(24-01-2022, 05:54 PM)p1acebo Wrote:  I think most of us folks are on Eldershield 400?  Will you consider switching to Careshield? 

(24-01-2022, 05:54 PM)p1acebo Wrote:  I think most of us folks are on Eldershield 400?  Will you consider switching to Careshield? 

(24-01-2022, 05:56 PM)Bigiron Wrote:  Now eldershield 600 auto upgrade for eldershield400

(24-01-2022, 05:56 PM)Huliwang Wrote:  I only know if medishield. What is this eldershell 400?.....

(24-01-2022, 06:01 PM)p1acebo Wrote:   I think it is the disability thingie.  Cannot do 3 out of 6 ADL 

(24-01-2022, 06:06 PM)RichDad Wrote:  Avoid like the Omicron. It is a scam

(24-01-2022, 06:07 PM)Huliwang Wrote:  I guess it is not a compulsory thing. That's why I dun bother to know. As far as PAP arrange stuff, I try my best to avoid unless cannot escape due to compulsory......

(24-01-2022, 05:54 PM)p1acebo Wrote:  I think most of us folks are on Eldershield 400?  Will you consider switching to Careshield? 

(24-01-2022, 06:12 PM)p1acebo Wrote:  It's like if kena claim, Eldershield 400 will pay $400 for 72 months then afterthat nothing.  Careshield will pay you $600 a month (plus increment 2% yearly until the year claimed) but it is for life.  Some folks will wonder if cannot do 3 out of 6 ADL already half dead how to live 6 years.  But if they do the $400 will run out.  But Careshield will pay till he goes heaven.  Of course the premiums will be different lah.  Something like that.

(24-01-2022, 06:12 PM)p1acebo Wrote:  It's like if kena claim, Eldershield 400 will pay $400 for 72 months then afterthat nothing.  Careshield will pay you $600 a month (plus increment 2% yearly until the year claimed) but it is for life.  Some folks will wonder if cannot do 3 out of 6 ADL already half dead how to live 6 years.  But if they do the $400 will run out.  But Careshield will pay till he goes heaven.  Of course the premiums will be different lah.  Something like that.

(24-01-2022, 06:15 PM)p1acebo Wrote:  If got stroke, dementia, diabetes or other long term chronic conditions, the money will come in handy to offset like say employing a maid etc.  Of course having pte insurance is even better, but not everybody can consider this option.

(24-01-2022, 06:27 PM)Huliwang Wrote:  So what kind of premium one has to pay for all these shields? The premium for medishield alone plus integrated plan already robbed me of a couple of thousand dollars yearly and it keep increasing every 2 years as one age. 
I think the premiums alone will stress the healthy insured person and cause disabilities if he has to pay for the premiums of all the shields invented by PAP.. I think the govt shud provide budget for such insurance for free to the elderlies......

(24-01-2022, 06:27 PM)Huliwang Wrote:  So what kind of premium one has to pay for all these shields? The premium for medishield alone plus integrated plan already robbed me of a couple of thousand dollars yearly and it keep increasing every 2 years as one age. 
I think the premiums alone will stress the healthy insured person and cause disabilities if he has to pay for the premiums of all the shields invented by PAP.. I think the govt shud provide budget for such insurance for free to the elderlies......

(24-01-2022, 06:31 PM)RiseofAsia Wrote:  You forget CPF rules can Suka Suka change.
When they want to attract you to buy they will emphasize how good the scheme is?

It is very difficult to claim one hor.

(24-01-2022, 06:35 PM)p1acebo Wrote:  3 out of 6 ADLs 

(24-01-2022, 06:36 PM)RiseofAsia Wrote:  It is equivalent to bedridden?

(24-01-2022, 06:31 PM)RichDad Wrote:  Death is cheaper here

(24-01-2022, 06:32 PM)p1acebo Wrote:  There are currently discounts, they call it incentive discounts of $200 per policy year at least for the next 4 years.  Don't think it is that heavy because this is a national effort.  All the younger folks from age 30 are co-opted inside here from Dec 2021 onwards I think.  Cannot siam unlike our time for Eldershield.  The difference is Careshield is compulsory.  Our Eldershield is not.

(24-01-2022, 06:39 PM)p1acebo Wrote:  I think really half dead leow but still cannot die.  The financial burden is on our loved ones 

(24-01-2022, 06:34 PM)p1acebo Wrote:  I am also on those integrated shield plans.  Until recently can get reimbursed "as charged".  Now need to co-pay 5%

(24-01-2022, 06:43 PM)Huliwang Wrote:  How come you get reimburse and I kena pay full?..

(24-01-2022, 06:15 PM)p1acebo Wrote:  If got stroke, dementia, diabetes or other long term chronic conditions, the money will come in handy to offset like say employing a maid etc.  Of course having pte insurance is even better, but not everybody can consider this option.

(24-01-2022, 06:55 PM)Notdumb Wrote:  U wait loong loong to claim lah. Maybe u died liao still waiting.

For me I immediately cancel after 1 big news few yrs ago.

(24-01-2022, 06:52 PM)p1acebo Wrote:  Depends on size of batang 

paiseh, actually what I meant was that my policies will pay all charges (as charged).

(24-01-2022, 06:58 PM)Huliwang Wrote:  Oh, you mean reimburse the hospital bill ah? Knnah, I thought you get reimbursement for the premium paid to the underwriters.......

(24-01-2022, 06:57 PM)p1acebo Wrote:  What was the big news?  Anyway, if you hadn't recovered from your HA and were half dead, the money would come in handy