3 important terms that you should know about Integrated Shield Plans (IPs)

An Integrated Shield Plan (IP) provides additional coverage on top of your existing MediShield Life to provide you with more hospitalisation coverage, such as for Class B1 or A wards, even for private hospitals. If you want to know how an IP works, you have come to the right place!

How does an Integrated Shield Plan work?

There are many different IPs provided by the various insurers in Singapore. See examples of IPs in Singapore.

MediShield Life

  • Basic coverage (no pre/post, etc.)
  • B2/C wards
  • Claim limits apply
  • Premiums fully payable by MediSave

Integrated Shield Plan (IP)

  • Provides additional coverage on top of your MediShield Life
  • Offered by private insurers
  • Can cover A wards in restructured hospitals and private hospitals
  • “As charged” coverage
  • Covers pre/post and others
  • Subject to Deductibles and Co-insurance
  • Premiums payable by MediSave and cash

Rider

  • Covers Deductibles and Co-insurance substantially
  • Higher claim limits
  • Additional coverage e.g. covers cancer drugs outside of the MOH cancer drug list
  • Premiums payable by cash only

Is it possible to enhance your IP with added coverage and/or benefits?

Yes, you can enhance your IP with Riders or Add-ons. These may also include, but are not limited to, some of the following benefits:

  • Higher claim limits
  • Higher ward classes or stays in private hospitals
  • Daily allowance while hospitalised
  • Daily allowance while recovering at home
  • Coverage for ambulance fees

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