Hospitalisation & Medical Insurance

Have you provided your family with sufficient hospitalisation insurance?

Don't wait until it's too late - major illness can strike anyone, anytime.
Once an illness strikes, no insurance company will accept coverage for it.

Is Medishield sufficient?
Medishield payouts are subjected to limits. For example, spinal implants can
cost up to $18,000. Medishield allows up to $2,500 and government subsidy for
implants are capped at $500 for Class C and B2 patient. Total cash required
would be $18,000 - $2,500 - $500 = $15,000.

Medishield also sets other limits such as yearly maximum claim limits of $50,000
and lifetime limit of $200,000. Also maximum coverage age is up to age 85.

Is my company's group insurance scheme sufficient?
It may be enough right now. But it is not portable. When you leave your company,
the coverage stops. At that time, if anyone in the family contracts a major illness, that person would become uninsurable. 

"As-Charged" Hospitalisation Insurance
These type of insurance provides lifetime coverage and pays the full hospital bill
(less between $1,000 to $3,000 deductible and 10% co-insurance).

Annual premium for a young family of 4 is around $350 to $400. Premiums, benefits, 
terms and conditions varies between insurers.  Premiums can be paid by Medisave
- no cash required.

Contact me for a no obligation, no hard sell discussion. 

What I can do for you:

• Evaluate your family's hospitalisation protect needs
• Provide  you with 2 hospitalisation insurance products from 2 reputable insurers for you to consider
• Do a feature by feature product comparison and explain its implications
• Highlight the pros and cons of each product
• Advise on the most suitable product for your family