Integrated Shield Plans Singapore 2025
Compare the best IP plans from AIA, Great Eastern, Prudential & NTUC Income. Enhanced coverage beyond MediShield Life with private hospital access and higher limits.
Top Integrated Shield Plans 2025
Compare coverage, premiums and benefits from Singapore's leading insurers
AIA
HealthShield Gold Max
Great Eastern
GREAT SupremeHealth
Prudential
PRUShield
NTUC Income
IncomeShield
What is an Integrated Shield Plan?
An Integrated Shield Plan (IP) is a private health insurance that works together with MediShield Life to provide enhanced healthcare coverage. While MediShield Life covers basic healthcare costs, an IP fills the gap and provides additional benefits.
Enhanced Coverage
Higher coverage limits, private hospitals, and upgraded ward classes
Family Protection
Coverage for you and your dependents with family discounts
Faster Treatment
Shorter wait times and access to specialists
How IP Works with MediShield Life
Covers up to $150,000 per year for basic treatments
Covers additional costs up to $2M+ per year
Private hospitals, higher limits, better benefits
Why Choose an Integrated Shield Plan?
Upgrade your healthcare coverage with these key benefits
Private Hospital Access
Access to private hospitals and specialist clinics with shorter wait times
Higher Coverage Limits
Coverage up to $2M+ per year vs $150K with MediShield Life alone
Better Ward Classes
Private or single rooms instead of subsidized wards
Worldwide Coverage
Emergency treatment coverage when traveling overseas
Pre & Post Care
Coverage for treatments before and after hospitalization
Specialist Access
Direct access to specialists without GP referrals
Integrated Shield Plans FAQ
Common questions about Integrated Shield Plans in Singapore
What is an Integrated Shield Plan (IP)?
An Integrated Shield Plan is a private health insurance that works with MediShield Life to provide enhanced coverage. It covers the gap left by MediShield Life and offers benefits like private hospital stays, higher coverage limits, and additional services.
How does an IP work with MediShield Life?
IPs are built on top of MediShield Life. MediShield Life covers basic healthcare costs, while the IP covers the additional expenses for upgraded treatment options, private hospitals, and higher ward classes.
Can I use Medisave to pay for IP premiums?
Yes, you can use up to $600 per year from your Medisave to pay for IP premiums for yourself, and up to $300 per year for each dependent's premiums.
What's the difference between IP plans?
IP plans differ in coverage limits, co-payment amounts, deductibles, covered hospitals, and additional benefits. Higher-tier plans typically offer better coverage but cost more.
When should I buy an Integrated Shield Plan?
The best time is when you're young and healthy, as premiums are lower and you avoid pre-existing condition exclusions. However, you can purchase an IP at any age.
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