To avoid problem have multiple policy if you decide to choose one life policy

I was involved in car accident, I sustained pelvic fracture,head injury. I was advice to be on bedrest since i was also injured in posterior pelvic.

I contacted 1life with hope that they can give me discount on month premium since, I might not get my full salary and I don't want to loose my policy. I've been with them since 2017 and also have disability cover with them.

I was advice by consultant that they can not give me discount and if I don't pay month premium my policy will lapse. my concern was:what if the temporary disability result to permanent disability and at that time if I want to submit claim my policy would have lapse.

I wouldn't advice anyone to take this cover especially disability because if I was only having this policy I was going loose everything, I wonder if the pay if you die.