<![CDATA[All About Health Insurance]]>Original Title: Any good AVIVA agent to recommend?


Intend to purchase the Healthshield plan where both my kids can be FOC should both me and my hubby are covered. Wonder if you have any good and reliable AVIVA agent that you can recommend to me. Thanks much! :love:

]]>https://forum.kiasuparents.com/topic/1924/all-about-health-insuranceRSS for NodeFri, 01 May 2026 12:36:27 GMTFri, 06 Feb 2009 00:35:15 GMT60<![CDATA[Reply to All About Health Insurance on Sun, 18 Feb 2024 09:59:14 GMT]]>

starlight1968sg\" post_id=\"2129296\" time=\"1708218182\" user_id=\"14025:

For mums whose children are already working, besides the H&S (medishield or private shield), do they have other medical insurance plans like Critical Illness plans etc?
Thank you.
Term life, critical illness and early critical illness (all in the same policy). You can shop around different insurance companies for these. It's good to get young people to buy these before they develop health conditions which would increase the premiums or result in exclusions.

The rationale is that term life insurance is cheap and gives the best value for money protection for the family. Early critical illness cover is very useful as many early tests and treatments can be expensive, but will help prevent more serious illness down the road. And critical illness cover is for serious illness if it happens.

]]>https://forum.kiasuparents.com/post/2129313https://forum.kiasuparents.com/post/2129313Sun, 18 Feb 2024 09:59:14 GMT<![CDATA[Reply to All About Health Insurance on Sun, 18 Feb 2024 01:03:02 GMT]]>For mums whose children are already working, besides the H&S (medishield or private shield), do they have other medical insurance plans like Critical Illness plans etc?

Thank you.

]]>https://forum.kiasuparents.com/post/2129296https://forum.kiasuparents.com/post/2129296Sun, 18 Feb 2024 01:03:02 GMT<![CDATA[Reply to All About Health Insurance on Thu, 17 Aug 2023 02:43:19 GMT]]>if you have an insurance agent that you trust, then it is a safe option to go with! however, if you are at the researching stage, i suggest you compare different health insurance plans to see which plan is most worth it for your child. i compared the health insurance plans using moneysmart and it gave about 5-7 options which definitely helped quicken the research time 😄


link: https://www.moneysmart.sg/health-insurance

]]>https://forum.kiasuparents.com/post/2116489https://forum.kiasuparents.com/post/2116489Thu, 17 Aug 2023 02:43:19 GMT<![CDATA[Reply to All About Health Insurance on Tue, 08 Aug 2023 04:58:41 GMT]]>What ever you choose, be sure to read all the terms and conditions beforehand properly. They tend to hide alot of things

]]>https://forum.kiasuparents.com/post/2115868https://forum.kiasuparents.com/post/2115868Tue, 08 Aug 2023 04:58:41 GMT<![CDATA[Reply to All About Health Insurance on Mon, 07 Aug 2023 01:57:42 GMT]]>

starlight1968sg\" post_id=\"2115718\" time=\"1691372117\" user_id=\"14025:

I review my insurance plans usually at the end of each year.
Wow... I don't have this dedication. So I just keep myself as healthy as possible. If I have another stroke, well, goodbye 🙂

]]>https://forum.kiasuparents.com/post/2115729https://forum.kiasuparents.com/post/2115729Mon, 07 Aug 2023 01:57:42 GMT<![CDATA[Reply to All About Health Insurance on Mon, 07 Aug 2023 01:35:17 GMT]]>

Legin\" post_id=\"2115686\" time=\"1691312969\" user_id=\"202373:

Do you mean health insurance or all kind if insurance?
Why the more the merrier?
I review my insurance plans usually at the end of each year.

]]>https://forum.kiasuparents.com/post/2115718https://forum.kiasuparents.com/post/2115718Mon, 07 Aug 2023 01:35:17 GMT<![CDATA[Reply to All About Health Insurance on Sun, 06 Aug 2023 14:56:15 GMT]]>Is there term insurance for hospitalisation?


What do you buy for your young kids?

]]>https://forum.kiasuparents.com/post/2115697https://forum.kiasuparents.com/post/2115697Sun, 06 Aug 2023 14:56:15 GMT<![CDATA[Reply to All About Health Insurance on Sun, 06 Aug 2023 09:09:29 GMT]]>

starlight1968sg\" post_id=\"2059886\" time=\"1645754753\" user_id=\"14025:

I do review regularly.
Insurance is always the more the merrier but we have limited budget.
Do you mean health insurance or all kind if insurance?
Why the more the merrier?

]]>https://forum.kiasuparents.com/post/2115686https://forum.kiasuparents.com/post/2115686Sun, 06 Aug 2023 09:09:29 GMT<![CDATA[Reply to All About Health Insurance on Sun, 06 Aug 2023 09:06:21 GMT]]>

starlight1968sg\" post_id=\"1988406\" time=\"1596033384\" user_id=\"14025:

Insurance is a transfer of risk. We pay to hope we don't need to receive the payout
Well said.

When one bought, and did not do any claim, his joy level should be high knowing he is in the pink of health.
Dont be unhappy about it.

On the other hand, if one had to be hospistalised, just also be happy that you have bought and do not get to come out from your own pocket.

When one buy health insurance as the name said \"HEALTH\" do not compute too much the gain or loss.

Get a plan that is competitive and you can afford it.

]]>https://forum.kiasuparents.com/post/2115685https://forum.kiasuparents.com/post/2115685Sun, 06 Aug 2023 09:06:21 GMT<![CDATA[Reply to All About Health Insurance on Tue, 30 Aug 2022 07:58:20 GMT]]>S'pore private health insurance premiums on the rise as claims and costs tick up


https://www.straitstimes.com/business/economy/spore-private-health-insurance-premiums-on-the-rise-as-claims-and-costs-tick-up

]]>https://forum.kiasuparents.com/post/2080367https://forum.kiasuparents.com/post/2080367Tue, 30 Aug 2022 07:58:20 GMT<![CDATA[Reply to All About Health Insurance on Fri, 25 Feb 2022 10:26:52 GMT]]>

starlight1968sg\" post_id=\"2059886\" time=\"1645754753\" user_id=\"14025:

I do review regularly.
Insurance is always the more the merrier but we have limited budget.
yes, but i realised a lot of people doesn't do such reviews

]]>https://forum.kiasuparents.com/post/2059941https://forum.kiasuparents.com/post/2059941Fri, 25 Feb 2022 10:26:52 GMT<![CDATA[Reply to All About Health Insurance on Fri, 25 Feb 2022 02:05:53 GMT]]>

Vitamin M\" post_id=\"2059884\" time=\"1645754622\" user_id=\"197093:[quote=\"Vitamin M\" post_id=2059884 time=1645754622 user_id=197093]
i wonder how many really review all the insurances they bought over the years, and realised they actually don't need that many policies or are paying for something that they don't really need[/quote]
I do review regularly.
Insurance is always the more the merrier but we have limited budget.

]]>https://forum.kiasuparents.com/post/2059886https://forum.kiasuparents.com/post/2059886Fri, 25 Feb 2022 02:05:53 GMT<![CDATA[Reply to All About Health Insurance on Fri, 25 Feb 2022 02:03:42 GMT]]>i wonder how many really review all the insurances they bought over the years, and realised they actually don’t need that many policies or are paying for something that they don’t really need

]]>https://forum.kiasuparents.com/post/2059884https://forum.kiasuparents.com/post/2059884Fri, 25 Feb 2022 02:03:42 GMT<![CDATA[Reply to All About Health Insurance on Thu, 06 Jan 2022 08:57:56 GMT]]>Hi,


Is there any experienced non-pushy prudential advisor here? Would like to have some quotations. Please pm. Thanks!

]]>https://forum.kiasuparents.com/post/2054947https://forum.kiasuparents.com/post/2054947Thu, 06 Jan 2022 08:57:56 GMT<![CDATA[Reply to All About Health Insurance on Thu, 09 Dec 2021 19:49:48 GMT]]>Which is the best critical health insurance for Adults & Teenagers?

]]>https://forum.kiasuparents.com/post/2051194https://forum.kiasuparents.com/post/2051194Thu, 09 Dec 2021 19:49:48 GMT<![CDATA[Reply to All About Health Insurance on Wed, 29 Jul 2020 14:36:24 GMT]]>Insurance is a transfer of risk. We pay to hope we don’t need to receive the payout

]]>https://forum.kiasuparents.com/post/1988406https://forum.kiasuparents.com/post/1988406Wed, 29 Jul 2020 14:36:24 GMT<![CDATA[Reply to All About Health Insurance on Thu, 12 Mar 2020 02:50:42 GMT]]>I also need to fix my health insurance for my kids xD

]]>https://forum.kiasuparents.com/post/1966700https://forum.kiasuparents.com/post/1966700Thu, 12 Mar 2020 02:50:42 GMT<![CDATA[Reply to All About Health Insurance on Tue, 18 Feb 2020 12:43:22 GMT]]>What’s MediAid? We don’t do this in SG. Guess u can’t hv yr cake & eat it.

]]>https://forum.kiasuparents.com/post/1963940https://forum.kiasuparents.com/post/1963940Tue, 18 Feb 2020 12:43:22 GMT<![CDATA[Reply to All About Health Insurance on Fri, 07 Feb 2020 01:56:21 GMT]]>My whole family is on NTUC Insurance


I heard if you went to army, they let you sign up with Aviva for a cheap price, some of my friends are still using it till this day

]]>https://forum.kiasuparents.com/post/1962456https://forum.kiasuparents.com/post/1962456Fri, 07 Feb 2020 01:56:21 GMT<![CDATA[Reply to All About Health Insurance on Fri, 20 Dec 2019 09:33:25 GMT]]>

hercules\" post_id=\"1952047\" time=\"1575714247\" user_id=\"14947:

Estéema\" post_id=\"1951909\" time=\"1575634359\" user_id=\"66413:


Which insurer offering cheaper but covers “as charge”? Any idea?


Stick to NTUC if your kids are having it coz they are the more conscientious in the market. Some may appear cheaper now but years down the road, their increments may (likely to) surpass NTUC (that i ever researched and spoke to several 'market people' to know they priced competitively). I think there's another round of premium increment coming soon.

NTUC's pool of clients is big enough and so it has more stability in maintaining premium in a way.

I do agree with you on NTUC realiabilty and competitive costing. What I appreciate most importantly is it’s “as charged” payout. Hope coming increases is affordable.

]]>https://forum.kiasuparents.com/post/1954457https://forum.kiasuparents.com/post/1954457Fri, 20 Dec 2019 09:33:25 GMT<![CDATA[Reply to All About Health Insurance on Sat, 07 Dec 2019 10:24:07 GMT]]>

Estéema\" post_id=\"1951909\" time=\"1575634359\" user_id=\"66413:


Which insurer offering cheaper but covers “as charge”? Any idea?

Stick to NTUC if your kids are having it coz they are the more conscientious in the market. Some may appear cheaper now but years down the road, their increments may (likely to) surpass NTUC (that i ever researched and spoke to several 'market people' to know they priced competitively). I think there's another round of premium increment coming soon.

NTUC's pool of clients is big enough and so it has more stability in maintaining premium in a way.

]]>https://forum.kiasuparents.com/post/1952047https://forum.kiasuparents.com/post/1952047Sat, 07 Dec 2019 10:24:07 GMT<![CDATA[Reply to All About Health Insurance on Sat, 07 Dec 2019 07:27:59 GMT]]>

starlight1968sg\" post_id=\"1951957\" time=\"1575682155\" user_id=\"14025:

MrsKiasu\" post_id=\"1951949\" time=\"1575676729\" user_id=\"43981:

if we were to buy insurance with rider, would it be similar to as charge?

'as charged' shield plans do not mean you do not need to pay a single cent. You still hv to pay the deductible and the co-pay portion. A rider helps to settle these items.
Pardon me if am wrong.

Correct.

Basic shield plan “as charged” is still subject to deductibles and co-insurance.
Riders on the basic plan, cover the deductibles and co-insurance.
No co payment necessary if you have been on the full rider before some time in 2018.

]]>https://forum.kiasuparents.com/post/1952012https://forum.kiasuparents.com/post/1952012Sat, 07 Dec 2019 07:27:59 GMT<![CDATA[Reply to All About Health Insurance on Sat, 07 Dec 2019 02:17:16 GMT]]>In the old days, rider serves to cover the additional charges after basic plan. However, our system now hv evolved into co-pymt in recent years. This so as to place responsibility on Insured to be selective when seeking medical treatment as oppose to some visiting every other specialist in the same discipline to get the ‘assurance’. “As charge” serves a similar function as riders & you don’t find many look at riders as nec anymore since there are many Insurers offering “as charged”.


I used to hv a Rider Plan (coveting all the critical illnesses) with AIA, but the one I had had a fixed tenure & expired before I actually wld use. Hence, money down the drain :moneyflies:

]]>https://forum.kiasuparents.com/post/1951964https://forum.kiasuparents.com/post/1951964Sat, 07 Dec 2019 02:17:16 GMT<![CDATA[Reply to All About Health Insurance on Sat, 07 Dec 2019 01:29:15 GMT]]>

MrsKiasu\" post_id=\"1951949\" time=\"1575676729\" user_id=\"43981:

if we were to buy insurance with rider, would it be similar to as charge?
'as charged' shield plans do not mean you do not need to pay a single cent. You still hv to pay the deductible and the co-pay portion. A rider helps to settle these items.
Pardon me if am wrong.

]]>https://forum.kiasuparents.com/post/1951957https://forum.kiasuparents.com/post/1951957Sat, 07 Dec 2019 01:29:15 GMT