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Private Medical Insurance SchemePrivate Medical Insurance Scheme<p>The Private Medical Insurance Scheme (PMIS) allows CPF members to use their MediSave savings to buy Integrated Shield Plans (IPs) for yourself and your family members (refers to parents, spouse, children, grandparents and siblings).</p><p>Integrated Shield Plans comprise two parts, a MediShield Life component managed by the Central Provident Fund (CPF) Board, and additional benefits offered by private insurers.</p><p>From 1 November 2015, since MediShield Life has replaced MediShield, the MediShield Life component has also replaced the MediShield component in IPs. The MediShield Life component of your IP covers you for life, including your pre-existing conditions. This is the case even if your pre-existing conditions are not covered under the additional coverage from your private insurer.</p><p>You can read more on MediShield Life at <a href="" target="_blank">​</a>.</p>TrueTrueTrueResources;#Forms;#Others;#



Understand What is an Integrated Shield Plan?<p>An Integrated Shield Plan (IP) is a medical insurance plan which offers additional benefits on top of that provided by MediShield Life. Members who buy such integrated plans will also be covered under MediShield Life, subject to eligibility conditions such as age and citizenship status.</p><p>The MediShield portion of your IP has been replaced by MediShield Life from 1 November 2015. Under MediShield Life, all Singapore Citizens and Permanent Residents, regardless of age, will continue to be covered by MediShield Life.</p><p>Even though the IP is jointly insured by the private insurer and the CPF Board, you only need to approach the private insurer as the single point of contact on matters relating to any claims.​</p>Private Medical Insurance Scheme15951595
UnderstandWhat is the Standard Integrated Shield Plan (IP)?<p>​The Standard IP is a private insurance product targeted at covering large hospital bills and selected costly outpatient treatments at the Class B1 level in Singapore's public hospitals.</p><p>It serves to give Singaporeans an option for additional coverage beyond basic MediShield Life in a standardised, easily understood package. It will also be a viable option for those who want to switch from their Class A and Private Hospital IPs to a more affordable plan.</p><p>The benefits of Standard IP are regulated by the Government, and are identical across all insurers.</p><p> Similar to all other IPs, premiums for the additional private insurance coverage component of the Standard IP are set by the private insurers. </p>Private Medical Insurance Scheme18781733
Understand How much of my MediSave savings can I use to buy an Integrated Shield Plan (IP)?<p>Singaporeans Citizens and Permanent Residents can pay for their MediShield Life premiums fully using MediSave. For those with IPs, there are Additional Withdrawal Limits (AWLs) to enable Singaporeans to use MediSave, up to a cap, to pay the additional premium for the private insurance component of IPs. The AWLs apply on top of the amount of MediSave used for MediShield Life premiums:</p><ul style="list-style-type:disc;"><li>$300 if you are 40 years old or younger on your next birthday.</li><li>$600 if you are 41 to 70 years old on your next birthday.</li><li>$900 if you are 71 years or older on your next birthday</li></ul><p>Each insured person can only have one Integrated Shield Plan paid with MediSave.<br></p>Private Medical Insurance Scheme16121612
Understand Who should buy an Integrated Shield Plan and how can I buy one?<p>If you want to have additional insurance protection on top of what MediShield Life provides, such as coverage for your stay in private hospitals or A or B1 wards in public hospitals, you can consider buying an Integrated Shield Plan. You can buy one of these plans from the following <a href="/Assets/members/Documents/ListOfInsurersContactInformation.pdf" target="_blank"> participating private insurers</a> (PDF, 0.3MB):</p><ol><li style="margin-bottom:3px;">AlA Singapore</li><li style="margin-bottom:3px;">Aviva </li><li style="margin-bottom:3px;">AXA Insurance</li><li style="margin-bottom:3px;">Great Eastern Life </li><li style="margin-bottom:3px;">NTUC Income </li><li style="margin-bottom:3px;">Prudential Assurance</li><li style="margin-bottom:3px;">Raffles Health Insurance</li> </ol>Private Medical Insurance Scheme16131613
EvaluateWhat are the differences among the Integrated Shield Plans?<p>You can refer to the <a href="" target="_blank">comparison of Integrated Shield Plans</a>.</p><p>Please contact the <a href="/Assets/members/Documents/List_of_Private_Insurers.pdf" target="_blank">participating private insurers</a> (PDF, 0.4MB) directly if you want more details on the various Integrated Shield Plans they offer.</p>Private Medical Insurance Scheme16141614
EvaluateCan I use my MediSave to buy more than one Integrated Shield Plan for myself?<p>No. You can only use MediSave to pay for one Integrated Shield Plan for yourself at any point in time. This is because the IPs provide generally similar coverage, and hospital or medical treatment bills can only be claimed from one plan. Hence, it is not advisable to duplicate your cover with more than one plan. You can however use your MediSave to pay for your family members’ MediShield Life cover or IPs. </p>Private Medical Insurance Scheme16021602
EvaluateWhat happens to my existing Integrated Shield Plan when I apply for a new Integrated Shield Plan?<p>When you apply for a new Integrated Shield Plan using MediSave to pay for it, your new insurer will trigger your existing insurer to cease usage of MediSave to pay for your existing Integrated Shield plan. This will cause your existing Integrated Shield Plan to be terminated upon the successful commencement of your new plan. This is because a person can only be insured under one Integrated Shield Plan paid using MediSave. Any unused premium, for the remaining period in the current policy year of the existing cover will be refunded to the payer's MediSave Account.</p><p>When you buy an Integrated Shield Plan, it will be integrated with MediShield Life. You will continue to enjoy the benefits of MediShield Life as long as you are a Singapore Citizen or Permanent Resident.</p><p>It is therefore important for you to discuss carefully with your financial advisor and to understand the implications before you switch to a new Integrated Shield Plan. The plan offered by your new insurer may not cover you for pre-existing conditions, which may be covered under your old plan that was purchased before the medical condition was developed. However, the MediShield Life component of your new Integrated Shield Plan will continue to cover you for life, including for pre-existing conditions. </p>Private Medical Insurance Scheme16041604
EvaluateWhat happens if I have an existing Integrated Shield plan and I decide to switch to a higher coverage Integrated Shield Plan? <p>When policyholders apply to switch to a higher coverage Integrated Shield Plan (IP) with the same insurer, they will go through another round of underwriting for the new additional coverage that they are purchasing.</p><p>If a policyholder wishes to switch to a higher coverage IP with another insurer, the new insurer will underwrite the policyholder for the new policy. </p><p>The insurers are allowed to assess, approve with or without exclusions, or reject applications for switching to a higher coverage IP based on their own risk assessment frameworks, as these are essentially business risk decisions.</p>Private Medical Insurance Scheme18801734
EvaluateI currently have an Integrated Shield Plan that covers me for A ward / Private Hospitals, but the premiums are getting more expensive especially as I get older. Should I switch to the Standard Integrated Shield Plan?<p>If you are concerned with being able to afford the premiums of your Integrated Shield Plan (IP) as you get older, you can consider switching to a more affordable IP, including the Standard IP, or to MediShield Life, in line with your circumstances and preferences for hospitalisation coverage.</p><p>For example, if you intend to stay in B2 or C ward types but have an insurance plan intended for private hospitalisation, you may wish to switch your coverage to MediShield Life. Alternatively, if you intend to stay in a B1 ward and are satisfied with the Standard IP benefits, you may wish to switch your coverage to the Standard IP, subject to your affordability.</p><p>The premiums of the Standard IP will be higher than MediShield Life premiums, as it provides additional coverage up to B1 wards. You should carefully consider your insurance coverage and get a plan that meets your needs, taking into consideration your preferred ward type and affordability of premiums over the long-term. </p><p>Please speak to your financial advisor to find out more about the implications of switching insurers before making your decision. Please also highlight any medical conditions you have to your financial advisor.</p>Private Medical Insurance Scheme18811735
EvaluateWhat will happen to my MediShield Life cover when I buy an Integrated Shield Plan? Can I subsequently switch to MediShield Life again?<p>Integrated Shield Plans (IPs) comprise two parts - a MediShield Life component and an additional private insurance component. This means that you are covered by MediShield Life even if you have an IP.</p><p>The MediShield Life component of your IP will cover you for life, including your pre-existing conditions. This is the case even if your pre-existing conditions are not covered under the additional coverage from your private insurer.</p><p>If you currently have an IP but have decided that you may not need it, you may switch to MediShield Life again at any time. Your MediShield Life cover will not be subject to further assessment for pre-existing health conditions.</p><p>Read more about how MediShield Life interacts with your Integrated Shield Plan at <a href="" target="_blank">​</a>.</p>Private Medical Insurance Scheme16031603
EvaluateDo I have to pay Additional Premium for pre-existing conditions even if I have bought an Integrated Shield Plan?<p>Integrated Shield Plans (IPs) are made up of two parts – the MediShield Life component, sized for B2 or C ward types, administered by the Central Provident Fund (CPF) Board, and the additional private insurance component for private hospital stays and A or B1 ward types for public hospital stays, administered by private insurers.<br></p><p>This means when you buy an IP, you will also be covered under MediShield Life, as long as you are a Singapore Citizen or Permanent Resident. The MediShield Life component of your IP will cover you for life, including your pre-existing conditions. </p><p>Depending on the severity of your pre-existing conditions, you may be subject to Additional Premium of 30% for 10 policy years. The 30% Additional Premium only apply to the MediShield Life component of your IP premiums. </p><p>Find out what are the <a href="" target="_blank">broad categories of serious pre-existing conditions</a> that will be subject to Additional Premium.</p><p>Exclusions on the private insurance component are determined by the IP insurers.<br></p>Private Medical Insurance Scheme16051605
EvaluateDoes MediShield Life duplicate the coverage I have under my Integrated Shield Plan?<p>​There is no duplicate coverage.</p><p>Integrated Shield Plans (IPs) already comprise two parts – the MediShield Life portion and a top-up portion. Those covered under IPs currently enjoy the combined benefits of MediShield Life, which is run by the CPF Board, and the additional benefits offered by private insurers.</p>Private Medical Insurance Scheme17291728
EvaluateCan I insure my dependant under Private Medical Insurance Scheme (PMIS), but insure myself under MediShield Life and vice-versa?<p>Yes. Each insured is independently covered under the schemes. </p>Private Medical Insurance Scheme16061606
EvaluateHow do I cancel/terminate my Integrated Shield Plan?<p>As Integrated Shield Plans (IPs) are administered by the private insurers,you need to approach your insurer directly if you wish to terminate or cancel your Integrated Shield Plan. Upon successful termination, any unused premium, for the remaining period in the current policy year of the existing cover will be refunded to your/the payer's MediSave Account.</p><p>You will be entitled to full refunds if Integrated Shield Plan is cancelled within the insurer's freelook period.​</p><p>Please refer to the <a href="/Assets/members/Documents/ListOfInsurersContactInformation.pdf" target="_blank">insurer's contact details</a> (PDF, 0.3MB) if you need further clarifications from them.</p><p>When an IP is terminated/lapsed due to non-payment, the private insurer would proceed to terminate the additional private insurance coverage, and you will continue to be covered under MediShield Life (MSL). The continued coverage is to ensure you continue to have at least a basic medical insurance cover in the event of hospitalization. Hence, upon the termination of your IP, you continue to be covered under MediShield Life.</p><p>Please note that the payer for the Integrated Shield Plan would continue to pay the MediShield Life premiums. Hence, if you are the payer for your Integrated Shield Plan premiums, MediShield Life premiums will be deducted from your MediSave account.</p>Private Medical Insurance Scheme16071607





















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