hi cactus,
guess u ve misunderstood...PINK OF HEALTH covers ffrom the very first dollar, regardless which ward u stsy in.
PLAN 1 hospital reimbursement covers up to $2000
PLAN 2 hospital reimbursement covers up to $3000
PLAN 3 hospital reimbursement covers up to $6000
so depending on the CPF integrated scheme u go under (usually for single bedded is 20% co-insurance and $3000 deductible) u may choose the plan accordingly to cover for it.
on top of that, PINK OF HEALTH is also claimable for PRE and POST hospitalisation services. eg, if u see a GP or did an xray with consultation charges from the doctor, u can claim up to $1000 for a PLAN 2. there is A&E accident coverage and day surgry as well.
on top of that, u will get a daily hospital income benefit of $100 per day. say if im hospitalisaed due to an illness in hospital, i will get $400 in cash.
if 4 days in hospital due to accident, i get $1200 in cash on top of all the medical bills that was being charged up to $3000(medical bills) for a PLAN 2.