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Anonymous
Should I get rider with integrated shield plan?
Met with an agent and he was very enthusiastic in pushing me to purchase my a rider with my ISP
is it worth it? Did you get it? Or is riders paying high comms to agents?
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No longer an agent, but from my perspective it is good to have. i have it too. my loved ones have it too. Regarding comms, companies do have different ones, but this one is definitely not high high like ILP.
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What type of rider that they suggested you to purchase ?
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Hello, in general, the cost out of your own pocket will be the lowest when you are covered by an IP and rider, while treated by an panel doctor. The out-of-pocket sum differs slightly from each insurer. so it depends on what is your priority There is a comparison table with examples here for ISP with rider. Hope it helps
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Chin Guo Qiang (ITIL4 / CSPO / CSM)
Edited 07 Sep 2024
Assistant Vice President, IT Operations at Bank of China Limited
Might want to review your monthly insurance premium budget, and see how this can fit in first.
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It depends on your needs.