Compare Health Insurance in Singapore

An Integrated Shield Plan (IP) is a health insurance policy that provides additional private medical insurance coverage on top of MediShield Life. It covers Class B1/A wards in public hospitals and private hospitals, with annual coverage limits ranging from S$500,000 to unlimited. All Singapore Citizens and Permanent Residents can purchase IPs from approved insurers.

Health insurance in Singapore costs S$100-500 monthly depending on age, coverage level, and insurer. For a 35-year-old, an Integrated Shield Plan covering private hospitals costs around S$300-400/month. MediShield Life premiums range from S$130-1,530 annually based on age. Riders for co-payment coverage add S$100-300 monthly.

MediShield Life is the basic government health insurance covering Class B2/C wards in public hospitals with annual limits of S$100,000. Integrated Shield Plans are private insurance add-ons that extend coverage to Class B1/A wards or private hospitals with higher limits up to unlimited. IPs also cover more treatments and have lower deductibles and co-insurance.

Yes, foreigners in Singapore can purchase private health insurance but not Integrated Shield Plans or MediShield Life. International health insurance plans from insurers like AIA, Prudential, and Cigna are available for expatriates, offering coverage from S$200-1,000 monthly depending on benefits. Employment Pass holders often receive coverage through employer group insurance.

Yes, you can use Medisave to pay for MediShield Life and Integrated Shield Plan premiums up to withdrawal limits. The Medisave withdrawal limit is S$300-900 annually depending on age, plus an additional S$300-900 for dependents. However, Medisave cannot be used for rider premiums which must be paid in cash.

Singapore health insurance typically covers hospitalization, surgery, cancer treatment, dialysis, organ transplants, ICU charges, specialist consultations, diagnostic tests, and pre/post-hospitalization treatment. Coverage limits and benefits vary by plan type. Exclusions include cosmetic surgery, fertility treatments, dental care (unless surgical), and pre-existing conditions (with waiting periods).

Riders reduce out-of-pocket expenses by covering deductibles and co-insurance. They're beneficial if you want full coverage at private hospitals with minimal cash outlay. However, riders cost S$100-400 monthly and must be paid in cash. Consider your financial situation and healthcare preferences. Note that new riders have 5% co-payment requirements.

Yes, you can switch Integrated Shield Plan providers, but new underwriting applies. Pre-existing conditions may be excluded or result in premium loading. There's no portability of benefits or waiting period waivers. It's best to switch when young and healthy. Compare coverage carefully as benefits differ between insurers.