any recommendations IP for 2yrs old female kid. understand some have extra cover for different gender, cost, factor that stand out from the rest...
AXA's Shield Plan B looks interesting for her. That's an Integrated Shield plan geared toward public hospital A ward coverage. It's tied with Prudential for the longest pre-/post-hospitalization coverage periods (180/365 days) among public hospital plans, its annual limit is third best ($550,000/year, only beaten by Great Eastern and Prudential), and it has a 1 year waiting period on congenital abnormalities instead of the usual 2. (AIA's HealthShield Gold Max B apparently has no congenital abnormalities waiting period. Preexisting conditions are still excluded. See below for an AIA discussion.)
AXA does set a limit of 45 days for community hospital coverage, and that's less generous than other carriers that don't set such limits.
The premium for this AXA plan is $78/year (above MediShield Life). If you want to add the Basic Care Rider, which eliminates the deductible and co-insurance, add $170/year.
At youth ages there really aren't substantial premium price differences, so my general advice would be to emphasize coverage quality over price.
If you're shopping for a private hospitalization Integrated Shield plan, then I'd take a close look at AIA's HealthShield Gold Max A. If you stick with "AIA Quality Healthcare Partners" (which includes some private hospitals, typically Parkway group, or any public hospitals), then some really high coverage limits kick in. You end up with 13 months pre-/post-hospitalization coverage, the longest limits available in any Integrated Shield plan. There's a $2 million annual limit, also the highest. And their "A Saver" rider is a reasonable one. Plus there's that congenital abnormalities best-in-class provision (zero waiting period, although preexisting conditions are still excluded). The premium for a 3 year old is $155/year, plus $277/year if you want the "A Saver" rider.