Posted on April 30th 2018




Integrated Shield Plan

This article first appeared on

When it comes to health insurance, one of the most important health insurance policies that all Singaporeans and Permanent Residents (PRs) should consider getting is a private integrated shield plan.

A private integrated shield plan (IP) helps policyholders cover any potential cost that may be incurred if they are hospitalised, either in public or private hospitals.

A private integrated shield plan comprises of two components. The first is MediShield Life. All Singaporeans and PRs are automatically covered under MediShield Life, Singapore’s basic health insurance plan. Coverage is provided regardless of age or pre-existing conditions.

The main limitation with MediShield Life is that coverage provided will be pegged to the expected treatment cost in Class B2 or C wards in public hospital. What this means is that if a patient chooses