What is an Integrated Shield Plan?
Integrated Shield Plan (IP) is a combination of MediShield Life (provided by the Central Provident Fund or CPF) and your Hospitalisation Plan that you obtain from a private insurer. Integrated Shield Plans provide additional benefits and higher claim limits for hospitalisation and surgical expenses.
Key Terms of Integrated Shield Plans
Deductibles are the fixed amount of the bill that you need to pay before your coverage kicks in. Deductibles are determined based on the ward/hospital that you stay in. For example, if you have a deductible of $3,500 and incur a $10,000 bill, you pay the first $3,500. If your bill is less than the deductible, you have to pay the full bill. For example, if you have a deductible of $3,500 and your bill is $2,500, you will have to pay the full bill of $2,500.
Co-insurance is the amount you have to co-pay with your insurer after you have paid the deductible for your hospital bill. It is usually a percentage of the hospital bill (after deductibles). This is applicable if you do not have a rider. In Singapore, the co-insurance is usually 10-20% of your hospital bill after deductibles.
Co-payment is only applicable if you have a rider. In Singapore, co-payment is a percentage (typically ranging between 5% and 10% of the hospital bill), depending on your plan and any “co-payment rider” options you may have, that you will have to pay.
Riders are optional add-ons to your IP that provide further coverage for specific needs, reducing your deductibles and co-payment. There are also cancer-specific riders that offer higher coverage for cancer treatment.
Understanding Integrated Shield Plans
What does an Integrated Shield Plan cover in Singapore?
How do I submit claims from my Integrated Shield Plan?
How do I check if I have an Integrated Shield Plan?
Check if you have an Integrated Shield Plan using our Coverage Checker tool. Follow the step-by-step instructions to learn what you are covered for.
Did you know you can enhance your Integrated Shield Plan?
Benefits of Integrated Shield Plans
Frequently asked questions
MediShield Life is compulsory health insurance provided by CPF. It covers hospital bills for Class B2/C wards in public hospitals and selected outpatient treatments.
An Integrated Shield Plan (IP) is a private insurance plan that builds on MediShield Life, offering broader coverage for private hospitals or higher-class wards (A/B1) in public hospitals. IPs cover more treatments, have higher claim limits, and offer faster access to care, but come with higher premiums, partly payable by cash.
| MediShield Life | Integrated Shield Plan | |
| Coverage | Basic hospital bills (Class B2/C wards) | Enhanced coverage (Class A/B1/private) |
| Premium payment | Paid via MediSave | Paid via MediSave + cash for additional |
| Claim processing | CPF Board | Private insurers |
Yes. The premium of the MediShield Life portion of your Integrated Shield Plan is fully payable by MediSave. The premium for the private insurance component can also be paid by MediSave but only up to a certain amount — $300 per year for those aged 40 years and below on their next birthday, $600 per year for those aged 41 to 70 on their next birthday, and $900 per year for those aged 71 and above on their next birthday. Any excess must be paid via cash or credit card.
Yes, Integrated Shield Plans (IPs) in Singapore can be used for both public and private hospitals. The basic MediShield Life component of the IP covers treatments in public hospitals, such as Class B2 or C wards. However, the additional private insurance component of an IP extends coverage options for Class A or B1 wards in public hospitals or even private hospitals.
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