By: Adrian Khiat As promised from my previous posting, I shall share about my 3 claims experience which happened over the last 1 month. Seriously, I'm doing so many claims that I'm so convinced on the importance of a medical insurance. 1st Claim - Cancer Chemotheraphy Mr Ng was diagnosed with Lung Cancer since April 07. He underwent 6 cycles of Chemotherapy. His Cancer relapsed recently and was given a new dosage of Chemotherapy. He is a subsidized patient. The above is a portion of a bill from Tan Tock Seng Hospital. He is required to go through another 6 cycles of Chemotheraphy. Because the medication this time round are Non Standard Drugs, they are not eligble for any Subsidies! Each cycle this time cost around $3,600. He only has a subsidies of $225. Therefore $3,600 - $225 = $3,375 x 6 cycles = $20,250 My Message There is a well-known personality that keep telling us that Medishield alone is sufficient. He probably are not aware that non standard drugs are not subsidized. For above case, Medishield only covers $700/28 days. Good luck to those who wants to save that few dollars in Medisave and don't upgrade to an "As Charged" plan. 2nd Claim - Intestine Bleeding Read more...