Expensive Hospital Bill in Singapore

AhKuan

Hello din po @Glad098. Salamat sa explanation. Sa amin lang po dito gusto namin malaman kung alin talaga ang sapat na iinsurance coverage at swak na swak sa bulsa ng lahat. Ano po ang pinagkaiba nung coverage nyo compared sa ibang company na talagang kakailanganin namin. (e.g. kailangan ba talaga namin ng 1M coverage yearly sa insurance?, sapat na ba yung 180 days post hospitalization? etc.... )

Glad098

Hi @AhKuan

Mahirap po talaga i-gauge ang insurance needs ng lahat kasi ang ideal coverage depends on the individual's: age, medical history, and current financial status, dependants, etc. This is why we tend to meet clients on 1-on-1 basis. So we can give the right recommendations.

Additional Facts from LIA:
Life insurance of an average working adult in SG should be 10times your annual earnings.

But if Health Insurance (hospitalisation) ang priority nyo, recommended talaga namin ang 'A plans' kasi coverage are on 'AS CHARGED' basis and entitled din kayo sa Private hospitals (standard room) and below.

Comparison of pricesand coverage of 'A Plans' (annual prices):
https://www.moh.gov.sg/content/dam/moh_web/Healthcare_Financing/Medishield/Comparison_of_MediShield_and_Private_Integrated_Plans/Comparison of IPs last updated 1 Aug 2014 (Private).pdf

-di ko masasabi kung how many days ang sapat for pre and post hosp. Usually it goes by 90, 100, 120 and 180 days. i-tally nyo nalang po sa budget nyo and overall preffered coverage.

one unique feature ng AIA A plan is kapag na diagnosed po kayo ng any Critical illness, covered ang additional 100 days, so total of 200 days of post-hosp. Another unique feature is kapag na diagnosed kayo ng Total Permanent Disability, waived po ang 1 year premium nyo.

hope that helps

AhKuan

Salamat po.

gelato_

I am interested to get a family health insurance (me, hubby, baby). Any recommendations sa plan and price?

MoneyMakerSG

hi Gelato...

Kindly message me po for more details. I can offer you our Hospitalization and Surgical Insurance.
Below are the features:

1. No deductibles and co-insurance
2. Offers discount for family (parents plus baby)

Kindly contact me po at 92378464 para po maset natin appointment.

aftertheflow

Guys, hindi nyo makukuha kaagad kung ano yung "mura" or "affordable" unless you would compare with different insurance agents. Bakit? Kailangan makuha muna sa inyo yung age, gender, occupation and health details. Tapos, depende yun sa mga benefits. May basic plan at saka riders (optional benefits). Magkakaiba yun depending sa needs nyo. Lahat tayo magkakaiba ng needs, Magkakaiba din yung prices. I am an underwriting manager by the way. I approve insurance applications sent by agents, In my opinion, contact the agents/advisers and then compare.

AhKuan

Eto po pinagawa ko sa agent na nakausap ko, pinakuha ko siya ng same plans na inaalok nya sa ibang mga insurance companies. Gumawa siya ng comparison report at ska prinesent sakin. Kung alin yung pinaka swak sa kailangan ko, yun ang kinuha ko. So far ok naman.

bobong

Mayron po bang direct purchased life/term insurance na may tied up na investment?

tambay7

May mga financial agent/planners na under ng financial advisor firms versus under ng specific insurance firm. ANg maganda sa kanila pwede ka nila i-apply ng insurance or investments from any firms. Yung agent namin ganun, kukunan niya kami ng quotations at benefits illustrations base sa profile namin from different insurance firms, (AIA, Aviva, Prudential, NTUCIncome, Great Eastern, etc). The from there, i-present niya yun bawat isa, discuss yung pros and cons, kung saan mas malaki or maximixed ang benefits at lower costs, at kung alin yung mas suited sa current need. Usually kasi pag tied lang sa isang firm ang agent, bebenta lang at puro positive about their products tapos trash talk lang yung product ng kalaban na firm. Tapos may cases pa na kapag lumipat sila sa ibang firm eh ipapa close sayo yung dati mong insurance / investment para ilipat ka sa bago niyang firm, tapos incured ka ng loss.