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79 replies to this topic | 250 praises

#1

Posted 08 April 2009 - 10:05 AM

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Anyone knows what are the difference of a private medical insurance (paid with cash) vs a medishield private integrated plan which allows you to pay via medisave.

I understand that you can add a rider(pay cash) to the medishield one to take care of the deductible and co-insurance. so in that case then there is no difference to the pure private vs the medishield private plans? or is there a catch somewhere? because it seems that the medishield private plans offer a better deal for the same type of benefits.


Edited by pChou, 08 September 2017 - 05:40 PM.


#2

Posted 08 April 2009 - 10:33 AM

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i thought private hospitalisation also can pay with medisave to a certain amt. then usually if you want zero excess then top up with cash.
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#3

Posted 08 April 2009 - 10:33 AM

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difference usually coverage and how much you want to pay.

Edited by Toapayohkid, 08 April 2009 - 10:34 AM.

The AT-AT, the best SUV for Hoth!

#4

Posted 08 April 2009 - 11:03 AM

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without the rider, the excess is 3K. the rider covers expenses up to 3K.
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#5

Posted 08 April 2009 - 12:18 PM

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Anyone knows what are the difference of a private medical insurance (paid with cash) vs a medishield private integrated plan which allows you to pay via medisave.

I understand that you can add a rider(pay cash) to the medishield one to take care of the deductible and co-insurance. so in that case then there is no difference to the pure private vs the medishield private plans? or is there a catch somewhere? because it seems that the medishield private plans offer a better deal for the same type of benefits.


U not insured by your company???/


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#6

Posted 09 April 2009 - 01:37 PM

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Anyone knows what are the difference of a private medical insurance (paid with cash) vs a medishield private integrated plan which allows you to pay via medisave.

I understand that you can add a rider(pay cash) to the medishield one to take care of the deductible and co-insurance. so in that case then there is no difference to the pure private vs the medishield private plans? or is there a catch somewhere? because it seems that the medishield private plans offer a better deal for the same type of benefits.


The main difference is choice: PAY BY CASH OR PAY BY MEDISAVE

Assuming the medical plan costs $2K per year - u rather pay by FULL SOLID cash (whether installment or not) from your own bank or u rather pay by medisave (i.e. "virtual" cash sitting idle in your CPF which u cannot withdraw at all whatever age u reach)???

Is that a very difficult choice? u decide...



#7

Posted 09 April 2009 - 01:44 PM

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One is for foreigners.

The other is for Singaporeans/PR. rolleyes.gif

#8

Posted 09 April 2009 - 02:49 PM

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Medishield or medisave type of insurance has a yearly , lifetime cap and certain surgical claims limits. It is more for singapore treatments. Private insurance can cover wider even miscarriage, dental or treatment in other countries hospital.

#9

Posted 09 April 2009 - 05:20 PM

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The old Medishield is no longer offered by CPF and is now taken over by the private ins. companies and offer these so call integrated plans.

So in a sense, they are all 'private' medical ins. now.

The difference is that you can use Medisave to pay the premiums for the integrated plans.

Both plans - you can insert a rider to take care of the co-ins. and deductible, but the rider can only be paid by CASH, even for the integrated plans.

#10

Posted 10 April 2009 - 03:28 AM

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U not insured by your company???/


Pls take up at least a private shield plan even if your company has insurance in place for you.

If u lose your job, it usually means end of coverage as company plans are usually not portable. (Think abt it, it will be a doulbe whammy to be diagnose with some serious illness, having to resign and lose that company coverage)

#11

Posted 10 April 2009 - 08:50 AM

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do go for medisave shield + rider thumbsup.gif
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#12

Posted 17 February 2017 - 02:59 PM

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Bro,

 

Does integrated shield plan cover doctor consultation for knee pain? Mine is GELife.



#13

Posted 17 February 2017 - 03:01 PM

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Bro,

 

Does integrated shield plan cover doctor consultation for knee pain? Mine is GELife.

 

seriously, this kind also you cannot search? you should have been locked and not released

 

merged here



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#14

Posted 17 February 2017 - 03:02 PM

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Bro,

 

Does integrated shield plan cover doctor consultation for knee pain? Mine is GELife.

 

 

you not close with your insurance agent? why cannot ask him/her directly?


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#15

Posted 05 April 2017 - 09:41 PM

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I am surprise that Insurance agents earn so much.

 

Although the commission quantum (actual amount) per transaction is small compared to those earned by property agents, it is easier to sell insurance than properties.

 

In short, insurance agents can have not only a good but great salary too.

 

:mellow:

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#16

Posted 05 April 2017 - 10:33 PM

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I am surprise that Insurance agents earn so much.

 

Although the commission quantum (actual amount) per transaction is small compared to those earned by property agents, it is easier to sell insurance than properties.

 

In short, insurance agents can have not only a good but great salary too.

 

:mellow:

 

now you know why your agents will stop calling you after you stop buying new policy for the 6th year ... you diary will also get smaller too !!  [laugh]  [laugh]


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#17

Posted 06 April 2017 - 08:34 AM

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while i fully supported the idea of medical insurance. if this is being abused, it is a sad wod we are living in.

#18

Posted 06 April 2017 - 10:26 AM

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while i fully supported the idea of medical insurance. if this is being abused, it is a sad wod we are living in.

 

I think it is being abused by many. Recently, many of these insurers taking measures to prevent people from abusing it.



#19

Posted 06 April 2017 - 10:31 AM

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My agent told me take the pte one lah
What for take the govt hospital one
Just like $50 more per year
Then show me claim of a Pinoy guy, just come sg work 1 year, claim serious donno what illness like cancer
I was thinking sooner or later your pte hospital insurance sure shoot up jialat jialat
Indeed it came true

#20

Posted 06 April 2017 - 11:36 AM

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My agent told me take the pte one lah
What for take the govt hospital one
Just like $50 more per year
Then show me claim of a Pinoy guy, just come sg work 1 year, claim serious donno what illness like cancer
I was thinking sooner or later your pte hospital insurance sure shoot up jialat jialat
Indeed it came true

 

Not true, the base deduction from medisave for private A1 ward is also much higher than basic medishield life or B1 plans. I am assuming you are referring to the cash outlay for the rider portion.

 

For real emergency or life threatening cases, government hospitals still ok, not like it's so bad.


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