BEST INTEGRATED SHIELD PLANS (UPDATED APRIL 2024)

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.

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There are seven private insurers offering IPs

AIA: HealthShield Gold Max
Singlife: Singlife Shield (Previously Myshield by Aviva)
HSBC Life: HSBC Life Shield
Great Eastern: SupremeHealth
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
Singlife: Singlife Shield
HSBC Life: HSBC Life Shield (Previously AXA Shield)
Great Eastern: SupremeHealth
Income: Enhanced IncomeShield
Prudential: PruShield
Raffles Health Insurance: Raffles Shield

Highest claim limit: HSBC Life Shield Plan A
Outpatient benefits: AIA HealthShield Gold Max, HSBC Life Shield
Most value-for-money rider: Great Eastern Classic Care & Singlife Health Plus Lite
Longest post hospitalisation – Panel: AIA HealthShield Gold Max A
Longest post hospitalisation – Non-panel: PruShield Premier & HSBC Life Shield A
Best for preggers: AIA HealthShield Gold Max A, Singlife Shield & GREAT SupremeShield

Comparing 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 limitUnlimited
Last Entry Age / Maximum Coverage Age75 / Lifetime
Deductibles per policy year
Class C $1,500,
Class B2 $2,000,
Class B1 $2,500,
Class A & Private hospital $3,500
Co-insurance10%

Key benefits

Benefit with highest limit

Panel: Refers to getting treated by insurer’s panel doctor

Non-panel: Refers to getting treated by doctors outside of the insurer’s pre-approved panel list

InsurerPre- & Post-Hospitalisation (Days)Community HospitalDeductibles (Per Policy Year)Day surgery / Short stay wardsPolicy Year Limit
AIA HealthShield Gold Max APanel: 13 / 13 mths Non-panel: 100 / 100 daysAs Charged$2KPanel: $2M Non-panel $1M
Great Eastern GREAT SupremeHealth P PLUSPanel: 120 / 365 daysNon-panel: 120 / 180 daysSub-acute Care: $1,100/day Rehabilitation Care: $780/day$3.5K$1.5M
HSBC Life Shield A180 / 365 daysAs Charged (up to 45 days)$3KPanel: $2.5M Non-panel $1M
Income Enhanced IncomeShield PreferredPanel: 180 / 365 days Non-panel: 100 / 100 daysAs Charged (up to 90 days for each admission)$2K – $3.5K$1.5M
Prudential PruShield Premier180 / 365 daysAs Charged$1K-$2K$1.2M
Singlife Shield Plan 1Panel: 180 / 365 daysNon-panel: 90 / 180 daysAs Charged$2K – $3.5KPanel with pre-auth: $2.5M Non-panel $1M
Raffles Health Insurance Raffles Shield PrivatePanel: 180 / 365 daysNon-panel: 90 / 180 daysAs Charged (up to 45 days)$2K-$3KPanel: $1.6M Non-panel $600K

Pregnancy complications

InsurerFree new-born benefitCongenital Abnormalities Benefit of Insured’s biological child from birth
Pregnancy complications
AIA HealthShield Gold Max A[Only for insured female] $20,000/lifetime. Limited to $5,000/childAs charged
Great Eastern GREAT SupremeHealth P PLUS$20,000/lifetime. Limited to $5,000/childAs charged
HSBC Life Shield Plan AAs charged
Income Enhanced IncomeShield PreferredAs charged
Prudential PruShield Premier$20,000/lifetime. Limited to $5,000/childAs charged
Singlife Shield Plan 1$50,000/yrAs charged
Raffles Health Insurance Raffles Shield PrivateAs charged

Additional benefits

InsurerInpaitent PsychiatricLiving Donor Organ Transplant as insuredCongenital Abnormalities BenefitInpatient Palliative CareEmergency / Planned overseas treatment
AIA HealthShield Gold Max A$5K/yr (Additional post-hospitalisation psychiatric treatment of $5K/yr within 200 days after Confinement)$60K/transplantAs ChargedAs ChargedAs Charged but limited to costs of Singapore private hospitals
Great Eastern GREAT SupremeHealth P PLUS$25K/yr (Including pre & post hospitalisation benefits)$60K/transplantAs Charged$800/dayAs Charged but limited to costs of Singapore private hospitals
HSBC Life Shield AUp to $5K, capped at 60 days / policy yr (Additional post-hospitalisation psychiatric treatment of $5,000 / policy yr, within 200 days after discharge)$60K/transplantAs Charged (with 12-mth waiting period)As ChargedAs Charged but limited to costs of Singapore private hospitals
Income Enhanced IncomeShield Preferred$7K/yr$60K/transplantAs Charged (with 12-mth waiting period)As ChargedAs Charged but limited to costs of Singapore private hospitals
Prudential PruShield Premier$4K/yr$60K/yrAs Charged (with 12-mth waiting period)As ChargedAs Charged but limited to costs of Singapore private hospitals
Singlife Shield Plan 1As Charged (up to 60 days) [with 10-mth waiting period] $500/day (up to 35 days) [without waiting period]$50K/lifetimeAs Charged(with 12-mth waiting period)As ChargedAs Charged but limited to costs of Singapore private hospitals
Raffles Health Insurance Raffles Shield Private$8K/yr (Includes post hospitalisation psychiatric treatment up to 90 days)$60K/transplantAs Charged(with 24-mth waiting period)$760/dayAs Charged (limited to Panel charges and subject to Pro-ration factor)
Plan AIA HealthShield Gold Max A Great Eastern GREAT SupremeHealth P PLUS HSBC Life Shield A Income Enhanced IncomeShield Preferred Prudential PruShield Premier Singlife Shield Plan 1 Raffles Health Insurance Raffles Shield Private
Policy year limitPanel: $2,000,000 Non-panel $1,000,000$1,500,000Panel: $2,500,000 Non-panel $1,000,000$1,500,000Panel: $2,000,000 Non-panel $1,200,000Panel with pre-auth: $2,000,000 Non-panel $1,000,000Panel: $1,600,000 Non-panel $600,000
Lifetime claim limitUnlimited
Daily ward and treatment charges & surgery
As Charged
Major organ transplant
Pregnancy and delivery-related complications benefit
Kidney dialysis
Outpatient cancer treatment monthly limits: Drugs on Cancer drug list (CDL)5x MediShield Life (MSHL) limits5x MSHL limit 5x MSHL limits5x MSHL limit5x MSHL limit5x MSHL limits4x MSHL limit
Outpatient Cancer drug services5x MSHL Life limit5x MSHL limit5x MSHL limit5x MSHL limit5x MSHL limit5x MSHL limit4x MSHL limit
Outpatient cancer drug treatment: Drugs NOT on Cancer drug list (CDL)$0$0$0$0$0$0$0
Pre- & post-hospitalisation treatment (Panel includes Public hospitals)Panel: 13 / 13 mths Non-panel: 100 / 100 daysPanel: 120 / 365 days Non-panel: 120 / 180 days180 / 365 daysPanel: 180 / 365 days Non-panel: 100 / 100 days180 / 365 daysPanel: 180 / 365 days Non-panel: 90 / 180 daysPanel: 180 / 365 days Non-panel: 90 / 180 days
Community hospitalAs ChargedSub-acute Care: $1,100/day Rehabilitation Care: $780/dayAs Charged (up to 45 days)As Charged (up to 90 days for each admission)As ChargedAs ChargedAs Charged (up to 45 days)
Inpatient psychiatric$5,000/yr (Additional post-hospitalisation psychiatric treatment of $5,000/yr within 200 days after Confinement)$5,000/yrUp to $5,000, capped at 60 days / policy yr (Additional post-hospitalisation psychiatric treatment of $5,000 / policy yr, within 200 days after discharge)$7,000/yr$4,000/yrAs Charged (up to 60 days) [with 10-month waiting period] $500/day (up to 35 days) (without waiting period)$8,000/yr (Includes post hospitalisation psychiatric treatment up to 90 days)
Inpatient palliative careAs Charged$800/dayAs ChargedAs ChargedAs ChargedAs Charged$760/day
Living donor organ transplant as insured$60,000 / transplant$60,000 / transplant$60,000 / transplant$60,000 / transplant$60,000/ yr$50,000/lifetime$60,000 / transplant
Congenital abnormalities benefitAs ChargedAs chargedAs Charged (with 12-month waiting period)As Charged (with 12-month waiting period)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/lifetime. Limited to $5,000/child$20,000/lifetime Limited to $5,000 / child     
Critical illnessesAdditional $100,000/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
As Charged but limited to costs of Singapore private hospitalsAs Charged but limited to costs of Singapore private hospitalsAs 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 (limited to Panel charges and subject to Pro-ration factor)
Planned overseas treatment    
Final expense benefit$5,000$7,000 $5,000$5,000$10,000$5,000
Free new-born benefit     $50,000/yr 
Deductibles (Per policy year)Class B2 $2,000, Class B1 $2,500, Class A and Private hospital $3,500
Deductibles (Per policy year)Day surgery / Short stay wards$2,000$3,500$3,000$2,000 – $3,500$1,000-$2,000$2,000 – $3,500$2,000-$3,000
Co-insurance10%
Last entry age / Maximum coverage ageAge 75 / Lifetime

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 limitUnlimited
Last Entry Age / Maximum Coverage Age75 / Lifetime
Deductibles per policy year
Class C $1,500,
Class B2 $2,000,
Class B1 $2,500,
Class A & Private hospital $3,500
Co-insurance10%

Key benefits

Benefit with highest limit

InsurerInpaitent PsychiatricLiving Donor Organ Transplant as insuredCongenital Abnormalities BenefitInpatient Palliative CareEmergency / Planned overseas treatment
AIA HealthShield Gold Max B$4K/yr (Additional post-hospitalisation psychiatric treatment of $2.5K/yr within 200 days after Confinement)$40K/transplantAs ChargedAs ChargedAs Charged but limited to costs of Singapore public hospitals A ward)
Great Eastern GREAT SupremeHealth A PLUS$22K/yr (Including pre & post hospitalisation benefits)$40K/transplantAs charged$780/dayAs Charged but limited to costs of Singapore public hospitals A ward)
HSBC Life Shield BUp to $4K, capped at 60 days / policy yr (Additional post-hospitalisation psychiatric treatment of $2,500 / policy yr, within 200 days after discharge)$40K/transplantAs Charged(with 12-mth waiting period)As ChargedAs Charged but limited to costs of Singapore public hospitals A ward)
Income Enhanced IncomeShield Advantage$7K/yr$40K/transplantAs Charged (with 12-mth waiting period)As ChargedAs Charged but limited to costs of Singapore public hospitals A ward)
Prudential PruShield Plus$7K/yr$40K/yr$15K/yr (If diagnosed or symptoms first appear within 24 mths)As Charged (If diagnosed or symptoms first appear after 24 mths)As ChargedAs Charged (paying the lower of:- the overseas charges; or- in accordance with a Singapore Private Hospital’s charges)
Singlife Shield Plan 2As Charged (up to 45 days) [with 10-mth waiting period] $500/day (up to 35 days) [without waiting period]$30K/lifetimeAs Charged(with 12-mth waiting period)As ChargedAs Charged but limited to costs of Singapore private hospitals
Raffles Health Insurance Raffles Shield A$6K/yr (Includes post hospitalisation psychiatric treatment up to 90 days)$40K/transplantAs Charged(with 24-mth waiting period)$760/dayAs Charged (limited to Panel charges and subject to Pro-ration factor)

Pregnancy related benefits

InsurerFree new-born benefitCongenital Abnormalities Benefit of Insured’s biological child from birth
Pregnancy complications
AIA HealthShield Gold Max B[Only for insured female] $16,000/lifetime. Limited to $4,000/childAs charged
Great Eastern GREAT SupremeHealth A PLUS$16,000/lifetime. Limited to $4,000/childAs charged
HSBC Life Shield Plan BAs charged
Income Enhanced IncomeShield AdvantageAs charged
Prudential PruShield PlusAs charged
Singlife Shield Plan 2$50,000/yrAs charged
Raffles Health Insurance Raffles Shield AAs charged
ItemAIA HealthShield Gold Max BGreat Eastern GREAT SupremeHealth A PLUSHSBC Life Shield Plan BIncome Enhanced IncomeShield AdvantagePrudential PruShield PlusSinglife Shield Plan 2Raffles Health Insurance Raffles Shield A
Policy year limit$1,000,000$1,000,000$550,000$500,000$1,000,000$1,000,000$600,000
Lifetime claim limitUnlimited
Daily ward and treatment charges & surgery
As Charged
Major organ transplant
Pregnancy and delivery-related complications benefit
Kidney dialysis
Outpatient cancer treatment monthly Limits: Drugs on Cancer drug list (CDL)5x MediShield Life (MSHL) limit5x MSHL limit5x MSHL limit4x MSHL limit5x MSHL limit5x MSHL limit4x MSHL limit
Outpatient Cancer drug services5x MSHL limit5x MSHL limit5x MSHL limit4x MSHL limit5x MSHL limit5x MSHL limit4x MSHL limit
Outpatient cancer drug treatment: Drugs NOT on Cancer drug list (CDL)$0$0$0$0$0$0$0
Pre- & post-hospitalisation treatment (Panel includes Public hospitals)180 / 180 days (with additional 100 days for 30 critical illnesses)Panel: 120 / 365 days Non-Panel: 120 / 180 days180 / 365 days100 / 100 days180 / 365 daysPanel: 180 / 365 days Non-Panel: 90 / 180 daysPanel: 180 / 365 days Non-Panel: 90 / 180 days
Community hospitalAs ChargedSub-acute Care: $1,100/day Rehabilitation Care: $780/dayAs Charged (up to 45 days)As Charged (up to 90 days for each admission)As ChargedAs ChargedAs Charged (up to 45 days)
Inpatient psychiatric$4,000/yr (Additional post-hospitalisation psychiatric treatment of $2,500/yr within 200 days after Confinement)$4,500/yrUp to $4,000, capped at 60 days / policy yr (Additional post-hospitalisation psychiatric treatment of $2,500 / policy yr, within 200 days after discharge)$7,000/yr$7,000/yrAs Charged (up to 45 days) [with 10-month waiting period] $500/day (up to 35 days) [without waiting period]$6,000/yr (Includes post hospitalisation psychiatric treatment up to 90 days)
Inpatient palliative CareAs Charged$780/dayAs ChargedAs ChargedAs ChargedAs Charged$760/day
Living Donor organ transplant as insured$40,000/transplant$40,000/transplant$40,000/transplant$40,000/transplant$40,000/yr$30,000/lifetime$40,000/transplant
Congenital abnormalities benefitAs ChargedAs ChargedAs Charged (with 12-mth waiting period)As Charged (with 12-mth waiting period)$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-mth waiting period)As Charged (with 24-mth 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 $4,00 /child (with 300 days waiting period)     
Critical illnessesAdditional $75,000/yr limit (for 30 Critical Illnesses)    Additional $100,000/yr (for 5 Critical Illnesses) 
Emergency overseas treatmentAs Charged (But limited to Singapore Restructured Hospitals, Class A Ward charges))As Charged (But limited to Singapore Restructured Hospitals, Class A Ward charges)As Charged (But limited to Singapore Restructured Hospitals, Class A Ward charges)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 (But limited to Singapore Restructured Hospitals, Class A Ward charges)As Charged (But limited to Singapore Restructured Hospitals, 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 clinicsPrivate Hospitals – 70%Private Hospitals – 70%Private Hospitals – 70%Private Hospitals – 65%Private Hospitals – 65%Private hospitals/ Hospitals outside Singapore – 50%Raffles Hospital – 70% Private Hospitals (except Raffles Hospital) – 60%
Final expense benefit$3,500$6,000 $5,000$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$1,500 – $3,500$3,000$2,000 – $5,250$1,500 – $2,000$2,000 – $3,500$2,000-$3,000
Co-insurance10%
Last entry age / Maximum coverage ageAge 75 / Lifetime

Additional benefits

InsurerInpaitent PsychiatricLiving Donor Organ Transplant as insuredCongenital Abnormalities BenefitInpatient Palliative CareEmergency / Planned overseas treatment
AIA HealthShield Gold Max B$4K/yr (Additional post-hospitalisation psychiatric treatment of $2.5K/yr within 200 days after Confinement)$40K/transplantAs ChargedAs ChargedAs Charged but limited to costs of Singapore public hospitals A ward)
Great Eastern GREAT SupremeHealth A PLUS$22K/yr (Including pre & post hospitalisation benefits)$40K/transplantAs charged$780/dayAs Charged but limited to costs of Singapore public hospitals A ward)
HSBC Life Shield BUp to $4K, capped at 60 days / policy yr (Additional post-hospitalisation psychiatric treatment of $2,500 / policy yr, within 200 days after discharge)$40K/transplantAs Charged(with 12-mth waiting period)As ChargedAs Charged but limited to costs of Singapore public hospitals A ward)
Income Enhanced IncomeShield Advantage$7K/yr$40K/transplantAs Charged (with 12-mth waiting period)As ChargedAs Charged but limited to costs of Singapore public hospitals A ward)
Prudential PruShield Plus$7K/yr$40K/yr$15K/yr (If diagnosed or symptoms first appear within 24 mths)As Charged (If diagnosed or symptoms first appear after 24 mths)As ChargedAs Charged (paying the lower of:- the overseas charges; or- in accordance with a Singapore Private Hospital’s charges)
Singlife Shield Plan 2As Charged (up to 45 days) [with 10-mth waiting period] $500/day (up to 35 days) [without waiting period]$30K/lifetimeAs Charged(with 12-mth waiting period)As ChargedAs Charged but limited to costs of Singapore private hospitals
Raffles Health Insurance Raffles Shield A$6K/yr (Includes post hospitalisation psychiatric treatment up to 90 days)$40K/transplantAs Charged(with 24-mth waiting period)$760/dayAs Charged (limited to Panel charges and subject to Pro-ration factor)

Source: MOHAIA, Singlife, HSBC, Great Eastern, Prudential, Raffles, Income. Only As Charged plans are featured

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 cost you have to pay based on a $100,000 claim in a private hospital (Deductible based on Private hospital / Public A ward).
 
Riders with higher premiums and overall lower out of pocket 
Rider type
Panel doctorNon-panel
DeductibleCo-payment (% of bill)Overall out of pocketDeductibleCo-payment (% 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
Great Eastern GREAT Totalcare P Signature$0$3,000
(5% of bill capped at $3,000)
$3,000$0$4,825
(5% of bill)
$4,825
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 Deluxe$0$3,000
(5% of bill capped at $3,000)
$3,000$0$4,825
(5% of bill)
$4,825
PRUExtra Premier CoPay / PRUExtra Preferred CoPay$175
(5% of deductible incurred under PruShield)
$4,825
(5% of bill)
$3,000 (Capped at $3,000)$175
(5% of deductible incurred under PruShield)
$4,825
(5% of bill)
$5,325
Singlife Health Plus Private Prime$0$3,000
(5% of bill capped at $3,000)
$3,000$500$4,825
(5% of bill)
$5,325
Raffles Key$0$3,000
(5% of bill capped at $3,000)
$3,000$0$4,825
(5% of bill)
$4,825

* Applicable to non-panel doctors with pre-authorisation too

Riders with lower premiums and higher out of pocket
 
Rider type
Panel doctorNon-panel
DeductibleCo-payment (% of bill)Overall out of pocketDeductibleCo-payment (% of bill)
Overall out of pocket
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 Optimum$0$3,000
(5% of bill capped at $3,000)
$3,000$3,500$4,825
(5% of bill)
$4,825
(Whichever higher)
Income Classic Care$0$3,000
(10% of bill capped at $3,000)
$3,000$2,000$9,800
(10% of bill)
$11,800
PRUExtra Premier Lite CoPay$1,750
(50% of deductible incurred under PruShield, capped at $1,750)
$4,825
(5% of bill)

$3,000 (Capped at $3,000)

$1,750
(50% of deductible incurred under PruShield, capped at $1,750)
$4,825
(5% of bill)
$6,575
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 capped at $12,750)

$8,325

Source: MOHAIA, Singlife, HSBC, Great Eastern, Prudential, Raffles, Income. Only As Charged plans are featured

 

Claims-based pricing on riders

Claims based pricing was introduced in recent years. Premiums are adjusted based on the claims that you make in the previous year. Here we collated the list of riders that took on this approach.

RiderClaims based pricing
AIA Max VitalHealth ANo
Great Eastern GREAT Totalcare P SignatureYes, 20% discount for renewals if there are no claims. Premiums can increase up to 2.5 times after claims. Link to details.
HSBC Life Enhanced Care ANo
Income DeluxeNo
PRUExtra Premier CoPay / PRUExtra Preferred CoPayYes, 20% discount for renewals if there are no claims. Premiums can increase up to 3 times after claims. Link to details.
Singlife Health Plus Private PrimeYes, 15% discount for renewals if there are no claims. Premiums will not increase with claims.
Raffles KeyNo
AIA Max VitalHealth A ValueNo
Great Eastern GREAT TotalCare P OptimumYes, 20% discount for renewals if there are no claims. Premiums can increase up to 2.5 times after claims
Income Classic CareNo
PRUExtra Premier Lite CoPayNo
Singlife Health Plus Private LiteYes, 15% discount for renewals if there are no claims. Premiums will not increase with claims.

Enhanced cancer benefits with additional riders

Plan with applicable riderOutpatient 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 + AIA Max VitalHealth A rider + AIA Max A Cancer Care Booster rider16x Medishield Life (MSHL) limit10x Medishield Life limit
Up to $200,000 / yr
AIA HealthShield Gold Max A + AIA Max VitalHealth A rider5x MSHL limit5x MSHL limit$0
Great Eastern GREAT SupremeHealth P PLUS + Great TotalCare P rider15x MSHL limit15x MSHL limit
Up to $200,000 / yr
HSBC Life Shield A + Enhanced Care rider18x MSHL limit15x MSHL limit$30,000 / mth
Income Enhanced IncomeShield Preferred + Deluxe Care rider10x MSHL limit5x MSHL limit
Up to $15,000 / mth
Prudential PruShield Premier + PruExtra rider20x MSHL limit20x MSHL limit
Up to $150,000 / yr
Singlife Shield Plan 1 + Cancer Cover Plus II riderUp to $1.5million/ yr
Singlife Shield Plan 1 + Health Plus rider5x MSHL limit5x MSHL limit
Up to $30,000 / yr
Raffles Health Insurance Shield Private + Cancer Guard rider23x MSHL limit15x MSHL limit
Up to $250,000 / year
Raffles Health Insurance Shield Private + Premier rider4x MSHL limit4x MSHL limit
Up to $30,000 / year
Plan with applicable riderOutpatient Cancer Treatment monthly limits for drugs on Cancer drug list (CDL)Outpatient Cancer drug services monthly limitOutpatient Cancer drug treatment limits for drugs NOT on Cancer drug list
AIA HealthShield Gold Max B + AIA Max VitalHealth B rider10x MediShield Life (MSHL) limit8x MSHL Life limitUp to $50,000 / yr
Great Eastern GREAT SupremeHealth A PLUS + Great TotalCare A rider18x MSHL limitAs ChargedUp to $175,000 / yr
HSBC Life Shield B + Enhanced Care rider18x MSHL limit15x MSHL limit$30,000 / mth
Income Enhanced IncomeShield Advantage + Deluxe Care rider8x MSHL limit5x MSHL limitUp to $7,000 / mth
Prudential PruShield Premier + PruExtra rider20x MSHL limit20x MSHL limitUp to $150,000 / yr
Singlife Shield Plan 2 + Cancer Cover Plus II riderUp to $1.5million/ yr
Singlife Shield Plan 2 + Health Plus rider5x MSHL limit5x MSHL limitUp to $30,000 / yr
Raffles Health Insurance Shield Private + Cancer Guard rider12x MSHL limit12x MSHL limitUp to $200,000 / year
Raffles Health Insurance Shield Private + Premier rider4x MSHL limit4x MSHL limitUp to $30,000 / year

Singlife Cancer Care Plus II can purchased even if you are not currently covered under a Singlife IP. If your current IP does not provide sufficient coverage for cancer treatments, you may purchase this rider to enhance the benefits. This is extremely beneficial for those who have pre-existing conditions and are concerned about cancer treatment costs.

Contact us for more information.

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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. 

Bill ItemMediShield Life aloneWith an Integrated Shield Plan
Surgical feesUp to S$2,600
Up to annual claim limit .e.g S$2 Million
Annual limitS$150,000
Daily ward chargesS$800/day
ChemotherapyS$2,000/mth for cancer drug treatment on CDL
S$1,200/mth for cancer drug services
Up to 15x monthly MSHL limits
Pre- and post hospital medical expensesS$0Up 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 CFive to six beds
No air-conditioning; fan ventilation
Shared bathroom
Public B2Five beds
No air-conditioning; fan ventilation
Shared bathroom
Public B1Four beds
Air-conditioning with fan ventilation
Shared bathroom
TV and telephone
A1One bed
Air-conditioning with fan ventilation
En suite shower and toilet
TV and telephone
Day bed
Private hospitalOne bed
Air-conditioning
TV and telephone
Day bed (2-4 beds are available too)

Extracted from Sengkang General Hospital and Mount Elizabeth Hospital

 

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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

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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.

AgeAdditional Withdrawal Limit (Annual)
40 and belowS$300
41 to 70S$600
71 and aboveS$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 S$300 + S$600, totaling S$900 each year. If the premium for the IP is S$350 for himself and S$610 for his wife, he will be able to use S$900 from his MediSave account to pay for his premiums and the remaining S$60 (S$50+S$10) in cash.

Premiums for Riders

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

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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 2 days, improved from 3 days in 2021. 

Source: MOH

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.

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.

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.

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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

  1. 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 S$3,000 or more per policy year. For example, if you incur a hospitalisation bill of S$15,000, a 5% co-payment will mean having to fork out S$750, with the remaining S$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, AIA in April 2021 and Singlife in March 2023.

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.

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