Comments on: Why You Must Get Your Hospitalisation Insurance Plan COMPLETE With The Rider…. http://www.helmihakim.com/insurance/why-you-must-get-your-hospitalisation-plan-complete-with-the-rider/ Investment Advice, Financial Planning, Singapore Sun, 11 Mar 2012 05:11:28 +0000 hourly 1 http://wordpress.org/?v=3.3.2 By: Jac http://www.helmihakim.com/insurance/why-you-must-get-your-hospitalisation-plan-complete-with-the-rider/comment-page-1/#comment-4030 Jac Mon, 17 May 2010 08:51:22 +0000 http://helmihakim.com/?p=3216#comment-4030 Hi, If base on above bill $970.87, even we add a rider, we still need to pay at least for deductible or co-insurance right? And I have a medishield and they exclude a current condition which did not re-lapse for past 4 years...thought of finding another insurer to get it included, do you think possible? Hi,
If base on above bill $970.87, even we add a rider, we still need to pay at least for deductible or co-insurance right?
And I have a medishield and they exclude a current condition which did not re-lapse for past 4 years…thought of finding another insurer to get it included, do you think possible?

]]> By: Helmi Hakim http://www.helmihakim.com/insurance/why-you-must-get-your-hospitalisation-plan-complete-with-the-rider/comment-page-1/#comment-3961 Helmi Hakim Mon, 09 Nov 2009 05:50:21 +0000 http://helmihakim.com/?p=3216#comment-3961 Hi Peter, You are right that with addition of NTUC Enhanced Incomeshield Assist Rider,client still has to pay for co-insurance subject to a caps limit of $3000. Which means, if the bill is $100,000, or even $500,000 for the preferred plan, client at most just need to pay only $3,000 out of the huge bills. The point of contention, I will like to bring about here, is regardless any hospitalisation plan, you choose to take, it is very important to get a rider to cover the deductible and co-insurance. Thanks. Hi Peter,

You are right that with addition of NTUC Enhanced Incomeshield Assist Rider,client still has to pay for co-insurance subject to a caps limit of $3000.

Which means, if the bill is $100,000, or even $500,000 for the preferred plan, client at most just need to pay only $3,000 out of the huge bills.

The point of contention, I will like to bring about here, is regardless any hospitalisation plan, you choose to take, it is very important to get a rider to cover the deductible and co-insurance. Thanks.

]]> By: Peter http://www.helmihakim.com/insurance/why-you-must-get-your-hospitalisation-plan-complete-with-the-rider/comment-page-1/#comment-3960 Peter Sun, 08 Nov 2009 14:49:10 +0000 http://helmihakim.com/?p=3216#comment-3960 Hi totally agreed on what you wrote. However currently if i am not wrong, there is still no 100% coverage even when you pay rider right? So you should at least ask them to purchase from other insurance company to have 100% coverage. In my case, i always ask my client who has existing condition to apply either from NTUC or Aviva because they are more likely to 'take' in due to the first 5 year clause thingy. Hi

totally agreed on what you wrote. However currently if i am not wrong, there is still no 100% coverage even when you pay rider right?

So you should at least ask them to purchase from other insurance company to have 100% coverage.

In my case, i always ask my client who has existing condition to apply either from NTUC or Aviva because they are more likely to ‘take’ in due to the first 5 year clause thingy.

]]>