It is a common misconception that you can either choose MediShield Life or Integrated Shield Plan, the truth is, you can’t.
Integrated Shield Plan is like an add-on to your MediShield Life, Integrated Shield Plan enhances your MediShield Life coverage by a bit or even a whole lot (depending on which plan you go for).
TL;DR Integrated Shield plan adds on to your coverage on your existing MediShield Life. You should cover yourself with an Integrated Shield Plan if you wish to stay in Private Hospital or Public Hospital Class A/B1 Wards. AXA offers the lowest premium AIA offers the highest coverage Aviva offers planned overseas treatment. Integrated Shield Plan consists of 2 parts: Part 1: MediShield Life Part 2: Additional Private Insurance Coverage