LU JIA JUN

The 72-Hour Exit Checklist

Nobody mentions it in the exit interview: most company insurance ends the day your badge stops working, and some of what you're owed expires with it. Five things to close within 72 hours of resigning, before the clocks run out.

1 · What ends when you leave

Group life & critical illness. Confirm the exact date each cover ends. Some end on your last day, some on the day notice is served. Get it from HR in writing, not from memory.
Group hospitalisation. If you rely on company cover instead of your own Integrated Shield Plan, your gap starts the moment you leave. A hospital bill doesn't wait for probation to end.
The conversion window. Many group policies let you convert to an individual plan without medical underwriting, often within 31 days of leaving. The clock starts on your last day, not when you remember. If your health has changed since you joined, this may be the most valuable thing you leave with.
Unclaimed benefits. Outpatient, dental, optical, wellness credits: submit everything before your system access is cut. Unsubmitted claims are forfeited, and access usually dies before you do the maths.
The probation gap. Your next employer's cover often starts only after probation, three to six months away. Count the exact number of days you'd be walking uninsured between the two.
Stock options and deferred comp. Post-termination exercise windows are short and unforgiving. Check the agreement itself, and diarise the deadline.

2 · The three questions to ask

To HR: “What date, exactly, does each of my covers end, and can any be converted to an individual policy without underwriting?”
To yourself: “If I were hospitalised in the gap month, what would I claim on?” If the answer is nothing, that's the first item to fix.
To yourself: “Has my health changed since I joined?” If yes, do not let the conversion window close while you shop around.
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Most people discover the gap the first time they need it. You now know before.
Forward this to the friend who just announced their next chapter.
Once the company cover stops, your own policies are what's left. Make sure the people who'd claim on them know where they are: the family checklist →

If you'd rather go through it with someone

Risk and financial planning with me starts with a financial audit. We go through what you already have, what's missing and the questions worth asking next. If you want advice after that, I'd do a full fact-find first, and only if you ask for one. There's no cost, and nothing changes unless you say so. I'm paid by commission or an ongoing fee if you buy anything through me, and I'll tell you that amount first, in dollars.

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Lu Jia Jun · Financial Adviser Representative, GEFA · RNF No. LJJ300837068
General information only, not financial advice. Benefits, windows and deadlines vary by employer and policy; verify yours with HR and your policy documents.