HSBC vs Income NTUC Shield Plans

Hi folks, 30s Male, debating between HSBC vs Income Shield Plans. Love to get insight from the group (note that I only have acceptance without exclusion from these 2 due to prior pre-existing)

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I'm looking to get the private hospital, and then downgrade later in life to Class A plan for both, and premiums seems roughly similiar

• HSBC Life Shield (Plan A) with Life Enhanced Care (Plan A) rider
• Income Enhanced IncomeShield Preferred with Deluxe Care Rider

In terms of coverage numbers, I've done my research so understand the pros and cons of each (e.g., HSBC have higher annual limit and long pre/post hospital regardless of panel vs non panel; Income has higher proton beam and gene therapy coverage)

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_But what I'm really interested in hearing is more of the qualitative feedback _on:

• Industry experience and feedback on claims denial by either
• Coverage of panel doctors (don't want my care to be limited too much by which doctor I can go to)
• How easy/difficulty is claiming

I am personally leaning towards HSBC because I've heard Income's process are more archaic and this HSBC agent seems more attentive and knowledgeable vs the Income one, but I'm worried since HSBC just bought over AXA so don't have much track record. Love to get some industry feedback.

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Thank you for your insights!