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SINGAPORE HEALTH INSURACE COMPARISON - PRIVATE HOSPITALS

Table 4: Comparison of Private Integrated Shield Plans for Private Hospitals

 

 

NTUC Income

 

 

 

 

 

 

 

 

Enhanced

 

 

 

Great Eastern

 

 

 

NTUC Income

IncomeShield Plan

AIA HealthShield

AIA HealthShield

AIA HealthShield

SupremeHealth Plan

Prudential PruShield

Aviva MyShield Plan

Benefits

IncomeShield Plan P

Preferred

Gold Prestige

Gold Elite*

Gold Max (Plan 1)

P Plus

Plan A Premier

1

Inpatient and Day Surgery:

 

 

 

 

 

 

 

 

Daily ward and treatment charges

1,600

As Charged

1,700

As Charged

As Charged

As Charged

As Charged

As Charged

Daily ward and treatment charges in ICU

2,200

As Charged

3,600

As Charged

As Charged

As Charged

As Charged

As Charged

Surgery

1050 - 14,100

As Charged

As Charged

As Charged

As Charged

As Charged

As Charged

As Charged

Surgical Implants and approved medical consumables

14,000

As Charged

5,000

As Charged

As Charged

As Charged

As Charged

As Charged

Gamma Knife

15,600

As Charged

16,000

As Charged

As Charged

As Charged

As Charged

As Charged

 

 

 

 

 

 

 

 

 

Outpatient Treatment:

 

 

 

 

 

 

 

 

Kidney Dialysis

3,000/mth

As Charged

36,000/yr

As Charged

As Charged

As Charged

As Charged

As Charged

Cancer treatment:

 

 

 

 

 

 

 

As Charged

Radiotherapy

600/day

 

500/day

 

 

 

 

 

Chemotherapy

3,500/mth

As Charged

36,000/yr

As Charged

As Charged

As Charged

As Charged

As Charged

Immunotherapy

2,000/mth

24,000/yr

 

 

 

 

 

 

Stereotactic Radiotherapy

5,000

 

4,000/treatment

 

 

 

 

 

Immunosuppressants for organ transplant

1,000/mth

As Charged

7,200/yr

As Charged

As Charged

As Charged

As Charged

As Charged

Erythropoietin

1,000/mth

As Charged

7,200/yr

As Charged

As Charged

As Charged

As Charged

As Charged

 

 

 

 

 

 

 

 

 

Additional Benefits Limits:

 

 

 

 

 

 

 

 

 

 

 

 

100,000/yr

100,000/yr

 

 

Additional 150,000/yr

 

 

 

 

 

 

(for Heart Attack,

 

 

 

 

(for 30 Critical

(for 30 Critical

 

 

 

 

 

 

 

 

Major Cancer, Stroke,

 

 

 

 

Illnesses)

Illnesses)

 

 

 

 

 

 

 

 

End Stage Lung

 

 

 

 

(See Note (3))

(See Note (3))

 

 

 

 

 

 

 

 

Disease, End Stage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liver Disease)

Critical Illnesses

-

-

-

 

 

-

-

(See Note (3))

Major Organ Transplant

-

As Charged

-

As Charged

As Charged

As Charged

As Charged

As Charged

 

 

 

 

5,000/policy

 

 

 

 

 

 

 

 

(after 10 mths waiting

 

 

 

As Charged

Inpatient Psychiatric Treatment

5,000/yr

5,000/yr

-

period)

5000/yr

6,000/yr

-

(Up to 60 days)

 

 

 

50,000 /yr

 

 

 

 

 

 

 

 

150,000/lifetime

 

 

 

 

 

Extra Cancer Coverage

-

-

(See Note (3))

-

-

-

-

-

 

 

 

 

 

 

 

 

Yes, under Plan 2 (if

 

 

 

 

 

 

 

 

both parents take up

 

 

 

 

 

 

 

 

plan 1 or 2)

Free coverage for child(ren) below 20 years old

-

-

-

-

-

-

-

(See Note (6))

 

7,000/yr

As Charged

 

As Charged

As Charged

 

As Charged

As Charged

Pregnancy Complications Benefit

(for selected

(for selected

 

(for selected

(for selected

As Charged

(for selected

(for selected

(after 10 mths waiting period)

conditions only)

conditions only)

-

conditions only)

conditions only)

 

conditions only)

conditions only)

 

 

 

 

 

5000/per child up to

 

 

 

 

 

 

 

5,000/policy for the

20,000/lifetime for the

 

 

 

 

 

 

 

first 12 mths of birth of

first 24 mths of birth

 

 

 

Congenital Abnormalities Benefit for Insured's Biological

 

 

 

child (after 12 mths

(after 10 mths waiting

 

 

 

Child (for female insured)

-

-

-

waiting period)

period)

-

-

-

Congenital Abnormalities Benefit for Insured

 

 

 

 

 

 

 

 

(after 24 mths waiting period)

10,000/yr

As Charged

-

-

As Charged

As Charged

As Charged

As Charged

 

1,600/day

As Charged

 

As Charged

As Charged

 

 

As Charged

Confinement in Community Hospital

(up to 45 days)

(up to 90 days)

-

(up to 45 days)

(up to 45 days)

325/day

As Charged

(up to 45 days)

Living Donor Organ Transplant (Insured as the Living

 

 

 

 

 

 

 

 

Donor donating an organ)

 

 

 

 

 

 

 

 

(after 24 mths waiting period) (see Note (5))

-

60,000/transplant

-

-

60,000/transplant

50,000/ transplant

-

50,000/ lifetime

Living Donor Organ Transplant (Non-insured donating an

 

 

 

 

 

 

 

 

organ to Insured)

 

 

 

 

 

 

 

 

(see Note (6))

-

-

-

-

60,000/transplant

-

-

-

 

 

 

 

 

 

 

 

 

Other Policy Features

 

 

 

 

 

 

 

 

Proration factors

-

-

-

-

-

-

-

-

Proration factors for Private Outpatient Clinics (Cancer and

 

 

 

 

 

 

 

 

Dialysis Treatment)

-

-

-

-

-

-

-

-

 

 

 

 

 

 

 

Class C - 1,000,

 

 

Class C - 1,000,

Class C - 1,000,

 

Class C - 1,000,

Class C - 1,000,

Class C -1,000

Class B2/day surgery

Class C - 1,000,

 

Class B2 - 1,500,

Class B2 - 1,500,

 

Class B2 - 1,500,

Class B2 - 1,500,

Class B2 -1,500

(subsidised) - 1,500,

 

 

Class B2 - 1,500,

 

Class B1 - 2,000,

Class B1 - 2,000,

 

Class B1 - 2,000,

Class B1 - 2,000,

Class B1 -2,000

Class B1/day surgery

 

3000

Class B1 - 2,000,

 

Class A and private

Class A and private

Class A and private

Class A and private

Class A and private

(non-subsidised) -

 

(See Note (1))

Class A and private

 

hospital - 3,000

hospital - 3,000

hospital - 3,000

hospital - 3,000

hospital - 3,000

2,000,

 

 

hospital - 3,000

 

Day Surgery - 3,000

Day Surgery - 3,000

 

Day Surgery - 2,000

Day Surgery - 2,000

Day Surgery - 3,000

Class A and private

 

 

(See Note (1))

 

(See Note (1))

(See Note (1))

 

(See Note (1))

(See Note (1))

(See Note (1))

hospital - 3,000

 

 

 

 

 

 

 

 

 

 

(See Note (1))

 

Deductibles (Per Policy Year)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

10%

Co-insurance

10%

10%

20%

10%

10%

10%

10%

(max $25,500/yr)

Policy Year Limit

260,000

600,000

400,000

500,000

500,000

500,000

500,000

650,000

Lifetime Limit

Unlimited

Unlimited

10,000,000

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

Final Expense Benefit (Note (2))

5,000

5,000

-

2,000/policy

3000/per policy

7,000

5,000

1,000

 

 

 

 

 

 

 

 

 

Last Entry Age

75

75

75

75

75

75

75

75

Maximum Coverage Age

Lifetime

Lifetime

Lifetime

Lifetime

Lifetime

Lifetime

Lifetime

Lifetime

 

 

 

 

 

 

 

 

 

Total Premium for Singaporean Policyholder (Rounded to nearest $)

 

 

 

 

 

 

 

Age Next Birthday:

 

 

 

 

 

(See Note (4))

(See Note (4))

 

1 to 30

119

131 - 142

123

150

159 - 173

141 - 158

131 - 142

143 - 159

31 to 40

183

208

193

214

236

207

205

241

41 to 50

348

412

389

424

467

410

412

447 - 481

51 to 60

559

717

614 - 662

736 - 795

798 - 900

752

759 - 778

717 - 800

61 to 65

1,002

1,186

964

1,108

1,353

1,087

1,151

1,225

66 to 70

1,435

1,715

1,597

1,677

1,833

1,656

1,713

1,761

71 to 73

2,005

2,392

2,084

2,250

2,474

2,294

2,302

2,525

74 to 75

2,378

2,833

2,294

2,523

2,771

2,694

2,700

2,965

76 to 78

2,847

3,393

3,208

3,368

3,709

3,746

3,615

4,123

79 to 80

3,285

3,918

3,208

3,785

4,165

3,894

3,716

4,123

81 to 83

3,767

4,822

3,730

4,289

4,673

4,657

4,979

5,740

84 to 85

4,246

5,283

4,022

4,625

5,046

5,362

5,542

5,963

Premium at max coverage age

6,237

7,600

5,583

7,035

7,879

7,931

7,227

6,732

* This plan is no longer offered to new members. Existing members may continue to renew their policies.

Note (1): (a) For GE's SupremeHealth Plan, the deductible applicable for policyholders after the age of 85 will be raised by $1,000 of the above listed deductible.

(b)For GE's SupremeHealth Plus Plan, the deductible applicable for policyholders after the age of 85 will be 150% of the listed deductibles.

(c)For AIA Plans, the deductible applicable for policyholders after the age of 82 will be raised by 150% of the listed deductibles.

(d)For Prudential PruShield A Plus and PruShield A Premier, the deductible applicable for policyholders after the age of 85 will be 150% of the above listed deductible.

(e)For NTUC IncomeShield Preferred Plan/Plan P, the deductible applicable for policyholders after the age of 80 is as follows: Class C - $2,000, Class B2 - $3,000, Class B1 - $3,000, Class A and pte hosp - $4,500, Day Surgery - $4,500

(f)For Aviva's MyShield Plan, the deductible applicable for policyholders after the age of 80 will be 150% of the listed deductibles.

Note (2): Final Expense Benefit refers to the waiver of the deductible and co-insurance up to the stipulated amounts in the event of the insured's death during hospitalisation or within a stipulated period after discharge from hospital subject to the conditions as stipulated by the insurer.

Note (3): AIA's extra cover for Cancer and 30 Critical Illnesses Benefit and Aviva's 5 Critical Illnesses Benefit is provided over and above the Overall Policy Year Limit and the Overall Lifetime Limit. Note (4): (a) GE's SupremeHealth Plan P Plus premiums listed are rounded up to the nearest dollar and include a 5% premium discount.

(b) For PruShield A Premier, foreigners not related to Singaporeans and PRs will be subjected to higher premium rates

Note (5): The recipient's kidney or liver failure must be first diagnosed after 2 years from the commencement/ reinstatement/ last upgrading date of the policy.

For GE and Aviva plans, the living organ donor transplant applies for kidney and liver transplants only, where the recipient must be a family member (parents, siblings, children or spouse) of the Life Insured.

Note (6): Expenses incurred by the non-insured living donor shall only be reimbursed under the Living Organ Donor Benefit if the living donor is not eligible to be reimbursed under MediShield, Medisave-approved Integrated Shield Plans or any other insurance plans for the organ donation.

Note (7): Aviva's free coverage of child(ren) below 20 years old is only limited to the first four children of members with effect from 1st September 2010. An insured person who is already insured under this benefit will continue to be covered for free subject to the terms and conditions of this benefit.

The premiums payable are based on your age next birthday and may increase as members enters into the next age band The annual Medisave withdrawal limits for Medisave-approved Integrated Shield policies are:

(a)$800 per policy year, where the insured person is less than 81 years of age at his next birthday on date of policy commencement/renewal

(b)$1,150 per policy year, where the insured person is 81 or more years of age at his next birthday on date of policy commencement/renewal