BEST INTEGRATED SHIELD PLANS

What is an Integrated Shield Plan?

An Integrated Shield (IP) Plan supplements the existing MediShield Life plan that covers all Singaporeans and Permanent residents (PRs). Unlike the government-issued MediShield Life, the IP is not compulsory.

And, while MediShield Life is managed by the Central Provident Fund Board, the IP component is managed by selected private insurers in Singapore to cover your treatments in private hospitals, public hospital Class A or Class B1 wards.

Why is hospitalisation insurance necessary?

Hospitalisation insurance protects you from one of the biggest financial risks you might ever face — healthcare expenses. An unexpected accident or illness can be costly enough to wipe out your savings and retirement funds.

Get quote

There are seven private insurers offering IPs

AIA: HealthShield Gold Max
Aviva: MyShield
AXA: AXA Shield
Great Eastern: SupremeHealth
NTUC Income: Enhanced IncomeShield
Prudential: PruShield
Raffles Health Insurance: Raffles Shield

What is an Integrated Shield Plan?

An Integrated Shield (IP) Plan supplements the existing MediShield Life plan that’s mandatory for all Singaporeans and PRs. Unlike the government-issued MediShield Life, the IP is not compulsory.

And, while MediShield Life is managed by the Central Provident Fund Board, the IP component is managed by selected private insurers in Singapore to cover your treatments in private hospitals, public hospital Class A or Class B1 wards.

Why is health insurance necessary?

Hospitalisation insurance protects you from one of the biggest financial risks you might ever face — healthcare expenses. An unexpected accident or illness can be costly enough to wipe out your savings and retirement funds.

Get quote

There are seven private insurers offering IPs

AIA: HealthShield Gold Max
Aviva: MyShield
AXA: AXA Shield
Great Eastern: SupremeHealth
NTUC Income: Enhanced IncomeShield
Prudential: PruShield
Raffles Health Insurance: Raffles Shield

Highest claim limit: AXA Shield Plan A
Most value for money rider: NTUC Classic Care rider & Aviva MyHealth Plus A-II
Longest post hospitalisation – Panel: AIA HealthShield Gold Max A
Longest post hospitalisation – Non-panel: PruShield Premier & AXA Shield A
Best for preggers: AIA HealthShield Gold Max A, Aviva MyShield & GREAT SupremeShield

Compare Integrated Shield Plans by Ward Class

Benefits standard across all plans

Daily Ward and Treatment Charges & Surgery
As Charged
Cancer Treatment and Kidney Dialysis
Major Organ Transplant
Pregnancy and Delivery-Related Complications Benefit
Lifetime Claim limit Unlimited
Last Entry Age / Maximum Coverage Age 75 / Lifetime
Deductibles per policy year
Class C $1,500Class B2 $2,000Class B1 $2,500Class A and Private hospital $3,500
Co-insurance 10%

Key benefits

Benefit with highest limit

Insurer Pre- & Post-Hospitalisation (Days) Community Hospital Deductibles (Per Policy Year) Day surgery / Short stay wards
Policy Year Limit
Income Enhanced IncomeShield Preferred Panel: 180 / 365 daysNon-panel: 100 / 100 days As Charged (up to 90 days for each admission) $2,000 – $3,500 $1,500,000
AIA HealthShield Gold Max A Panel: 13 / 13 mthsNon-panel: 100 / 100 days As Charged $2,000
Panel: $2,000,000 Non-panel $1,000,000
Great EasternGREAT SupremeHealth P PLUS Panel: 120 / 365 daysNon-panel: 120 / 180 days Sub-acute Care: $1,100/day Rehabilitation Care: $780/day $3,500 $1,500,000
Prudential PruShield Premier 180 / 365 days As Charged $1,000-$2,000 $1,200,000
Aviva MyShield Plan 1 Panel: 180 / 365 daysNon-panel: 90 / 180 days As Charged $2,000 – $3,500
Panel with pre-auth: $2,000,000
Non-panel $1,000,000
AXA Shield A 180 / 365 days As Charged (up to 45 days) $3,000
Panel: $2,500,000
Non-panel $1,000,000
Raffles Health Insurance Raffles Shield Private Panel: 180 / 365 daysNon-panel: 90 / 180 days As Charged (up to 45 days) $2,000-$3,000
Panel: $1,600,000
Non-panel $600,000

Additional benefits

Insurer Inpaitent Psychiatric Living Donor Organ Transplant as insured Congenital Abnormalities Benefit Inpatient Palliative Care
Emergency / Planned overseas treatment
Income $7,000/yr $60,000 / transplant As Charged (with 12-month waiting period) As Charged
As Charged but limited to costs of Singapore private hospitals
AIA $5,000/yr (Additional post-hospitalisation psychiatric treatment of $5,000/yr within 200 days after Confinement) $60,000 / transplant As Charged As Charged
Reimburse the Eligible Expenses (Benefit payable shall be limited to the level of Reasonable and Customary charges in a Singapore Private Hospital)
Great Eastern $25,000/yr (Including pre & post hospitalisation benefits) $60,000 / transplant $20,000/yr (Within 730 days of last policy effective date)As Charged(After 730 days from last policy effective date) $800/day
As Charged but limited to costs of Singapore private hospitals
Prudential $4,000/yr $60,000/ yr
$20,,000/yr (If diagnosed or symptoms first appear within 24 months)
As Charged(If diagnosed or symptoms first appear after 24 months)
As Charged (paying the lower of:– the overseas charges; or– in accordance with a Singapore Private Hospital’s charges)
Aviva As Charged (up to 60 days) [with 10-month waiting period]$500/day (up to 35 days) [without waiting period] $50,000/lifetime
As Charged(with 12-month waiting period)
As Charged but limited to costs of Singapore private hospitals
AXA Up to $5,000, capped at 35 days / policy yr (Additional post-hospitalisation psychiatric treatment of $5,000 / policy yr, within 200 days after discharge) $60,000 / transplant
As Charged(with 12-month waiting period)
As Charged (pegged to Reasonable and Customary charges of Singapore Private Hospitals)
Raffles $8,000/yr (Includes post hospitalisation psychiatric treatment up to 90 days) $60,000 / transplant
As Charged(with 24-month waiting period)
As Charged (limited to Panel charges and subject to Pro-ration factor)

Pregnancy related benefits

Insurer Free new-born benefit Congenital Abnormalities Benefit of Insured’s biological child from birth
Pregnancy complications
Income As charged
AIA [Only for insured female] $20,000/ lifetimeLimited to $5,000/child As charged
Great Eastern $20,000 / lifetime Limited to $5,000 / child As charged
Prudential As charged
Aviva $50,000 / yr As charged
AXA As charged
Raffles As charged
Item Income Enhanced IncomeShield Preferred AIA HealthShield Gold Max A Great EasternGREAT SupremeHealth P PLUS Prudential PruShield Premier Aviva MyShield Plan 1 AXA Shield A
Raffles Health Insurance Raffles Shield Private
Daily Ward and Treatment Charges & Surgery
As Charged
Kidney Dialysis / Cancer Treatment
Pregnancy and Delivery-Related Complications Benefit
Major Organ Transplant
Lifetime claim limit Unlimited
Policy Year Limit $1,500,000 Panel: $2,000,000Non-panel $1,000,000 $1,500,000 $1,200,000  Panel with pre-auth: $2,000,000Non-panel $1,000,000 Panel: $2,500,000Non-panel $1,000,000
Panel: $1,600,000
Non-panel $600,000
Pre- & Post-Hospitalisation Treatment (Panel includes Public hospitals) Panel: 180 / 365 daysNon-panel: 100 / 100 days Panel: 13 / 13 mthsNon-panel: 100 / 100 days Panel: 120 / 365 daysNon-panel: 120 / 180 days 180 / 365 days Panel: 180 / 365 daysNon-panel: 90 / 180 days 180 / 365 days
Panel: 180 / 365 days
Non-panel: 90 / 180 days
Community Hospital As Charged(up to 90 days for each admission) As Charged Sub-acute Care: $1,100/day Rehabilitation Care: $780/day As Charged As Charged As Charged (up to 45 days)
As Charged (up to 45 days)
Inpatient Psychiatric $7,000/yr $5,000/yr (Additional post-hospitalisation psychiatric treatment of $5,000/yr within 200 days after Confinement) $25,000/yr (Including pre & post hospitalisation benefits) $4,000/yr  As Charged (up to 60 days) [with 10-month waiting period]$500/day (up to 35 days) [without waiting period] Up to $5,000, capped at 35 days / policy yr (Additional post-hospitalisation psychiatric treatment of $5,000 / policy yr, within 200 days after discharge)
$8,000/yr (Includes post hospitalisation psychiatric treatment up to 90 days)
Inpatient Palliative Care As Charged As Charged $800/day
Living Donor Organ Transplant as insured $60,000 / transplant $60,000 / transplant $60,000 / transplant $60,000/ yr $50,000/lifetime $60,000 / transplant
$60,000 / transplant
Congenital Abnormalities Benefit As Charged (with 12-month waiting period) As Charged $20,000/yr (Within 730 days of last policy effective date)As Charged (After 730 days from last policy effective date) $20,000/yr (If diagnosed or symptoms first appear within 24 months)As Charged (If diagnosed or symptoms first appear after 24 months) As Charged (with 12-month waiting period) As Charged (with 12-month waiting period)
As Charged (with 24-month waiting period)
Congenital Abnormalities Benefit of Insured’s biological child from birth
[Only for insured female] $20,000/ lifetimeLimited to $5,000/child
$20,000 / lifetime
Limited to $5,000 / child
Critical Illnesses
Additional $100,000 policy yr limit (for 30 Critical Illnesses)
Additional $150,000/yr (for 5 Critical Illnesses)
Emergency overseas treatment As Charged but limited to costs of Singapore private hospitals Reimburse the Eligible Expenses (Benefit payable shall be limited to the level of Reasonable and Customary charges in a Singapore PrivateHospital) As Charged but limited to costs of Singapore private hospitals
As Charged (paying the lower of:– the overseas charges; or– in accordance with a Singapore Private Hospital’s charges)
As Charged but limited to costs of Singapore private hospitals
As Charged (pegged to Reasonable and Customary charges of Singapore Private Hospitals)
As Charged (limited to Panel charges and subject to Pro-ration factor)
Planned overseas treatment
Final Expense Benefit $5,000 $5,000 $7,000 $5,000 $10,000 $5,000
Free new-born benefit
$50,000 / yr
Deductibles (Per policy year) Class B2 $2,000Class B1 $2,500Class A and Private hospital $3,500
Deductibles (Per policy year)Day surgery / Short stay wards $2,000 – $3,500 $2,000 $3,500 $1,000-$2,000 $2,000 – $3,500 $3,000 $2,000-$3,000
Co-insurance 10%
Last Entry Age / Maximum Coverage Age Age 75 / Lifetime

Source: MOH, NTUC, AIA, Aviva, AXA, Great Eastern, Prudential, Raffles Health Insurance. Only As Charged plans are featured

Benefits standard across all plans

Daily Ward and Treatment Charges & Surgery
As Charged
Cancer Treatment and Kidney Dialysis
Major Organ Transplant
Pregnancy and Delivery-Related Complications Benefit
Lifetime Claim limit Unlimited
Last Entry Age / Maximum Coverage Age 75 / Lifetime
Deductibles per policy year
Class C $1,500Class B2 $2,000Class B1 $2,500Class A and Private hospital $3,500
Co-insurance 10%

Key benefits

Benefit with highest limit

Insurer Pre- & Post-Hospitalisation (Days) Community Hospital Deductibles (Per Policy Year) Day surgery / Short stay wards
Policy Year Limit
Income Enhanced IncomeShield Advantage Panel: 180 / 365 days Non-panel: 100 / 100 days As Charged (up to 90 days for each admission) $2,000 – $5,250 $500,000
AIA HealthShield Gold Max B 180 / 180 days (with additional 100 days for 30 critical illnesses) As Charged $2,000
$1,000,000 Additional $75,000 (for 30 Critical Illnesses)
Great Eastern GREAT SupremeHealth A PLUS Panel: 120 / 365 days Non-panel: 120 / 180 days Sub-acute Care: $1,100/day Rehabilitation Care: $780/day $1,500 – $3,500 $1,000,000
Prudential PruShield Plus 180 / 365 days As Charged $1,500 – $2,000
$600,000 / Unlimited
Aviva MyShield Plan 2 Panel: 180 / 365 days Non-panel: 90 / 180 days As Charged $2,000 – $3,500
$1,000,000 Additional $100,000(for 5 Critical Illnesses)
AXA Shield Plan B 180 / 365 days As Charged (up to 45 days) $3,000 $550,000
Raffles Health Insurance Raffles Shield A Panel: 180 / 365 days Non-panel: 90 / 180 days As Charged (up to 45 days) $2,000-$3,000 $600,000

Additional benefits

Insurer Inpatient Psychiatric Living Donor Organ Transplant as insured Congenital Abnormalities Benefit Inpatient Palliative Care Emergency  / Planned overseas treatment
Income $7,000/yr $40,000 / transplant As Charged (with 12 months waiting period) As Charged As Charged but limited to costs of ward class A in Singapore restructured hospitals
AIA $4,000/yr (Additional post-hospitalisation psychiatric treatment of $2,500/yr within 200 days after confinement) $40,000 / transplant As Charged As Charged Reimburse the Eligible Expenses (Benefit payable shall be limited to the level of Reasonable and Customary charges in a Singapore Private Hospital)
Great Eastern $22,000/yr (Including pre & post hospitalisation benefits) $40,000 / transplant $15,000/yr (Within 730 days of last policy effective date)As Charged (After 730 days from last policy effective date) $780/day As Charged (But limited to Singapore Restructured Hospitals, Class A Ward charges)
Prudential $3,500/yr $40,000/ yr $15,000/yr (If diagnosed or symptoms first appear within 24 months) As Charged (If diagnosed or symptoms first appear after 24 months) As Charged (paying the lower of:– the overseas charges; or– in accordance with a Singapore Restructured Hospital’s charges)
Aviva As Charged (up to 45 days) [with 10-month waiting period ]$500/day (up to 35 days) [without waiting period] $30,000 / lifetime As Charged(with 12 months waiting period) As Charged (pegged to costs of restructured hospitals in Singapore)
AXA Up to $4,000, capped at 35 days / policy yr (Additional post-hospitalisation psychiatric treatment of $2,500 / policy yr, within 200 days after discharge) $40,000 / transplant As Charged (with 12-month waiting period) As Charged (pegged to Reasonable and Customary charges of Singapore Restructured Hospitals)
Raffles $6,000/yr (Includes post hospitalisation psychiatric treatment up to 90 days) $40,000/transplant As Charged (with 24-month waiting period) As Charged (limited to Singapore Restructured Hospital Class A Ward charges)

Pregnancy related benefits

Insurer Free new-born benefit Congenital Abnormalities Benefit of Insured’s biological child from birth
Pregnancy complications
Income As charged
AIA [Only for insured female] $16,000/lifetimeLimited to $4,000/child As charged
Great Eastern $16,000/lifetime Limited to $4,000/child As charged
Prudential As charged
Aviva $50,000/yr As charged
AXA As charged
Raffles As charged
Item Income Enhanced IncomeShield Advantage AIA HealthShield Gold Max B Great Eastern GREAT SupremeHealth A PLUS Prudential PruShield Plus Aviva MyShield Plan 2 AXA Shield Plan B
Raffles Health Insurance Raffles Shield A
Daily Ward and Treatment Charges & Surgery
As Charged
Kidney Dialysis / Cancer Treatment
Pregnancy and Delivery-Related Complications Benefit
Major Organ Transplant
Lifetime claim limit Unlimited
Policy Year Limit $500,000 $1,000,000 $1,000,000 $600,000 $1,000,000 $550,000
$600,000
Pre- & Post-Hospitalisation Treatment (Panel includes Public hospitals) 100 / 100 days 180 / 180 days (with additional 100 days for 30 critical illnesses) Panel: 120 / 365 daysNon-Panel: 120 / 180 days 180 / 365 days Panel: 180 / 365 daysNon-Panel: 90 / 180 days 180 / 365 days
Panel: 180 / 365 days
Non-Panel: 90 / 180 days
Community Hospital As Charged (up to 90 days for each admission) As Charged Sub-acute Care: $1,100/day Rehabilitation Care: $780/day As Charged As Charged As Charged (up to 45 days)
As Charged (up to 45 days)
Inpatient Psychiatric $7,000/yr $4,000/yr (Additional post-hospitalisation psychiatric treatment of $2,500/yr within 200 days after Confinement) $22,000/yr (Including pre & post hospitalisation benefits) $3,500/yr As Charged (up to 45 days) [with 10-month waiting period] $500/day (up to 35 days) [without waiting period] Up to $4,000, capped at 35 days / policy yr (Additional post-hospitalisation psychiatric treatment of $2,500 / policy yr, within 200 days after discharge)
$6,000/yr (Includes post hospitalisation psychiatric treatment up to 90 days)
Inpatient Palliative Care As Charged As Charged $780/day
Living Donor Organ Transplant as insured $40,000 / transplant $40,000 / transplant $40,000 / transplant $40,000 / yr $30,000 / lifetime $40,000 / transplant
$40,000 / transplant
Congenital Abnormalities Benefit As Charged (with 12 months waiting period) As Charged $15,000/yr (Within 730 days of last policy effective date)As Charged (After 730 days from last policy effective date) $15,000/yr (If diagnosed or symptoms first appear within 24 months) As Charged (If diagnosed or symptoms first appear after 24 months) As Charged (with 12-month waiting period) As Charged (with 12-month waiting period)
As Charged (with 24-month waiting period)
Congenital Abnormalities Benefit of Insured’s biological child from birth
[Only for insured female] $16,000/ lifetime Limited to $4,000/child (with 10 month waiting period)
$16,000 / lifetime Limited to $4,000 / child (with 300 days waiting period)
Critical Illnesses
Additional $75,000 policy yr limit (for 30 Critical Illnesses)
Additional $100,000/yr (for 5 Critical Illnesses)
Emergency overseas treatment As Charged but limited to costs of ward class A in Singapore restructured hospitals Reimburse the Eligible Expenses (Benefit payable shall be limited to the level of Reasonable and Customary charges in a Singapore Private Hospital) As Charged (But limited to Singapore Restructured Hospitals, Class A Ward charges) As Charged (paying the lower of:– the overseas charges; or– in accordance with a Singapore Restructured Hospital’s charges) As Charged (pegged to costs of restructured hospitals in Singapore) As Charged (pegged to Reasonable and Customary charges of Singapore Restructured Hospitals)
As Charged (limited to Singapore Restructured Hospital Class A Ward charges)
Planned overseas treatment
As Charged (paying the lower of:– the overseas charges; or– in accordance with a Singapore Restructured Hospital’s charges)
As Charged (pegged to costs of restructured hospitals in Singapore)
Proration factors / Proration factors for Private Outpatient Clinics Private Hospitals – 65% Private Hospitals – 70% Private Hospitals – 70% Private Hospitals – 65% Private hospitals/ Hospitals outside Singapore -50% Private Hospitals – 70%
Raffles Hospital – 70% Private Hospitals (except Raffles Hospital) – 60%
Final Expense Benefit $5,000 $3,500 $6,000 $3,000 $10,000 $4,000
Free new-born benefit
$50,000 / yr
Deductibles (Per policy year) Class B2 $2,000Class B1 $2,500Class A and Private hospital $3,500
Deductibles (Per policy year)Day surgery / Short stay wards $2,000 – $5,250 $2,000 $1,500 – $3,500 $1,500 – $2,000 $2,000 – $3,500 $3,000 $2,000-$3,000
Co-insurance 10%
Last Entry Age / Maximum Coverage Age Age 75 / Lifetime

Riders attached to IPs

With an IP, you will still be required to pay for the deductible and co-insurance out-of-pocket.
 
Adding on a rider can help to reduce the out-of-pocket costs.
 
Here you can view the benefits of the riders side-by-side. We are comparing the out-of-pocket costs based on a $100,000 claim (Deductible based on Private hospital / Public A ward).
 

Value for money with higher out of pocket

Lowest overall out of pocket for panel claim

 
Income Classic Care rider AIA Max VitalHealth A rider Great Eastern
GREAT Totalcare (ELITE-P) rider
PRUExtra Premier CoPay / PRUExtra Preferred CoPay rider Aviva MyHealthPlus C-II rider AXA Enhanced care rider Raffles Key Rider
Panel Non-panel Panel & Non-panel with pre-authorisation Non-panel Panel with pre-authorisation Non-panel Panel Non-panel Panel with pre-authorisation Non-panel Panel Non-panel Panel Non-panel
Deductible $0 $2,000 $0 $2,000 $0 $0 5% of deductible $500 $1,000 $0 $1,500 $0 $0
Co-payment 10% capped at $3,000 / yr 10% 5% capped at $3000 / yr 5% 5% capped at $3,000 5%
50% of co-insurance amount
  50% of co-insurance amount, capped at $3,000/yr 50% of co-insurance amount 5% Capped at $3,000 / yr 5% 5% Capped at $3,000 / yr 5%
Overall out of pocket $3,000 $12,000 $3,000 $7,000 $3,000 $5,000 $3,000
(Overall cap $3,000/yr)
$5,000 $3,500 $6,000 $3,000 $6,500 $3,000 $5,000
 
 
Income Deluxe rider
 
Great Eastern
GREAT TotalCare (CLASSIC-P) rider
PRUExtra Premier Lite CoPay rider Aviva MyHealthPlus A-II rider
 
 
Panel Non-panel Panel Non-panel Panel Non-panel Panel with pre-authorisation Non-panel
Deductible $0 $0 $0
Deductible or 5% whichever higher
50% of deductible amount (capped at $1,750 / yr)
  100% of deductible
Co-payment 5% capped at $3000 / yr 5% 5%
50% of co-insurance amount
  50% of co-insurance amount, capped at $3,000/yr 50% of co-insurance amount
Overall out of pocket $3,000 $5,000 $5,000 $5,000 $3,000 (Overall cap of $3,000 / yr) $6,575 $6,500 $8,500
 
Claims based pricing No Yes Yes Yes No No No

Source: MOH, NTUC, AIA, Aviva, AXA, Great Eastern, Prudential, Raffles Health Insurance. Only As Charged plans are featured

All the options confusing you?

We shop the top insurers for you, saving you time and money.

Get advice

Understanding MediShield Life

MediShield Life is designed to cover B2/C class ward costs.

MediShield Life is designed to be affordable for the masses, which means its coverage is comparatively minimal.

According to the Ministry of Health, some two-thirds of patients in Singapore opt for Class B2 or Class C wards when admitted to hospitals.

If you’d prefer to stay in a higher class ward or in a private hospital, MediShield Life benefits offered in this higher class wards will be pro-rated based on the costs in Class B2/C wards before claims are computed. You can choose to pay for the difference using your MediSave, cash savings, or an IP. 

Source: MOH

Claim limits are capped by category with MediShield Life 

In the unfortunate event that you get hospitalised, the maximum claimable limit for surgeries is $2,600. Considering surgery fees tend to run into the thousands, it’s easy to see why Singaporeans and PRs turn to Integrated Shield Plans to lighten the brunt of costly surgical procedures. 

MediShield Life also doesn’t cover you for pre- or post-hospitalisation treatments. This include medical consultations and scans, physiotherapy, or post-surgery follow-up sessions. In fact, such treatments often amount to more than the actual surgery itself, making it all the more important that you factor in these additional costs. 

Hospitalisation Bill Item MediShield Life alone With an Integrated Shield Plan
Surgical fees Up to SGD2,600
Up to annual claim limit .e.g SGD2 Million
Annual limit SGD150,000
Daily ward charges SGD800/day
Chemotherapy SGD3,000/month
Pre- and post hospital medical expenses $0 Up to 365 days pre- and 13 months post- hospital stay

What’s the difference between hospital wards in Singapore?

In Singapore, there are several kinds of hospital-class wards in public hospitals. Here’s a quick look at how they differ. Facilities may differ depending on which medical institution you’re admitted to.

Hospital Ward /
Class Type
Facilities
Public C Five to six beds
No air-conditioning; fan ventilation
Shared bathroom
Public B2 Five beds
No air-conditioning; fan ventilation
Shared bathroom
Public B1 Four beds
Air-conditioning with fan ventilation
Shared bathroom
TV and telephone
A1 One bed
Air-conditioning with fan ventilation
En suite shower and toilet
TV and telephone
Day bed
Public Private hospital One bed
Air-conditioning
TV and telephone
Day bed (2-4 beds are available too)

Extracted from Sengkang General Hospital and Mount Elizabeth Hospital

Back to top

How does an Integrated Shield Plan complement MediShield Life?

Integrated Shield Plans help to increase your benefits to cover costs of treatments incurred in B1 wards, up to Private hospitals. 

Note that there is no duplicate coverage or double premium payment if you opt to have an IP.

Source: MOH

So how much of your bill can you claim for?

Depending on the tier of coverage you have, we have illustrated how the claims will differ.

In general, the cost out of your own pocket will be the lowest when you are covered by an IP and rider, while treated by an panel doctor. The out-of-pocket sum differs slightly from each insurer, Refer to the comparison above with example.

Note: The above diagram is for illustrative purposes only. Please note that pro-ration will apply for private hospital bill or public/restructured hospital class A/B1 ward bill under MediShield Life, which is sized for class B2/C bills.

Types of Integrated Shield Plans available

  • Private hospital

  • Public A ward class

  • Public B ward class

Get quote

Paying for your Integrated Shield Plans and Rider premiums

The premiums for all hospitalisation insurance increases with age and this applies to the premiums for MediShield Life and IPs too. The increase reflects the higher propensity for older people to require medical treatments.

Annual premiums for your IP can be made via your MediSave account up to a limit. This limit is also known as the Additional Withdrawal Limits. This limit applies to each insured person, and not per medisave account. Which means you could use your MediSave account to pay for your parent’s, spouse’s, sibling’s and children’s IPs and the limits would apply separately.

The limit that Singaporeans and PRs can draw from their MediSave account increases with age, to help accommodate the raised premiums. 

This table shows the maximum amount that could be used from the MediSave account to pay for IPs. 

Age Additional Withdrawal Limit (Annual)
40 and below SGD 300
41 to 70 SGD 600
71 and above SGD 900

Example:

Paul purchased IPs for himself and his wife. He is 39 years old and his wife 41.

The total withdrawal limits will be $300 + $600, totaling $900 each year. If the premium for the IP is $350 for himself and $610 for his wife, he will be able to use $900 from his MediSave account to pay for his premiums and the remaining $60 ($50+$10) in cash.

Premiums for Riders

Premiums for riders that are attached to your IP can only be paid via cash.

Back to top

What happens if I need to make a claim under my Integrated Shield Plan? 

There are some key points to note when you need to utilise your insurance. 

IPs work on a reimbursement basis, which means you will need to pay first and claim from your insurance later. There are some ways to work around having to pay a huge sum upfront.

Depending on whether you have a rider or not, and if you are treated by the insurer’s approved panel doctor, your claim limits will differ. Refer to section above.

Pre-authorisation (Must do if it’s not an emergency)

If you are planning for a procedure in advance, it’s recommended to get a pre-authorisation done before the day of admission. 

Benefits of pre-authorisation

  • Cashless admission: the bill will be sent to the insurer directly with little to no cash payout required from your end
  • Increased claim limits such a longer pre- and post-hospitalisation duration and higher overall claim limits  
Letter of Guarantee to waive off deposit (Only for Singaporeans and PRs)

A Letter of Guarantee (LOG) is a letter issued by insurers to selected hospitals to fully or partially waive the hospital upfront cash deposit for hospitalisations or surgeries, based on the estimated portion of the bill covered by the insurance. An LOG can be applied through “Electronic-filing” during the admission process at the hospital. This can reduce the upfront cash deposit amount that you have to make with the hospital. 

All IP insurers provide LOGs and you may check with your IP insurer for more information.

If the bill is larger than the LOG amount, upon discharge, you may still be required by your hospital to settle your hospital bill. Once your insurer assesses your claim, the insurer will make payment to the hospital and you will be reimbursed by the hospital.

Common reasons for not providing a Letter of Guarantee

  • Estimated bill size is below the deductible
  • Duration between policy inception and LOG application is shorter than insurer’s stipulated minimum duration for LOG eligibility
  • Medical condition is a pre-existing medical condition that the policyholder had before the commencement of the policy
  • Medical condition is excluded from the policy
  • General exclusions, such as pregnancy and maternity expenses

Source: MOH

Filing of claim

If you are a Singapore citizen or PR, the LOG “Electronic-filing” would mean that your claim has been filed.

If you are a foreigner, in most cases (unless you do a pre-authorisation), you will need to pay for the bill first and get reimbursed after. 

Read more about what is covered and what is not under your IP.

How fast are the claims processed?

According to MOH, most claims are processed by the insurer within 3 days. 

Source: MOH (1 January to 31 March 2021)

1 Median Claims Processing Duration means that 50 out of 100 claims are processed by the insurer within the indicated number of days in the table. 2 75th Percentile Claims Processing Duration means 75 out of 100 claims are processed by the insurer within the indicated number of days in the table. * As RHI was approved to provide IPs from 16 July 2018 onwards, the number of claims processed by RHI is currently insufficient for analysis. Note: The number of days that insurers take to process claims include the time it takes to obtain medical records from claimants or medical institutions

The statistics refer to claims from Integrated Shield Plan and does not include rider claims. It also does not reveal the number of rejected claims and the difficulty of the pre-authorisation of the claims.

Back to top

How do you know if you have one already?

If you’re unsure of whether your current health insurance plan is an Integrated Shield Plan, you can simply log on to the Central Provident Fund (CPF) website to check. Make sure you have your SingPass in order to check.

  1. Go to cpf.gov.sg
  2. Log on to my cpf Online Services
  3. Go to “My Messages
  4. See “Insurance” section to see which insurer you are under
  5. Login to the respective insurer customer portal to retrieve details of your plan.

Managing rising healthcare costs

Research by MOH found that medical bills are 60% higher when there is no need for patients to pay anything. To manage rising healthcare costs, MOH implemented a range of initiatives which included 

  • Fee Benchmarks Advisory Committee in January 2018
  • With effect from 1st April 2021, all IP riders have to incorporate a co-payment of at least 5% and Insurers can set a co-payment cap of $3,000 or more per policy year. For example, if you incur a hospitalisation bill of $15,000, a 5% co-payment will mean having to fork out $750, with the remaining $14,250 being covered by the private Integrated Shield plan.
  • MOH is monitoring doctors who charge excessive fees and will take action against doctors who overcharge or over-service.

For existing policyholders with full riders, we go through the implications of this change in this article.

Some insurers have also implemented a claims based pricing to incentivise those who make no claims. Policyholders who do not make a claim will enjoy a discount off their rider premiums. This will range between 20% to 25%, depending on the insurer. 

Prudential has claims-based pricing in place since 2017. Great Eastern has implemented it since March 2021 and AIA in April 2021.  Aviva has indicated plans to launch this in 2022.

While this appears to benefit healthy policyholders, it could become detrimental when we eventually fall ill. So it will be good to factor in additional funds for increased premium rates when you draw out your budget for insurance premiums.

If you do decide to get an Integrated Shield Plan, take the time to properly peruse your options before committing, and consider setting a personal budget you can actually stick to. Getting covered for private hospitals might not be necessary, particularly if you’re concerned about premium costs more than the comfort and convenience.

Found this article useful? Share it with your friends. 

Back to top

Submit your interest