Hi, I am a foreigner with Spass male 22 yrs old, non-smoker. I am looking for health insurance coverage. Currently comparing among NTUC Enhanced shield, Prushield Premier and GE Supreme Health P Plus.?

Coverage:

• AIA covers up to 13 months Pre-Post Hospitalisation

• AIA covers up to $70k/yr for both Proton Beam Therapy Treatment and Cell, Tissue and Gene Therapy

• AIA covers up to $2,000,000 claims limit per year

Claims process:

• Majority of the insurers are quite fast on processing claims

Overseas Treatments:

• The Iintergrated Shield Plan are basically domestic plans where coverage are mainly focused for locally incurred medical expenses.

• Overseas coverage are very limited, such as Emergency Overseas Medical Treatment, which covers the bill only if failure of immediate treatment results in loss of life or serious health impairment.

• If you need overseas coverage, consider Internation Medical Insurance which cost multiple folds of the Integrated Shield Plans.

Downgrade Cash Value

• If you are referring to the Daily Cash Benefit which you receive for being warded in a lower than entitled ward, this benefit is no longer available across the industry.

Affordability

• Above premiums are based on Singapore/PRs rates. Foreigners would cost roughly 5% more.

Hey there. All 3 companies will be good choices. At your age, premiums will be cheap across all 3 insurers. If you like a comparison of the 3 do reach out to me here. I cover 9 major insurers including Aviva, NTUC, Manulife etc.