It depends on what kind of benign tumour. Some may have tendency to be malignant in future.Can I ask if I have benign conditions of certain systems, will I be excluded from coverage against malignancies of those systems?
And which is the best H&S policy to get for children?
Can I ask if I have benign conditions of certain systems, will I be excluded from coverage against malignancies of those systems?
And which is the best H&S policy to get for children?
What are the plans and riders that people get as they age? e.g. into their 55s?
Do they still stay with private plans with first dollar coverage?
Or do people usual downgrade to like B2 and co-insurance riders to obtain as-charged coverage?
Hi got question regarding deductible.
1) deductible for all shield plan is only payable once per policy year?
Let's say my 1st hospitalization bill is 5k and deductible is 3k. I will need to cough out the 3k and co insurance.
Then I kena another hospitalization in the same policy year. How much should I be paying??
Hi experts, up for help
Hi All,
Currently, I have a Prushield A Premier plan and I looking to add on rider.
By adding on rider, does that means that I am 100% covered and I do not have to fork out single cent if I happen to get hospitalized?
The direct answer is yes, with caveats:By adding on rider, does that means that I am 100% covered and I do not have to fork out single cent if I happen to get hospitalized?
Hi All,
Currently, I have a Prushield A Premier plan and I looking to add on rider.
By adding on rider, does that means that I am 100% covered and I do not have to fork out single cent if I happen to get hospitalized?
Assuming you don't hit the policy year maximum, just the co-pay. The deductible is counted once per individual per policy year.
The direct answer is yes, with caveats:
1. Bigoya's caveat, that Prudential reserves the right to increase premiums, for you, for their highest cost rider.
2. There is no coverage of medical issues related to preexisting conditions. For example, if you signed up for the base policy in 2013, developed a hernia in 2016, then signed up for a rider in 2017, you'll have base policy coverage for hospitalization related to the hernia but not rider coverage.
3. The coverage only applies to the specific enumerated medical services. It doesn't cover absolutely everything a private hospital could charge.
4. There is an annual cap. Once Prudential's payouts hit the annual cap, they pay nothing more for any medical expenses incurred during the rest of the calendar year. A rider typically does not lift the annual cap but instead consumes it somewhat faster.
If you're going to get a rider, I recommend one of the two lower cost riders they offer, in part because of Bigoya's caveat.
1. Wow didn't know about this.
3. But it's more than good enough right?
4. It means that if there are alot ppl who claims and it hits the annual cap, I won't be able to cover myself for expenses anymore?
Thank you so much for the input!
May I know what is the two lower cost riders
Prudential offers one of the better Integrated Shield plans, so I suppose it'll have to be "good enough." More seriously, there are some medical conditions that can run right past even the best Integrated Shield plans. To some extent you can avoid that problem, if you run into it, if you stick with the public medical system (restructured hospitals, public community hospitals, public clinics) where care is subsidized and costs are more tightly controlled. If you think you're in danger of blowing past the annual limit, that'll help.3. But it's more than good enough right?
4. It means that if there are alot ppl who claims and it hits the annual cap, I won't be able to cover myself for expenses anymore?
There are three riders listed in the brochure. The riders with "lite" and "Saver" in their names are the ones that are not subject to individualized premium increases based on your particular claims.May I know what is the two lower cost riders
Let me explore this point a little more seriously.Prudential offers one of the better Integrated Shield plans, so I suppose it'll have to be "good enough."
1. That's the 1st rider.
3. That's the most you can get. For most cases it's good enough, just don't take it for granted that EVERYTHING is covered and get caught in a rude shock if one day insurer say "this particular thing is not covered".
4. This annual cap is only applicable for your own claims. Other people's claim does not affect you.
The two lower cost rider is the 2nd and 3rd rider.
Prudential offers one of the better Integrated Shield plans, so I suppose it'll have to be "good enough." More seriously, there are some medical conditions that can run right past even the best Integrated Shield plans. To some extent you can avoid that problem, if you run into it, if you stick with the public medical system (restructured hospitals, public community hospitals, public clinics) where care is subsidized and costs are more tightly controlled. If you think you're in danger of blowing past the annual limit, that'll help.
There are three riders listed in the brochure. The riders with "lite" and "Saver" in their names are the ones that are not subject to individualized premium increases based on your particular claims.
I see.
Thanks a alot for the attachment and advice!
Think probably might just go for the 1st one instead.