Photo by Ravenelle

I couldn’t have articulated it better myself on Adrian’s point of making co-payment compulsory as it was never the intention of our government to do so when medishield was first introduced in july 1990.

In fact, when i was in aviva’s product committee in the design of an integrated shield plan back in late 2004/early 2005, i stressed this to the management of aviva and the product committee as well.

And when aviva myshield made it appearance in mid-2005 which by itself was radical being the first shield plan to come with ‘as-charged’ benefits, i was pleasantly pleased as punch that the rider when launched, did not cover the deductible of the plan, only the co-insurance portion.

Adrian mentioned that he applauds ntuc-income for being the only shield provider not to provide 100% reimbursement through it’s current rider, the incomeshield assist rider. perhaps this may not be strictly by choice because the incomeshield plus rider (covers 100% deductible and co-insurance) was withdrawn on november 16, 2007 due to what mr lawrence wong, the general manager of ntuc-income cited as loss-ratio and the new incomeshield assist rider being introduced on the same day. Read more…