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Updates on 20 Apr 2021

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IP

Integrated Shield Plan (IP)

An Integrated Shield Plan (IP) combines MediShield Life with an additional private insurance coverage component provided by a private insurer.

Do you need supplementary coverage?

Things to consider

You do not need an IP if you prefer Class B2 and C ward in public hospitals which provide heavy subsidies of up to 80% for Singaporeans.

Two-third of patients who are hospitalised opt for Class B2 and C wards (6-10 bedders) in public hospitals. MediShield Life provides sufficient coverage for your large Class B2 and C bills.

 

If you prefer Class A and B1 wards (1-4 bedders) in public hospitals or private hospitals, or to choose your own doctors, IP can offer supplementary coverage. Choose a plan which you can afford and meet your needs.

Can you afford IP premiums in the long run, as premiums rise substantially with age?

Your additional private insurance premiums could be up to 4 times of your MediShield Life premiums when you are in your 80s.

 

You’ll need to ensure that you can afford the higher premiums especially at older ages when you have stopped working. 

MediShield Life can cover your healthcare needs. Can you afford to pay cash for IP premiums which exceed the Additional Withdrawal Limits (AWLs)?

MediShield Life premiums can be fully paid with MediSave. You can only use MediSave up to the AWLs to pay for the IP premiums. Premiums above the AWLs will have to be paid in cash.

 

You’ll need to consider if you can afford to top up the differences in cash, especially at older ages when you have stopped working.

IP vs MediShield Life

When deciding on a health insurance coverage, make sure you understand the differences in coverage, premiums, and claim limits.

More information (PDF, 0.1MB)

Long-term costs of getting of an Integrated Shield Plan (IP) vs MediShield Life (MSL)

IPs offers additional benefits on top of that provided by MSL. However, IPs also cost more at higher tiers of coverage and as you age. Here is an illustration of average cumulative costs of IPs across various plan types against MSL payable by MediSave:

Comparison of MediSave Expenses for various plan type.png

IPs offers additional benefits on top of that provided by MSL. However, IPs also cost more at higher tiers of coverage and as you age. Here is an illustration of average cumulative costs of IPs across various plan types against MSL payable by MediSave:

Plan Type By Age 25 By Age 65 By Age 85
B1 0 0 $5253
A 0 $650 $30,325
Private 0 $23,105 $121,210

2/3 of patients choose B2 or C class wards when they are admitted to a hospital. When choosing your plan, you should consider if it is suitable for your healthcare needs and expenses, and whether you can afford the cash top-ups for premiums, especially at old age. 

 

Premiums increase with age, with greater increase for IP premiums compared to MSHL premium; This means higher cash top-ups is required to maintain IP coverage as you age. 

ESH/CSHL supplements

ElderShield and CareShield Life plans

Supplements complement your basic plan with additional benefits, such as higher monthly payouts.

How ElderShield/ CareShield Life supplements work

If you can afford higher premiums, you can buy Supplement plans through one of three approved private insurers. Click on the link below to explore what benefits, premiums and claims each insurer has to offer.

Find out more

Things to think about

1
Can you afford higher supplement premiums in the long run?

As paying for a Supplement plan is a long-term commitment, you’ll need to ensure that you can afford to pay for the higher premiums in the long run, especially at older ages when you have stopped working.

2
Do you need to enhance your existing coverage?

If you need  supplementary coverage or benefits on top of your existing coverage, you may consider purchasing a Supplement plan. 

 

You may discuss with your financial advisor on your healthcare and financial planning.

3
Who is eligible to purchase Supplements?

Supplements can only be bought by existing ElderShield or CareShield Life policyholders.

Coverages across different insurers

When deciding on a supplement plan, make sure you understand the differences in coverage, premiums, and claim limits.

More information
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