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Old 16-11-2012, 12:05 PM   #1
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AIA HealthShield vs PRUshield

AIA covers the insured in the event of being an organ donor. It provides an additional 100k (annual) for the 30 critical illnesses.

PRUshield has an adjustable annual limit to keep with inflation, which almost 'mitigates' the advantage of AIA's additional 100k.

Any other viewpoints? I hope to purchase ASAP.
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Old 16-11-2012, 03:30 PM   #2
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Hi fantasticfox, think I've PM'ed you some info already.

Claims service level is another factor to consider.

Please be aware the cut-off date for activation of the plan by 1 Dec is usually around 20th-22nd of the month, if one is of standard health/has no medical history.
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Old 16-11-2012, 11:27 PM   #3
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fox, perhaps you want to consider ntuc incomeshield and aviva myshield as well? Do look into them before making a purchase of the aia or pru one. In my opinion, the ntuc or aviva one are better. But of course it all depends on what your needs are.
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Old 17-11-2012, 11:49 PM   #4
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AIA covers the insured in the event of being an organ donor. It provides an additional 100k (annual) for the 30 critical illnesses.

PRUshield has an adjustable annual limit to keep with inflation, which almost 'mitigates' the advantage of AIA's additional 100k.

Any other viewpoints? I hope to purchase ASAP.
You might need to decide faster before the new medishield features kick in. all private shields will also increase in premium too.

if you buy before nov ends, you will save a year's premium when the new features kicked in.
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Old 18-11-2012, 12:15 PM   #5
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Please also be mindful of "analysis paralysis", ya?

Provided health status has not changed, one can always swap providers later without penalty. There'll be pro-rated refunds given.

Furthermore, Shield plans come with 60 days to change your mind from when coverage begins.

With these 2 points in mind, it makes sense to get something activated ASAP, and if needed, take more time to look around. Speaking from personal experience, we never know when hospitalization may be needed.
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Old 18-11-2012, 05:15 PM   #6
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Yup. Already have an appt this week to sign up. Just making sure while waiting.
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Old 18-11-2012, 07:54 PM   #7
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AIA covers the insured in the event of being an organ donor. It provides an additional 100k (annual) for the 30 critical illnesses.

PRUshield has an adjustable annual limit to keep with inflation, which almost 'mitigates' the advantage of AIA's additional 100k.

Any other viewpoints? I hope to purchase ASAP.
The additional 100k on the CI for AIA HealthShield might be a bit confusing to. The 100k is not a 100k payout if you suffered a CI. It is just a top up to your yearly claim limit on your hospitalisation bill. Let said your bill is $100,000 for cancer treatment this clause would not have benefit you in anyway as your bill is below the yearly limit of the plan, well unless your bill is like over half a million (for HealthShield Gold Max).
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