I have full insurance coverage for public hospitals now, understand that co--payment will kick in soon or even if I choose to upgrade now.?

Should I stick to my current plan or upgrade to a private coverage?

Discussion (4)

What are your thoughts?

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Loh Tat Tian

07 Jun 2019

Founder at PolicyWoke (We Buy Insurance Policies)

What makes you think of wanting to upgrade to private insurance coverage in the first place?

If you are fine with public hospital A ward, then you can stick to it?

Before we advice, maybe you should let us know the reason behind wanting to upgrade to private?

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Josh Tan Jian Liang

17 Feb 2019

Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd

Hi anonymous, I saw your reply below.

If delivery was in a private hospital and a pregnancy complication happens that is within your ISP, a proration factor would kick in. This means a large part of your bill cannot be claimed.

Hence, it is a valid concern for upgrading for possible pregnancy complication needs.

There is a waiting period of 10months usually before pregnancy complications can be covered. If you would like to upgrade, most insurers have at present moment launched their new 5% co-payment rider plans.

Understand your current ISP for its pregnancy coverage.

I've a summary here for you https://www.theastuteparent.com/2017/05/pregnan...

Good luck and take care

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