When I was pregnant, I had a few scares. It wasn't an easy pregnancy. The one thing I remembered very strongly from what my gynae said was.. "You'll never stop worrying as a parent."
And that stuck throughout with me.
I was worried during my pregnancy. I was worried when giving birth. I was worried when I didn't have any milk and was struggling to latch him. I was worried when he first flipped and slept on his belly. I actually stared to make sure he didn't suffocate himself. LOL.
I was worried when he first puked. I was worried when he first fell off the bed. And pretty much cried as I felt like a bad mom. I was worried when he first had eczema. I was worried when he first had a mosquito bite. Feared and googled for signs of dengue.
I was worried about hand, food and mouth disease and pretty much sterilised every baby chair we used. I was worried when he first had a fever from his vaccination. I was worried for every single bump and bruise he has.
I was worried whenever he has a cold or a cough. Last weekend, he fell sick. He had a fever and a drippy nose. I was worried for every single hour he was crying.
I will never stop worrying because that's how we, as parents are built to function. We will continue to worry for every single day. Even when he grows big, when he starts school, when he first goes out on a date, when he first goes to school alone. It is just how we are built. As parents, we will never stop worrying.
We can never ever be prepared. No matter how much we can prevent and prepare ourselves, shit happens. Like I mentioned, I always sterilise every single baby chair that I use outside. I hardly let Aidan around anyone who is sick. If a friend's baby is sick, I would not even meet my friend incase she passes something to me and then me to Aidan.
I breastfeed Aidan for a very selfish reason - for his immune system. And of course for that bond we have while latching.
I am THAT kiasu mum who tries her best to prevent and protect Aidan. Right after I gave birth, I called my insurance agent to come visit me at the hospital to sign some policies for Aidan.
While I can never prepare enough for him, I'll try my hardest to protect him for the future. As best as I can.
Health care costs have increased over the years. Did you know that based on a research study from the Life Insurance Association, an average working Singaporean would require at least S$626,000 to meet their Protection Needs? o.O.
Together with Tokio Marine, I would like to introduce you to two insurance products to help prepare us and protect parents like us.
Tokio Marine (TM) Term Assure
This is mainly to protect parents like you and me. It is a basic and affordable term plan that provides significant lump sum payout upon death, terminal illness and permanent disability. If you are between the ages of 25 to 35, you can have half a million dollar coverage with a 5 year plan for less than $1 a day!
Once you are covered under TM Term Assure, you can opt to add on KidAssure GIO Rider, a rider that provides protection to your kids.
KidAssure GIO Rider
This covers up to 24 medical and hospitalisation conditions such as Severe Asthma, Leukaemia, Severe Autism, Burn, Choking, Dengue Fever, HFMD, Measles, Pulmonary Tuberculosis, Rabies and even Zika.
What makes this rather interesting is that you'll only need to pay premiums for 5 years and coverage will be up till your kid is 19 years old. At the end of term, you'll get 80% back of the total annual premiums paid for the rider! It costs as low as S$1 per day for a ride sum assured of S$50,000 and it is a guaranteed acceptance rider, without any medical underwriting needed.
Here's an example:
If you purchase KidAssure GIO Rider for your 6 year old son, the annual premium will be S$350 for a rider sum assured of S$50,000. You'll pay for 5 years which is equivalent to S$1,750. When your son reaches 19 years old, you'll be refunded S$1,400.
Sounds good? It does to me! If you'll like to find out more about these products, do visit Baby World 2017 from 30 June - 2 July at Suntec City Exhibition Level 4 from 11am to 8pm as there will be a Tokio Marine booth (K15)! There will be fun and games too!
This post was written in conjunction with Tokio Marine Life Insurance Singapore.