Currently using AIA Healthshield Gold Max as integrated shield plan but thinking of changing due to change that requires pre-authorisation and for only panel doctors. Any insurers with same policy?

As a matter of fact, there is a 85% pro-ration factor if and only if the treatment fulfils all the following four conditions, 1) Treatment is for non-emergency admission / day surgery; 2) Treatment is sought at non-AIA Preferred Providers; 3) Certificate of Pre-Authorisation is not obtained; 4) Not any of the exempted minor surgical procedures.

The lack of any one or more of the above mentioned four points means that the 85% pro-ration factor will not apply.

Of course, the above is subject to the relevant policy's terms and conditions, e.g. treatment falls under the eligible expenses, is medical necessary, and reasonable and customary.

More Details: What does Integrated Shield Plan cover in Singapore

As to whether you should keep or switch your existing integrated shield plan, you should speak with your agent for a professional evaluation, rather than personal opinions here.

Finally, insurers are shifting their focus towards the use of panel doctors in an attempt to control medical costs and stop errant practices. Therefore, it may not be a totally bad thing altogether.

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