facebookIs buying integrated shield plan with 200% loadings (due to diabetes) worth it? Or is Medishield sufficient? - Seedly

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Anonymous

25 Feb 2023

Insurance

Is buying integrated shield plan with 200% loadings (due to diabetes) worth it? Or is Medishield sufficient?

Wondering if it make senses to get IP despite 200% loadings

  • 55 years old
  • Pre-existing condition: diabetes
  • No other existing insurance except Medishield, Careshield
  • Offered Raffles Shield Plan A + RH option
  • 200% loadings
  • No exclusions
  • Premiums: ~$3k per annum this year (but escalates with age)

Discussion (7)

What are your thoughts?

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Hi , able to share ur Fa form the raffles shield ?

First time I hear integrated shield plan with loading, so interesting. what i know is either application rejected or exclusions.

Pang Zhe Liang

28 Feb 2023

Lead of Research & Solutions at Havend Pte Ltd

In order to answer your question, I feel that it would be best for us to go through a step-by-step p...

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