Asked 2w ago
Both are with riders
That is tough to answer based on just the question. But the ideal case is always to have the highest possible coverage as if one is hospitalised, they might want to have the power of choice and also the possibility of getting a 2nd opinion.
The main difference between private and restructed hospitals is the response of the treatment as private health care is usually quicker, but I do believe that both private and restructed hospitals have high quality of care.
The question you might want to ask yourself is, if I am hospitalised, will I go to a private hospital or a restructed one? I think that would give you a better idea of what works better in your case.
My philosophy for healthcare insurance is very simple - get the best coverage that you can afford. After all, it is easier to downgrade than to upgrade. This is because the latter usually involves medical underwriting.
In your situation, you may wish to consider whether you prefer to have the option to seek treatment in private hospitals, or if you are comfortable with treatment in public hospitals only.
Additionally, you may wish to consider the ability to choose your own doctor, as well as the waiting time involved for treatment.
Without a doubt, you should also consider your affordability in the long term. With this in mind, it will be good to plan your cashflow to help you make a sound decision.
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