Downgrading hospitalisation insurance

[老曾记]

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.

[Imboredtodeath]

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+

[Imboredtodeath]

u reminded me i need to go review the policies that i have, which is minimal compared to u and most people

[jim889]

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.

just go cheng hoo c class nose need to worry..
they not enuff bed anyway sure free upgrade to B2 or B1
 

[老曾记]

u 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.

[老曾记]

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+

Our medisave is very under utilised.

[jim889]

Our medisave is very under utilised.

wait till chiu old then everyday craim medisave
 

[Arctic]

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

[老曾记]

wait till chiu old then everyday craim medisave
 

The govt put a lot of limits on medisave uses.

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

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.

[Arctic]

The 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

[老曾记]

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

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.

[jim889]

The 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
 

[老曾记]

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
 

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.

[Risa]

i downgraded by AIA rider last year coz too expensive

[Risa]

everything is so ridiculously expensive in sg