Which recommended insurance company to buy hospital plan for newborn?

For newborns, most parents I know go with either Prudential, AIA, or Great Eastern for the integrated shield plan, and honestly the base MediShield Life is already there from birth so the rider is what makes the difference in terms of ward class and rider coverage. The claim process really depends on whether your hospital does direct billing, because if they do, you barely need to do anything yourself. I would suggest asking each insurer specifically about their pre-authorisation process and turnaround time for reimbursement claims, since that varies and some agents are more responsive than others. Might be worth checking with a fee-only financial adviser who can compare the plans side by side without being tied to one insurer lah.