Class C wards are highly affordable

[ginfreely]

Usually, up to the first S$2,000 to 3,000 would have to have come from your Medisave or cash before Medishield starts to be claimable if you don't have a private plan to cover the deductible and co-insurance.

However, don't be mistaken. I'm neither selling nor advocating private healthcare plan. It can be expensive and depends on personal circumstance.

or can buy a rider for the shield plan to cover the deductible and co-insurance, that's what i did..

 

[Ramseth]

or can buy a rider for the shield plan to cover the deductible and co-insurance, that's what i did..

Yes, some insurers offer that. A bit expensive and must pay premium in cash, but bear in mind the rider covers deductible and co-insurance. Once the main policy plan limits are exceeded, the rider also doesn't cover.

 

[ginfreely]

Yes, some insurers offer that. A bit expensive and must pay premium in cash, but bear in mind the rider covers deductible and co-insurance. Once the main policy plan limits are exceeded, the rider also doesn't cover.

yeah i think there is annual and lifetime limit but can't remember what's the limit, anyway regardless that's the only thing to count on for the rest of my life, not the garment for sure :p

 

[Ramseth]

yeah i think there is annual and lifetime limit but can't remember what's the limit, anyway regardless that's the only thing to count on for the rest of my life, not the garment for sure :p

There're itemised limits also, e.g. per day, per surgery etc. That's why a healthcare policy document looks like an exam paper for actuarial maths.

 

[ginfreely]

There're itemised limits also, e.g. per day, per surgery etc. That's why a healthcare policy document looks like an exam paper for actuarial maths.

Oh there is no per day limit because it is an as-charged policy so as long as the annual or lifetime limit remains, it should be fine. With escalating medical cost, it is hard to say whether these limits will be maxed out like the recent 147k case. But keeping two policies are costly, so no choice, have to count on one.

 

[CCBCaoPi]

I think price is still ok. But service level is lousy.