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Is an Integrated Shield Plan worth it?
An Integrated Shield Plan (IP) gives you more hospital cover on top of MediShield Life. MediShield Life is designed mainly for subsidised B2/C wards in public hospitals. With an IP, you can stay in a Class B1 or Class A ward, or go to a private hospital, depending on the plan you pick. Seven private insurers offer IPs, and you can use MediSave to pay for part of the premium.
Not sure whether your medical insurance in Singapore is giving you enough hospital cover? A few common misconceptions can make the choice more confusing than it needs to be.
Myth 1
“All IPs are basically the same, so I’ll just get the cheapest.”
THE REALITY
Not really. MOH sets the ground rules, but plans can still differ a lot. Among Class A and private hospital plans alone, yearly claim limits go from S$500,000 all the way up to S$2.5M, and cover before and after a hospital stay ranges from 100 days to 13 months. Cancer drug limits vary too. The cheaper plan today could leave you with less cover when you actually need to claim.
Myth 2
“If I have a rider, my bill is capped wherever I’m treated.”
THE REALITY
Not always. For riders sold from 1 April 2026, the yearly co-payment cap is at least S$6,000. But it only kicks in for eligible claims. Depending on your insurer, that usually means treatment with a panel doctor, non-panel treatment that’s been pre-authorised, or certain emergency admissions. If you see a non-panel doctor without pre-authorisation, your bill may not be capped at all. You’ll still pay the deductible too, because new riders can’t cover it. Older riders may work differently. Some have a lower cap or still cover the deductible.
Myth 3
“If I can afford it now, I’ll be able to afford it later.”
THE REALITY
IP premiums go up as you age, and insurers can raise their rates too. MediSave only covers part of the plan premium, and riders have to be paid fully in cash. So you could end up paying a lot more out of your own pocket once you retire.
Want to see how plans compare for your age and preferred hospital?
Do I need an IP if I already have MediShield Life?
If you’re a Singapore Citizen or PR, MediShield Life is your baseline health insurance in Singapore, covering you for life, including pre-existing conditions. An IP does not replace it. It just adds private insurance cover on top.
Here’s a side-by-side breakdown of MediShield Life vs Integrated Shield Plans and how the two policies work together:
| | MEDISHIELD LIFE ONLY | MEDISHIELD LIFE + INTEGRATED SHIELD PLAN |
|---|
| Who’s covered | All Citizens and PRs, automatically, including pre-existing conditions. | Optional. Pre-existing conditions may be excluded from the IP portion. |
| Ward and hospital | Subsidised B2/C wards. Higher wards and private hospital bills are only partly covered by MediShield Life. | Class B1, Class A or private hospital, depending on your plan. |
| Yearly claim limit | S$200,000 per policy year, subject to treatment-specific limits. No lifetime limit. | S$500,000 to S$2.5M, depending on plan. |
| Choice of doctor | Depends on your ward and subsidy status. Subsidised patients generally don’t choose their doctor. | Your own specialist |
| Before and after hospital stay | Selected outpatient treatments only. There is no general pre- and post-hospitalisation benefit. | Up to 180 days before and 365 days after, depending on plan. |
| Premiums | Fully payable by MediSave | Partly payable by MediSave. You pay the rest in cash. |
How they work together when you’re hospitalised
Step 1
MediShield Life pays first
It pays up to its claim limits, straight to the hospital or specialist.
Step 2
Your IP pays the rest
It pays what’s left of the claimable bill, up to your plan’s limits.
You don’t have to file two claims. Your IP insurer handles a single claim that covers both MediShield Life and your private cover.
Sounds like an IP might suit you?
Get a free, no-obligation comparison.
How does an Integrated Shield Plan work?
On top of your hospital stay, an IP also covers the treatments below. How much you get back depends on the plan.
Before and after your hospital stay
Consultations, tests and treatment linked to your hospital stay are covered, usually for 90 to 180 days before and 100 to 365 days after. Some plans stretch this to 13 months if you see a panel doctor.
Overseas treatment
Emergency treatment overseas is covered, up to what it would have cost in a Singapore hospital. Some plans also cover planned treatment overseas, up to S$50,000 a year.
Inpatient mental health
Inpatient psychiatric treatment is covered from S$4,000 to S$20,000 a year, depending on the plan. Some plans cover it as charged once a waiting period is over.
Congenital abnormalities
Conditions you were born with are covered, though sometimes only after a 12 to 24 month waiting period. Some plans also cover your newborn’s congenital conditions, up to S$16,000 to S$20,000 over their lifetime.
Organ transplants
Major organ transplants are covered. If you’re a living organ donor, most plans also pay S$30,000 to S$60,000 per transplant.
Outpatient treatment
Selected high-cost outpatient treatments such as kidney dialysis, radiotherapy and cancer drug treatment.
Final expense benefit
Most plans pay a lump sum of S$3,000 to S$10,000 if you pass away.
What an IP does not cover
Every plan has exclusions. The most common are:
- Conditions you already had before buying, if your insurer excludes them. MediShield Life still covers these.
- Cosmetic surgery and routine dental work.
- Normal pregnancy and delivery, and fertility treatment. Complications are still covered.
- Outpatient treatment that isn’t on the covered list, like GP visits.
- Planned treatment overseas, unless your plan includes it.
- Experimental or unproven treatment.
This is also a key difference between MediShield Life and an Integrated Shield Plan: MediShield Life automatically covers pre-existing conditions, while an IP may not.
Best Integrated Shield Plans in Singapore (2026)
These rankings focus on private hospital plans, where insurers tend to differ the most. For an overview of how IP coverage compares across private hospitals, Public Class A and Public Class B1 wards, see the comparison tables below.
Best Integrated Shield Plan by feature
Highest claim limit (private hospital plans)
- GREAT SupremeHealth P Prime (S$2.5M)
- HSBC Life Shield A (S$2.5M)
- PRUShield Premier (S$2M)
Longest post-hospitalisation (panel)
- AIA HealthShield Gold Max A (13 months)
Longest post-hospitalisation (non-panel)
- PRUShield Premier (365 days)
Highest Cancer Drug List (CDL) cover
- Enhanced IncomeShield Preferred + Essential Care Preferred (23× MSHL limit)
- Enhanced IncomeShield Preferred + Optima Care Preferred (23× MSHL limit)
- HSBC Life Shield A + Enhanced Care A II (23× MSHL limit)
- Raffles Shield A (with Raffles Hospital Option) + Choice A (with Raffles Hospital Option) Rider + Cancer Guard (23× MSHL limit)
- Raffles Shield Private + Choice Private Rider + Cancer Guard Private Rider (23× MSHL limit)
Highest NON-CDL Cancer Drug List cover
- HSBC Life Shield A (up to S$360K/year)
- Raffles Shield A with Raffles Hospital Option (up to S$250K/year)
- Raffles Shield Private (up to S$250K/year)
What’s the difference between panel and non-panel?
Panel: Treatment with a specialist on your insurer’s approved panel. Public hospitals are generally treated as panel. Panel treatment usually comes with higher claim limits or longer pre- and post-hospitalisation cover, and it is commonly where a rider’s yearly co-payment cap applies.
Non-panel: Treatment with a specialist outside your insurer’s approved panel list. Benefits may be lower or shorter, and a rider’s co-payment cap may not apply unless the treatment is pre-authorised or otherwise qualifies under the rider terms.
Integrated Shield Plan base benefits compared
These tables give an overview of the base Integrated Shield Plan coverage at each hospital tier. The benefits shown generally remain in place whether or not you add a rider.
| PLAN | POLICY YEAR LIMIT | PRE- & POST-HOSPITALISATION TREATMENT | COMMUNITY HOSPITAL |
|---|
| AIA HealthShield Gold Max A | Panel: $2,000,000
Non-panel: $1,000,000 | Panel: 13 months / 13 months
Non-panel: 100 days / 100 days | As charged |
| Enhanced IncomeShield Preferred | $1,500,000 | Panel: 180 days / 365 days
Non-panel: 100 days / 100 days | As charged up to 90 days / hospitalisation |
| GREAT SupremeHealth P PLUS | $1,500,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | Sub-acute and rehabilitation care at public hospitals: As charged Sub-acute care at private hospitals: $1,200 / day
Rehabilitation care at private hospitals: $1,000 / day |
| GREAT SupremeHealth P Prime | Panel: $2,500,000
Non-panel: $1,500,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | Sub-acute and rehabilitation care at public hospitals: As charged Sub-acute care at private hospitals: $1,200 / day
Rehabilitation care at private hospitals: $1,000 / day |
| HSBC Life Shield A | Panel: $2,500,000
Non-panel: $1,000,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | As charged up to 45 days / hospitalisation |
| PRUShield Premier | Panel: $2,000,000
Non-panel: $1,200,000 | 180 days / 365 days | As charged |
| Raffles Shield A (with Raffles Hospital Option) | $600,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | As charged up to 45 days / hospitalisation |
| Raffles Shield Private | Panel: $1,500,000
Non-panel: $600,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | As charged up to 45 days / hospitalisation |
| Singlife Shield Plan 1 | Panel: $2,000,000
Non-panel: $1,000,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | As charged |
| PLAN | POLICY YEAR LIMIT | PRE- & POST-HOSPITALISATION TREATMENT | COMMUNITY HOSPITAL |
|---|
| AIA HealthShield Gold Max B | $1,000,000 | 180 days / 180 days | As charged |
| Enhanced IncomeShield Advantage | $500,000 | 100 days / 100 days | As charged up to 90 days / hospitalisation |
| GREAT SupremeHealth A PLUS | $1,000,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | Sub-acute and rehabilitation care at public hospitals: As charged Sub-acute care at private hospitals: $1,200 / day
Rehabilitation care at private hospitals: $1,000 / day |
| HSBC Life Shield B | $1,000,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | As charged up to 45 days / hospitalisation |
| PRUShield Plus | $1,000,000 | 180 days / 365 days | As charged |
| Raffles Shield A | $600,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | As charged up to 45 days / hospitalisation |
| Singlife Shield Plan 2 | Panel: $1,200,000
Non-panel: $1,000,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | As charged |
| PLAN | POLICY YEAR LIMIT | PRE- & POST-HOSPITALISATION TREATMENT | COMMUNITY HOSPITAL |
|---|
| AIA HealthShield Gold Max B Lite | $300,000 | 100 days / 100 days | As charged |
| Enhanced IncomeShield Basic | $250,000 | 100 days / 100 days | As charged up to 90 days / hospitalisation |
| GREAT SupremeHealth B PLUS | $500,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | Sub-acute and rehabilitation care at public hospitals: As charged Sub-acute care at private hospitals: $1,000 / day
Rehabilitation care at private hospitals: $800 / day |
| HSBC Life Shield Standard Plan | $200,000 | None | $430 / day |
| PRUShield Standard | $200,000 | None | $960 / day |
| Raffles Shield B | $300,000 | 90 days / 90 days | As charged up to 45 days / hospitalisation |
| Singlife Shield Plan 3 | $500,000 | Panel: 180 days / 365 days
Non-panel: 90 days / 180 days | As charged |
Data accurate as of October 2026. All values are in Singapore dollars.
The benefits below are also part of the base IP coverage and do not depend on adding a rider, although the exact limits, waiting periods and conditions can vary by plan.
- Daily ward, treatment and surgery charges are covered as charged.
- There’s no lifetime claim limit.
- Emergency treatment overseas is covered, up to what it would cost in a Singapore hospital.
- The base IP deductible is S$3,500 per policy year for Class A and private hospital plans. Whether a rider can offset any of this depends on when the rider was bought and its terms.
- You can sign up until age 75, and you’re covered for life.
More than 90% of Planner Bee clients add a rider to their Integrated Shield Plan, because it caps what they pay out-of-pocket and gives them more certainty when they claim
Still not sure which plan fits?
We’ll compare premiums for your age across all 7 insurers.
IP rider deductible and co-payment / co-insurance compared
Your Integrated Shield Plan provides the base hospital coverage shown above. Adding a rider changes how much you pay on an eligible claim and can increase selected benefits.
An IP rider reduces co-payment or co-insurance for eligible claims, but the exact percentage and whether a yearly cap applies can differ between panel and non-panel treatment.
PLAN,
RIDER | DEDUCTIBLE & CO-INSURANCE (% OF BILL) FOR PANEL | DEDUCTIBLE & CO-INSURANCE (% OF BILL) FOR NON-PANEL |
|---|
AIA HealthShield Gold Max A
AIA Max VitalHealth Pro A + Cancer Care Pro Booster | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance:
With pre-authorisation: 5% of bill, capped at $6,000 / yearWithout pre-authorisation: 5% of bill |
Enhanced IncomeShield Preferred
Essential Care Preferred | Deductible: Up to $3,500
Co-insurance: 7% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 10% of bill |
Enhanced IncomeShield Preferred
Optima Care Preferred | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 8% of bill |
GREAT SupremeHealth P PLUS
GREAT TotalCare 2 P | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill |
GREAT SupremeHealth P Prime
GREAT TotalCare 2 P Prime | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $6,000
Co-insurance: 40% of bill |
HSBC Life Shield A
Enhanced Care A II | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill |
PRUShield Premier
PRUExtra Premier Care | Deductible: Up to $3,500 + 5% of deductible above $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500++
Co-insurance: 5% of bill |
PRUShield Premier
PRUExtra Preferred Care | Deductible: Up to $3,500 + 5% of deductible above $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500++
Co-insurance: 10% of bill |
Raffles Shield A (with Raffles Hospital Option)
Choice A (with Raffles Hospital Option) Rider + Cancer Guard | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill |
Raffles Shield Private
Choice Private Rider + Cancer Guard Private Rider | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill |
Singlife Shield Plan 1
Singlife Health Plus Plan 1 | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $12,750 |
PLAN,
RIDER | DEDUCTIBLE & CO-INSURANCE (% OF BILL) FOR PANEL | DEDUCTIBLE & CO-INSURANCE (% OF BILL) FOR NON-PANEL |
|---|
AIA HealthShield Gold Max B
AIA Max VitalHealth Pro B | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill |
Enhanced IncomeShield Advantage
Essential Care Advantage | Deductible: Up to $3,500
Co-insurance: 7% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 10% of bill |
Enhanced IncomeShield Advantage
Optima Care Advantage | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 8% of bill |
GREAT SupremeHealth A PLUS
GREAT TotalCare 2 A | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill |
HSBC Life Shield B
Enhanced Care B II | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill |
PRUShield Plus
PRUExtra Plus Care | Deductible: Up to $3,500 + 5% of deductible above $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500++
Co-insurance: 5% of bill |
Raffles Shield A
Choice A Rider + Cancer Guard A Rider | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill |
Singlife Shield Plan 2
Singlife Health Plus Plan 2 | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $12,750 |
PLAN,
RIDER | DEDUCTIBLE & CO-INSURANCE (% OF BILL) FOR PANEL | DEDUCTIBLE & CO-INSURANCE (% OF BILL) FOR NON-PANEL |
|---|
AIA HealthShield Gold Max B Lite
AIA Max VitalHealth Pro B Lite | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill |
Enhanced IncomeShield Basic
Essential Care Basic | Deductible: Up to $3,500
Co-insurance: 7% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 10% of bill |
Enhanced IncomeShield Basic
Optima Care Basic | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 8% of bill |
GREAT SupremeHealth B PLUS
GREAT TotalCare 2 B | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill |
HSBC Life Shield Standard Plan
Enhanced Care Standard | Deductible: Up to $2,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $2,500
Co-insurance: 5% of bill |
Raffles Shield B
Choice B Rider + Cancer Guard B Rider | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill |
Singlife Shield Plan 3
Singlife Health Plus Plan 3 | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $6,000 / year | Deductible: Up to $3,500
Co-insurance: 5% of bill, capped at $12,750 |
Data accurate as of October 2026. All values are in Singapore dollars.
What you’d pay on a S$100,000 private hospital bill: Old vs new riders
Riders bought from 1 April 2026 can no longer cover the deductible, and their yearly co-payment cap is at least S$6,000, up from S$3,000 for most older riders. If you already have a rider, your existing terms generally continue, though older riders vary by product.
| RIDER TYPE | PANEL DOCTOR | NON-PANEL DOCTOR |
|---|
| DEDUCTIBLE | CO-INSURANCE (% OF BILL) | OVERALL OUT-OF-POCKET | DEDUCTIBLE | CO-INSURANCE (% OF BILL) | OVERALL OUT-OF-POCKET |
|---|
| AIA Max VitalHealth Pro A + Cancer Care Pro Booster | $3,500 | $4,825
(5% of bill capped at $6,000) | $8,325 | $3,500 | $4,825
(5% of bill) | $6,900 |
| Great Eastern Great TotalCare 2 P Prime | $3,500 | 5% of bill capped at $6,000 / yr | $8,325 | $6,000 | 40% of bill | $43,600 |
| Great Eastern GREAT TotalCare P Signature | $3,500 | $4,825
(5% of bill capped at $6,000) | $8,325 | $3,500 | $4,825
(5% of bill) | $8,325 |
| HSBC Life Enhanced Care A | $3,500 | $4,825
(5% of bill capped at $6,000) | $8,325 | $3,500 | $4,825
(5% of bill) | $8,325 |
| Income Essential Care | $3,500 | 7% of bill capped at $6,000 / yr | $9,500 | $3,500 | 10% of bill | $13,150 |
| Income Deluxe | $3,500 | $4,825
(5% of bill capped at $6,000) | $8,325 | $3,500 | $7,720
(8% of bill) | $11,250 |
| PRUExtra Preferred Care | $3,500 | 5% of bill capped at $6,000 / yr | $8,325 | $3,500 | 10% of bill | $13,150 |
| PRUExtra Premier CoPay | $3,500 | $4,825
(5% of bill capped at $6,000) | $8,325 | $3,500 | $4,825
(5% of bill) | $8,325 |
| Raffles Key | $3,500 | $4,825
(5% of bill capped at $6,000) | $8,325 | $3,500 | $4,825
(5% of bill capped at $12,750) | $8,325 |
| Singlife Health Plus Private Prime | $3,500 | $4,825
(5% of bill capped at $6,000) | $8,325 | $3,500 | $4,825
(5% of bill) | $8,325 |
Data accurate as of October 2026. All values are in Singapore dollars.
| RIDER TYPE | PANEL DOCTOR | NON-PANEL DOCTOR |
|---|
| DEDUCTIBLE | CO-INSURANCE (% OF BILL) | OVERALL OUT-OF-POCKET | DEDUCTIBLE | CO-INSURANCE (% OF BILL) | OVERALL OUT-OF-POCKET |
|---|
| AIA Max VitalHealth A | $0* | $3,000
(5% of bill capped at $3,000) | $3,000 | $2,000 | $4,900
(5% of bill) | $6,900 |
| AIA Max VitalHealth A Value | $3,500 | $6,000
(10% of bill capped at $6,000) | $9,500 | $3,500 | $9,650
(10% of bill) | $12,650 |
| Great Eastern GREAT TotalCare P Prime | $1,500 | $6,500
(5% of bill capped at $6,500) | $8,500 | $6,000 | $37,600
(40% of bill) | $43,600 |
| Great Eastern GREAT TotalCare P Signature | $0 | $4,825 (5% of bill) | $3,000, overall capped at $3,000 | $3,500 | $4,825
(5% of bill) | $8,325 |
| HSBC Life Enhanced Care A | $0 | $3,000
(5% of bill capped at $3,000) | $3,000 | $1,500 | $4,825
(5% of bill) | $6,325 |
| Income Classic Care | $0 | $3,000
(10% of bill capped at $3,000) | $3,000 | $2,000 | $9,800
(10% of bill) | $11,800 |
| Income Deluxe | $0 | $3,000
(5% of bill capped at $3,000) | $3,000 | $2,000 | $5,000
(5% of bill) | $7,000 |
| PRUExtra Premier CoPay | $175
(5% of deductible incurred under PruShield) | $4,825
(5% of bill) | $3,000, overall capped at $3,000 | $2,075
($2,000 + 5% of deductible incurred under main plan in excess of $2,000) | $4,825
(5% of bill) | $6,900 |
| PRUExtra Premier Lite CoPay | $1,750
(50% of deductible incurred under PruShield, capped at $1,750) | $4,825
(5% of bill) | $3,000, overall capped at $3,000 | $3,500 | $4,825
(5% of bill) | $8,325 |
| Singlife Health Plus Private Lite | $3,500 | $3,000
(5% of bill capped at $3,000) | $6,500 | $3,500 | $4,825
(5% of bill) | $8,325 |
| Singlife Health Plus Private Prime | $0 | $3,000
(5% of bill capped at $3,000) | $3,000 | $1,000 | $4,825
(5% of bill) | $5,825 |
| Raffles Key | $0 | $3,000
(5% of bill capped at $3,000) | $3,000 | $0 | $4,825
(5% of bill) | $4,825 |
Data accurate as of October 2026. All values are in Singapore dollars.
*Applicable to non-panel doctors with pre-authorisation too.
Note: Example assumes a $100,000 private hospital bill that is fully claimable, with co-insurance calculated on the bill after the S$3,500 base deductible. Your actual amount depends on your bill and policy terms.
Seen what a big bill could cost you?
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Integrated Shield Plan cancer benefits compared
Cancer coverage varies across Integrated Shield Plans (IPs), with riders offering additional benefits and higher claim limits. Since 1 April 2023, outpatient cancer drug claims have followed MOH’s Cancer Drug List (CDL) framework. Each listed drug has a monthly MediShield Life claim limit, which IPs and riders may increase. While MediShield Life does not cover drugs outside the CDL, some riders provide additional coverage for these treatments.
The tables below compare cancer benefits with and without riders across private hospitals, public Class A wards and public Class B1 wards.
Cancer benefits for IP plans without riders
Even without a rider, Integrated Shield Plans provide outpatient cancer treatment coverage. However, claim limits vary across insurers and hospital types, which can affect how much you need to pay out of pocket.
| PLAN | OUTPATIENT CANCER TREATMENT MONTHLY LIMITS FOR DRUGS ON CANCER DRUG LIST (CDL) | OUTPATIENT CANCER DRUG SERVICES MONTHLY LIMIT | OUTPATIENT CANCER DRUG TREATMENT LIMITS FOR DRUGS NOT ON CANCER DRUG LIST |
|---|
| AIA HealthShield Gold Max A | 5x MSHL limit | 5x MSHL limit / year | $0 |
| Enhanced IncomeShield Preferred |
| GREAT SupremeHealth P PLUS |
| GREAT SupremeHealth P Prime |
| HSBC Life Shield A |
| PRUShield Premier |
| Raffles Shield A (with Raffles Hospital Option) |
| Raffles Shield Private |
| Singlife Shield Plan 1 |
| PLAN | OUTPATIENT CANCER TREATMENT MONTHLY LIMITS FOR DRUGS ON CANCER DRUG LIST (CDL) | OUTPATIENT CANCER DRUG SERVICES MONTHLY LIMIT | OUTPATIENT CANCER DRUG TREATMENT LIMITS FOR DRUGS NOT ON CANCER DRUG LIST |
|---|
| AIA HealthShield Gold Max B | 5x MSHL limit | 5x MSHL limit / year | $0 |
| Enhanced IncomeShield Advantage |
| GREAT SupremeHealth A PLUS |
| HSBC Life Shield B |
| PRUShield Plus |
| Raffles Shield A |
| Singlife Shield Plan 2 |
| PLAN | OUTPATIENT CANCER TREATMENT MONTHLY LIMITS FOR DRUGS ON CANCER DRUG LIST (CDL) | OUTPATIENT CANCER DRUG SERVICES MONTHLY LIMIT | OUTPATIENT CANCER DRUG TREATMENT LIMITS FOR DRUGS NOT ON CANCER DRUG LIST |
|---|
| AIA HealthShield Gold Max B Lite | 5x MSHL limit | 5x MSHL limit / year | $0 |
| Enhanced IncomeShield Basic |
| GREAT SupremeHealth B PLUS |
| HSBC Life Shield Standard Plan |
| PRUShield Standard |
| Raffles Shield B |
| Singlife Shield Plan 3 |
Data accurate as of October 2026. All values are in Singapore dollars.
Cancer benefits for IP plans with riders
Adding a rider can increase your cancer treatment coverage, including higher claim limits for cancer drugs and additional benefits for drugs not on the Cancer Drug List (CDL). Here’s how the plans compare.
PLAN,
RIDER | OUTPATIENT CANCER TREATMENT MONTHLY LIMITS FOR DRUGS ON CANCER DRUG LIST (CDL) | OUTPATIENT CANCER DRUG SERVICES MONTHLY LIMIT | OUTPATIENT CANCER DRUG TREATMENT LIMITS FOR NON-CDL DRUGS |
|---|
AIA HealthShield Gold Max A
AIA Max VitalHealth Pro A + Cancer Care Pro Booster | 21x MSHL limit | 15x MSHL limit / year | $200,000 / year |
Enhanced IncomeShield Preferred
Essential Care Preferred | 23x MSHL limit | 5x MSHL limit / year | $15,000 / month |
Enhanced IncomeShield Preferred
Optima Care Preferred |
GREAT SupremeHealth P PLUS
GREAT TotalCare 2 P | 20x MSHL limit | 20x MSHL limit / year | $200,000 / year |
GREAT SupremeHealth P Prime
GREAT TotalCare 2 P Prime | 15x MSHL limit | 15x MSHL limit / year | $200,000 / year |
HSBC Life Shield A
Enhanced Care A II | 23x MSHL limit | 20x MSHL limit / year | $30,000 / month |
PRUShield Premier
PRUExtra Premier Care | 20x MSHL limit | 20x MSHL limit / year | $150,000 / year |
PRUShield Premier
PRUExtra Preferred Care |
Raffles Shield A (with Raffles Hospital Option)
Choice A (with Raffles Hospital Option) Rider + Cancer Guard | 23x MSHL limit | 20x MSHL limit / year | $250,000 / year |
Raffles Shield Private
Choice Private Rider + Cancer Guard Private Rider | 23x MSHL limit | 20x MSHL limit / year | $250,000 / year |
Singlife Shield Plan 1
Singlife Health Plus Plan 1 | 5x MSHL limit + $10,000 | 5x MSHL limit / year | $10,000 / month |
PLAN,
RIDER | OUTPATIENT CANCER TREATMENT MONTHLY LIMITS FOR DRUGS ON CANCER DRUG LIST (CDL) | OUTPATIENT CANCER DRUG SERVICES MONTHLY LIMIT | OUTPATIENT CANCER DRUG TREATMENT LIMITS FOR NON-CDL DRUGS |
|---|
AIA HealthShield Gold Max B
AIA Max VitalHealth Pro B | 21x MSHL limit | 15x MSHL limit / year | $100,000 / year |
Enhanced IncomeShield Advantage
Essential Care Advantage | 23x MSHL limit | 5x MSHL limit / year | $15,000 / month |
Enhanced IncomeShield Advantage
Optima Care Advantage | 23x MSHL limit | 5x MSHL limit / year | $7,000 / month |
GREAT SupremeHealth A PLUS
GREAT TotalCare 2 A | 15x MSHL limit | 15x MSHL limit / year | $175,000 / year |
HSBC Life Shield B
Enhanced Care B II | 23x MSHL limit | 20x MSHL limit / year | $30,000 / month |
PRUShield Plus
PRUExtra Plus Care | 20x MSHL limit | 20x MSHL limit / year | $150,000 / year |
Raffles Shield A
Choice A Rider + Cancer Guard A Rider | 23x MSHL limit | 20x MSHL limit / year | $250,000 / year |
Singlife Shield Plan 2
Singlife Health Plus Plan 2 | 20x MSHL limit | 5x MSHL limit / year | $15,000 / month |
PLAN,
RIDER | OUTPATIENT CANCER TREATMENT MONTHLY LIMITS FOR DRUGS ON CANCER DRUG LIST (CDL) | OUTPATIENT CANCER DRUG SERVICES MONTHLY LIMIT | OUTPATIENT CANCER DRUG TREATMENT LIMITS FOR NON-CDL DRUGS |
|---|
AIA HealthShield Gold Max B Lite
AIA Max VitalHealth Pro B Lite | 21x MSHL limit | 15x MSHL limit / year | $100,000 / year |
Enhanced IncomeShield Basic
Essential Care Basic | 15x MSHL limit / year | 5x MSHL limit / year | $6,000 / month |
Enhanced IncomeShield Basic
Optima Care Basic |
GREAT SupremeHealth B PLUS
GREAT TotalCare 2 B | 15x MSHL limit | 15x MSHL limit / year | $150,000 / year |
HSBC Life Shield Standard Plan
Enhanced Care Standard | 3x MSHL limit | 2x MSHL limit / year | $5,000 / month |
Raffles Shield B
Choice B Rider + Cancer Guard B Rider | 23x MSHL limit | 20x MSHL limit / year | $250,000 / year |
Singlife Shield Plan 3
Singlife Health Plus Plan 3 | 20x MSHL limit | 5x MSHL limit / year | $15,000 / month |
Data accurate as of October 2026. All values are in Singapore dollars.
What does an Integrated Shield Plan cost as you age?
The cost of medical insurance in Singapore rises with age. IP premiums are based on how old you are now, not how old you were when you bought the plan, so they rise as you move into higher age bands. Here are the 3 cheapest plans with riders for each hospital type, and what they cost at 35, 50 and 65.
Private ward with lower co-payment riders
PLAN,
RIDER | AGE 35 | AGE 50 | AGE 65 |
|---|
| Raffles Shield Private + Choice A / Cancer Guard Private Rider | $692.99 | $1,642.13 | $5,112.69 |
| Singlife Shield Plan 1 + Health Plus Private Rider | $784.00 | $1,899.50 | $6,121.26 |
| PRUShield Premier + PRUExtra Premier CoPay | $953.00 | $1,772.00 | $6,184.00 |
Private ward with higher co-payment riders
PLAN,
RIDER | AGE 35 | AGE 50 | AGE 65 |
|---|
Raffles Shield A (Raffles Hospital Option) + Choice A / Cancer Guard | $330.27 | $847.52 | $3,121.26
|
GREAT SupremeHealth P Prime + GREAT TotalCare 2 P Prime | $490.25 | $984.86 | $4,027.05 |
PRUShield Premier + PRUExtra Preferred Care | $515.00 | $1,042.00
| $4040.00 |
Public A ward with lower co-payment riders
PLAN,
RIDER | AGE 35 | AGE 50 | AGE 65 |
|---|
| GREAT SupremeHealth A Plus + GREAT TotalCare 2 A | $109.00 | $210.37 | $856.24 |
| Singlife Shield Plan 2 + Singlife Health Plus Plan 2 | $125.00 | $215.00 | $1,000.75 |
| Income Enhanced IncomeShield Advantage + Optima Care Advantage | $165.00 | $259.00 | $851.00 |
Public A ward with higher co-payment riders
PLAN,
RIDER | AGE 35 | AGE 50 | AGE 65 |
|---|
| Income Enhanced IncomeShield Advantage + Essential Care Advantage | $74.00 | $122.00 | $422.00 |
Data accurate as of October 2026. All values are in Singapore dollars.
Note: Plans are ranked by premium at age 35. Ages shown are age next birthday. Insurers may revise their rates, so future premiums could be higher. What you actually pay depends on the insurer you choose.
What this means: MediSave pays only S$300 to S$900 a year toward your plan’s private insurance portion, and nothing for riders. As premiums rise with age, you’ll pay most of the increase in cash, so choose a plan you can afford at 65, not just today.
How can you get your personalised Integrated Shield Plan insurance quote?
From your first quote to getting covered, Planner Bee makes the process simple and free, with no pressure.
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Our system obtains quotes through MAS-licensed insurers and prepare a side-by-side breakdown for your profile.
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A specialist goes through the options with you, explains the policy illustration, and answers anything you’re unsure about.
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Once you’ve chosen an option, we help with the application and follow up with the insurer until your policy is active.
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How to choose the best Integrated Shield Plan
Wondering how to buy an Integrated Shield Plan? Start by narrowing your shortlist with these five factors.
Ward and hospital type
Start by choosing between private hospital, public Class A or Class B1. This affects your deductible, claim limits and premium. Upgrading later usually means new underwriting, so think about what you may want in future too.
Panel doctors
Check whether the specialists you already see are on the insurer’s panel. Your rider’s yearly cap and cashless admission usually depend on using a panel doctor or getting pre-authorisation.
How the rider works
Most riders now have a 5% co-payment and S$6,000 yearly cap. The important part is where the cap applies, whether a claim affects your future premium, and what extra benefits you get.
Cancer cover
Look at how much each plan pays for cancer drugs on and off the Cancer Drug List, especially if you have a family history of cancer.
Premiums over time
Don’t just compare today’s price. Check what the plan and rider could cost at 60 and 70, and how much you’ll need to pay in cash.
WHY US
Why compare with Planner Bee?
We help you compare suitable options side by side based on your budget and coverage needs. Our comparisons are independent, our advisors are MAS-licensed, and our service is free.
✓ Compare plans across 11+ insurers
✓ Help you understand payment terms, riders, coverage, and cash value
✓ Support you before, during, and after claims
✓ Provide personalised policy illustrations
✓ Give transparent, pressure-free recommendations with no hard selling
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Why should you trust Planner Bee?
Frequently asked questions
1. Which is the best Integrated Shield Plan in Singapore?
No single plan is best for everyone. Decide between private hospital, Class A or Class B1 cover first. Then compare claim limits, pre- and post-hospitalisation cover, panel doctors, rider benefits, cancer cover and future premiums.
2. How much does an Integrated Shield Plan cost?
It depends on your age, your ward class and whether you add a rider. Based on our comparison, the cheapest private hospital plan with a lower co-payment rider costs about S$693 a year at age 35, rising to about S$5,113 at 65. For a Class A plan with a lower co-payment rider, it’s about S$109 at 35 and S$856 at 65. Premiums at 65 are roughly seven to eight times those at 35. See the tables above for more plans and ages.
3. Can I pay for my Integrated Shield Plan with MediSave?
Partly. MediSave fully covers the MediShield Life portion and up to S$300, S$600 or S$900 a year of the rest, depending on your age next birthday. Riders are paid fully in cash, but when you claim you can use MediSave for your deductible and co-payment, subject to withdrawal limits.
4. Can foreigners buy an Integrated Shield Plan?
Yes. Foreigners can apply for selected Integrated Shield Plans in Singapore, though not every insurer or plan is available to them, and most require a valid long-term pass. Premiums are higher than for Singapore Citizens and PRs because the insurer also covers the benefits MediShield Life would otherwise provide. Premiums must also be paid fully in cash, as foreigners cannot use MediSave.
5. Can I get an Integrated Shield Plan if I have a pre-existing condition?
Usually, yes. The insurer may accept you fully, exclude the condition or decline you, and outcomes differ by insurer, so it’s worth comparing. If the condition is excluded, MediShield Life still covers it, but always declare your medical history, because non-disclosure can lead to a rejected claim or cancelled policy.
6. Can I have more than one Integrated Shield Plan?
No, you can only have one IP at a time. If you’re switching, keep your current plan until the new one is approved and in force.
7. Can I downgrade or cancel my IP if it gets too expensive?
Yes. Most people drop the rider first or downgrade within the same insurer (e.g. private to Class A), which usually doesn’t need new underwriting, and existing terms and exclusions carry over. If you cancel, you keep MediShield Life but get nothing back since IPs have no cash value, so talk to us first about the cheapest way to keep the cover you need.
Get a personalised Integrated Shield Plan insurance quote
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