Saturday, August 27, 2011

Cover Story - Cancer from breast

More and More woman are opting for breast reconstruction with their mastectomies so they can still look and feel normal.

Do you know you are covered by hospitalisation insurance?
There is also a misconception that breast reconstruction is considered cosmetic surgery and will not be
covered by hospitalisation insurance or Medisave.

Depending on a patient's eligibility for subsidy, the estimated bill for a mastectomy followed by an
immediate breast reconstruction ranges between $6,000 and $30,000.

Breast cancer patients who undergo this procedure may use up to $7,550 from Medisave for it and
$450 per day for daily hospitalisation charges.

Younger women affected by cancer seek complete restoration of form for better integration back to
society, family, work and married life.

Have you upgraded your MediShield to "As Charged" plan yet?

As-charged feature

The as-charged feature has become a standard in all Medisave-approved integrated Shield plans but there are many people who have not upgraded to plans that offer this feature. Do take note that a Shield plan comes with deductible and co-insurance components. The former refers to the first layer of charges that the policyholder has to bear. These may range from $1,500 to $3,000.

The co-insurance payment is the portion shared by the policyholder, usually 10 per cent of the bill after taking into account the deductible. If you wish to be covered for the deductible and/or the co-insurance portions of the hospitalisation bill, Shield insurers offer optional riders for them, payable via cash.

If you need help in upgrading your MediShield plan, please drop me an SMS/Call me @ 91000078.

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