Should I take up integrated medishield plan for the extra coverage?

Three questions to ask yourself:

1. Do you wish to stay in a government/restructured Class A/B1 ward or private hospitals?

2. Do you want to be able to choose your doctor?

3. Are you willing to pay a higher premium when you no longer have an income?

If you say yes to any of these 3 questions, then you should definitely consider buying an integrated shield plan.

It is also important to note that there is a post-hospitalisation period when you may be required to revisit for follow-ups etc. The cost of your medication is also tagged to your ward type during hospitalisation. (e.g. The same bag of medication may cost $100 when discharged from class A ward, but may cost $50 when discharged from a class B2 ward due to government subsidies) There are a number of insurers offering up to 1 year of post-hospitalisation coverage. However, it all comes at a cost.

Talk to an advisor and work out your budget and long term affordability before committing to an integrated shield plan. The last thing you want to do is to buy and find out you can't afford the increasing premiums as you approach your 60s and be forced to downgrade your plan or even possibly lapsing it totally.

You should upgrade it definitely.
What to upgrade, is the question over here.

Govt or Private? Premiums to pay, cash riders? Those are to be further discussed if you want to have a comparison.
https://www.linkedin.com/pulse/almost-complete-... I will be updating it if possible. (many changes as always).