Which MediShield Plan s the Best???? - Singapore's Online Community

**inle** · 03-03-2008, 05:39 PM

hi hi....
i m aware of the different kind of MediShield plans out there in the mkt...
if i m not wrong, there are these companies which offer the MediShield plans n its enhancements:

AIA
Aviva
Great Eastern
NTUC
Prudential....

wat r the features tat pple look at at beside the prices????
pls enlighten me...
thx thx

Kaze.YonGMinG · 03-03-2008, 05:42 PM

its better to just approach them.
they do not vary that much only the agent handling u matters.
all their plans are more or less the same due to control of MAS =D

approaching them gives u a better overview of what kinda plans covers what. and also suits ur needs.

**TotalNV** · 03-03-2008, 05:45 PM

deductible and coverage. mine's under AIA.

**Leocravensky** · 03-03-2008, 08:47 PM

most features are the same but for Great Eastern's Supreme Health plan we provide the following extras that other companies don't
1) Payout for confinement in Community Hospital Daily upon referral from discharged hospital
2) Provides coverage for Pregnancy Complications and Congenital Disease (This is an excellent feature for mums to be)
3) Enjoy 10% discount on the 1st yr for your child.

The rest are more or less the same. You can send me a private message of your email and I can mail you the brochure if your interested.

**inle** · 04-03-2008, 12:42 AM

	Quote:			Originally Posted by Leocravensky
	most features are the same but for Great Eastern's Supreme Health plan we provide the following extras that other companies don't 1) Payout for confinement in Community Hospital Daily upon referral from discharged hospital 2) Provides coverage for Pregnancy Complications and Congenital Disease (This is an excellent feature for mums to be) 3) Enjoy 10% discount on the 1st yr for your child. The rest are more or less the same. You can send me a private message of your email and I can mail you the brochure if your interested.

u can email me the brochure at
labi_tail@yahoo.co.uk....

i m doin a comparision of the Shield plans in the makt....
thx thx....

**inle** · 06-03-2008, 05:14 PM

	Quote:			Originally Posted by Leocravensky
	most features are the same but for Great Eastern's Supreme Health plan we provide the following extras that other companies don't 1) Payout for confinement in Community Hospital Daily upon referral from discharged hospital 2) Provides coverage for Pregnancy Complications and Congenital Disease (This is an excellent feature for mums to be) 3) Enjoy 10% discount on the 1st yr for your child. The rest are more or less the same. You can send me a private message of your email and I can mail you the brochure if your interested.

i jux got an update on Prudential shield plan(an updated version)...
i haf not got the details yet but it seem tat it also covers the pregency complications n ambulance things n more benefits....
so rather competitive wz GE, esp their premiums r lesser....
u mite like to comment on it....

**Leocravensky** · 07-03-2008, 12:19 AM

From my understanding GE is the only company that covers

1) Payout for confinement in Community Hospital Daily upon referral from discharged hospital
2) Provides coverage for Pregnancy Complications and Congenital Disease (This is an excellent feature for mums to be)

Pregnancy complications and congenital disease are seperate charges that are not covered under the shedule for normal enhanced medishield plan. But like you said you got an *updated version, I may be wrong.

I am reading through the benefits shedule of Prushield (A Premier / A Plus), and I could not find the benefits there. So most likely the *updated version is not up or they still doesnt include the 2 features.

If you really want the cheapest plan and not really that much concern with the content i will advise you to seek income shield, the rates are the lowest from my knowledge

If your looking for rider to cover the deductible and co-insurance, policy owner of supremehealth are also entitled to a 20% discount for our rider. Total Shield.
http://www.lifeisgreat.com.sg/en/jsp...otalshield.jsp

**duochasm** · 08-03-2008, 04:37 PM

Hi hi,

time to share again.

If you are thinking of comparing the plans, here's something to help you with.

http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=11222

that's a comparison of all the plans in the market as at Oct 2007.

Personally I have compared the plans and find that PruShield is one of the cheapest and has one of the most comprehensive coverage. However, I prefer shield plans from local insurance companies and hence did not buy from Prudential.

Also, due to means testing for hospital bills, likelihood is that there would be adjustment to the premiums of all the shield plans in the market.

**duochasm** · 08-03-2008, 04:39 PM

Oh you might want to know that Prudential has recently revamped their shield plan and thus it now also covers Pregnancy complications and congenital disease. I saw it on papers. LOL

**inle** · 08-03-2008, 04:48 PM

	Quote:			Originally Posted by duochasm
	Hi hi, time to share again. If you are thinking of comparing the plans, here's something to help you with. http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=11222 that's a comparison of all the plans in the market as at Oct 2007. Personally I have compared the plans and find that PruShield is one of the cheapest and has one of the most comprehensive coverage. However, I prefer shield plans from local insurance companies and hence did not buy from Prudential. Also, due to means testing for hospital bills, likelihood is that there would be adjustment to the premiums of all the shield plans in the market.

thx thx...
i also noe tat there s no premium increase even more benefits r added in....
so rather competitive....

but why local companies r better even though u mentioned tat Prudentialhas the better coverages n premium rates????
i tot all went under CPF n MOH 4 approval...
if i remember correctly, Prudential, AIA r the largest in terms of sales in SG n they haf one of the better n faster claim history than the smaller companies in SG....

pls enlighten...
thx thx....

**lovehusky** · 08-03-2008, 05:37 PM

hi.. you may like to check out NTUC enhanced incomeshield plan which is "as charged" basis and option to add a rider has 10% co-insurance only and subject to certain cap depending on which plan...

**inle** · 08-03-2008, 05:55 PM

	Quote:			Originally Posted by lovehusky
	hi.. you may like to check out NTUC enhanced incomeshield plan which is "as charged" basis and option to add a rider has 10% co-insurance only and subject to certain cap depending on which plan...

i think all the plans now r all "as charged" liao....
most of the Medishield plans nowsaday, like AIA, GE, Prudential, Aviva can claim 100% on the medical bills wz the rider added except for NTUC....
pls enlighten me if i got it wrong....

so NTUC not really worth it....
Aviva also got the danger of unable to claim ltr....
so now lookin at GE, AIA n Prudential for comparison....

**Leocravensky** · 09-03-2008, 12:18 AM

	Quote:			Originally Posted by duochasm
	Oh you might want to know that Prudential has recently revamped their shield plan and thus it now also covers Pregnancy complications and congenital disease. I saw it on papers. LOL

Just saw this for prushield

Enhancements:
Covers pregnancy complications.
Covers child abnormalities.

I'm waiting to see if my company is going to come up with any adjustment to make our plans more competitive. I will raise this during my next meeting to my boss so she can talk to the product design side when they have their meeting, thanks =)

But still our plans has this 2 features below I'm not aware that other plans has.

1) 20% discount for our rider. Total Shield.
2) Payout for confinement in Community Hospital Daily upon referral from discharged hospital

**inle** · 09-03-2008, 12:37 AM

	Quote:			Originally Posted by Leocravensky
	Just saw this for prushield Enhancements: Covers pregnancy complications. Covers child abnormalities. I'm waiting to see if my company is going to come up with any adjustment to make our plans more competitive. I will raise this during my next meeting to my boss so she can talk to the product design side when they have their meeting, thanks =) But still our plans has this 2 features below I'm not aware that other plans has. 1) 20% discount for our rider. Total Shield. 2) Payout for confinement in Community Hospital Daily upon referral from discharged hospital

thx thx....
do keep us update for ur boss's comments n advice....