I always advocate to my clients on the importance of having a good medical coverage. I don’t understand why some people will choose to spend that extra $20/mth on good food or shopping but save that similar $20 on a medical insurance.

However, most of my clients are confused because they have no idea how a shield plan works and what are the difference between the different insurers. I believe many advisers themselves are not sure as well.

I try to provide some info for you today but pls note that these info is not a comprehensive guide and can only be used for your quick reference. The data are updated as of today and I’ll try not to clatter too many items and hence summarizes for you as below:

* I’d used the “As Charged” Private Hospital plans as the basis for comparison. I’m not going through every single point but will highlight one or two more significant ones for you. Read more…