Insurance qns if I want to be have the option to be able to choose between Private hospital vs class A hospital coverage

[Sadlifeguy1988]

Do I buy from separate insurance companies better
I already have a CLASS A ward public hospital coverage medical insurance.

Want to buy a private hospital one... But also wan to have the option of choosing Public hospital

Can buy both at same time. Of Coz only can claim one type

edit: i get my ans and will go to my insurance branch request for more details but thanks forsharing all these extra details - super useful that googled asp cant find cos all r real life experience and encounters

 

[Sadlifeguy1988]

Serious help. Is a legit qns

 

[gnoes85]

Just upgrade your current policy to cover private one la. If u buy 2, no worth to use both bcos of deductible

 

[Sadlifeguy1988]

Just upgrade your current policy to cover private one la. If u buy 2, no worth to use both bcos of deductible

If upgrade to private. Then I decide use Public Hospital... Then can't claim the latter or still can cover

 

[kaya123]

you either upgrade your current policy to private one or you stay with your current policy and when you can top up when you are admitted to private hospital

 

[gnoes85]

If upgrade to private. Then I decide use Public Hospital... Then can't claim the latter or still can cover

Can claim. Upgrade to Private means can claim up to private. Is not can only claim private. See the actual policy to confirm

 

[ADBCrusader]

Can claim. Upgrade to Private means can claim up to private. Is not can only claim private. See the actual policy to confirm

Thanks for this information, it will definitely help a lot of people who are wondering also.

 

[Sadlifeguy1988]

Can claim. Upgrade to Private means can claim up to private. Is not can only claim private. See the actual policy to confirm

I will head to my insurance branchto ask for more details

hope the price Jump not super alot alot

appreciated

 

[Sadlifeguy1988]

Thanks for this information, it will definitely help a lot of people who are wondering also.

I will go to my insurance branch. Upgrade liao then post here for everyone info

 

[AyanoWalkenz]

I assume u are using the medisave to buy integrated shield plan.

You can only have ONE integrated shield plan . If u buy from G company class A public, now u want private hospital, and u will buy from P company right , your G company will auto terminated and switch to P company (private).

When u got into private hospital intergrate plan, u can stay ANY hospital / ward . Read carefully your plan it is suppose to cover private and below. Means u have the option to stay public / private inclusive.

 

[OngHuatHuat]

I will head to my insurance branchto ask for more details

hope the price Jump not super alot alot

appreciated

The price jump a lot when you grow older. I downgraded from private shield to Public A plan fee years back.

 

[mp4005 help]

buy private but want to stay class c also can.

some people don't stay private because in future for that ailment everything is no longer subsidised even .


Read HWZ Forum Rules!

 

[AyanoWalkenz]

If upgrade to private. Then I decide use Public Hospital... Then can't claim the latter or still can cover

Can cover. Can claim or not depend on the deductible and coinsurance. Buy a rider.


Let's say if a person suddenly unconscious outside and somebody call ambulance, the ambulance will send to nearest goverment hospital .

If this person has private hospital insurance, he will still be able to claim.

 

[Sadlifeguy1988]

buy private but want to stay class c also can.

some people don't stay private because in future for that ailment everything is no longer subsidised even .


Read HWZ Forum Rules!

Hello
For second para
Can elaborate emore
Eg a person got heart issue go private. If he go back public no subsidy? Is tat what u mean

 

[Sadlifeguy1988]

The price jump a lot when you grow older. I downgraded from private shield to Public A plan fee years back.

Huh really ah

u downgrade cos is toooooo expensive liao??

 

[Sadlifeguy1988]

I assume u are using the medisave to buy integrated shield plan.

You can only have ONE integrated shield plan . If u buy from G company class A public, now u want private hospital, and u will buy from P company right , your G company will auto terminated and switch to P company (private).

When u got into private hospital intergrate plan, u can stay ANY hospital / ward . Read carefully your plan it is suppose to cover private and below. Means u have the option to stay public / private inclusive.

Thanks

mine is ntuc imcome

will check with them how much to upgrade

 

[AyanoWalkenz]

Huh really ah

u downgrade cos is toooooo expensive liao??

Ask for the entire table of premium. The premium increases with age band.

Easy to downgrade. But if have semi perm or perm health issue even diabetes, it will be excluded if u wish to upgrade in future.

 

[Sadlifeguy1988]

you either upgrade your current policy to private one or you stay with your current policy and when you can top up when you are admitted to private hospital

So if i. Go private hospital
The insurer will stay pay me the price assuming i stay in Govt hospital- correct hor
I buyed the insurance when i was young. Nver care and ask properly

 

[Sadlifeguy1988]

Ask for the entire table of premium. The premium increases with age band.

Easy to downgrade. But if have semi perm or perm health issue even diabetes, it will be excluded if u wish to upgrade in future.

Excluded mean wont cover Diabete liao?

 

[AyanoWalkenz]

Excluded mean wont cover Diabete liao?

I know people with diabetes totally rejected.

I know some at 30s grow some cyst(growth) somewhere. Then want to buy more, they accept the application but anything related to cyst won't be able to claim (excluded).