Integrated Shield Plans Info

Suggestions For Choosing An Integrated Shield Plan

Long Term Premium Affordability

Compare the lifetime premiums for different Integrated Shield Plans with your preferred Plan Type. Consider the long term affordability of your chosen Integrated Shield Plan as premiums increase with age and may become unaffordable especially in your later years.

Suggestions For Choosing An Integrated Shield Plan

Specific Policy Features

Integrated Shield Plans with the same Plan Type generally offer competitive benefits with small differences in coverage. If you have any specific healthcare requirements you should check if your chosen Integrated Shield Plan provides adequate coverage for your circumstances.

Suggestions For Choosing An Integrated Shield Plan

Deductibles and Co-Insurance

Check the affordability of potential out of pocket expenses, such as deductibles and co-insurance, for your chosen Integrated Shield Plan. Consider adding on a Rider to reduce or limit your out of pocket expenses.

Suggestions For Choosing An Integrated Shield Plan

Policy Claim Limits

Integrated Shield Plan generally impose some limits on claims. Compare the different Integrated Shield Plans with your preferred Plan Type and consider if the claim limits for your chosen Integrated Shield Plan are sufficient for your circumstances.