MediShield Life vs Integrated Shield Plans: Complete Comparison 2025
Understand the difference between basic MediShield Life coverage and enhanced Integrated Shield Plans. Compare costs, benefits, and find out whether upgrading to an IP is worth it for your situation.
At a Glance: MediShield Life vs Integrated Shield Plans
ML
MediShield Life
Universal basic health insurance
Coverage:Universal Basic
Premium (Age 40):$340/year
Hospital Wards:B2/C only
Annual Limit:$150,000
IP
Integrated Shield Plans
Enhanced coverage upgrade
Coverage:Comprehensive++
Premium (Age 40):$680-$1,420/year
Hospital Wards:A/B1/Enhanced B2
Annual Limit:$1M-$2M+
Key Insight
IPs are not separate insurance - they replace your MediShield Life with enhanced coverage. You can't have both; you either keep basic MediShield Life or upgrade to an IP with better benefits.
Detailed Feature Comparison
| Feature | MediShield Life | IP Enhanced B2 | IP Class B1 | IP Class A |
|---|---|---|---|---|
| Annual Coverage Limit | $150,000 | $500,000 | $1,000,000 | $2,000,000 |
| Lifetime Coverage Limit | $600,000 | Unlimited | Unlimited | Unlimited |
| Hospital Ward Coverage | Class B2/C only | Enhanced B2+ | Class B1 (2-bed) | Class A (Private) |
| Private Hospital Coverage | None | None | Limited | Full |
| Deductible (Annual) | $3,000 | $1,500 | $0-500 | $0 |
| Co-insurance Rate | 10% | 5-10% | 0-5% | 0% |
Expert Recommendation
Our Analysis
- 75% of eligible Singaporeans choose IP over MediShield Life
- Average savings: $5,000-$15,000 per major medical event
- Value beyond cost: Comfort, choice, and peace of mind
- Financial protection: Much higher coverage limits
Smart Strategy
- • Start early: Lock in lower premiums when young
- • Right-size coverage: Class B1 offers best value for most
- • Add riders selectively: Focus on essential add-ons
- • Review annually: Adjust as income and needs change