Compare Integrated Shield Plan Singapore (2024)

We Compare over 15 Life insurers to get you the best integrated shield plan in Singapore

Learn about the different integrated shield plans (ISP) and compare integrated shield plans from different insurers to find the plan that best suits your needs.

health insurance and shield plan

Why Should You Get Integrated Shield Plan?

As Charge Coverage

As Charged Coverage means you can submit your entire hospitalisation expenses for claim without being restricted to sub limits for hospital bed stay, diagnostics and treatments.

Pre and Post Hospitalisation

With ISP, you will be able to claim for any treatment, pre and follow up consultation or even diagnostic fee charged before and after your hospital stay or claimable day surgery procedures.

Choose Your Doctor

With integrated shield plan, you can choose a specialist as a private patient to seek treatment with at cost covered up to your ISP limits.

Lower Co Pay and Deductibles

With an additional rider in place, you pay a lower coinsurance and potentially no deductible limiting your overall medical expenses when the needs arise.

Compare and Get Quotes from Different Integrated Shield Plan Providers

A good hospitalisation treatment should not bankrupt you, upgrade your medishield life.

Integrated Shield Plan

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Other Features of Integrated Shield Plan

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Cashless Payment

Enjoy preauthorisation and no cash upfront for your hospitalisation treatment cost, this ensure you do not receive any upfront billing shock when treatment is needed.

Single Ward with Air Conditioning

Receive uninterrupted recovery during your hospital stay, you can stay in a 4 bedder or even a single bed ward with air conditioning during your recuperation.

Guaranteed Renewability

Integrated shield ensures a guaranteed renewability each year for all insured regardless of how much and how many times they claim.

Sample Premiums

E.G. New Born Private Hospital with 5% Co insurance

InsurerBasic PremiumRider
HSBC Life$187$459
Raffles Shield$194$234

What should you look out for when buying an Integrated Shield Plan

  • Know the difference in co-pay when you visit a panel specialist vs a non-panel specialist
  • Understand that there are two types of pricing for the upgrade on private hospital plan; claim-based pricing insurer vs non claim base pricing.
  • Premiums are not guaranteed and will be subjected to overall industry claim experiences and medical inflation.
Critical Illness Plan

The biggest advantage of getting an integrated shield plan is to provide more treatment options.

Get Integrated Shield Plan Quotes

Our MAS-Licensed Partner will provide you with objective advice and help you compare insurance quotes from different providers. 100% Free & No Commitment. Retrieve your info using your singpass app or manually fill in the form below.

Frequently Asked Questions

Integrated shield plan is a hospitalisation plan sold and administered by private insurance company that can be bought to compliment the medishield life, the objective is to get enhanced coverage on higher hospital class ward or private hospitals

A portion of the basic coverage can be funded by medisave depending on the age and the ward class you wish to be insured for.

No, the riders are not compulsory.

The rider provides coverage for part of or the full cost of the deductibles and a part of the co-insurance that is payable without a rider.

No, integrated shield plans costs are charged based on your age tier and are still subjected to changes base on medical inflations.

There’s no wrong or right answer to this, if you can afford and would like to receive better hospitalisation care beyond your working years, it may be wise to still get an integrated shield plan even though you’re covered by your company since your company insurance may terminate if you are no longer working there, the integrated shield plan can be an affordable insurance to fall back on throughout your life. Otherwise, you will still have your medishield life to provide for basic hospitalisation expenses even without an integrated shield plan

Most shield plans will exclude pre-existing conditions, there are shield plans that provide customized solution to certain chronic illness.

It depends on your budget and your current financial circumstances. You may click on get quotes and let an expert and seasoned financial advisor provide you with objective advise and get you quotes from different companies to compare. 100% free & no obligation.

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