Chitra Raj
Health and travel insurance advisor covering all of Singapore. Fluent in English and Tamil, I help clients navigate hospital plans and travel protection.
Awards & recognition
Recognized for customer service excellence in health insurance advisory.
Products
Integrated shield hospital plan covering private hospitals with full pre- and post-hospitalisation benefits.
Annual multi-trip travel insurance with medical cover up to SGD 1,000,000 and trip cancellation protection.
Annual multi-trip family travel plan where children under 12 are covered free with two insured adults.
Articles & videos by Chitra
HL Assurance's Enhanced tier waives the usual 25% co-payment on the mandatory medical benefit and raises personal accident cover. Here is what that means in practice.
FWD's Exclusive maid plan is its top tier, with no co-payment on hospital and surgical claims against 25% on the three lower tiers. Here is what the insurer's page says it covers.
A critical illness diagnosis in the family changes what you should check about your own cover and everyone else's. Here is what to review, and in what order.
Standard critical illness definitions cover the same conditions regardless of gender, but how women actually claim differs. Here is what to check in a policy.
Critical illness cover can be bolted onto a life policy or bought on its own. The choice affects cost, flexibility and what happens if the base policy ends.
Etiqa's Travel Infinite pays flight-delay compensation automatically, without a claim, and bundles COVID-19 cover into every plan. Here is what the Classic, Deluxe and Suite tiers each add.
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