Health insurance is meant to provide peace of mind but when it comes to making a claim, the details matter. From Integrated Shield Plans to riders, coverage often hinges on definitions, exclusions, and how policies are structured in practice.

Chan Wai Kit, Executive Director, Life Insurance Association Singapore joins The Breakfast Show to unpack how health insurance claims work in Singapore, where common misunderstandings can arise, and what policyholders should pay closer attention to from hospitalisation coverage to fine print that may affect payouts. 

We also explore how consumers can better review their plans, ask the right questions, and avoid surprises when it matters most.