Health Insurance for Over 50s Singapore
Secure comprehensive health coverage as you enter your golden years. Compare Integrated Shield Plans designed for mature adults with enhanced benefits and coverage.
Why Health Insurance Becomes Critical After 50
Healthcare needs and costs increase significantly in your 50s and beyond
Pre-existing Conditions
Most IPs cover pre-existing conditions after a 1-year waiting period. Apply early for better terms.
Premium Increases
Premiums rise significantly after 50. Lock in rates early and budget for annual increases.
Medisave Usage
Use up to $600 annually from Medisave to offset premium costs. Maximize this benefit.
Waiting Periods
Most plans have 30-day general waiting periods and 1-year for pre-existing conditions.
Common Health Conditions After 50
Understanding risks and insurance coverage for age-related health issues
| Health Condition | Risk After 50 | Insurance Coverage |
|---|---|---|
| Heart Disease | Increases significantly after 50 | Usually covered after waiting period |
| Diabetes | Common onset in 50s | Covered with proper management |
| Cancer | Higher incidence with age | Comprehensive coverage available |
| High Blood Pressure | Very common after 50 | Generally covered |
| Arthritis | Joint issues increase | Treatment typically covered |
Best Health Insurance Plans for Over 50s
Recommended Integrated Shield Plans with senior-friendly features
AIA
HealthShield Gold Max
Great Eastern
GREAT SupremeHealth
NTUC Income
IncomeShield
Prudential
PRUShield
Maximizing Your Medisave Benefits
At 50+, you can use Medisave more effectively to offset health insurance costs and prepare for future healthcare needs.
$600 Annual Premium Payment
Use your Medisave to pay IP premiums, reducing out-of-pocket costs
Family Coverage
Use Medisave to pay for spouse and dependents' premiums too
Hospital Bills
Medisave covers deductibles and co-payments for hospital treatment
Medisave Usage Limits
Frequently Asked Questions
Common concerns about health insurance for over 50s
Is it too late to get health insurance at 50?
No, it's not too late. While premiums are higher and there may be waiting periods for pre-existing conditions, getting coverage at 50 is still valuable for future healthcare needs.
Will my pre-existing conditions be covered?
Most Integrated Shield Plans cover pre-existing conditions after a 1-year waiting period, provided you declare them during application and they're accepted by the insurer.
How much should I expect to pay monthly?
For those over 50, monthly premiums typically range from $200-300 for standard IP plans, depending on the insurer, coverage level, and your health status.
Can I use Medisave to pay premiums?
Yes, you can use up to $600 per year from your Medisave account to pay for Integrated Shield Plan premiums.
Should I upgrade from basic MediShield Life?
At 50+, upgrading is often recommended as healthcare needs increase. IPs provide access to private hospitals and higher coverage limits.
Ready to Secure Your Health Coverage?
Don't wait - get comprehensive health insurance designed for your age group