Hospitalization/ Integrated Shield Plan

1. What is an Integrated Shield Plan, and why should I consider it?
An Integrated Shield Plan (IP) is a type of health insurance in Singapore that provides enhanced coverage on top of the basic MediShield Life. While MediShield Life covers large hospital bills and selected treatments in public hospitals, an IP allows you to access higher-tier hospital services (like private wards) and can cover treatment costs in both public and private hospitals, depending on your plan. This added layer of coverage can give you more choices and reduce your out-of-pocket expenses for healthcare.

2. What does my personal Hospitalisation/Integrated Shield Plan cover?

An Integrated Shield Plan (IP) covers a broad range of hospital and medical costs that go beyond basic MediShield Life. It includes major inpatient expenses such as room and board, surgeries, and specialist treatments.

Many IPs also cover outpatient cancer treatments, a commonly underestimated expense. Treatments like chemotherapy, radiation, and immunotherapy can cost thousands per session and may require ongoing care, resulting in significant cumulative costs. IP coverage helps ensure you’re financially prepared for these treatments, allowing access to necessary care without overwhelming bills.

Additionally, some IPs cover pre- & post-hospitalization costs, such as consultations and follow-up tests, offering comprehensive support throughout your medical journey. In short, an IP provides essential protection against Singapore’s high healthcare costs, reducing out-of-pocket expenses and offering peace of mind.

3. What is a rider, and should I add one to my IP?
A rider is an optional add-on to an IP that can help cover the deductible and co-insurance portions of your hospital bills, reducing your out-of-pocket costs. Some riders can cover up to 95% of entire hospital bill. Having a rider can provide financial relief, but it does increase your premium, so consider your budget and needs when deciding.

4. How do I get started with an Integrated Shield Plan?
Start by assessing your healthcare needs and budget. Consider factors like hospital preference (public vs. private), potential coverage limits, and whether you’d benefit from a rider. Speak to us and we could help you select a plan that meets your requirements and offers long-term financial protection.