Children's Health Insurance Singapore 2025

All Singapore Citizens and PRs are automatically covered by MediShield Life from birth. However, MediShield Life only covers subsidized ward stays at public hospitals. If you want private hospital access, shorter wait times, or better ward classes for your child, you'll need an Integrated Shield Plan.

Children's health insurance is typically the cheapest age bracket. Integrated Shield Plans for children (0-20 years) cost S$150-400 per year for basic plans, S$400-800 per year for comprehensive private hospital coverage.

Children's health insurance covers hospitalization, surgery, specialist consultations, diagnostic tests, and treatments. It also covers childhood illnesses, accidents, and injuries.

Yes, most insurers allow you to add children to your existing Integrated Shield Plan. Some offer family discounts of 5-10% when insuring multiple family members.

Pre-existing conditions are typically excluded. If your child has a known health condition before purchasing insurance, that specific condition may not be covered.

The best time is as soon as possible after birth (from 15 days old). Early enrollment ensures lowest premiums and no pre-existing condition exclusions.