GMM (group major medical)

GMM should not be presented as an automatic payment of every amount left unpaid by GHS. Check its trigger, eligible expenses, deductible, percentage sharing and overall limit.

The cited Singlife brochure, for example, attaches conditions to its major-medical rider beyond simply having a large bill. Other arrangements require their own review.

Ask the insurer to work through one admission across both benefits. Record the order of calculation and identify excluded costs that neither benefit will pay.