PRUshield A Premier vs PRUshield A Plus

[Singleton]

I am currently on PRUshield A Premier with prushield extra...

Seem like PRUshield A Premier is more for people to choose private hospital actually I am fine in staying in Singapore Restructured Hospital.

The premium increase when one reached 41 is quite high as I am scared, i will be jobless due to retrenchment or unforeseen circumstances

Prushield extra is more to cover for all the cost that I dont need to fork out an single cent which I intend to keep for now..if really cant afford then may cancel it?

Should I downgrade to PRUshield A Plus?

Any good advice for me?

Thanks.

http://www.prudential.com.sg/corp/prudential_en_sg/solutions/protect/PRUshield.html

Premum amount:
http://www.prudential.com.sg/corp/prudential_en_sg/solutions/protect/PRUshield.html

Prushield extra:
http://www.prudential.com.sg/corp/prudential_en_sg/solutions/protect/PRUshield_extra.html

 

[Singleton]

Nobody comment?

 

[OngHuatHuat]

If you are the sole breadwinner for the family, better get the best hospitalization plan. The price quoted is per annum basis.

Try to cut down expenses on other plans and put hospitalization plan as top priority.

For me, if I am hospitalized due to major illness, I wish to have continuous flow of income during that period too to help me tide over.

 

[OngHuatHuat]

And don't forget, your medisave account balance will grow as you age.

 

[01asdf]

H&S isn't meant to provide you with a continuous income source when hospitalized ...

 

[Singleton]

If you are the sole breadwinner for the family, better get the best hospitalization plan. The price quoted is per annum basis.

Try to cut down expenses on other plans and put hospitalization plan as top priority.

For me, if I am hospitalized due to major illness, I wish to have continuous flow of income during that period too to help me tide over.

I am FA .. staying with my parents for now..

I am already quite thrifty already, no smoke or drink, clothes or shoes will buy only when there is sale.

The only vice is i bet on toto...

I also buy some stocks & bonds too...

 

[Singleton]

H&S isn't meant to provide you with a continuous income source when hospitalized ...

Does that mean I should downgrade to PRUshield A Plus

 

[xiao.xin]

Does that mean I should downgrade to PRUshield A Plus

If you're okay with govt hosp, then by all means go ahead. Also usually they will be pro ration factor if say urgent and require to go to private hosp.

Sent from BlackBerry STH100-2 using GAGT

 

[dendii]

How old are you now? You may want to also consider only downgrading when the premium is too high, in this case 41.

I have clients who upgraded after their experience with government hospitals.

 

[akwl88]

If u can afford, jiu go pte hosp

If cannot jiu go public hosp

Go compare the bills and which is covered under medishield life