Healthcare

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Healthcare
  • Asked by Kenneth Lou

    Steph Yeo
    Steph Yeo, Auntie Uncle Whisperer at Agency for Integrated Care
    69 Answers, 141 Upvotes
    Answered on 14 Sep 2018
    Fitness: 1) attend HPB workouts. Under their Sunrise in the City programme, there are alot of classes by alot of studios/gyms all over sg. Sign up for the mailing list so you know when the booking window opens, cuz popular slots like weekend workouts get snapped up really fast! 2) use your ActiveSG dollars if yours are still valid. Some people's expire alr. 3) if you need help getting out of bed for exercise, wear your workout clothes to sleep. Once you wake up next morning you're almost ready to go! 4) if nice workout clothes motivate you, then just buy them. But don't buy too many lah. Look out for sales at your favourite brand, check out outlet stores, and maybe go jb/usa buy. I generally refuse to buy workout clothes at their original price. 5) follow your favourite brands on social media. They often have free events that you can work out at, and most would come with some sort of discount for their products. And you'll also know when the sales are, for Point 4 abv. 6) download fitness apps and subscribe to fitness youtube channels so you can workout whenever wherever. I like the rockstar fit app by Natalie Dau, videos by blogilates (Cassey Ho) and Emi Wong are cool too, and a tabata counter app helps time my tabata workouts at home. 7) make your steps count! Apps that reward you for simply walking include the AIA vitality and HPB healthy 365. 8) if you need motivation to run, sign up for virtual races with 42race. Normal virtual races usually cost just $9.90 for various distances, and they mail a medal to your home. The medal designs are always quite thoughtful! You may also sign up for free virtual races, those come w virtual medals. And most races come w lucky draws too! 9) when on holiday, make use of the hotel gym or find a fitness class nearby. Exercise in the morning e.g. sunrise yoga by the beach, and carry on your vacation after that! 10) check out parks and nature reserves in sg instead of walking in shopping malls. 11) find a fitness buddy because exercises are usually more fun to do w a friend. Sometimes got 1-for-1 deals too. 12) make use of free/cheap trials to workout and to explore gyms! Examples are fitness first, pure yoga, guavapass, classpass. 13) find sports teams to join so you have some community support, and that would most likely push you to work harder. Check out running teams like running department, adidas runners, the high panters etc. For other sports, check out USports. If your company has sports interest groups too then just join! 14) Check if your company has corporate rates for gyms. Could save you quite abit if you're alr thinking of signing up! Diet: 1) hydrate mostly w water. Bring a full water bottle out and refill wherever since sg tap water is fine. 2) working out more often will likely make you hungry easily, so stash aside some nuts for a healthy cheap snack. Buy no-brand ones weighed out for you at bugis market, or maybe wet markets near your home will have too. 3) research on whether popular supplements like protein shakes, BCAA etc will rly help in your workout. Quite likely you're not working out at the intensity that justifies buying such pro stuff. 4) no need to buy expensive healthy/clean food like daily cut/ommivore/whatever. Modify your favourite hawker food like more veg/less rice/whole grain, or try food prepping. I'm a cheapo lazy bum so i usually just go to a cai png stall that doesn't look too oily. 5) But if you really want actual healthy food, usual cheap food hacks apply too--shop at clearance aisles, use entertainer/burpple beyond apps. Im quite glad that Wafuken is on entertainer! 6) treat yourself when you're really craving for sth. Like, if you want a coke just do the normal coke, don't do coke light/zero cuz the satisfaction level is different. If you want a latte just do full cream milk cuz it's nicer and you're not saving very many calories by switching to skinny anw. You'll be miserable/angsty if you keep forcing yourself to eat clean all the time. Your healthy lifestyle should be one that's sustainable. Have fun!
  • Asked by Terng Shing Chen

    Leong Wen Fong
    Leong Wen Fong, Economics and Management at University of London
    118 Answers, 266 Upvotes
    Answered on 29 Oct 2018
    The simple and immediate solution is to eat healthier, exercise regularly, sleep properly. Just with these, I'm pretty sure you'll fall sick much less often, and thus save on the medical bills. If you really fall sick still, then make sure to go to a poly clinic (if you are a freelancing local) rather than private ones, even though the queue and the service there can be much better. Other than these, for illnesses that you may not be able to prevent, or accidents, being accidents, its definitely better to get your own insurance, and get it early. It's better to pay a small amount, to negate the risk of paying a huge amount, than save on the small payments, and if anything happens, end up having to pay a huge amount. This is especially true if you have people you are providing for, or just family memebrs. You wouldn't want your lack of coverage to cause them to have to pay your medical bills.
  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian

    Top Contributor (Dec)

    198 Answers, 292 Upvotes
    Answered on 30 Nov 2018
    There is no right or wrong in insuring for your loved ones. What is important is, is it affordable for you? If not, choose to downgrade (and at least they still have medical coverage) If you can afford, best to keep it. The type of care you want is dependent on how luxurious you want the care to be (private), or more affordable yet not compromising too much (A ward). If cost is still a concern, the minimum is the standard plan offered by all insurers.
  • Asked by Huang Yixuan

    Yong Kah Hwee
    Yong Kah Hwee

    Top Contributor (Dec)

    423 Answers, 580 Upvotes
    Answered on 29 Nov 2018
    I removed it during NS! It was paid for :)
  • Asked by Anonymous

    Jason Sin
    Jason Sin
    329 Answers, 420 Upvotes
    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.
  • Asked by Leong Wen Fong

    Yixiong Chang
    Yixiong Chang

    Top Contributor (Dec)

    170 Answers, 225 Upvotes
    Answered on 07 Nov 2018
    Yes, preventive care, is like insurance, spends some money upfront, but could possibly save a huge bill from happening and unnecessary pain and suffering. One of it I advocate is doing colonoscopy & gastroscopy. Colon cancer is one of the only cancer that can be prevented (to a large extend). Colon cancer being the number 1 killer for man and number 2 for women, it is a real issue. A preventive screening can be easily carried out. If anyone would like to know about/how endoscopy procedure, do contact me. Typically, if you have a full coverage hospitalisation insurance, the cost of the procedure could be covered. === Quote from MOH website: The majority of colorectal cancers arise from adenomatous polyps. Malignant transformation of adenomatous polyps (adenoma-carcinoma sequence) takes 5 to 10 years via multiple gene mutations. Adenomatous polyps are relatively asymptomatic. They are present in up to 25% of individuals at age 50 and the prevalence increases with age. Most polyps (90%) can be removed at colonoscopy, thereby precluding the need for surgery. Thus, colorectal cancer has a detectable premalignant phase (adenoma) and a relatively long duration of malignant transformation. Mortality from colorectal cancer can be reduced by screening asymptomatic individuals for the presence of adenomas and early cancers. Adenomatous polyps are largely asymptomatic. The process of malignant transformation takes a relatively long time. Screening for colorectal cancer: - prevents cancer by removing polyps at colonoscopy - detects early cancers with a good chance of a cure
  • Asked by Anonymous

    Jim Ng
    Jim Ng, Wealth Manager at Aviva Financial Advisers
    46 Answers, 114 Upvotes
    Answered on 28 Oct 2018
    The answer is simple: If you purchase Life Insurance, Disability Insurance or Critical Illness Insurance, they're all meant to protect against the loss of income as a result of you being unable to work. They're not meant to cover your hospital bills. Medical insurance is cheap, affordable and is able to cover your hospital bills. Only after covering your hosptial bills, then should you consider buying the rest of the other kind of insurance, since the other kinds of insurance are usually more expensive. Ask yourself this: How would you feel if you purchased a ton of life insurance, critical illness insurance and disability insurance, but if you were hospitalised due to an accident while still being alive, and are unable to make a claim of a single cent, does it sound logical to you?
  • Asked by Anonymous

    Lee Jin Fei Andre
    Lee Jin Fei Andre
    8 Answers, 22 Upvotes
    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.
  • Asked by Anonymous

    Hariz Arthur Maloy
    Hariz Arthur Maloy, Independent Financial Advisor at Promiseland Independent

    Top Contributor (Dec)

    246 Answers, 427 Upvotes
    Answered on 21 Oct 2018
    For general health checkups, once every year or two should be fine. Normal checkups at a GP would be about 40 to 80 bucks. Polyclinic cheaper. If you're female, I suggest to go for a full female screening yearly, this is to detect any female related illnesses. Check up at a private gynae could cost 600 to 800 or more. There's insurance that can cover this a fraction of the cost. Same for male specific ones but the checkups are less useful.
  • Asked by Anonymous

    HC Tang
    HC Tang, Financial Enthusiast, Budgeting at The Society

    Top Contributor (Dec)

    348 Answers, 845 Upvotes
    Answered on 28 Sep 2018
    Congratulations! :): For cash back with no caps, go for Amex True Cashback card. https://www.americanexpress.com/sg/content/true-cashback-card/?sourcecode=A0000EUPTJ&cpid=100301242&veid=sI3ZX35Kd%7cdcpcrid278583159244plidkwordamerican%20expressmatchepgrid35256418218ptaidkwd-19866590slidu5JGN5Av&gclid=EAIaIQobChMItOqpjnc3QIVFwSRCh2K9AHREAAYASACEgLpzfDBwE&gclsrc=aw.ds just nice, your medical / health expenses can be charge using the first 6 months, get 3% cash back, up to 5k. Hence you charge 5k to this card and get $150 for the first 6 month. Subsequent fee , you can charge $700 (min spending) with BOC family visa card, spend on medical / healthcare fee to get 5% cap at $40. So you can spend $800 to get $40 cash back. http://www.bankofchina.com/sg/bcservice/bc1/201605/t20160503_6891836.html T&C at: http://pic.bankofchina.com/bocappd/singapore/201803/P020180327710875490784.pdf With above 5k + $800 gets $150 + 40 = $190. Any other expenses you can continue to charge on the Amex True Cashback card since it has no caps and get 1.5% cash back. Alternatively you can charge also on Standard Chartered Unlimited Cash back card which gives also 1.5% cash back with no caps and other string of benefits. :) That should cover most of your hospital / healthcare spendings. Happy Parenting! :)
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