Friday 27 December 2019

Integrated shield plan - To downgrade?

My mum has an integrated shield plan with NTUC Income and her annual premium just came this month. She had to pay in cash about $3000 plus.

To be honest, this amount scares her because it will continue to increase and she see the huge deduction from her bank account and of course, being a retiree with not that much savings, it can be quite frightening.

Read more: My mum resigned from her job, whats gonna happen next?

We were walking back home on Sunday after dinner and she was sharing with me that she is thinking of downgrading so that the premium will not be that high. She does have other insurance premiums that she is paying for but of course, they are not as much as this is.

For me, I do feel that downgrading will not be too good for her because I have heard of people downgrading and then something happens and they cannot claim for some things.

Insurance is really not something I am strong in and I know the basics of it but in-depth details are not that clear to me.

I would need to read up more and in the meantime, my mum wants to seek the opinion of her friends who are around the same age as her before she makes the decision.

9 comments:

  1. At the end of the day it boils down to affordability & CBA. How's the current health picture for your mum? What's the medical history of her immediate family?

    May want to go for A Class in restructured hospitals. All Shield plan insurers have also a standardised B1 Class plan that is meant for the average middle-class S'porean.

    Both A Class & B1 Class are allowed to request or specify particular doctors / specialists, as you're treated as "private" patients. Waiting times are also much reduced --- of course depending on case load & exigencies .... a construction worker with a life threatening accident will always take precedence over A Class patient with elective surgery that can wait another week or few days.

    If downgrade, always stick to the same insurer, so that any pre-existing conditions that developed after the initial purchase will still be covered. Get this confirmed in official writing from the insurer before downgrading.

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    Replies
    1. Hey, thanks a lot for the information. Really helps especially in keeping with the same insurer.

      Delete
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