Why should I get a Private/Class A ward ISP?

Hi Anon,

I think the main difference is the claim limits/ caps that lower tier policies have.

Usually the private and class A policies usually have the highest claim limit and also for most treatments, they are on a as charged basis rather than claim up to a certain amount.

So you might want to take a look at that as well.

My philosophy for healthcare insurance is very simple - get the best coverage that you can afford. After all, it is easier to downgrade than to upgrade. This is because the latter usually involves medical underwriting.

In your situation, you may wish to consider whether you prefer to have the option to seek treatment in private hospitals, or if you are comfortable with treatment in public hospitals only.

Additionally, you may wish to consider the ability to choose your own doctor, as well as the waiting time involved for treatment.

Without a doubt, you should also consider your affordability in the long term. With this in mind, it will be good to plan your cashflow to help you make a sound decision.

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