You are right that with addition of NTUC Enhanced Incomeshield Assist Rider,client still has to pay for co-insurance subject to a caps limit of $3000.

Which means, if the bill is $100,000, or even $500,000 for the preferred plan, client at most just need to pay only $3,000 out of the huge bills.

The point of contention, I will like to bring about here, is regardless any hospitalisation plan, you choose to take, it is very important to get a rider to cover the deductible and co-insurance. Thanks.

totally agreed on what you wrote. However currently if i am not wrong, there is still no 100% coverage even when you pay rider right?

So you should at least ask them to purchase from other insurance company to have 100% coverage.

In my case, i always ask my client who has existing condition to apply either from NTUC or Aviva because they are more likely to ‘take’ in due to the first 5 year clause thingy.