The best Integrated Shield Plan is the one pitched at the ward class you would actually choose, with a lifetime premium you can sustain into your 70s and 80s. Seven insurers sell them, and the Ministry of Health publishes side-by-side tables of their benefits, premiums and claim times.
We do not rank the plans. MOH’s tables do the comparing better than any league table, and this page shows how to read them.
How an Integrated Shield Plan Is Built
According to MOH, an Integrated Shield Plan (IP) has two parts:
- MediShield Life, run by CPF Board, sized for Class B2 and C bills in public hospitals.
- An additional private insurance component, from a private insurer, that covers higher ward classes or private hospitals.
MediShield Life stays inside every IP. It covers you for life, including for pre-existing conditions, even where the private part excludes them.
The seven IP insurers are AIA, Great Eastern, HSBC Life, Income Insurance, Prudential, Raffles Health Insurance and Singlife.
The Tiers on MOH’s Comparison Page
MOH’s comparison page groups plans by the ward they target, with a benefits table for each tier.
| Tier | Targets | Plans on sale (MOH list as at 1 June 2026) |
|---|---|---|
| Standard IP | Public hospital, Class B1 | One from each of the seven insurers, with consistent benefits |
| Class B1 | Public hospital, Class B1 | AIA HealthShield Gold Max B Lite; GREAT SupremeHealth B Plus; Enhanced IncomeShield Basic; Raffles Shield B; Singlife Shield Plan 3 |
| Class A | Public hospital, Class A | AIA HealthShield Gold Max B; GREAT SupremeHealth A Plus; HSBC Life Shield Plan B; Enhanced IncomeShield Advantage; PRUShield Plus; Raffles Shield A; Singlife Shield Plan 2 |
| Private hospital | Private hospitals | AIA HealthShield Gold Max A; GREAT SupremeHealth P Plus; GREAT SupremeHealth P PRIME; HSBC Life Shield Plan A; Enhanced IncomeShield Preferred; PRUShield Premier; Raffles Shield Private; Singlife Shield Plan 1 |
Plans MOH marks as no longer offered to new members are left out. GREAT SupremeHealth P PRIME, launched in October 2025, appears in MOH’s June 2026 private hospital comparison PDF rather than the page’s plan list. The list is in MOH’s order of presentation and is not a ranking.
MOH notes that, apart from Standard IPs, plans may differ in coverage across insurers. That is why the benefit tables matter.
Finding the Best Integrated Shield Plan for You
Five criteria, all checkable on MOH’s page or in the policy contract.
- Ward class. Choose the tier for the ward you would use, not the highest you could buy.
- Lifetime premium. MOH publishes lifetime premium charts by tier, summing premiums from age next birthday 1 to 100, excluding the MediShield Life portion and riders. MOH warns that insurers may revise premiums regularly.
- Benefit limits. Annual claim limit, pre- and post-hospitalisation periods, cancer drug treatment, and any panel or pre-authorisation conditions.
- Service. MOH shows median and 75th percentile claim processing times by insurer, and whether pre-authorisation is offered.
- Panel. MOH reports the number of private specialists on each insurer’s main panel. In 2025 the figures ranged from 198 to 957.
What You Pay at Claim: Deductible and Co-payment
Every IP has a deductible and co-insurance. Riders reduce the co-insurance, for a cash premium.
MOH changed the rules for riders in November 2025. From 1 April 2026:
- New riders may not cover the minimum IP deductible set by MOH.
- The yearly co-payment cap is at least S$6,000, up from $3,000. It excludes the deductible and applies to eligible claims, such as panel or pre-authorised treatment.
- The minimum 5% co-payment is unchanged.
MOH’s minimum deductibles for hospital stays, as at November 2025, are $3,500 for Class A and private hospitals, $2,500 for Class B1, $2,000 for Class B2 and $1,500 for Class C.
MOH expected new riders to cost about 30% less on average than existing riders with maximum coverage. People who bought an older rider on or after 27 November 2025 move to a compliant one no later than their first renewal after 1 April 2028. Insurers decide their own approach for earlier policyholders.
A Worked Illustration
An illustrative patient with a private hospital IP and a new-style rider has a $40,000 eligible bill for panel treatment.
- Deductible: $3,500, paid by the patient.
- Co-payment at 5% of the remaining $36,500: $1,825.
- Patient pays about $5,325. The plan pays the rest, within its limits.
On a $200,000 bill, 5% of the amount above the deductible would be $9,825, so the $6,000 cap applies: $3,500 plus $6,000, or $9,500.
Without a rider, the patient pays the deductible plus the plan’s co-insurance on the remainder. At an assumed 10% co-insurance, that is $3,500 plus $3,650, or $7,150, on the $40,000 bill.
This is a simplified illustration only. Contracts differ in how co-payment is calculated; check yours.
The short version: Seven insurers sell Integrated Shield Plans. Pick the tier for the ward you would use, compare lifetime premiums and benefits on MOH’s tables, and expect to pay a deductible plus at least 5% of the bill even with a rider.
Paying the Premium
The MediShield Life portion is fully payable from MediSave. For the private portion, MediSave can be used up to the Additional Withdrawal Limits: $300 a year at age 40 and below, $600 from 41 to 70, and $900 from 71, by age next birthday. Anything above that, and all rider premiums, are paid in cash.
Premiums rise steeply with age, so the cash portion grows in retirement, when income has fallen. See what MediSave can be used for and MediShield Life premiums.
Who an Integrated Shield Plan May Not Suit
- A private hospital plan may not suit someone who would, in practice, choose a subsidised ward to keep bills down. They would be paying for cover they do not use.
- Any IP adds relatively little for someone who would stay in a Class B2 or C ward. MoneySense notes that half of residents with IPs choose those wards, where MediShield Life’s coverage would be sufficient.
- A rider may not suit someone with enough savings to absorb the co-insurance.
- Switching insurers may not suit someone with a medical history. The new insurer can exclude existing conditions from the private portion.
MOH also publishes why claims go unpaid. The most common reason, at 69% of unpaid claims, is that the claim was no more than the deductible.
What To Do Next
- Log in to the CPF website to see which plan you hold and who pays for it.
- Open MOH’s comparison page and read the benefits table for your tier.
- Add up this year’s premium and the premium at 65 and 75, and decide whether the cash part is sustainable.
- Read our health insurance guide for how the layers fit together, and the nursing home cost explainer for long-term care.
