[p1acebo]

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......

I am also on those integrated shield plans.  Until recently can get reimbursed "as charged".  Now need to co-pay 5%