tag:blogger.com,1999:blog-8573620.post2411949203543348855..comments2023-09-21T18:48:51.070+08:00Comments on SimplyJesMe: The ultimate price comparison of Integrated Shield Plans (IP / Riders)Cofteahttp://www.blogger.com/profile/05192987265033253288noreply@blogger.comBlogger20125tag:blogger.com,1999:blog-8573620.post-67745222826738951952018-02-20T11:10:05.171+08:002018-02-20T11:10:05.171+08:00Hi there,
I agree, the attention you get makes a ...Hi there,<br /><br />I agree, the attention you get makes a big difference especially when one is in pain. I think for me I would still go for govt hospitals, and if worse come to worse, I would just pay extra to go private hospitals to be attended to immediately. That makes me covered but not as much and I don't have to pay higher premiums annually. <br /><br />That's just how I would do it, it's also ok to buy the private hospital policies, there is no right or wrong. In any case, thank you for sharing, this really help others consider more carefully! :)Jeshttps://www.blogger.com/profile/12519573577327538496noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-57285718433212741182018-02-19T15:51:32.385+08:002018-02-19T15:51:32.385+08:00Personally I've got admitted to both Governmen...Personally I've got admitted to both Government and Private hospital for severe slipped disc which causes me to be unable to move totally and had to call for an ambulance, as SCDF ambulance only sends us to the nearest Government hospital, i followed suit (I had Private A ward rider but didnt know much about ambulance).<br /><br />Upon arrival of the hospital, i was left aside for more than an hour, they refused to get me warded as it's not a life and death issues, refuses to give me an MRI scan (only MRI scan works for slipped disc) as it requires specialist's approval and i need to wait for weeks for an appointment. Please be reminded that i'm in pain and could not move, this is how i was treated. I requested for them to help to call an ambulance to transfer me to a private hospital instead and they refused it too as it's against their policies to call on behalf of patient for transfer and i had to call myself to get myself sent to private hospital.<br /><br />Upon arrival in the private hospital, i was attended to immediately, injected with pain killers, MRI scan scheduled for the night, surgery scheduled for the next day right after the doctor received the MRI report (within a day). There's really a huge different between government and private, it's not just about the beds, it's the way they treat you and willingness to admit you into the hospital unless you're really dying<br />Khttps://www.blogger.com/profile/15961714305111505724noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-34898370105951804592018-02-12T14:04:57.187+08:002018-02-12T14:04:57.187+08:00Hi mp3,
Appreciate that you took the time to than...Hi mp3,<br /><br />Appreciate that you took the time to thank me! So happy and it's people like you who makes me keep writing. Happy new year to you :)Jeshttps://www.blogger.com/profile/12519573577327538496noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-24357037778695804472018-02-11T18:45:33.892+08:002018-02-11T18:45:33.892+08:00Very informative. Thanks for taking your time comp...Very informative. Thanks for taking your time compiling.Anonymoushttps://www.blogger.com/profile/06567882693885206641noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-808464975930372142017-11-21T00:22:35.139+08:002017-11-21T00:22:35.139+08:00Hi Alyssa,
Oh, do check if my numbers are correct...Hi Alyssa,<br /><br />Oh, do check if my numbers are correct since you have the updated info! All the best and thanks for dropping by! :)Jeshttps://www.blogger.com/profile/12519573577327538496noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-39199033653882599672017-11-19T23:49:47.116+08:002017-11-19T23:49:47.116+08:00Hi Jes,
Thank you for the write up. I just joine...Hi Jes, <br /><br />Thank you for the write up. I just joined this industry not long and came across your blog and this is a good guide for me. Will be looking forward to your new post.<br /><br />Regards,<br />AlyssaAnonymoushttps://www.blogger.com/profile/08933242080756517123noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-64151725411965962032017-10-20T12:32:07.232+08:002017-10-20T12:32:07.232+08:00Hi Maggie,
Just nice recently there was this arti...Hi Maggie,<br /><br />Just nice recently there was this article on this patient who was unable to get into SGH and was burdened by the $78k bill (http://www.straitstimes.com/singapore/health/patient-could-not-get-place-in-sgh-hit-with-78k-bill). My personal newphew could not get a bed in B1 ward at NUH and had to stay in Ward A during the 2 days stay. I know it is a one-off example and not everyone will encounter such unlucky incidents. <br /><br />Anyway, I agree with you that the most basic plan is indeed sufficient. Hopefully I will not get to use my plan at all!Jeshttps://www.blogger.com/profile/12519573577327538496noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-62651881921826528592017-10-20T12:06:11.474+08:002017-10-20T12:06:11.474+08:00Jes, are you sure you will be denied a bed of your...Jes, are you sure you will be denied a bed of your choice in the restructured hospitals? I was of the opinion that the hospital puts a patient in a higher priced ward and move him/her to the desired ward when the beds become available.<br /><br />On a side note, I did a study on the availability of beds and average time a patient spends 3 years ago. As a whole, the number of beds are reduced yoy across all hospitals (private and public). A division head of a big private hospital confirmed our findings and that they evaluate occupancy rates every year. At the most 75-80% of beds are occupied during peak periods on average across all hospitals. There are various reasons for low occupancy, but the decision to choose A or private ward should not be based on unavailability of a chosen ward/bed .Maggienoreply@blogger.comtag:blogger.com,1999:blog-8573620.post-40260060962799977412017-10-20T00:48:54.453+08:002017-10-20T00:48:54.453+08:00Hi Maggie,
Thanks for sharing, it is always good...Hi Maggie, <br /><br />Thanks for sharing, it is always good to know about another's perspective. I am sure regardless of restructured or private hospitals and the different wards, we would have good medical care available.<br /><br />There have been instances where there are insufficient beds/wards for you to choose government hospitals or the wards that you prefer. It is well known that there is an existing bed crunch even with more hospitals being built. I am not advocating that you buy any policies but just so you know why some people would opt to pay more for other plans.<br /><br />I have also heard of instances where people go in and out of hospitals unfortunately, and thus a better plan would be more worth while for them. It is also suitable with people who have special health conditions or at greater risk of being hospitalised. I am glad your family is healthy and the best plan is to maintain a healthy lifestyle like yours!<br /><br />You have thought this through carefully and I see no reason why you should pay more too. For me, I think the difference of around $100 between Ward A and B1 is still acceptable but I would definitely re-consider as age catch up and the difference is larger. Appreciate that you gave me some good points to think about! :)Jeshttps://www.blogger.com/profile/12519573577327538496noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-73066480999617189692017-10-19T16:49:48.414+08:002017-10-19T16:49:48.414+08:00Jess,
In my opinion, private hospital or A ward i...Jess,<br /><br />In my opinion, private hospital or A ward is atas thing and definitely not worth paying for. As always, the basic plan (also in broadband) is the best for masses.<br /><br />I have NTUC + plus rider for everyone in my family. In last ten years, only once did my child in the whole family was hospitalized last week. As is natural, she was taken to KKH A&E, who would like to observe the child for 2 days. Choosing the ward under duress is difficult and stupid conversation during admission process, but unavoidable as the process has been institutionalized to compartmentalize patients.<br /><br />Also, all the restructured hospitals have an array of specialists who knows what they do and we should not be so concerned about who would treat us. <br /><br />I am happy with the basic plans and also would be perfectly fine if no other insurance exists other than medishield which protects on the maximum outlay from our own pocket.Maggienoreply@blogger.comtag:blogger.com,1999:blog-8573620.post-47435521841554096062017-10-11T22:27:36.340+08:002017-10-11T22:27:36.340+08:00Hi Derrick,
Omg I am so flabbergasted because nob...Hi Derrick,<br /><br />Omg I am so flabbergasted because nobody pointed it out after so long! I am so glad you noticed and not let me get even more embarrassed for this silly error. Seeing all the numbers have made me a bit blur and thus, I have made effort to double check them now. Supreme Health B is definitely cheaper than A plus!<br /><br />Thanks for being alert and notifying me, appreciate it very much~! :)Jeshttps://www.blogger.com/profile/12519573577327538496noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-69543428462218445452017-10-11T14:42:42.184+08:002017-10-11T14:42:42.184+08:00Hi Jes
Thanks for sharing.
are the some mistakes i...Hi Jes<br />Thanks for sharing.<br />are the some mistakes in above tables under GE columns?<br />Why are the rates under Supreme Health B plus more expensive than Supreme Health A plus?<br /><br />Thanks <br />Derrickdpang88https://www.blogger.com/profile/12730741599760147920noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-42044569409032342462017-09-15T23:58:01.769+08:002017-09-15T23:58:01.769+08:00Hi there,
Good to know! Well, Medisave is also o...Hi there, <br /><br />Good to know! Well, Medisave is also our money, hahaha. If you have also compared the terms and benefits too, please let us know as it will be very useful. I think instead of Supreme P Plus, I would rather go for Total Platinum Health Select + Health Connect, much cheaper.<br /><br />Anyway, thanks for sharing and comparing! :) Jeshttps://www.blogger.com/profile/12519573577327538496noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-88761053445130156992017-09-15T10:18:16.782+08:002017-09-15T10:18:16.782+08:00Hi,
I recently did a quick comparison of the prem...Hi,<br /><br />I recently did a quick comparison of the premiums as well. It was something similar to yours, however, my basis of comparison was purely the cash outlay while yours was a combination of medisave expenses + cash outlay.<br /><br />The conclusion was that Great Eastern Supreme P Plus + Platinum Select Rider has provided cheaper cash outlay when compared against NTUC Income Preferred Plan + Rider.<br /><br />Just for sharing ;)Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8573620.post-90361139562507385742017-05-22T11:36:15.913+08:002017-05-22T11:36:15.913+08:00Hi Cheryl,
Thanks for sharing this point. For me,...Hi Cheryl,<br /><br />Thanks for sharing this point. For me, the pre and post hospitalisation period is not the most important part. I would not want to pay more for a plan that can cover longer post hospitalisation. The bulk costs would be the stay in hospitals and the medical tests done there. That's only for me though, probably others can consider them depending on their situation.<br /><br />Appreciate the sharing!Jeshttps://www.blogger.com/profile/12519573577327538496noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-6511480676891664462017-05-21T13:49:26.246+08:002017-05-21T13:49:26.246+08:00You should also consider the pre and post hospital...You should also consider the pre and post hospitalisation period. Aia seems cheap on the surface but it's post hospitalisation is 100 days as compared to GE which is 180.. axa is 365 days Cherylhttps://www.blogger.com/profile/18313826120824472169noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-84021677466720299322017-05-18T09:59:15.650+08:002017-05-18T09:59:15.650+08:00Hi Anonymous,
Thank you for the sharing your know...Hi Anonymous,<br /><br />Thank you for the sharing your knowledge. It does makes me feel better having bought the Ward A policy in public hospitals. That means if the majority who bought the private hospital policies go only to private hospitals, then there is no priority to anyone. They will be attended to depending on the severity of their conditions.<br /><br />Whereas in public hospitals, at least staying in Ward A will get me some priority. This is also great information for us to buy riders for your parents/children just to get the priority, on top of the peace of mind for paying nothing for hospital bills.<br /><br />Appreciate this great information, thank you very much! Jeshttps://www.blogger.com/profile/12519573577327538496noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-53084275196444971522017-05-18T09:54:32.227+08:002017-05-18T09:54:32.227+08:00Hi Sgdividends,
Yep, pre-existing conditions are...Hi Sgdividends, <br /><br />Yep, pre-existing conditions are the main concern but luckily it's covered under MediShield Life. Anyway, I think there is no right or wrong. I personally feel paying for private hospitals is redundant, haha! This is because I just visited a friend staying in Ward A in NUH, it's really luxurious. I think it's definitely more than sufficient. For the specialist case, I can't comment since I am lucky not to have encountered them.<br /><br />If you really feel like upgrading to the preferred one soon, don't procrastinate anymore :)Jeshttps://www.blogger.com/profile/12519573577327538496noreply@blogger.comtag:blogger.com,1999:blog-8573620.post-20046768677656826832017-05-17T10:14:13.624+08:002017-05-17T10:14:13.624+08:00I worked in public hospitals. Yes, A-class patient...I worked in public hospitals. Yes, A-class patients have priority over B1, and B1 over B2 & C. In terms of scheduling appointments, surgery dates, etc.<br /><br />Only in a blue moon will a lower class patient override --- and that is if:<br />1) that patient requires immediate surgery for life or death situation.<br />2) no other qualified-enough specialist / surgeon.<br /><br />Of course if you insist on a popular & well-known specialist who already has a long list of hundreds of patients con-currently seeing him, then it will be challenging to always get dates that you want. Scheduling will have to be on seriousness of condition for each patient under that specialist. It's the same with specialist in private hospital.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8573620.post-26051461797380153822017-05-17T09:44:01.290+08:002017-05-17T09:44:01.290+08:00Thanks for sharing.
Have to make sure there is no...Thanks for sharing.<br /><br />Have to make sure there is no pre existing illness before one does a switch.<br /><br />Personally i feel paying insurance (advantage ntuc or the like) for A1 ward in public hospital is quite redundant.<br />Either the basic or private.<br /><br />The bottleneck is the specialist who are immediately available in private for surgery. Having advantage, u are just having a better ward with no priority for specialist, so better to get the cheapest one for public hospital.<br /><br />Im on the advantage ntuc now actually ...been procrastinating on upgrading to the preferred onesgdividendshttp://www.sgdividends.blogspot.sgnoreply@blogger.com