Choosing options in a Shield plan

Dear Mr. Tan,

My family is covered under Incomeshield Plan B. Should we:
a) Buy an Assist Rider
b) Convert the existing plan to Enhanced Incomeshield Basic

REPLY
Please read this FAQ:
http://www.tankinlian.com/faq/shield.html

If you are insured fro Plan B, which is treated in government B1 ward, it should be sufficient. I think that there is no need to upgrade to Enhanced Plan Basic (which covers "as charged"), as the difference in coverage is small.

Perhaps you can ask the insurance agent or the office to give practical examples of the difference in coverage between these two plans, based on a sample of hospitalisation in B1 ward.

The Assist rider covers the Deductible. I think that this is not necessary. You can self-insure this risk and pay the Deductible from your Medisave account. I am not sure if the premium charged gives good value to the policyholder.