Integrated Shield Plans - Potential Claim Dispute

I took up the "Private Hospital" plan for my Integrated Shield (IP) plan and everything is "As Charged". Or is it really "As Charged"?

Beware.

For "Private Hospital" plans it normally covers only the "standard ward". Should someone warded under "deluxe" or "luxury suite" or whatever ward that's non-standard, pro-ration will apply! And it can be BIG pro-ration.

Let's have a look at one of the "Private Hospital" IP plan's policy wording:

E.g. Mr.A covered under Myshield Plan 1 hence entitle to stay in private hospital standard ward. However upon admission, for whatever reasons, he admitted to luxury suite instead.

Room rate for standard ward	$500/day
Room rate for luxury ward	$1,500/day
Pro-ration factor applicable	500/1500 = 33%
Total hospital bill incurred	$100,000
Total claimable (after pro-ration of 33%)	$33,333
Total non-claimable	$66,666

Mr.A has to pay :$66,666


Mr.A might say that it is the hospital who "auto upgrade" the ward type for him or no standard ward available so no choice have to take luxury suite. Whatever the reason, Mr.A has enjoyed the luxury suite and may be "special care" that comes with luxury suite and nothing comes free. In the policy wordings it already stated clearly that they will only pay for expenses incurred when they stay in standard ward, therefore it will be a near zero chance to try and claim for the "luxury comfort".

Calling all Aviva MyShield holders!

Source: http://www.aviva.com.sg/myshieldrewards/myshieldrewards-overview.html

Terms and Conditions

1. Only Qualifying Customers are eligible for the Promotion. To be a “Qualifying Customer”: 
   a)  you must be a customer of Aviva with an existing MyShield policy when applying for the Qualifying Plan(s) or must apply for a MyShield policy by 30 September 2017, with the policy issued by 31 December 2017;
   b)  you must apply for the Qualifying Plan(s) (including any of its attaching riders), and the application must meet the Minimum Premiums criteria (based on annualised premiums); and is net of any premium discounts and includes GST amounts; 
   c)  your application for the Qualifying Plan(s) or MyShield policy (if they are not an existing MyShield policyholder and are applying for one) must be signed between 1 April 2017 and 30 September 2017 (both dates inclusive), and the policy must be issued by 31 December 2017; and 
   d)  your application for the MyShield policy and Qualifying Plan(s) must pass the 14 days free look period.
    
2. Aviva Ltd reserves the right to amend, add, withdraw or supplement the Qualifying Plan(s) in the Promotion at its sole discretion at any time without notice or liability.
    
3. If you apply for more than one Qualifying Plan(s), you will receive a gift for each policy. Premiums for multiple Qualifying Plan(s) cannot be combined to qualify for this promotion or for a higher tier.
    
4. UNIQGIFT Terms and Conditions apply. For details, visit www.uniqgift.com/terms-and-conditions.
    
5. The complete set of Terms and Conditions for this promotion can be obtained from your financial adviser representative.
    

Click here to know about the Rewards and the steps in getting them.