What other factors I should consider when choosing an insurance plan between 2 insurers with almost the same Integrated Shield plan?

Hi Anon,

For hospitalisation (integrated shield plan), there is no cash/surrender value. Meaning to say, 100% of the premiums allocated will go to the company at the end of the day.

The reputation and claim process and speed is certainly important.

Other than that, take note if the plans are claims based pricing = when you do a claim, the premiums will increase, and when that happens, it would be harder (almost impossible, depending on the condition) to switch to another insurer since there is already a 'pre-existing condition' or a claim before. (there are a few companies that are moving towards this claims based pricing already).

Look at their list of panelists as well.