I recently downgraded my IncomeShield from Preferred to Advantage, due to unaffordable premium.
As age 41, the total premium for Preferred Plan is 1,448 = 435 + 648 + 405. After downgraded to Advantage, the total premium for Advantage Plan is 804 = 435 + 212 + 157. The difference is 644 = 1448 – 804.
2019 – Premium for Singapore Citizen – MediShield Life, Enhanced IncomeShield and Classic Care Rider