What is the difference between Medishield and Private plans?

There are still people who are mixed up with Medishield and the Privatised "Shield Plans" in the market.

Most of the Singaporeans/PRs have Medishield, and when you upgrade your plan to a private medical plan (e..g from AIA, NTUC or Great Eastern), you simply have better and higher benefits. The deductibles and co-insurances are a little higher if you prefer to go for private hospital healthcare (e.g. Gleneagles). The "Private Medical Plan" is stacked on top of the basic government "Medishield" plan. The intergration of the plans (Medishield and the Private Medical Plan) is done by the insurer and the government, so you don't have to worry too much about it.

For premiums, you only need to pay once/yearly to the insurer if you have upgraded your medical plan.

Early Payout Critical Care EPCC

Overview
Protect yourself with the first and only plan in Singapore that pays at the earlier stages of critical illness. Early-Payout CriticalCare is now the ONLY severity-based critical illness plan in Singapore that gives you a payout at the earlier stages of critical illness.

Key Benefits
Early-Payout CriticalCare provides coverage for a total of 60 medical conditions of different severity level from early to advance stages for 30 critical illnesses to ensure you are protected all the way.

The early release of funds allows you to seek medical treatment before a critical illness progresses to a more severe and advance stage. With the advantage of early financial support you can have peace of mind to focus solely on treatment and recovery.

[more at lifeisgreat.com.sg]

Questions or need more info?
Feel free to drop me an email at Melvin.Lkw[at]gmail.com

What Medisave Uses and Limitations

Medisave

You can use Medisave to pay your hospital bill as well as that of your immediate family, i.e. your spouse, children, parents or grandparents. If you are using your Medisave for your grandparents, they must be Singapore Citizens or Permanent Residents. During admission, you should inform the Admitting staff that you wish to use your Medisave to pay. You should also bring along your NRIC/Passport or your CPF membership card. You will need to sign a 'Consent to Release Medisave/Medishield Information' form to enable the hospital to access the information via the CPF Board system. You will also need to sign a Medisave Authorisation Form authorising the CPF Board to deduct from your Medisave Account to pay for the hospital bill. You may use your Medisave to pay for the hospital bill of non-immediate family members (ie, brother, sister, uncle, aunty, in-laws, niece and nephew), provided that the patient: Is a Singapore citizen or a Permanent resident Does not have a Medisave account Has immediate family members who do not have Medisave accounts and cannot afford to pay the hospital bill Is staying in a B2 or C class ward Is a dependant of the Medisave account holder Medisave cannot be used for the followings: Outpatient consultation fees, tests and investigations Charges for medical reports Expenditure on equipment, devices and appliances such as wheelchairs Private expenditures such as telephone calls, faxes and personal laundry Hospitalisation charges if hospitalisation is less than 8 hours, with the exception of day surgery cases Ambulance fees Rental of sleeper units There is also a withdrawal limit for the use of Medisave for selected outpatient treatment, eg. renal dialysis, ACP, chemotherapy, radiotherapy. For inpatient: The maximum Medisave withdrawal limit is $450 per day for each day of hospitalisation. The withdrawal limit for surgical procedures ranges from $150 to $5,000 depending on the types of surgical procedure. For day surgery: The withdrawal limit is $300 for hospital charges, while the withdrawal limit for surgical procedure range from $150 to $5,000. For maternity: With effect from 1 August 2004, Medisave can be used to pay for the hospitalisation charges for the delivery of the first four children. For the fifth and subsequent child, parents will need to have a combined Medisave balance of at least S$15,000 at the time of delivery to be eligible.

SupremeHealth (As Charged) - SHP

If only there is a hospitalisation plan that gives wider coverage and more premium discounts, and reimburses you fully for your medical bills. Yes, there is! SupremeHealth gives you so much more, it is clearly a comprehensive Shield plan for your whole family's health and medical needs. Not only will you enjoy a guaranteed lifetime cover, you can also use your Medisave to pay the premiums.

SupremeHealth is the ideal solution for guarding against hefty hospitalisation bills. Here's why this plan stands tall above all others.

Please click Benefit Table to enlarge picture

For brochures, quotations or questions, please click here to send email