Hospitalization

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If pre/post-hospitalisation treatment is your concern, here's a short summary in number of days of what each insurers can offer if you take up their higher tier plans with riders. <Insurer - pre/post>

1) Prudential - 180/180
2) GE - 120/120
3) AIA - 100/100 + 100*
4) Aviva - 90/180
5) NTUC Income - 90/90

* Extended Post-Hospitalisation Treatment for 30 Critical Illnesses .

Hope this helps.

Chemotherapy and Radiotherapy are not limited to the above xxx days after hospitalisation right? Usually chemo is 1 year long of treatments leh.

 

[wondrdoggie]

Just want to say I totally agree with NTUCagent. Unless you have been through an episode of family member or yourself undergoing treatment for a serious medical problem, you probably don't appreciate the peace of mind of knowing that your insurance coverage is sufficient to keep your family member comfortable and given the best care.

To me, these hospitalization plans are the most important insurance to buy. If you can afford it, buy the best plan you can. Once you get sick, you will be so grateful you have it. And sooner or later, we will all get sick.

Just to share an example, my mother went through cancer treatment, all normal treatment didn't work, we had to try the newest drugs to give her a chance. They cost $10k per dose. She needed many doses. She was in such intense suffering that I couldn't imagine not being able to get her air con room or medical attention immediately. I would be so angry with myself if she had to wait days or weeks for her scans. It's hard enough to grapple with a loved one being seriously ill, you don't want to have to fight the system or keep having to queue up for everything. Especially if you could have afforded the extra $100-200 per year to get a better plan.

 

[jeffrey745]

Thanks for everybody's input. What is the success claim rate for integrated shield plans, especially for private hospitals?

What are the grounds for rejection of claims? I've seen a number of cases of patients being rejected for claims on their integrated shield plans.