Axa Shield - Information is out

[Zashubell]

Actually do we really need 365 post hospitalization? Anyone gt experience?

 

[citrus00]

Honestly 365 post is a marketing tool. Who would be able enjoy constant readmissions for the same sickness for one whole year

 

[blurpandasg2014]

the benefits and features of the AXA shield and the Prushield are very similar for private plans. Any reasons to switch from PruShield Premier A to AXA Shield Plan A?

The only reason to shift is that now prudential loads the customer with additional premiums if they make claims on their shield plan. U may pay up to 400% of premiums as compared to what others pay

 

[nomoreliaola]

Is it a,good,idea,to get axa general care?

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[anfielder]

Honestly 365 post is a marketing tool. Who would be able enjoy constant readmissions for the same sickness for one whole year

Yes. sounds good and all, but few people will actually need to use the extra coverage.

 

[Wishdom]

Yes. sounds good and all, but few people will actually need to use the extra coverage.

Insurance is like that one ma... How many people forsee themselves dying in the next 10 years? But we still buy term insurance to cover... Got extra always better than no extra... Just don't buy ilp can liao..

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[CoolRock]

The only reason to shift is that now prudential loads the customer with additional premiums if they make claims on their shield plan. U may pay up to 400% of premiums as compared to what others pay

yeah, i foresee other insurance brands will make the same move soon. in that case, i'll stick with pru since no claims.

 

[xiao.xin]

For shield plan can switch all you want bah, since the medisave will be prorated however do take into consideration about the waiting period and also your existing conditions if any.

 

[xiao.xin]

yeah, i foresee other insurance brands will make the same move soon. in that case, i'll stick with pru since no claims.

Usually if 1 company has a solutions to the problem of the insurer, the rest will adopt also. Why? Cause the product team circle is very small in sg. As they move around, they'll also bring the ideas from previous company to the next

 

[dongo88]

if you concern about the following,
hospitalisation cash benefit
emergency outpatient treatment
planned oversea treatment
ambulances charges/ taxi claim
TCM and etc

this rider might be good to you

 

[dongo88]

yeah, i foresee other insurance brands will make the same move soon. in that case, i'll stick with pru since no claims.

Once you claimed and i think it is difficult for you to switch already, except small small issue la...

 

[dongo88]

For shield plan can switch all you want bah, since the medisave will be prorated however do take into consideration about the waiting period and also your existing conditions if any.

exactly, if you having existing condition, please do not anyhow switch, dont lose the main goal because of small gains...

 

[xiao.xin]

I think waiting period is as important just that alot of people they might be unaware. Eg for females, the coverage for pregnancy complications can be have a waiting period of 270days and ci coverage the usual 90days

 

[Bigoya]

I think waiting period is as important just that alot of people they might be unaware. Eg for females, the coverage for pregnancy complications can be have a waiting period of 270days and ci coverage the usual 90days

There is no such thing as waiting period for CI coverage in a shield plan. That only applies to Life coverages.

 

[Bigoya]

Honestly 365 post is a marketing tool. Who would be able enjoy constant readmissions for the same sickness for one whole year

Honestly, you don't understand but act understand only.
365 days is post-hosp outpatient treatment coverage. If you 1 year hospitalize twice, your 365 days will restart on 2nd hospitalisation.

Now my qn for u is, after u discharge from a hospital, do u need to go back for follow up? Would it require further test? Would you like to pay for these expenses from your own pocket?

 

[dkgamer]

Actually do we really need 365 post hospitalization? Anyone gt experience?

have you ever been hospitalized before?

government hospitals appointment bookings isnt the most time friendly.

 

[huatkia]

Planning to get a B1 plan for my Dad but he is rejected by Ntuc because he got CAD and High BP. Any guru advice which insurers that are likely to accept based on his current conditions?

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[iperiodic]

Planning to get a B1 plan for my Dad but he is rejected by Ntuc because he got CAD and High BP. Any guru advice which insurers that are likely to accept based on his current conditions?

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You can look for an IFA and tell them to submit to all insurance companies, then see which accept. I did this for my gf who had tb and appendicitis. Believe there's 1 or 2 IFA's around the forum if you lazy to find outside.

 

[Bigoya]

Planning to get a B1 plan for my Dad but he is rejected by Ntuc because he got CAD and High BP. Any guru advice which insurers that are likely to accept based on his current conditions?

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Consider Aviva moratorium underwritings.
Consider applying with all other insurers and make full declarations and health and provide medical reports to prevent them frm making conservative assumptions abt ur dad's condition.

 

[Bigoya]

You can look for an IFA and tell them to submit to all insurance companies, then see which accept. I did this for my gf who had tb and appendicitis. Believe there's 1 or 2 IFA's around the forum if you lazy to find outside.

I'm switching to IFA in May.