Basic Medishield, good enough for you?

[RoLanTo]

time to downgrade all my shield plan 1 grade lower.. getting expensive liao

 

[RobinTeoHood]

It depends on your pain tolerance and if you believe all doctors and healthcare are same quality and competence

Sent from Space using GAGT

 

[Asphodeli]

Bookmarked...

 

[windwaver]

If gahmen go set up an insurance arm, then NTUC, AXA, AIA, Aviva, Great Eastern and Prudential all close shop and leave sg. You know how many people are going to be unemployed?

Anyway gahmen already have an insurance arm call Medishit Life.

, medishit life.

Doing business is one thing, sucking the system dry is another.

Pre-requisites:

Degree holder of biology & life sciences discipline
Strong command of the English language (spoken and written)
1 to 2 years of experience as a Life & Health claims assessor
Familiarity with human anatomy, general diseases and disease management

We just call them claims department, not sure if that's what you're asking.

That's the pre-requisites to apply as a claims personnel (for Pru at least), but their job is basically to see if the doc's report matches the criteria for the claim.

That's the problem. You don't need highly qualified people to match doc's report because anybody that read English does the job equally well (a robot can find keywords even faster).

People in the claims department should be able to read an efile record along with memo(s) to know that certain medical procedures are needed in case the efile doesn't stat that.

Might as well hire robots for claims department.

 

[akwl88]

If gahmen go set up an insurance arm, then NTUC, AXA, AIA, Aviva, Great Eastern and Prudential all close shop and leave sg. You know how many people are going to be unemployed?

Anyway gahmen already have an insurance arm call Medishit Life.

Lotsa vacancies in service and fnb sectors wo

 

[xdemolicx]

Might as well fire all sales ppl in every industry thn pay e backend higher ma. Ez ma just go direct can alrdy

Lotsa vacancies in service and fnb sectors wo

 

[akwl88]

Might as well fire all sales ppl in every industry thn pay e backend higher ma. Ez ma just go direct can alrdy

Good idea can save costs

 

[windwaver]

Good idea can save costs

Might as well fire all sales ppl in every industry thn pay e backend higher ma. Ez ma just go direct can alrdy

I go direct and self service. Most of the time it's more troublesome going through an agent.

 

[antonpoh]

, medishit life.

Doing business is one thing, sucking the system dry is another.

I call it Medishit life because you pay $400+ each year but can only claim $530. Without CPeeF MA and 80% gahmen subsidy to support it.. it's really a **** up lousy insurance.

Spoiler

 

[redglue23]

For me, it's C-class all the way. I only have Medishield life, no other IP plans.

It is not because I have no money or that I cannot afford it.

It is because I don't believe mortality rates are worse in C-Class or if I am in A-Class I can recover and survive anything due to the superior environment.

Everyone succumb to illness and respond to medical treatment differently. Some ppl respond well to drugs some don't, and it is not due to the aircon ward nor the doctors.

Having said that, if I end up in a C-Class ward with 6 snoring and metally unstable uncles that shouts/make noise uncontrollably at all hours, then I might consider going to B class.

 

[windwaver]

For me, it's C-class all the way. I only have Medishield life, no other IP plans.

It is not because I have no money or that I cannot afford it.

It is because I don't believe mortality rates are worse in C-Class or if I am in A-Class I can recover and survive anything due to the superior environment.

Everyone succumb to illness and respond to medical treatment differently. Some ppl respond well to drugs some don't, and it is not due to the aircon ward nor the doctors.

Having said that, if I end up in a C-Class ward with 6 snoring and metally unstable uncles that shouts/make noise uncontrollably at all hours, then I might consider going to B class.

The only difference to me is only the option to select the doctor. Other than that, it really doesn't matter.

It's not necessarily easy to claim from insurance. I've talked to a Fidrec officer before and it's pretty common to have cases of insurance companies not paying up claims.

 

[anfielder]

I call it Medishit life because you pay $400+ each year but can only claim $530. Without CPeeF MA and 80% gahmen subsidy to support it.. it's really a **** up lousy insurance.

Spoiler

that's because Medishield life is not designed to protect you from small bills like this.

 

[windwaver]

that's because Medishield life is not designed to protect you from small bills like this.

Correct.

I think the committee is currently reviewing to remove all as-charged plans to prevent abuse.

If that realizes than we will see significant changes.

 

[OngHuatHuat]

What is the difference in waiting time between private vs government hospital? This is quite an important consideration for me.

 

[RoLanTo]

as-charge plan will just help spiral everything upwards.. premium n medical charges.. since everyone will just consume n hospital knows u can claim.. same like those car workshops, inflate repair cost

 

[yanbros]

I saw some people rather choose C class wards. I am absolutely fine with that . If i had a choice, i would choose C class too. But just to share my experience. I have an IP plan but only up to A class Govt/restructured hospital. I had this case where by i had fever and swelling and i will be down for a few days during the course. This happened several times this year and i went to GP and then to polyclinic to get my case to see a specialist in SGH. SGH couldn't find anything wrong so i went back to GP and he recommended me to see private specialist and to go to the specialist when the fever came so they can catch the ghost as it appears.

In summary, i just want to say that sometimes, we don't have control over what class we want to be in. IP plans can use medisave to pay. If you are working, i'm sure its affordable for most. If possible, i would have choose the IP for private hos and rider to cover deductible and co-insurance. From what i see, its about $30-40/mth thats paid by cash. Still affordable i guess.

Hopitalisation plans are a must. Most of us will visit the hospital at least once in our life. Do not depend on medisave alone.

Just sharing my story so others can benefit or learn from it.

 

[yanbros]

What is the difference in waiting time between private vs government hospital? This is quite an important consideration for me.

What kind of waiting time? If you see a private specialist, they can ward you into a private hospital and conduct most if not all the test required within a day and get the results the same day. I can't say the same for government hospital.

IP plans without rider can use medisave to pay. If you're working, it will definitely be affordable. If you can afford to layout some cash ie. $30-40/mth to add on rider to reduce or eliminate the need to pay deductable and co-insurance, by all means, please do.

Most of us will visit hospital at least once in our life and its a kind of insurance that is definitely worth paying for.

 

[OngHuatHuat]

Yeah I was asking about this kind of waiting time.
This is actually the main consideration for me.

What kind of waiting time? If you see a private specialist, they can ward you into a private hospital and conduct most if not all the test required within a day and get the results the same day. I can't say the same for government hospital.

IP plans without rider can use medisave to pay. If you're working, it will definitely be affordable. If you can afford to layout some cash ie. $30-40/mth to add on rider to reduce or eliminate the need to pay deductable and co-insurance, by all means, please do.

Most of us will visit hospital at least once in our life and its a kind of insurance that is definitely worth paying for.

 

[yanbros]

Yeah I was asking about this kind of waiting time.
This is actually the main consideration for me.

If time is of a concern for you, then i would definitely recommend the one for private hospital.

 

[soneat]

If I am not mistaken, for real A&E, the standard protocol is to send the patient to the nearest govt hospital. If its life threatening situation, response will be almost immediate.

Now for non-life threatening situations, having treatment at govt hospital needs a lot of patience and time.