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  3. Integrated Shield Plan

Integrated Shield Plan

    To address concerns of rising healthcare costs, many Singaporeans choose to get private health insurance for additional coverage on top of what is offered by MediShield Life (the basic health insurance plan run by the Central Provision Fund Board).

    Some individuals also buy riders to cover the cost of the deductible (the fixed amount you must pay before your insurance kicks in) and co-insurance (the percentage you must pay after your insurance kicks in).

    This additional private health insurance, together with MediShield Life, make up what is known as an Integrated Shield Plan.

    Here, learn more about Integrated Shield Plans, and how they can help to pay for your treatment and hospitalisation at private hospitals.

    You may be surprised at how affordable private healthcare can be.


    Call or WhatsApp Parkway Insurance Concierge at +65 9834 0999 to find out more about your Integrated Shield Plan coverage.

    You can also estimate your out-of-pocket expenses for common surgical procedures at Mount Elizabeth Hospitals, Gleneagles Hospital, and Parkway East Hospital.

    • What are Integrated Shield Plans?

      An Integrated Shield Plan rides on top of your existing MediShield Life to provide additional coverage for Class B1 or A wards, even for private hospitals. A rider* partially or completely covers the co-insurance and deductible components of the bill.

      An Integrated Shield Plan consists of:

      • MediShield Life
      • Additional Private Insurance Coverage

      This diagram will help you better understand Integrated Shield Plans:

      integrated shield plan

      MediShield Life^

      • All Singapore Citizens and Permanent Residents are covered under this basic health insurance plan
      • Coverage for life
      • Covers pre-existing conditions
      • Covers treatment costs for Class B2/C wards at public hospitals

      Integrated Shield Plan

      • Provides additional coverage for treatment at private hospitals or Class A/B1 wards at public/ restructured hospitals
      • Managed by private insurers
      • Option to top up with rider which covers co-insurance and/or deductible

      * Terms and conditions apply.
      ^ Extracted from Ministry of Health, MediShield Life

      If you have an Integrated Shield Plan and rider, you may be partially or even fully covered (for some existing policies) for treatment and single-room stay at private hospitals.

      Call or WhatsApp Parkway Insurance Concierge at +65 9834 0999 to find out more about your Integrated Shield Plan coverage.

      You can also get an estimate of out-of-pocket expenses for common surgical procedures.

    • Am I fully covered for treatment at private hospitals?

      If you have an Integrated Shield Plan and a rider that that provides coverage for private hospitals, you may be covered for treatment at Mount Elizabeth Hospitals.

      Integrated Shield Plan Provider
      AIA Aviva AXA GE NTUC Income Prudential
      Private Hospital Plan Product Name
      Healthshield Gold Max A MyShield Plan 1 AXA Shield Plan A Supreme Health P Plus Enhanced Income Shield Preferred PRUshield Premier
      Full Rider Product Name*
      (for complete coverage of co-insurance and deductible components)
      Max Essential A MyHealth Plus Plan 1 (Option C) Basic Care Great TotalHealth Elite-P Plus Rider PRUextra Premier
      Co-pay Rider Product Name**
      (for partial coverage of co-insurance and deductible components)
      Max Vitalhealth A /
      Essential A Saver      		 MyHealth Plus Option A, B, C-II Enhanced Care TotalCare Elite-P Deluxe Care/Classic Care/Assist Rider PRUExtra Premier CoPay

      *Valid for existing Integrated Shield Plans & full rider plans purchased before 1 April 2019. Terms and conditions apply. Please check with the respective insurance companies on full policy details.

      **Terms and conditions apply. Please check with the respective insurance companies on full policy details.

      Call or WhatsApp Parkway Insurance Concierge at +65 9834 0999 to find out more about your Integrated Shield Plan coverage.

      You can also get an estimate of out-of-pocket expenses for common surgical procedures.

    • Co-payment rider guidelines

      If you purchased a full rider:

      1) Before 8 March 2018

      Your coverage is not affected*. Together with an Integrated Shield Plan that covers private hospitals, you can be fully covered for treatment.

      2) After 8 March 2018

      You will still enjoy full coverage on co-insurance and deductible till 1 April 2021. Following which, the 5% co-payment applies.

      * As of 31 March 2021. Please check with your insurance agent for updates in your existing policies.

      Today, if you are buying an Integrated Shield Plan, your options for riders are only co-payment riders with a minimum of 5% co-payment. Full riders are no longer sold as of March 2018 due to the Ministry of Health’s requirements, while existing policies with full riders may have a co-pay feature when the plans are renewed in the near future.

      The thing to note is that the co-payment (your out-of-pocket costs) will likely not exceed 5% of your total hospital bill, if you obtain pre-authorisation with your insurer prior to your surgery with a specialist on the insurer’s panel. This is subject to annual and lifetime policy claim limits.

      Get an estimate of your out-of-pocket expenses for common surgical procedures at Mount Elizabeth Hospitals.

    • Does my Integrated Shield Plan cover pre and post hospitalisation treatments?

      With an Integrated Shield Plan that provides coverage for private hospitals, your pre and post hospitalisation bills may be covered if they are related to your hospitalisation. These bills may include fees for consultations, laboratory tests, radiology examinations, and rehabilitation sessions.

      For example, if you were admitted for a knee surgery, your pre-hospitalisation knee MRI and post-surgery imaging and rehabilitation fees may be covered along with your hospitalisation bill.

      The validity period of the pre and post hospitalisation coverage differs across Integrated Shield Plans, and can be up to 365 days pre and post hospitalisation. Please check with your insurer or financial advisor to find out the details of your eligible claimable expenses.

      Please keep the original medical bills or receipts for submission to your insurance company.

    • Can I use my Integrated Shield Plan for A&E treatment?

      Your Integrated Shield Plan can also serve as an emergency medical insurance. If your visit to our Accident & Emergency (A&E) department warrants a hospital admission with a minimum stay of 8 hours, you can use your Integrated Shield Plan that covers private hospitals (with a rider) to pay minimal or $0 for both your A&E outpatient bill and your inpatient treatment.

      Some policies also cover the A&E outpatient treatment, up to a certain limit and can be used as both accident health insurance and emergency health insurance. Contact your financial advisor to understand your full policy details.

      *Terms and conditions apply. Valid for full riders purchased before 1 April 2019.

    • How can I check if I have an Integrated Shield Plan that covers private hospitals?

      You can find out if you have an integrated shield plan through the CPF Board website. You will require your SingPass to do this.

      1. Go to cpf.gov.sg
      2. Log on to my cpf Online Services
      3. Go to "My Messages"
      4. See "Insurance" section

      To find out the policy details of your integrated shield plan, please contact your insurance company or financial advisor.

      Call or WhatsApp Parkway Insurance Concierge at +65 9834 0999 to find out more about your Integrated Shield Plan coverage.

      You can also get an estimate of out-of-pocket expenses for common surgical procedures.

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