From Prudential Pruextra premier become pruextra premier lite. Cash outlay every mth from $100 become $50. Song dahhh.
At max if I go private wards. I just pay $1750 per yr. I think still can tank this cost.
the other day i went MRI i dunno but i think my policies not covered... need to go check
govt co-pay $600 or so i still need to pay $100+
they say revised charges MRI now medisave can only pay $300 (nurse at ttsh said), then dunno smlj what thing can cover
now my shoulder also feel pain, not so sure whether big issue or not if need to redo MRI another fucking $700+
u reminded me i need to go review the policies that i have, which is minimal compared to u and most people
Quote from: Isibeihaolian on Jan 09, 2025, 12:33 PMFrom Prudential Pruextra premier become pruextra premier lite. Cash outlay every mth from $100 become $50. Song dahhh.
At max if I go private wards. I just pay $1750 per yr. I think still can tank this cost.
just go cheng hoo c class nose need to worry..
they not enuff bed anyway sure free upgrade to B2 or B1
:flash:
Quote from: default on Jan 09, 2025, 01:13 PMu reminded me i need to go review the policies that i have, which is minimal compared to u and most people
Yes, minimally get a hospitalisation and disability income insurance. Accidents and critical illness can add on if got enough budget.
Quote from: default on Jan 09, 2025, 01:13 PMthe other day i went MRI i dunno but i think my policies not covered... need to go check
govt co-pay $600 or so i still need to pay $100+
they say revised charges MRI now medisave can only pay $300 (nurse at ttsh said), then dunno smlj what thing can cover
now my shoulder also feel pain, not so sure whether big issue or not if need to redo MRI another fucking $700+
Our medisave is very under utilised.
Quote from: Isibeihaolian on Jan 09, 2025, 03:47 PMOur medisave is very under utilised.
wait till chiu old then everyday craim medisave
:D
Private hospital once hit 50s or 60s medisave not able to cover the premiums, have to fork out cash
Downgrade to A so medisave can continue to cover the premiums
or
Downgrade to B if you want to save even more and dun mind sharing the room with other ppl
Quote from: jim889 on Jan 09, 2025, 04:13 PMwait till chiu old then everyday craim medisave
:D
The govt put a lot of limits on medisave uses.
Quote from: Arctic on Jan 09, 2025, 04:25 PMPrivate hospital once hit 50s or 60s medisave not able to cover the premiums, have to fork out cash
Downgrade to A so medisave can continue to cover the premiums
or
Downgrade to B if you want to save even more and dun mind sharing the room with other ppl
My next age is 37. Annual fee for riders full coverage is $1148. That's 100% private hosp coverage with many other miscellaneous benefits like TCM and health screening. Not planning to utilize these.
Cutting down to around $600/yr. If I ever hospitalized into private ward. I just need to pay $1750 max. I think it's very worth it. All the miscellaneous is not included.
Another 5-10 years later. I have to further downgrade to govt hospitalisation plan only. Will have to let go pte plan. My current downgraded plan, 10 years later also become quite exp.
I don't mind staying in B1. Don't wan to be totally alone in ward. But don't wan too crowded and noisy too.
Quote from: Isibeihaolian on Jan 09, 2025, 04:56 PMThe govt put a lot of limits on medisave uses.
My next age is 37. Annual fee for riders full coverage is $1148. That's 100% private hosp coverage with many other miscellaneous benefits like TCM and health screening. Not planning to utilize these.
Cutting down to around $600/yr. If I ever hospitalized into private ward. I just need to pay $1750 max. I think it's very worth it. All the miscellaneous is not included.
Another 5-10 years later. I have to further downgrade to govt hospitalisation plan only. Will have to let go pte plan. My current downgraded plan, 10 years later also become quite exp.
I don't mind staying in B1. Don't wan to be totally alone in ward. But don't wan too crowded and noisy too.
Yup, I'm thinking the same B1. B1 is 4 pax aircon room right? There is another 6 or 8pax B class ward
A ward a bit eerie especially at night alone
C is no aircon and even more ppl in same ward
Quote from: Arctic on Jan 09, 2025, 05:00 PMYup, I'm thinking the same B1. B1 is 4 pax aircon room right? There is another 6 or 8pax B class ward
A ward a bit eerie especially at night alone
C is no aircon and even more ppl in same ward
Yes b1 4 pax aircon. C class more chances to be very noisy and shoutings at night because most patients who has social issues usually goes C ward unless they can afford it. C wardmight have aircon depends how new the hospital.
Yes A ward can be eerie at night if alone.
Quote from: Isibeihaolian on Jan 09, 2025, 04:56 PMThe govt put a lot of limits on medisave uses.
My next age is 37. Annual fee for riders full coverage is $1148. That's 100% private hosp coverage with many other miscellaneous benefits like TCM and health screening. Not planning to utilize these.
Cutting down to around $600/yr. If I ever hospitalized into private ward. I just need to pay $1750 max. I think it's very worth it. All the miscellaneous is not included.
Another 5-10 years later. I have to further downgrade to govt hospitalisation plan only. Will have to let go pte plan. My current downgraded plan, 10 years later also become quite exp.
I don't mind staying in B1. Don't wan to be totally alone in ward. But don't wan too crowded and noisy too.
not chiur $$$$ of coz put limit to it la..
if it's chiur $$$ huai prevent chiu from using it
oso moi said just choose c class free upgrade to b1
:flash:
Quote from: jim889 on Jan 09, 2025, 06:37 PMnot chiur $$$$ of coz put limit to it la..
if it's chiur $$$ huai prevent chiu from using it
oso moi said just choose c class free upgrade to b1
:flash:
What if choose c class really land in c class? In fact many times I encounter the private rooms and B1 seems to be more easily occupied lei.
i downgraded by AIA rider last year coz too expensive
everything is so ridiculously expensive in sg
Quote from: Shiori on Jan 09, 2025, 08:29 PMi downgraded by AIA rider last year coz too expensive
Downgrade to what type of coverage ah? How much r u paying now?
Quote from: Isibeihaolian on Jan 09, 2025, 08:04 PMWhat if choose c class really land in c class? In fact many times I encounter the private rooms and B1 seems to be more easily occupied lei.
sure get the chance but chiur bill will be cheaper than chiu choosing higher crass bed
anyway c class wards aways full so free upgrade quite common.
:flash:
Many things are not covered by insurance when the time you are really sick. This will surprise you.
Quote from: stillgottheblues on Jan 10, 2025, 06:24 AMMany things are not covered by insurance when the time you are really sick. This will surprise you.
just go polyklinik get referal to horsepeter and stayed c crass ward sure affordable.. who can forget about the $9 heart surgery
:flash:
Quote from: Isibeihaolian on Jan 09, 2025, 08:34 PMDowngrade to what type of coverage ah? How much r u paying now?
cash is almost $600 for this year
i am on private hospital plan i think
Quote from: Shiori on Jan 10, 2025, 04:34 PMcash is almost $600 for this year
i am on private hospital plan i think
Why need to pay cash? It's the top tier but at your age, medisave should be able to cover 100% premiums
Quote from: Arctic on Jan 10, 2025, 05:46 PMWhy need to pay cash? It's the top tier but at your age, medisave should be able to cover 100% premiums
i got buy AIA plan + rider
After recent issues i think i might consider upgrading instead. Seems like going downhill
Quote from: default on Jan 10, 2025, 06:18 PMAfter recent issues i think i might consider upgrading instead. Seems like going downhill
lim peh nose insorance
:frown:
Quote from: Shiori on Jan 10, 2025, 06:15 PMi got buy AIA plan + rider
What kind of rider?
Quote from: default on Jan 10, 2025, 06:18 PMAfter recent issues i think i might consider upgrading instead. Seems like going downhill
You foresee yourself landing in hospital soon?
Quote from: Arctic on Jan 10, 2025, 06:40 PMYou foresee yourself landing in hospital soon?
dunno leh maybe
Quote from: Arctic on Jan 10, 2025, 06:40 PMWhat kind of rider?
AIA HealthShield Gold Max + AIA Max VitalHealth
Quote from: Shiori on Jan 11, 2025, 02:08 PMAIA HealthShield Gold Max + AIA Max VitalHealth
AIA HealthShield Gold Max is the private hospital plan?
AIA Max VitalHealth from what I googled is "a rider attached to AIA HealthShield Gold Max A that helps to keep out-of-pocket expenses to the minimum, while giving you control over your premiums."
Last time is "as charged" right? Means zero out of pocket charges
Mine is Great Eastern gov A ward + similar rider but my rider monthly $25+ only (yearly $300+)
Your rider is $600/yr?!
I polyclinic to ttsh mri also need 700+ for mri and only 300 can be used from medisave.
Then maybe here or there grant still need to pay
Medisave also our own $ leh
(https://external-content.duckduckgo.com/iu/?u=https%3A%2F%2Fcdn7.slideserve.com%2F12570724%2Fslide1-n.jpg&f=1&nofb=1&ipt=6917656d938eec61f67769cc15c38ccf2115af13b4d302740b1053653b38724c&ipo=images)
Quote from: Arctic on Jan 11, 2025, 02:27 PMAIA HealthShield Gold Max is the private hospital plan?
AIA Max VitalHealth from what I googled is "a rider attached to AIA HealthShield Gold Max A that helps to keep out-of-pocket expenses to the minimum, while giving you control over your premiums."
Last time is "as charged" right? Means zero out of pocket charges
Mine is Great Eastern gov A ward + similar rider but my rider monthly $25+ only (yearly $300+)
Your rider is $600/yr?!
cannot compare
coz mine is cover private hospital and lower (basically, cover everything from private to govt)
but if i downgrade my entire AIA plan to be similar as yours (gov A ward + relevant rider), my yearly cash payment is 238.36 for my age group
maybe i should downgrade completely right...?
Quote from: Shiori on Jan 09, 2025, 08:30 PMeverything is so ridiculously expensive in sg
expensive while employed staff sleep on their job
Quote from: default on Jan 09, 2025, 01:13 PMthe other day i went MRI i dunno but i think my policies not covered... need to go check
govt co-pay $600 or so i still need to pay $100+
they say revised charges MRI now medisave can only pay $300 (nurse at ttsh said), then dunno smlj what thing can cover
now my shoulder also feel pain, not so sure whether big issue or not if need to redo MRI another fucking $700+
Yea one year MRI/CT scan max $300.
Tbh why not just put it at $1000 each year, have to be so low $300 like purposely want to bleed us.
I don't believe in forking out more than $100 per month on insurance.
I only use GE Supremehealth via my medisave and around $50 on Aviva term, critical illness and rider.
Don't understand my friend 4 digits per month just for insurance.
My policy ish b1 gahment hosp only with ntuc income whole year 500+ for moi age grp
Parent age grp about 1k each for 60s
Inpatient only..
Very cheap and i cannot afford pte oso
Quote from: Joe Maya on Jan 12, 2025, 05:51 AMI don't believe in forking out more than $100 per month on insurance.
I only use GE Supremehealth via my medisave and around $50 on Aviva term, critical illness and rider.
Don't understand my friend 4 digits per month just for insurance.
Me too unless ish all insorlan like car insorlan , health insorlan, accident insorlan, crit illness, hdb insorlan all add tgt then maybe
Quote from: Joe Maya on Jan 12, 2025, 05:51 AMI don't believe in forking out more than $100 per month on insurance.
I only use GE Supremehealth via my medisave and around $50 on Aviva term, critical illness and rider.
Don't understand my friend 4 digits per month just for insurance.
bai insorance is rike bai 4d or toto mah..
chiu get the pay out when the event happen..
just rike why ppl buyed 4d or toto .. 有买有希望
:flash: