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Anonymous

25 Aug 2019

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Insurance

What's the main difference between government and private hospital in terms of waiting time, doctors .etc?

Is it true that private hospitals will offer better doctors? I'm choosing between 2 hospitalization plans where admission to a government hospital will save me $777 per year or more. Both of the plans offer full coverage. Appreciate the help.

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Coming from the perspective of someone who just visited Parkway East today for a fractured foot (bringing literal meaning to #breakaleg), this one-off experience has not been superb for me AND I was finding myself wondering if I would have had a better experience at a polyclinic.

  • Because of Sunday charges, it was an additional $120 for each X-ray, just because it's a Sunday

  • It was still a fairly long wait. In fact, every time when things started moving was when we asked them how much longer we had to wait. Only then, they would attend to us. For that, I prefer polyclinics because at least there is more visibility on waiting times
    That said, I recall having to bring my mum to CGH and Parkway East on two separate occasions. The latter was a much more pleasant experience for her; whereas, in CGH, we were staring at a cockroach loitering down the hallway.
    On a more serious note, I feel that better doctors ARE IMPORTANT in the more complex illnesses. Eg. neurologists, oncologists etc. And from what I see, I find that the better ones tend to be in private practice.
    Happy to hear more perspectives!

Had some experiences at both public and private hospitals due to my family's medical condition, here's what I think about the pros and cons.

Time with Doctor/Private vs Public care

-Private practice doctors tend to spend more time explaining the patient's condition (usually more detailed) and are more readily contactable.

-Private Nurses also tend to be more experienced both in terms of medical knowledge and degree of care (hospitality)

-In comparison, public hospitals tend to be crowded (understaffed nurses) and senior doctors are usually not readily reachable apart from their daily morning rounds. Its common for medical students, junior doctors as well as nurses repeating the same questions to patients with nothing being done in between apart from waiting for procedures or decision from senior doctors (e.g. Do you feel pain? on a scale of 1-10 how much pain? ..... it can be rather annoying when you are in pain. )

Waiting Time

-Typically no/low waiting time in private hospitals compared to public hospitals. Worse for non-life-threatening conditions

General environment

-Private hospitals tend to have fewer beds per room (probably max 2), sometimes it can get rather rowdy in a public ward

Lastly, on the additional $777 premium for private hospitalisation coverage, believe in the event you opt to ward in a public hospital despite having private hospitalisation insurance, you do get some cash rebates from the insurer. Hope the above helps.

Loh Tat Tian

22 Aug 2019

Founder at PolicyWoke (We Buy Insurance Policies)

I doubt any plans give you full coverage currently. Because of the co-payment scheme currently requi...

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