Which IP would be good for my mum who is 62 this year with high blood pressure? We are mindful of the cost of premiums and riders as she age and she is looking at B1 coverage. Any advice?

I'm heartened by the fact that you are looking into an integrated shield plan for your mother. As a matter of fact, healthcare insurance is one of the most important type of insurance for anyone. This is because medical inflation has hit 10% in 2019. Consequently, a single medical cost could potentially wipe out an entire life savings.

More Details:

Integrated Shield Plan Singapore: A Starter's Guide

Integrated Shield Plan Rider Singapore: A Starter’s Guide

In truth, we all want the cheapest plan with the best benefits. However, insurers have been adjusting their premiums in the recent years and the cheapest plan today may not be so tomorrow.

With this purpose in mind, I will suggest for you to understand the value that the plan is able to provide for your mother. For instance, insurers are shifting their focus towards using their panel listing of doctors. This is in an attempt to control the rising medical cost and rogue medical treatment. Therefore, it is important to work with a reputable insurer that provides such strong support.

If you need a general comparison, then you can retrieve it from MOH's website. Feel free to reach out if you need specific advice.

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