What is the best hospital IP Shield plan that provides good private hospital coverage when young and downgrade to ward restructured hospital when old?

I am looking at AIA Goldmax A for its wide coverage and extensive panel. However, I realise that its Goldmax B plans charges are much higher than other insurer when middle age onwards.
Have looked also at Great Eastern which seems to have reasonable charges throughout but a smaller panel of doctors.
Not sure abt other insurers.
Hoping for some recommendation based on my needs. I am 21 and female. Thanks.

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Pang Zhe Liang

16 Jul 2020

Fee-Based Financial Advisory Manager at Financial Alliance Pte Ltd (IFA Firm)

Above all, the premium rates are non-guaranteed and may be subjected to revisions upon renewal. Therefore, I will suggest for you to place greater emphasis onto both the tangible benefits as well as the intangible benefits that each plan is able to provide.

For AIA HealthShield Gold Max, its extensive pre- and post-hospitalisation benefit alongside with its strong base of panel doctors give my clients a peace of mind. Additionally, it has exclusive partnership with Medix, a medical case management service provider. Through this partnership, it allows clients to get professional attention from a crew of specialists for their medical condition. Thus, you may wish to take such benefits into consideration too.

At the end of the day, most insurers have shifted their focus towards their panel doctors in an attempt to reduce medical bill size. Therefore, it is important for us (as consumers) to have easy access to the right doctor.

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