Medishield for a pensioner

Dear Mr Tan
Can you advise if there is a need for a pensioner to purchase Medishield. As a pensioner, the medical scheme covers 85% of the medical charges. I am worried that it may come a time that I may not be able to pay the 15% medical charges if the amounts are very large.

REPLY
Frankly, I don't see why the bill should be so large. If the cost of treatment is really expensive, you can opt for B2 ward where the cost is capped. The 15% can be paid from Medisave savings. In fact, if you have a Shield plan, it is complicated (with deductible and co-payment) that it may not cover your 15% co-payment. So, you may be paying money for nothing.