Enhanced IncomeShield Advantage + Classic Care Rider

Hearsay that this policy + rider is one of those with cheaper annual premiums and the amount of coverage given is sufficient for most hospitalization costs.

For those of you who purchased this policy + rider:

Why did you choose to purchase it in the first place?
How has it benefitted you and what are the downsides of this policy + ider

For others who did not purchase this policy:

What is the policy + rider that you have purchased and why? How much is the premiums per year?
How has whatever that you have purchased benefitted you as well as the downsides of it?
Are there any other policiies & riders out there that provides similar amount of coverage but at lower cost for the annual premiums?

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Ang Pei San

2d ago

Personal Wealth Manager at AIA Singapore

Hi, do you already have an existing coverage? (if so, generally we don't swap around)

Any pre-existing conditions? (if have, no swapping, you will need to go through medical underwriting again)

Age that you are comparing? (different age, different price)

Majority of the companies have rather competitive prices and it has a different curve at different age band.

It doesn't matter which company you choose you follow because the prices changes yearly, companies changes the renewal prices based on claims history/ medical inflation after renewal.

When i started my hospital plan, i was paying $300 for rider, now i'm paying close to $1000 for the rider to cover for private hospital coverage.

The plan you mentioned is to cover to government hospital coverage so price differences wouldn't be much between companies as well.

Generally people choose base on the agents. Make sure you choose someone that will be in the industry and able to service you at a point of claim.

:) Hope these helps.

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