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Absolutely. If you fall ill right now, you'll get treatment from a Singapore Hospital. The limits on Malaysian Medical Cards are usually about 100-250k SGD while an integrated shield plan here is easily 500k-1.5m depending on the type of benefit you want. You can get that shield plan as a foreigner from a few insurers. I suggest checking out NTUC, Raffles Shield, and AIA. Speak to an independent advisor like myself to understand how the policies work and get a comparison for those that offer their policies to foreigners. :)

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E
Eugene
Level 2. Rookie
Answered on 06 Jun 2019
Well what you can do now is to do a policy review to reassess your current financial status. Having to save on premium might mean that you're spending too much on other stuff? If you're interested I can intro you my agent l. He's done a pretty good job so far. Not too pushy either.

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Hi there, Max Essential A Saver did not change to Vital Health Rider. It's more of a new offer that is compliant with MOH guidelines as what Hariz has mentioned. If you are owning the Max Essential A Saver you can keep it. If you are owning the Max Essential A you can downgrade to either the Essential A Saver or Vital Health A. For age30-40, price gap between Essential A saver and Vital Health is about $50/y only. The essential A Saver rider covers 100% for you and has a possible daily hospital cash if you downgrade. I'd attach my analysis here if you want to know more. Also, contact a qualified adviser to understand further, good luck. https://www.theastuteparent.com/2018/12/aia-healthshield/ !
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Kwok Marlina
Kwok Marlina
Level 3. Wonderkid
Updated on 07 Jun 2019
Whoever says That left a few days to get IP plan with full rider is NOT TRUE. Did you digest the information properly before commenting here so? https://www.straitstimes.com/politics/parliament-patients-who-buy-new-riders-for-integrated-shield-plans-will-have-to-pay-5-per 5% co payment kicks in for all the shield plan bought on 9th march 2018 onwards. Govt announce it on 8th march and make this effective immediately to prevent people rushing to buy plans with full riders

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Jean
Jean
Level 2. Rookie
Updated on 01 Mar 2019
Hello! I would recommend you to keep the whole life plan because you probably have gotten it when you’re younger and premiums are fixed at a low rate. Cash values have also been accumulating in the policy. Although switching to term life is relatively cheaper, the downside is that it only covers you till a certain age. If you would like to buy a new plan by then, the premiums will be high. It will be good to upgrade your health insurance (referring to hospital plan/Medishield in this case) to private medical insurance where your medical bills can be claimed should you visit private hospitals and government hospitals (A wards). Also, do check whether you have early critical illness coverage because even though hospital plans cover treatment for example, cancer, you will still need cash for your own/family’s expenses. With regard to the ILP, do understand that the main purpose of the plan is to protect your risk while giving you some flexibility in the money portion (i.e premium holiday, withdrawals etc). If you plan to earn from the investment portion from this plan, it might not be suitable for you since part of the premiums is used to fund for protection. For term life, you can consider continuing your group term life from AVIVA which gives you pretty high coverage at a low premium! Sorry if this isn’t comprehensive enough, but I hope this helps :)

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Don't think there is any. Our local Shield Plans have a last entry age of 75, plus not many seniors would be of pink of health at that age either.

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Yixiong Chang
Yixiong Chang
Level 5. Genius
Answered on 06 Dec 2018
I would need to know more details (your age, diagnosis, current medical condition etc). I might be able to help u join a group H&S. Please pm me on my facebook.

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Personal Finance 101 (LLI)

Loh Tat Tian
Loh Tat Tian
Level 6. Master
Answered on 06 Dec 2018
Based on the definitions. This is mentioned by the government on the $3,000 amount by 2022 (even after buying full riders). Co-payment (fixed amount to be paid). This is similar to deductible. Co-insurance a percentage of the total bill to be paid by your kind self. Its is a percentage of the bill after minus deductible. E.g hospital bill $20,000, no rider Deductible = $3,500 Co-insurance = 10% of (20,000 - 3,500) = $1,650. If you bought rider, there is nothing extra to pay. $20,000 is paid by Insurance New regulation (with full rider) Copayment- = $3,000 (paid by you) Insurance settles $17,000 New regulation (no rider) is the same as no rider example

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Good Day Every Day
Good Day Every Day
Level 6. Master
Answered on 29 Nov 2018
Whether to upgrade your ElderShield, you need to consider whether you would want 1) to have an easier claim criteria: 2 ADLs instead of 3 ADLs 2) to pay more with money in your Medisave for life (whether you have sufficient money in your Medisave) 3) Careshield in 2021 You ought to think very carefully as money in Medisave is also your hard earned money.

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Lee Jin Fei Andre
Lee Jin Fei Andre
Level 3. Wonderkid
Answered on 12 Oct 2018
If a person is still undergoing treatment for depression, I'm sorry to say that it is highly likely your friend will be rejected by most if not all insurers at the moment. Cases of depression are too risky for insurers to underwrite, and hence will not be given much chance at all. This may include those still undergoing consultations, and taking medication etc. From experience, only if a person has officially recovered from the condition will the insurer been more keen to underwrite, and before a certain number of years after recovery, the insured will most likely have exclusion on all treatments or surgery related to any mental conditions for the time being. An appeal to remove exclusion can only be done after a number of years, and is subject to additional underwriting as well. Not all hope is lost of course, as your friend can still try to apply for moratorium underwriting for health insurance. This is only offered by Aviva at the moment, but is an option to consider. This advice is from experience, and may not fully represent the underwriting requirements of each insurer. If unsure, always check with a financial adviser from the insurers you would like to apply to.
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