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Medishield Comparison. Find out which is the cheapest

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Old 18-04-2016, 11:36 PM   #31
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Bumps. Updated with latest info.
If mod can sticky this thread, would be beneficial
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Old 18-04-2016, 11:50 PM   #32
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Bumps. Updated with latest info.
If mod can sticky this thread, would be beneficial
Eh, a bit grey as your first post is promoting AXA.

If there are equal bits about each product then it's possible to sticky.
Nonetheless I would talk to the admin about it. Thank for the effort.
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Old 19-04-2016, 12:44 AM   #33
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Eh, a bit grey as your first post is promoting AXA.

If there are equal bits about each product then it's possible to sticky.
Nonetheless I would talk to the admin about it. Thank for the effort.
Noted with Thanks Will edit accordingly
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Old 19-04-2016, 09:01 AM   #34
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Hi blurpandasg2014,

The total premium sum ranking from your result is quite different from mine though. In my calculation, I dont take the cash outlay into account, only the total premium pays. So, the portion from medishield life should be the same across all players. I only compare between NTUC, AVIVA, AXA and Prudential only though.
All the plans have the comprehensive riders.
It turns out NTUC Plus rider is cheapest, then AXA + Basic rider, AVIVA+rider C, Prudential + rider

-------------NTUC AVIVA AXA Basic AXA Gen. Prudential Med. Life
sum 21-65 40115 55730 43600 56290 66687.8 19475
Sum 21-75 70756 101010 79348 104263 117967.12 28155

I dont know the source of difference between yours and mine though.
See the link for more details

https://www.dropbox.com/s/14w5ifdy4u...e_ISP.PNG?dl=0

https://www.dropbox.com/s/h2f1wikf33...chart.png?dl=0
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Old 19-04-2016, 09:08 AM   #35
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Hi blurpandasg2014,

The total premium sum ranking from your result is quite different from mine though. In my calculation, I dont take the cash outlay into account, only the total premium pays. So, the portion from medishield life should be the same across all players. I only compare between NTUC, AVIVA, AXA and Prudential only though.
All the plans have the comprehensive riders.
It turns out NTUC Plus rider is cheapest, then AXA + Basic rider, AVIVA+rider C, Prudential + rider

-------------NTUC AVIVA AXA Basic AXA Gen. Prudential Med. Life
sum 21-65 40115 55730 43600 56290 66687.8 19475
Sum 21-75 70756 101010 79348 104263 117967.12 28155

I dont know the source of difference between yours and mine though.
See the link for more details

https://www.dropbox.com/s/14w5ifdy4u...e_ISP.PNG?dl=0

https://www.dropbox.com/s/h2f1wikf33...chart.png?dl=0
Yes I remembered reading in the papers NTUC is cheapest, I have ntuc enhanced incomeshield B with plus rider (100% cover)

(only read your post, have not read all the earlier posts nor the dropboxes above)
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Old 19-04-2016, 10:48 AM   #36
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Not sure if I should cancel my AIA HealthShield Gold Max...

Pay via CPF
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Old 19-04-2016, 01:23 PM   #37
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Hi blurpandasg2014,

The total premium sum ranking from your result is quite different from mine though. In my calculation, I dont take the cash outlay into account, only the total premium pays. So, the portion from medishield life should be the same across all players. I only compare between NTUC, AVIVA, AXA and Prudential only though.
All the plans have the comprehensive riders.
It turns out NTUC Plus rider is cheapest, then AXA + Basic rider, AVIVA+rider C, Prudential + rider

-------------NTUC AVIVA AXA Basic AXA Gen. Prudential Med. Life
sum 21-65 40115 55730 43600 56290 66687.8 19475
Sum 21-75 70756 101010 79348 104263 117967.12 28155

I dont know the source of difference between yours and mine though.
See the link for more details

https://www.dropbox.com/s/14w5ifdy4u...e_ISP.PNG?dl=0

https://www.dropbox.com/s/h2f1wikf33...chart.png?dl=0
Hi hhhnnn

The difference between our calculation is that i included the cost of the main medishield life plan into the calculation. That explains the difference in total premiums I will upload the excel later today on the first post.
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Old 19-04-2016, 07:33 PM   #38
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But the medishield life component should be the same across all companies right? That should not create any differences in terms of ranking of pricing. Aviva and AXA General Care rider have pretty close sum of premiums from 21-75 years old (only a few K difference)

Hi hhhnnn

The difference between our calculation is that i included the cost of the main medishield life plan into the calculation. That explains the difference in total premiums I will upload the excel later today on the first post.

Last edited by hhhnnn; 19-04-2016 at 07:40 PM..
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Old 19-04-2016, 09:59 PM   #39
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I have aviva under moratarium caus i had TB 2 years back although fully cured now.. Even got treatment completion cert by TTSH

Is it okay for me to approach other companies while disclosing that i had TB before to see if they willing to accept me? If they offer me with exclusions, i can reject n stay with Aviva without any repercussions right?
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Old 19-04-2016, 10:45 PM   #40
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. This is only for private hospital coverage with the highest rider
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Old 19-04-2016, 10:57 PM   #41
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I have aviva under moratarium caus i had TB 2 years back although fully cured now.. Even got treatment completion cert by TTSH

Is it okay for me to approach other companies while disclosing that i had TB before to see if they willing to accept me? If they offer me with exclusions, i can reject n stay with Aviva without any repercussions right?
Yes u can approach other companies to try.

From personal experience, my brother had exclusion for adhesion after he had operation at TTSH in 2008. His plan was under GE, which my father had signed up for him in 2009.

He did not have any complications and have fully recovered. However, the GE agent did not even follow up and try to appeal for GE to remove the exclusion. I asked my agent to help my brother apply for NTUC plan with a letter from TTSH stating that he is healthy and well. The plan got incepted with full underwriting
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Old 19-04-2016, 11:42 PM   #42
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But the medishield life component should be the same across all companies right? That should not create any differences in terms of ranking of pricing. Aviva and AXA General Care rider have pretty close sum of premiums from 21-75 years old (only a few K difference)
The pricing that u quoted for prudential is inclusive of the Medishield Life Premiums. U should manually subtract the cost of medishield life main plan from the value.

Aviva is the most expensive currently. I have uploaded my excel on the first post
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Old 20-04-2016, 12:45 AM   #43
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Stickied. Let me know if need any changes.
Thank for the effort.
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Old 21-04-2016, 08:59 AM   #44
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The pricing that u quoted for prudential is inclusive of the Medishield Life Premiums. U should manually subtract the cost of medishield life main plan from the value.

Aviva is the most expensive currently. I have uploaded my excel on the first post
You're right. I should exclude Medishield premiums from my Prudential numbers. Thanks.

Cheers
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Old 21-04-2016, 10:23 AM   #45
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Aia plan health shield max a is it the most expensive plan?
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