30s-50s chitchat club

[lemonzil]

looks like you already suspected her which was why you went to IT

Yeah. Honestly I doubt her. But also for a matter of fact if it’s true, we need to ensure there aren’t any missing emails. As we are expecting returns for some company wide exercise.

I red flag her because she has doesn’t really do her work properly. Even attitude got problem.

I think she’s performing way below expectations.

 

[irregardless]

Yeah. Honestly I doubt her. But also for a matter of fact if it’s true, we need to ensure there aren’t any missing emails. As we are expecting returns for some company wide exercise.

I red flag her because she has doesn’t really do her work properly. Even attitude got problem.

I think she’s performing way below expectations.

i guess its time to f*** her!

Spoiler: f***

fire la

 

[skyline72]

Good evening people.

 

[pepsitwist]

Mine was the left... Then downgraded to the right one... Much cheaper

The 50% co-payment is on what ah? $350 on 10k seems quite little for a 50% co-payment?

 

[flowerpalms]

Mine was the left... Then downgraded to the right one... Much cheaper

Mine is always the Great totalcare basic b. GREAT supremehealth B PLUS

 

[LWZ]

Think forgot to good morning here.

Today my contract staff told me she didn’t receive my email drafted for her to use … I sent last Friday. I asked her to check her entire mailbox. She claim never receive.

I raised a ticket to IT helpdesk for investigation. It’s confirmed sent.
After I show her what IT replied, she told me it’s in her deleted folder.

Tsk tsk.

My team mate also liddat, except he is about to complete his third year liao

He not only miss email, intercontinental flight also can miss, sibei satki menz

 

[LWZ]

Ya but the terms change.
Last time full cover.. Then drop to Co pay

Only prudential continues the full cover

Feels like insurance equivalent of Albirex S League team, every year kena nerfed more and more but they still carry on

 

[jeffprobst]

算了。你不相信我

The article talk about 2026-2028 is about the bridging period. MOH leave it to insurer how they wanna bridge to customers

well. up to you then.

While confusing, after few read you understand it. Will just agreed to disagree.

 

[jeffprobst]

Yeah. Honestly I doubt her. But also for a matter of fact if it’s true, we need to ensure there aren’t any missing emails. As we are expecting returns for some company wide exercise.

I red flag her because she has doesn’t really do her work properly. Even attitude got problem.

I think she’s performing way below expectations.

Sounds like my senior staff. But did her boss talk to her about her deliverables?

 

[jeffprobst]

Moi is very hungry ****

 

[Lss]

More than 20 years old but still cool. Play for my son he say is ping pong song hahaha.

 

[flowerpalms]

Moi is very hungry ****

Pls go and sleep. So late alrdy dont eat

 

[jeffprobst]

Pls go and sleep. So late alrdy dont eat

Yeah. Me doing some diet cannot eat so heavy at this time also.

 

[jeffprobst]

算了。你不相信我

The article talk about 2026-2028 is about the bridging period. MOH leave it to insurer how they wanna bridge to customers

Just saying, it pretty much sing the same tune as I explained. Existing extra rider policy owner have to wait for their insurer decision on what to do with them. No hard rule to force them into the new rider. MOH leave it to the mercy of the insurer for the aforementioned group of policy owners.

https://www.straitstimes.com/singap...nce-riders-that-confer-absolute-peace-of-mind

“From now until March 31, 2026, the public can still purchase existing rider products, but will have to switch to new riders that meet MOH’s requirements once the policy is due for renewal from April 1, 2028. Sales of these existing products will also cease on April 1, 2026.

As for the approximately two million Singapore residents who have already bought their riders before Nov 26, the seven IP insurers will study whether to adjust the coverage of these existing riders.”

This approach by MOH is very similar to how other government agencies always change their policy/stance like playing pressing switching button without thinking the bigger impact, as usual.

 

[LWZ]

Moi is very hungry ****

 

[lemonzil]

i guess its time to f*** her!

Spoiler: f***

fire la

She’s only here for 6 mths, coverage only but her reliance has become too taxing for my other team member who even need to help her clear work.

 

[lemonzil]

Sounds like my senior staff. But did her boss talk to her about her deliverables?

Haven’t yet. The team mate who guides her only started flagging out the issues to me recently. My team mate still say, tahan abit more…. ‍

I tasked her with the exercise and I saw many red flags. Some of the most basic things she also can’t deliver.

 

[Milo-Dino]

The 50% co-payment is on what ah? $350 on 10k seems quite little for a 50% co-payment?

ok to work it out for you



Using $10k bill example:
- Deductible = $3500 (based on what your policy states)
Remainder after deductible = $6500 (10000-3500)
- Co payment (co-insurance) for the Shield Basic plan (private) is 10%. = $650 (10% of 6500)
So normal circumstances without deductible rider, a person will pay $4150 (3500+650)


Based on GTC P Signature
With the rider for panel doctor:
-payable on deductible is 5% of the original (5% of 3500 = $175)
-then 50% of the co-insurance (50% of 650 = 325)
So end up pay $500 vs $4150

*You can work it out for the $100k bill example... just that the rider introduces a total payable cap of $3000

For the one i downgrade to GTC P Optimum, i'll bare the full deductible and 50% of co-insurance, subject to cap of $6500.... so at least I know if i get something seriously injured or ill, then the bill cap at $6500. (basically this policy is to dissuade claiming for too minor stuff although u can still claim but patient bare more)

And like i mentioned, the Signature will escalate premium if there was a claim. I was told this Optimum wouldn't since policyholder already bearing more risk especially for minor stuff. Anyway I just signed it cosz i got ongoing stuff under investigation. Might downgrade to Govt A next year or later.

 

[Milo-Dino]

Mine is always the Great totalcare basic b. GREAT supremehealth B PLUS

ok happy to know this

 

[Milo-Dino]

Just saying, it pretty much sing the same tune as I explained. Existing extra rider policy owner have to wait for their insurer decision on what to do with them. No hard rule to force them into the new rider. MOH leave it to the mercy of the insurer for the aforementioned group of policy owners.

https://www.straitstimes.com/singap...nce-riders-that-confer-absolute-peace-of-mind

“From now until March 31, 2026, the public can still purchase existing rider products, but will have to switch to new riders that meet MOH’s requirements once the policy is due for renewal from April 1, 2028. Sales of these existing products will also cease on April 1, 2026.

As for the approximately two million Singapore residents who have already bought their riders before Nov 26, the seven IP insurers will study whether to adjust the coverage of these existing riders.”

This approach by MOH is very similar to how other government agencies always change their policy/stance like playing pressing switching button without thinking the bigger impact, as usual.

yes it's worded like that... but i am telling you from past experience, almost all insurers will shift policyholders to the new normal..... (that because they already incurring heavy losses from overclaims and escalating claims)

like the co-insurance shift in the past, almost all shifted (except prudential which kept those customer on full claims... but that one will see what happen when all these pple age and keep going for medical.. then soon prudential also will buey tahan)