Currently with ntuc income enhancedshield with assist rider. Thinking of changing to another IP plan, potentially aia healthshield gold with max vitalhealth. Should i change out?

Check your underwriting terms and conditions before switching.

Note on the waiting period as well.

Switching just for the price savings is generally not recommended for hospitalization plans due to the frequency of premium re-pricing.

Hi Anon,

If the co-insurance portion is what you are concerned, I do believe NTUC should have other plans that can match what other insurers are offering, as the 5% co-insurance is pretty standard once you have gotten the rider.

Also usually we don't recommend you to change your IP if you happen to have pre-existing conditions, cause when you switch, the new insurer is unlikely to cover that condition as compared to your current insurer, as you got the plan before the condition. So this might be something you want to factor in more so than the other things which are variables.

Do reach out if you have more questions