Is Incomeshield adequate?

You are the most open, frank and trusted CEO I hv known so far. Thank you in advance for allowing me to write directly to you.

Incomeshield advertised "Why buy expensive Shield plans when Incomeshield provides SUFFICIENT cover for B2,B1 and A class wards ?"

Q1. Does this means ALL inpatient sub-limits in Incomeshield plans A,B and C are sufficient to cover all types of operation bills in their respective wards ?

Reply: The sub-limits are sufficient for most types of hospital treatment. It may be insufficient for some major illness. But, I understand that most people are insured under a dread disease policy (life insurance policy), which will pay for these major illness.

Q2. If not, pls advise probability of one exceeding each sub-limits based on Incomeshield past claim records.

Reply: If you select the right ward in restructured hospital, the sub-limits should be sufficient for more than 90% of the cases.

Q3. When will Income offers a rider for "as charged basis, ie. without inpatient sub-limits" per Straits Times report dated 6 Jul 2005, page H21.

Reply: We have introduced a Plan P that offers higher coverage than plan A, and is suitable for private hospital. We are still working on the "as charged" rider, and have not decided on how to implement it.

Strongly believe Income will woo many undecided Shield holders to Incomeshield plans if answers to above questions are publish nationwide.