In order to prevent sky-high hospital bills, early planning is needed to address this concern.

Hospital and surgical benefits
There are usually three room types in the market, namely:
Private
Semi-Private
Ward

The hospital and surgical benefits are divided into surgeon’s fees, anaesthetist’s fees, operating theatre charges, etc. It is usually calculated based on the complexity of the surgery.
Client may select to apply for supplmentary major medical benefit to increase the cover.

On the other hand, there is a new type of plan which client can enjoy a greater benefit with less premium with excess/deductible*.
* Claims will be payable after applying the excess/deductible, some of the insurance companies has no individual sub-limit applied to the claims.

Out-patient coverage
Client should pay attention to the policy that whether panel doctor or free choice cover is selected.

Hospital Cash
If your income is interrupted during hospitalization, daily cash benefit will be provided.