Considering cost and coverage

Dear Mr.Tan:
I am considering to buy health insurance policy in singapore. I have done some research, I found that there are total 5 insurance company which have the medishield upgrade plan. Those are covering hospitalisation. out of 4 of the insurance company provide 100% cover for medical expense. and only NTUC-INCOME cover 90% of hospital bill.
How do you think the 100% cover and 90% cover? When we choose health insurance what should we need to take note?

REPLY
You should consider the premium that you have to pay as well. The difference between 100% cover age and 90% coverage is small. The difference in premium should not exceed 10%. Read my views about Shield coverage in www.tankinlian.com/ask.aspx (search for "Shield" or "Medishield.)