Rations for Mr Stanley and request more people to help for this family

Its always saddening when I received messages like, "I need your help. No thing at home. Last week I buy thing but my salary was less so I never buy many thing. So can u help me. Can I get ntuc voucher. Pls help me." Or "my house got nothing. We eat what you give us."

We wish to help every single family out there who are in this kind of situations, but our resources are limited. One example is Mr Stanley family in Champion Way. He is working as a security guard and having to his wife, his 7 kids, and his grandma and he has just discharged from hospital as well. His salary is less than 1k per month. Today we just bought some rations for his family. Each time it cost about $100 worth of groceries but due to the number of family members he has to feed, it can only last them 3 days.

This is just one such family that we have to support, and they truly need your support to tide over this difficult period of their lives, hopefully being able to find a higher paying job, or waiting till the kids grow up. I hope that someone would be able to help them with their bills, groceries, or vouchers, to help them through their most difficult period of their lives.

If you can visit Mr Stanley and his family at Champions Way, do whatsapp me at +65 9151 9924 for more information. Thank you for your kindness.

Kindness should not mixed together with Politics

On 20^th June 2015, something terrible happened before distribution. An opposition party that Not Supposed to be mentioned, actually requested Project Awareness to help them out on their Kindness Day, which is to spread kindness to the low income families in Singapore. So we discussed and decided why not? End of the day, we just want to help the residents of Singapore, so it does not matter who we collaborate with, so long as the residents benefit from it, we are happy to support.

It was supposed to be a happy event distributing goodies bags to the residents on that day, however to our dismay, when we including our volunteers have reached the place, the President of that party told us that today’s event is their party event, it’s not a collaboration between us and them, and our volunteers are not allowed to be seen in their pictures. This is ridiculous. Not that we want to be seen in their pictures, but our volunteers are not to be seen in their pictures?

Hence we decided to pull out from the whole thing, because in the first place, they are not appreciative of our volunteers’ efforts, and even the volunteers themselves says that they do not wish to support such ridiculous people. Most are wondering if they are really doing kindness or just trying to get extra points because the General Election is nearing? 

End of the day, we know that our hearts are with the residents and人民是无辜的，特别是弱势家庭 (the residents are innocent, especially the low income families) Hence, we proceed to do our distribution on our own instead.

We decided to organise a distribution the next day and meanwhile visit the families that we took care of.

Shopping for goody bags for the low-income families

Mr Buang Family

Uncle Goh

Ms Ramlah

Ms Rohaya and Family

Should We Upgrade Our Medishield?

Some of my customers are wondering, should they upgrade their basic Medishield that they are currently having? What are the benefits of upgrading their Medishield to Private Integrated Shield Plans?

1) Government Hospitals vs Private Hospitals

Medishield is designed to cover for large hospitalisation bills in Class B2 and C wards in government hospitals.

While government hospitals do provide professional health care, sometimes you have to be prepared to wait for a long period of time for treatments. I have heard stories where you have to risk waiting several months just for a surgery, and many prefer to be transferred to a private hospital for a faster treatment.

If you prefer to have the choice of seeking treatment from private hospitals and not have to worry about incurring a huge amount out of pocket, then choosing a private integrated shield plan that covers for private hospitals can provide greater peace of mind.

Wouldn't you prefer to have a faster and earlier treatment?

2) Limited coverage vs Full coverage

Medishield Life has claim limits for different portions of the bill e.g daily ward charges and surgical procedures.

Integrated shield plans typically come with As-Charged coverage instead of limits, you can submit the actual bill amount for claim without worrying about the individual sub limits, and this helps to protect against medical inflation.

3) Option to cover the co-insurance and deductible portion of the bill also known as Excess

Under both Medishield Life and Integrated Shield plans, we are expected to pay for a portion of the bills known as co-insurance and deductible.

However, private insurers providing Integrated Shield plans offer the option of purchasing cash riders (cash top ups on top of the basic plans) which cover for the deductible and co-insurance or at least reduce the amount of out of pocket expenses.

So if you prefer to have the peace of mind knowing your medical bill can be fully covered and not paying a single cent of the bill, then such riders to Integrated Shield plans would come in handy.

4) Coverage for pre and post hospitalisation related follow up charges

Medishield Life covers mainly for inpatient and selected outpatient treatment like chemotherapy and dialysis. However it does not cover for specialist scans or consultation prior to hospitalisation nor post hospitalisation follow up treatment.

Integrated Shield plans include these benefits, typically for bills incurred within 90 days before and after hospotalisation, some even longer.

Conclusion

If you value the freedom of choice to seek treatment in private hospitals and not have to worry about rising medical bills due to inflation, or if you want to be covered for pre and post hospitalisation related expenses and prefer not to co-pay part of the bill, then integrated shield plans would still be something worth looking at for a greater peace of mind.

With the enhancements in Medishield Life, there would inevitably be an increase in premiums.

Ultimately, here are 2 questions to consider in determining whether to upgrade or not

1. Do you value the enhanced coverage and peace of mind enough to pay more for them?

2. Are the premiums affordable and can it be manageable for you?

Do contact me at +65 9151 9924 for a non-obligatory discussion.