Healthcare costs in Singapore are rising, and having the right health insurance can make a significant difference in managing medical expenses. While MediShield Life provides basic coverage for all Singapore citizens and permanent residents, many opt for Integrated Shield Plans (IPs) to enhance their coverage. But what exactly is the difference between the two? This article breaks down the key features, benefits, and considerations of both options.

Learn more: Medical Costs and Insurance in Singapore

What is MediShield Life (IPs)?

MediShield Life is Singapore’s national health insurance scheme, designed to help with large hospital bills and certain costly outpatient treatments.

Key Features of MediShield Life:

• Universal Coverage – Available to all Singapore citizens and PRs, regardless of age or pre-existing conditions.
• Covers Public Hospital Treatments – Provides coverage for B2 and C-class wards in public hospitals.
• Annual Claim Limits – The maximum claimable amount per year is S$150,000.
• Deductibles and Co-Payments – Patients must pay part of their hospital bills before claims kick in.
• Premiums Paid via MediSave – Citizens and PRs can use their MediSave funds to cover premiums.

Limitations of MediShield Life:

• Designed mainly for subsidized hospital care, covering only B2 and C-class wards.
• Limited outpatient coverage, except for treatments like dialysis and chemotherapy.
• Does not cover private hospitals or A/B1-class wards in public hospitals.

What are Integrated Shield Plans (IPs)?

Integrated Shield Plans are enhanced private insurance policies that build on MediShield Life, offering better hospital and treatment options. These plans are offered by private insurers but work together with MediShield Life.

Key Features of Integrated Shield Plans:

• Covers Private Hospitals & A/B1-Class Wards – Provides access to private hospitals and higher-tier wards in public hospitals.
• Higher Claim Limits – Most plans offer claim limits well above MediShield Life’s S$150,000 annual cap.
• More Comprehensive Coverage – Some plans include pre- and post-hospitalization treatments, such as follow-ups and physiotherapy.
• Customizable Riders – Additional riders can cover deductibles, co-payments, and outpatient treatments.
• Faster Access to Specialists – Private hospitals generally have shorter wait times for treatment.

Limitations of Integrated Shield Plans:

• Higher Premiums – Costs more than MediShield Life, especially for private hospital coverage.
• Premiums Increase with Age – Unlike MediShield Life, premiums rise significantly for older policyholders.
• Some Riders Must Be Paid in Cash – Since 2021, full coverage riders are no longer allowed, requiring patients to co-pay at least 5% of bills.

• Eligibility – MediShield Life is available to all Singapore citizens and PRs, while Integrated Shield Plans (IPs) are an optional private insurance upgrade that Singapore citizens, PRs, and some expats can purchase.
• Coverage Scope – MediShield Life provides basic hospital coverage, mainly for B2 and C-class wards in public hospitals. In contrast, Integrated Shield Plans offer higher-tier coverage, allowing policyholders to choose A/B1-class wards in public hospitals or private hospitals.
• Claim Limits – MediShield Life has an annual claim limit of S$150,000, which may not be enough for expensive treatments. IPs, on the other hand, offer significantly higher claim limits, often exceeding S$500,000 per year, depending on the plan.
• Premium Costs – MediShield Life is more affordable since premiums are lower and fully payable via MediSave. IPs come with higher premiums, and while a portion can be paid using MediSave, policyholders often need to pay part of the premiums in cash.
• Pre- and Post-Hospitalization Coverage – MediShield Life provides limited coverage for treatments before and after hospitalization. However, most IPs extend coverage for pre- and post-hospitalization care (e.g., follow-up treatments, specialist consultations), often up to 180 days before and after a hospital stay.
• Out-of-Pocket Costs – Both plans require co-payments and deductibles, but with MediShield Life, these costs can be higher for patients using non-subsidized wards or private hospitals. Some IPs allow riders to reduce these costs, though since 2021, all plans require policyholders to co-pay at least 5% of their bills.
• Hospital Choices – With MediShield Life, you are limited to public hospitals and mainly B2/C-class wards. If you prefer the option of private hospitals or better ward classes (A/B1), an Integrated Shield Plan is necessary.

Which One is Right For You?

Choosing the MediShield Life and an Integrated Shield Plan depends on your medical needs, financial situation, and lifestyle.