Hi is my medishield limit of 150k enough for hospitalisation? should i upgrade?

Hi anon,

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Technically, it's Medishield Life.

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The claim limit of 150K is also subject to many factors. They do not just look at the overall hospital bill, there are itemized claim limits as well. So if you stay in a B2 ward that costs $800/day (unlikely but you never know), the excess amount must be paid by you, even if your overall bill is less than $150K.

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A shield plan doesn't delineate as much, and doesn't cost a lot when you are relatively young, so I highly suggest upgrading.

It is recommended to get the integrated plans (even with the lowest plan), as medishield iteself does not cover pre and post hospitalizaiton bills. This can be quite substantial.