Hi. if i dont need income replacement. Does my medishield and private integrated plan sufficient to cover my hospitalisation and ongoing treatment cost for CI like cancers.

Hi anon,

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Not quite.

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One of the things that many people forget about are alternative treatment costs. This is a very broad term but it does cover costs relating to (non exhaustive)

• Off label drugs
• Second medical opinion
• TCM
• Cost of hired help if that is required
• Supplements for recovery
• Co-payment for hospital bills since our ISP riders no longer cover the full bill

If shield plans covered such costs, your premiums will be a lot higher.

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Combine a shield plan with CI coverage for better risk management.

CI plan may still be necessary because shield plan doesn't cover all kinds of treatment cost, for example, long term outpatient specialist, off label cancer drugs or TCM.