“You have liver inflammation.”
“It’s an estimated 36-50 hours wait for admission. Alternatively, you could opt for discharge but I need you to come back on close outpatient follow up.”
I was in shock.
My liver? 36 hours? More than a day? 50 hours?
I had never been hospitalised before and had always been relatively healthy, frequent gym-goer, never excessive with my diet.
I was still in a groggy state so I just stared at the doctor in disbelief and she understood my question.
“Yes, 36 hours. I have patients waiting here for 3 days but there is no bed.”
I looked around myself. I was in a stuffy tentage set up for suspected COVID patients in a certain government hospital. I was sitting on a plastic chair, attached to an IV drip. I have already been here for more than 3 hours with a high fever, alternating between chills and flushes, despite given medication. I had not been able to eat nor drink much for the past one week so I was very dehydrated and weak all over. But the nurses are busy so I could not even ask for a bed to rest; in fact I had been going around several stations on my own to do all sorts of tests. There was no way I could wait there for three days.
So, in my groggy state, I opted for discharge and agreed to three separate outpatient appointments on different dates. It did not help that I was groggy because later, I found out that one of the three appointment letters was missing, and some medication was not given.
When I got home, I felt worse. I was vomiting, my fever got higher, and my rashes got worse.
Then I recalled I had my hospitalisation insurance that allowed me to go to private hospital.
Hence, I made my way to Mount Elizabeth hospital (Orchard). Upon reaching A&E, I was directed to a similar COVID tentage but this time with a mini room that had good ventilation and I could rest on the bed. My doctor came in after a short while and asked for the whole story, asking me questions and looking through my reports and medication carefully. He immediately advised and arranged admission for me.
Everything was efficient and comfortable from that point; the nurses guided me through every test and procedure, including the claim forms. I was feeling weak in my legs and could not walk very well so they wheeled me around. Even though I freaked out at having to draw eight tubes of blood immediately, which took a long time because I was very dehydrated, the nurses were caring and chatty so it was not as scary. That same night I was admitted, my fever just went higher and higher so I was really relieved I made the decision to be admitted so that I was in good care.
But that was not all. It took a whole month to diagnose the root cause of the problem. In the one month, my fever kept persisting amidst other new symptoms and my condition went through a rollercoaster as halfway through, my condition got better and worsened several rounds. In total, I had two hospital admissions, three specialist doctors looking after me and with many follow ups at frequent intervals because my liver functions had to be watched closely.
On hindsight, I could make these decisions easily because I knew I had my hospitalisation insurance to fall back on and even other insurances to depend on should this get even more serious/prolonged. Cost of treatment was not really on my mind as I knew they would be covered for, I was really looking out for what treatment would be best for myself. Eventually, my bills came to about $37,000 and were almost fully covered (I had to only pay $1,000 from my Medisave account).
In my everyday work with clients, I advised that having insurance is important as it would give them the financial flexibility to seek options.
This personal experience gave me an insight on what options we really need in the event of a sudden illness:
From this experience, I can say the hospitalisation insurance helped me on all three considerations:
On (1), how urgent do you want to know the root cause and severity of your condition?
On (2), how long can you afford to be out of your work/usual life routine?
On (3), how comfortable do you want to be when you are already unwell?
Thanks to my ability to choose my preferred options, today, I am back happy in my work and in the gym and able to resume normal activities with all my loved ones.
From now on, I would treat my insurance policies like a precious treasure and advise more to keep this treasure dearly.
Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.
Eileen grew up inspired by how her parents saved bit by bit, albeit with very little resources, to work towards a comfortable life and future for the family. Taking the first step in financial planning is really so crucial and yet also a very simple decision!
Today, with the same passion, she works with many busy working professionals to get them started on their financial planning journey. She has come to know many of them are aware they should plan, but have no time to sort out all the confusing technical jargons and improper sales tactics, and hence are looking for someone honest and trustworthy to simplify the journey with them. She maintains honesty in every financial plan she recommends, making sure they are always in her clients’ best interest and keeps the recommendations easy to understand and exciting to follow.
In so doing, she treasures the trust her clients place in her and keeps in close contact with them. In the last ten over years, she has become a friend and close companion to her clients, journeying through different phases of life with them and suitably advising on their financials needs along the way.
By submitting this form, I confirm that
In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.
根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.
By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.
Subscribe to our newsletter to receive updates on our latest content!