Which comp (enhanced incomeshield) shld i take?

Hi anon,

I presume you are asking which insurer you should consider for your medical coverage.

Understand your options first. Currently, 7 insurers do ISPs (Integrated shield plans) so you would want to weigh the different features of each plan and their corresponding rider structures before you decide.

Some factors to look at include

• Coverage level (Private? Govt A ward? B1 ward?)
• Rider coverage (how much out of pocket do you want to limit yourself to?)
• Pre and post hospitalization coverage duration
• Maximum claim limit
• List of panel doctors, etc

Spend some time to understand the individual plans before you decide which works for you.

It depends on your needs, alongaside with your financial background.

As a general start, you need to decide if you prefer coverage in both private and government hopsital in Singapore, or if you are comfortable with staying in government hopsital only. Here is some info between the two: https://www.blog.pzl.sg/private-vs-public-healt...

Next, decide if you should opt for the rider add-on. In most cases, it is valued to have the rider add-on. Here is why: https://www.blog.pzl.sg/should-i-buy-rider-for-...

Additionally, it may be valued to compare between a few insurance companies to find the one that gives you the best value overall. For instance, AIA partners with WhiteCoat and has an exclusive partnership with Medix, a case management service. On top of that, there is an enhanced pre- and post- hospitalisation of up to 13 months and an annual claim limit of S$2million for treatment via AIA Preferred Providers (government hospitals and over 250 private specialists).