Someone said: When I signed the integrated plan, my intention was to ensure my medical bills are fully covered. I didn't think about going to ward A or ward B1.
After my mother in law hospitalisation, her insurance paid so little after all the deductions that I realised its wasn't really worth it for the premiums paid.
But since I'm on ISP for so many years, and now close to 65, I just continue with the plan, as I still don't really know exactly what to do.
It is easy for you to convert back to Medishield Life. Call the insurance company and ask them if they will give you a pro-rata refund for the premium that you have paid for the integrated plan. If they can, you can convert immediately. If no, you can convert to Medishield Life at the next renewal date.