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Comparison of Shield Plan Non-Cancer Drug List Coverage

Shield Plan Non-Cancer Drug List Coverage (Comparison)

Hey Singapore Readers! Today, we’re going to dive into the non-cancer drug list (non-CDL) coverage of different Shield Plans. Whether you’re looking to switch to a new plan or just curious about the options available, this blog post will give you a clear comparison of different Shield Plan’s non-cancer drug list coverage. So, let’s get started!


Changes to Shield Plans (IPs) and MSHL Coverage

Are you familiar with Integrated Shield Plans (IPs)? They’re pretty popular among us because they offer additional coverage on top of the basic MediShield Life (MSHL) plan provided by the government. IPs can cover a wide range of hospitalization expenses, including inpatient treatments, day surgeries, and selected outpatient treatments.

Effective 1 September 2022, MSHL will only cover treatments on the Cancer Drug List (CDL). This change is due to the rising costs of non-CDL treatments, which have resulted in higher premiums for IPs and MSHL.

Summary of MSHL, MSV and IP (Private Insurer component) Changes
Source: MOH

There are some changes to the Outpatient Cancer Treatment benefit policy that you might be interested in. From 1 April 2023, two new benefits will replace the old policy. These benefits are the Cancer Drug Treatment benefit and the Cancer Drug Services benefit. Here’s what you need to know:

  1. The Cancer Drug Treatment benefit — This will allow you to claim only cancer drug treatments that are listed on the CDL, up to a specific limit. If your treatment is not on the CDL, you can still make a claim with the help of riders. 
  2. The Cancer Drug Services benefit — It will cover the services that are part of your outpatient cancer drug treatment (including treatments not on the CDL), such as consultations, scans, lab investigations, treatment preparation and administration, supportive care drugs and blood transfusions. You can make a claim under this benefit, up to the specified claims limits.


How will the CDL affect my coverage under Shield Plan (IP)?

For most IPs, this change will take effect on 1st April 2023. If a cancer drug treatment is not listed or not administered exactly as described in the CDL, it will not be claimable.

Comparison of Shield Plan Non-Cancer Drug List Coverage
Shield Plan Non-CDL Coverage (Comparison)

This means that if you require coverage for non-CDL treatments, you may need to purchase an IP rider. An IP rider is an additional insurance policy that provides additional coverage for treatments not covered by MSHL or the IP basic plans.

For instance, some of the insurers’ coverage options include Enhanced Incomeshields with riders, Singlife Shield with riders, GE SupremeHealth with rider, Prushield with rider, AIA Healthshield Goldmax with rider, Raffles Shield with riders, and HSBC Life Shield with Enhanced Care Rider. The limits for these plans vary, ranging from $15,000 per month to $360,000 per year with varying co-payment percentages.

Here are some insurers’ IP rider coverage options for non-CDL treatments that can give you an idea of what to expect:


1) Enhanced IncomeShield with Riders

Enhanced IncomeShield is a popular IP provider in Singapore.  They offer a high annual limit of $1.5 million. They offer two types of shield plan riders for non-cancer drug list coverage —  Classic Care and Deluxe Care. Both provide a monthly benefit limit of $15,000 per month with no cap on the co-payment. However, the co-payment amount differs between the two riders: The Deluxe Care has a 10% co-payment while Classic Care has a 20% co-payment. 


2) Singlife Shield with Health Plus Rider

Singlife Shield (formerly known as Aviva MyShield) is another popular IP provider. They offer a basic plan that provides up to a $2 million policy year limit. If you require additional coverage for non-CDL treatments, you can purchase an IP rider that provides $30,000 per year coverage with a 5% co-payment amount. 


3) GE SupremeHealth with TotalCare Rider

GE SupremeHealth is another established IP provider in Singapore. They offer a high annual limit of $1.5 million. You can also purchase an IP rider for additional non-CDL coverage if required, which can provide $120,000 per year coverage with a 5% co-payment amount.


4) Prushield with PRUExtraRider

Prushield is an established IP provider in Singapore. Their basic plan offers a high annual limit of $1.2 million. Similar to the other insurers, they also provide IP riders for non-CDL treatments. If you require additional coverage for non-CDL treatments, you can purchase an IP rider that provides $150,000 per year coverage with a 5% co-payment amount.


5) AIA Healthshield Gold Max with Max VitalHealth Rider

AIA Healthshield Goldmax offers a yearly benefit limit of $2 million. Like the other insurers, they also offer IP riders for non-CDL treatments. If needed, you have the option to buy a shield plan rider for extra coverage, which can give you $50,000 per year of coverage with a co-payment amount of 10%.


6) Raffles Shield with Riders

Raffles Shield is a newer entrant in the IP market. Their basic plan offers a high annual limit of $1.5 million. They offer several shield plan riders for additional coverage for non-cancer drug list, including a Key Rider that provides $5,000 per year coverage, and a Premier Rider that provides $20,000 per year coverage, both with a 5% co-payment.


7) HSBC Life Shield with Enhanced Care Rider

HSBC Life Shield is the latest IP provider in Singapore. Their basic plan offers a high annual limit of $2.5 million. They also offer an Enhanced Care Rider for additional coverage for non-cancer drug list, if required, offering a monthly benefit limit of $30,000 per month with a 5% co-payment amount.


Important Considerations for Non-Cancer Drug List Coverage of Various Shield Plans

When choosing an Integrated Shield Plan, it’s essential to look into the coverage for non-cancer drugs list. Keep in mind that different insurers have varying limits on outpatient non-CDL treatments, so it’s best to check with your insurer to understand their coverage and limits. You can find this information on their website, but do note that it can change anytime due to the dynamic nature of Integrated Shield Plans and MediShield Life coverage. Stay informed and make the best decision for you and your loved ones!


Understanding Your Cancer Insurance Options in Singapore

Singapore’s healthcare system has undergone significant changes in recent years, and it’s essential to stay up-to-date with your insurance coverage to make sure it’s aligned with your current healthcare needs and budget. 


While these changes may seem overwhelming, they’ve been put in place to ensure that every Singaporean has access to essential healthcare treatments, especially for cancer. The government recognizes that cancer treatment can be expensive, and they’ve increased coverage for cancer treatments under MediShield Life and MediSave. This means that cancer patients can access more effective treatments at lower costs, including targeted and immunotherapy treatments.

However, not all cancer treatments are covered under the Cancer Drug List. That’s where IP riders come in. IP riders provide additional coverage for Non-CDL Treatment, which includes cancer treatments not listed in the Cancer Drug List, such as surgery, radiotherapy, and chemotherapy.

In Singapore, there are several options available for cancer insurance coverage. Here are some of the other options:

  1. Critical Illness Insurance: This insurance provides a lump sum payout upon diagnosis of a critical illness, including cancer. The payout can be used to cover treatment costs, lost income, or any other expenses incurred during the treatment.
  2. Cancer Insurance: Some insurance companies offer standalone cancer insurance policies that provide coverage specifically for cancer-related expenses, such as hospitalization, surgery, chemotherapy, and radiation therapy.
  3. Employer-provided Health Insurance: Some employers provide health insurance coverage that includes cancer treatment. It is essential to check with your employer to see if such coverage is provided.

When choosing a cancer insurance plan, it is crucial to consider the policy’s terms and conditions, including coverage limits, waiting periods, and exclusions. It is also recommended to compare premiums and benefits across different plans to find the best option that suits your needs and budget.

It’s important to note that IP riders can vary in cost, so it’s crucial to find one that fits your budget and healthcare needs. Also, make sure you check the insurer’s limits and co-payment percentage before signing up for an IP rider to ensure you’re adequately covered.

The changes to healthcare insurance coverage may seem overwhelming, but they’re designed to ensure that everyone in Singapore can access essential healthcare treatments, especially for cancer. Stay informed and review your insurance coverage regularly to ensure it aligns with your healthcare needs and budget.


Takeaway: Important Changes to Integrated Shield Plan (IPs) Coverage Starting April 1, 2023

To wrap things up, starting from 1 April 2023, the Integrated Shield Plan (IPs) will be undergoing some changes that will impact your coverage. This means that your basic IP plan will now only cover treatments listed under the Cancer Drug List. So if you need Non-CDL Treatment, you might want to consider getting an IP rider.

Remember, it’s important to regularly review your insurance coverage to make sure it fits your healthcare needs and budget.


If you have any questions or concerns, feel free to reach out to us for more information. We’re here to help you navigate the changes and make the best decisions for your health and well-being!
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