When cash is needed for those big hospital bills

Depending on your insurer, you may pay a lot to settle your bill first, pending claim approval

Before signing up to a new Integrated Shield Plan, it pays to ask about the insurer’s letter of guarantee and panel of doctors since these issues have a big impact on the claim process. PHOTO: ST FILE
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While most private medical plans offer seemingly similar coverage for your hospital bills, not all products are equal as some can hit your pocket.

Your choice of hospital and whether your doctors are on the insurer's panel will mean your claim experience can differ substantially, depending on your insurance firm.

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