Do most of your FAs have a clear understanding on the recent change in hospitalisation IPs? My agent has been unfortunately very aloof on this point and suddenly very active to introduce a new CI plan

If you're from GE, mainly:

1) Increased premium rates

2) Compulsory shift towards 5% copayment (capped at $3k if you're on gov't or panel doctors; non-panel has no limit on the 5% copayment)

3) New conditions covered which were previously absent

4) Introduction of claims adjusted pricing (affects mostly private hospital claims); works similar to car insurance - claim = higher premiums next year, no claim = discount)

It's easier to advise you if you have the exact name of your current policy.

The current hospitalisation changes in general are

higher premium

higher protection in return

Depends on the companies, got USPs in it