i received a number of message from friends and clients today. It is regarding the news relate to the integrated shield plan that the  insured to bear some of the payment of the hospital bill are raised up again.From what it is reported , it is true in some way, those clients who have done the claims resulting the overall the premium goes up and those clients who did not make any claims are innocently involve to pay a higher premium every year or every review.

so on going, let see what is the take for all insurers and the Govt take as well.

Currently prudential are the current company have the 20% pru rewards reduction on the premium for those without any claims and standard condition and have a claims experience higher premium for those insured make a claims. ( similar like car insurance theory NCD).