Is there any benefits of getting a higher coverage integrated shield plan (private/public A) if I'm comfortable with the level of care at public hospitals, and am willing to stay in B1 ward? ? - Seedly
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Anonymous

Asked on 07 Jul 2018

Is there any benefits of getting a higher coverage integrated shield plan (private/public A) if I'm comfortable with the level of care at public hospitals, and am willing to stay in B1 ward? ?

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Cherie Julianne Tan
Cherie Julianne Tan
Level 6. Master
Answered on 20 Jul 2018

I am currently holding AIA Healthshield Gold Max (integrated shield plan) with Max Essential A (rider) - they cover me for a standard room in a private hospital.

Putting myself in your shoes, the benefits that entails are:

With my current coverage, in any case where I find myself hospitalised and not pressed for time, I will have the liberty to choose a B1 ward in a public hospital and will receive the daily hospital incentive from my Max Essential A (rider) of $250/day. E.g. If I was admitted for 5 days, I will get $1,250 for the voluntary-downgrade.

I, too am comfortable with the level of care at public hospitals, but my reason for opting for a higher coverage is mainly for any dire situation where I find myself in and am unable to afford to wait for a hospital bed in a public hospital. Well, they say time is of the essense.. Maybe I'm not right in my POV of public hospitals, if someone could, please correct me too.

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Advantage of private cover is that you can choose doctor/timing of treaetment easier than if in the public system.

Is that worth the much higher cost? Hard to say.

Cherie had the nice tip about the hospital cash benefit way to offset cost of private cover, but insurers have been raising cost of private covers a lot more than the public covers (all driven by cost increases from hospitals.)

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