While purchasing HealthShield Gold, HealthShield Gold Essential and Pink of Health will help to cover more of your hospital bills, they may not cover your hospital bills in full. 1) The premiums are not guaranteed and are expected to be adjusted from time to time in line with our claim experience, medical inflation of treatment, supplies or medical services in Singapore. 2) The above is a simplified description of the product  features. This is not a contract of insurance. The precise terms and conditions of the policy, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract. 3) You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with  switching. A penalty may be imposed for early policy termination and the new policy may cost more or have less benefits at the same cost.