Old ntuc incomeshield b ( with no exclusions) vs GE B1 plan with rider ( with exclusions of hypertension, disorders of the heart and cerebrovascular diseases)

Hi all, my dad is 72 years old. Considered healthy but only with the 3 highs. I helped my dad applied for an upgrade and only GE has offered him b1 plan recently with exclusions (as mentioned in title).

Should I switch him over ? If so, I may face a gap using medishield life if he is warded in b2 or c ward (assuming we take ge plan and hence need to take b2 and below ward). Will the hospitalisation bill for his excluded conditions be a hefty sum? Also, since medishield does not cover pre and post, with that amount to a huge sum as well ?

Need some advice here. Thank you

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Loh Tat Tian

09 Sep 2021

Founder at PolicyWoke (We Buy Insurance Policies)

With such conditions, honestly it doesn't make sense to switch over to GE Plan at all, even with a different price. I would rather stick to the old plan so i know my coverage, rather than a better plan, but with more exclusions (which you wouldn't know which would apply). But that's for my own decision.

The only reason why you would want to cover is a peace of mind though.

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