I'm planning to buy medical insurance for my baby & some of the family member. Some info I've gather from net, any expert mind to share your opion? IS GE better than NTUC? 1. GE Highest total annual limit of $500,000 (with the additional $150,000 cover for 5 major medical conditions) Note: IncomeShield's "Enhanced Preferred plan" offers annual limit of $350,000 while AVIVA Myshield Plan 1 offers annual limit of $300,000. 2. GE No x days notice requirement prior to making claims; no requirement on claims being "reasonable" Note: NTUC Income requires 4 days prior notice for non-emergency medical treatment and only would pay whatever is deemed "reasonable" to them. Like Great Eastern, AVIVA does not have this condition. I'm not comfortable with Income's 4-day notice clause and "reasonable" clause 3. GE Extra annual limit for 5 major conditions, not only for cancer treatment Note: the 5 medical conditions are namely, Major Cancer Treatment (offered by AVIVA) but other medical conditions such as Coronary Artery By-Pass, Heart Valve Disease, Neurosurgery and Major Organ Transplant. This is definitely one up by GE, definitely better than Income and AVIVA 4. GE only shield plan with 5% annual renewal discount for LIFETIME! Note: This renewal discount is given to you regardless of how many times you claim! Some insurers only give you renewal discount based on NO claim. This again GE is better against all other insurers namely, AVIVA, Income, AIA and Prudential. 5. GE Cover cost of medical reports for claims process (this can cost $70 to $250). Note: some insurers require consumers to pay these themselves. If I didn't remember wrongly, AVIVA does not pay for this. 6. GE Cover claims from medical institutions with NO mediclaim facility Note: recent letter to forum reflected the case of one Incomeshield policyholder who cannot claim due to the treatment done at a clinic with no mediclaim facility. Thus, such a problem will not happen if a person is insured with GE Supreme Health. 7. GE co-insurance is 10% for all plans (min required by Ministry of Health). Note: Currently, there're no riders available to pay for co-insurance (AVIVA has) or pay for both co-insurance and deductible (NTUC Income has). GE might consider launching a rider in future. 8. Lifetime limit of $5 million for the TOP plan by GE. Note: AVIVA Myshield Plan 1's lifetime limit is $2 million. Income has "unlimited" lifetime limit (however, truth is not true. Why? Becos actually it's limited by the max of $350,000 annual limit while GE's annual limit is $500,000, higher than Income. 9. GE Provides coverage for confinement in Community Hospital upon referral from discharged hospital. 10. GE provides coverage for Prenancy Complications and Congenital Disease. Note: NTUC Income specifically exclude any treatment relating to prenancy and congenital disease. the oversea claims will be pegged to SG private hospital rate..??? ALL shield plans DO not cover any overseas treatment?? they only cover overseas treatment in case of emergency treatment whereby any delay would result in death?? Deductible for day surgery $3000 for GE, how about NTUC enhance shield? any expert can guide, & answer some of the question? thanks.