The days of $0 hospitalization bills - thanks to your insurer picking up the costs - are over. Read more about the recent changes here, which covers what they mean for consumers as well as what I recommend doing. A quick summary of changes include:

• Pay no more than $3,000 a year for co-payment in the event of hospital bills. At this moment, only Prudential customers who signed up before 2018 will still be able to claim for the whole bill.
• However, be prepared to pay more if you choose to consult non-panel doctors. The panel of doctors across each insurer differ, so do check out the list with your agent / insurer.

Today's article delves into Part 2, which explores the commonly-asked question of Which is the BEST hospitalisation insurance? Let me first burst your bubble by giving you the harsh truth - there's no such thing. What even defines "the best"?...