购买过组屋的人应该都有经验。按照CPF的网页：You can apply to be exempted from HPS if you already have a mortgage-reducing insurance or an appropriate life insurance policy that is enough to cover your outstanding housing loan up to the full term of loan or age 65, whichever is earlier, in the event of permanent disability or death. 也就是说可以用其他保险去COVER。各位用的是那家的？ 费用如何？
