tag:blogger.com,1999:blog-1603222303785259307.post6603259593615468866..comments2023-09-23T21:52:50.905+08:00Comments on Health and Wealth: Medishield Changes wef 1st Dec 2008Khiat Han Hwee Adrianhttp://www.blogger.com/profile/00954307521105388372noreply@blogger.comBlogger10125tag:blogger.com,1999:blog-1603222303785259307.post-78928136116127386822008-12-09T20:08:00.000+08:002008-12-09T20:08:00.000+08:00Hi Adrian,I'm not sure if she manage to claim but ...Hi Adrian,<BR/><BR/>I'm not sure if she manage to claim but fortunately for them, money is not a major issue.<BR/><BR/>I'll update you if I manage to talk to my cousins.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-86834789823033125962008-12-03T00:09:00.000+08:002008-12-03T00:09:00.000+08:00Hi Derek,For very rare cases where the surgical te...Hi Derek,<BR/><BR/>For very rare cases where the surgical technique is in its experimental stage or if the medical device are not approved by the review board, it may not be covered. Its better to check with insurer if in doubt. I'm not sure how the insurer will view your aunt's case.<BR/><BR/>btw, did she manage to claim from her insurance eventually?Khiat Han Hwee Adrianhttps://www.blogger.com/profile/00954307521105388372noreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-31373133899658803482008-12-02T21:40:00.000+08:002008-12-02T21:40:00.000+08:00Hi Wilfred and Adrian,Thank you for your answers.Hi Wilfred and Adrian,<BR/><BR/>Thank you for your answers.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-31838194271924766252008-11-30T18:24:00.000+08:002008-11-30T18:24:00.000+08:00The Medishield is meant more for Restructured Hosp...The Medishield is meant more for Restructured Hospital B2 and C wards. $250/day may indeed be insufficient and thats why they increased it to $450/day.<BR/><BR/>A lot of people mistaken the Room and Board Charges as the Bed charges and argue that the bed don't cost that much in B2 and C wards. The R&B charges actually consist of many other medical related services such as scannings, diagnostic tests, medicines, doctor attendance fees, pre-post hospitalisation, etc...<BR/><BR/>When they says $450/day, its the limit that you can claim for the R&B charges, not the amount you be getting in cash.<BR/><BR/>Generally, if you think you have any chance of going beyond the B2 or C ward, I'll advice you to upgrade your Medishield plan to an Integrated one.Khiat Han Hwee Adrianhttps://www.blogger.com/profile/00954307521105388372noreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-89373024282168542132008-11-30T09:29:00.000+08:002008-11-30T09:29:00.000+08:00Hi AdrianI have few questions on this, hope you do...Hi Adrian<BR/><BR/>I have few questions on this, hope you do not mind<BR/><BR/>1) Is current medishield payout inadequate?<BR/><BR/>e.g. if the current 250/day is no longer valid[enough]? Does that mean all SG hospitals have increased their charges above 250 a day? Let's say if the charges are 270 a day what is the use of liit 450 a day , will I get 450-270 = 180 dollars in my pocket? I guess not. <BR/><BR/>same way about the other increased charges.<BR/><BR/>Now unless we have the exact daily charges and compare it with this enhanced limit items one by one, I really do not know what is going on?<BR/><BR/>2) Is insurance company suggesting us to upgrade to this package as they believe there will be increase in medical costs and the existing plan will be inadequate? I sthere any indication from MOH or hospitals that they will be increasing the various charges e.g. ward charges from 250 to 450 etc?<BR/><BR/>I am confused. why is this plan created and what is the need?<BR/><BR/>Hope you can give us some insight.<BR/><BR/>Regards<BR/>PaddyAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-33710785340880571252008-11-28T18:22:00.000+08:002008-11-28T18:22:00.000+08:00Derek,As to whether the insurer will pay or not de...Derek,<BR/><BR/>As to whether the insurer will pay or not depends on the policy terms itself. There is no standard answer for this.<BR/><BR/>Also you'll need to distinguish between Medisave, Medishield and the private "enhanced" shield plans. While Medisave (which is actually the CPF member's own money) cannot be use for certain procedures, it does not mean the same applies for Medishield and the private shield plan.<BR/><BR/>Moreover, even if the Medishield is claimable, it does not mean the private "enhanced" plan is claimable as there can be exclusion at the "enhanced" part.<BR/><BR/>It is best that you consult a competent adviser like Adrian to help you.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-57784772524110009022008-11-25T22:24:00.000+08:002008-11-25T22:24:00.000+08:00Hi Adrian and Wilfred,Thanks for the info. It sure...Hi Adrian and Wilfred,<BR/><BR/>Thanks for the info. It sure is a long list. <BR/><BR/>Since my aunt is operated under a new procedure, it may not yet be included in the list provided by MOH. Under such circumstances, am I right to say that the insurer may not have to pay for the surgery?<BR/><BR/>I'm just curious because the same thing might befall my parents or me.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-2624256521021176972008-11-22T00:59:00.000+08:002008-11-22T00:59:00.000+08:00Hi Wilfred,Thanks for the info...Hi Wilfred,<BR/><BR/>Thanks for the info...Khiat Han Hwee Adrianhttps://www.blogger.com/profile/00954307521105388372noreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-14707277848711071342008-11-21T01:03:00.000+08:002008-11-21T01:03:00.000+08:00Actually, I do not have an answer for you but ther...Actually, I do not have an answer for you but there are probably too many operations to properly classify all of them into each Surgical Tables.<BR/><BR/>I do have a classification table for about 120+ procedures which I got it from a fellow colleague in 2005. Not sure if it had changed much.Khiat Han Hwee Adrianhttps://www.blogger.com/profile/00954307521105388372noreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-88847597251641619592008-11-21T00:36:00.000+08:002008-11-21T00:36:00.000+08:00Hi Adrian,Do you know where I can find the Table o...Hi Adrian,<BR/><BR/>Do you know where I can find the <BR/>Table of Surgical Procedures under the Medisave Scheme operated by MOH? <BR/><BR/>My aunt just went for an emergency surgery to stop aorta leakage using a new stent procedure. We were told that medisave does not cover the surgery.<BR/><BR/>Btw, nice new look.Anonymousnoreply@blogger.com