Note: This post below has been updated on 12 May 2026.
Unanswered Questions from Making Sense of IP Claims: Your Top Questions Answered
- If you are a relatively healthy individual, in your mid-sixties, which integrated shield plan should one person choose? Private, A ward or B1 ward should suffice? What are the factors to consider deciding the cost efficiency of the IP?
This is a fair question that we often receive. We have written 2 articles to explain our approach. Our
first article talks about the considerations in your IP plan. The
second article explains that affordability is not just about the ability to pay the premium but the trade-offs in your quality of retirement if the premium constitutes a large part of your retirement income. We hope you find these articles useful! Should you have additional questions, do not hesitate to reach out to us via our email:
communications@havend.com.
- When you make a claim, does it affect the premium of your IP in subsequent years?
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