In 2006, the first as-charged plan was launched, with a choice of rider plans to cover deductibles and co-insurance under the ISPs.

How do I know if I have an integrated shield plan?

Log in to your CPF account at and check if you are covered by an IP under the insurance section. ... Log in to your CPF account. On the left, click "My Message" Your will be able to see which insurer you are with for your IP under Medishield-Approved Private Integrated Plan.

What is an integrated shield plan?

An Integrated Shield Plan (IP) is an optional health coverage provided by private insurance companies. Consider the coverage you need based on the hospital ward and choice of hospitals you want to stay in, or you'll end up paying more premiums than necessary.

Should you buy Integrated Shield plan?

Private integrated shield plans are one of the most important health insurance policies that you should buy. When it comes to health insurance, one of the most important health insurance policies that all Singaporeans and Permanent Residents (PRs) should consider getting is a private integrated shield plan (IP).

When did MediShield started?

MediShield is a low cost basic medical insurance scheme. Introduced in 1990, the government designed MediShield to help members meet large Class B2/C hospitalisation bills, which could not be sufficiently covered by their Medisave balances.

What is an Integrated Shield Plan? (English)

Can I use my siblings Medisave?

You may use your Medisave to pay for the hospital bill of non-immediate family members (i.e, brother, sister, uncle, aunty, in-laws, niece and nephew), provided that the patient: ... Has immediate family members who do not have enough Medisave funds and cannot afford to pay for hospital bill.

Does MediShield life cover death?

MediShield provided coverage up to the age of 92. The new MediShield Life provides health insurance cover until death. ... MediShield Life provides cover even for HIV, congenital problems and other medical conditions.

Can I switch integrated shield plan?

Switching IP insurers may result in the loss of coverage for pre-existing conditions which could have been covered by your current plan. ... Do think very carefully whether you are truly better off by moving over to another insurer.

Can foreigners buy Integrated Shield plan?

Expats. Integrated Shield Plans can also be purchased by foreigners and expats residing in Singapore with a valid visa – although foreigners will not get the government-subsidised portion from Medishield Life.

Does Integrated Shield plan cover pregnancy?

Maternity and pregnancy expenses are not covered under MediShield Life and generally speaking, pregnancy related hospitalization are excluded under Integrated Plans.

What is the difference between MediShield life and Integrated Shield plan?

While MediShield Life covers for inpatient and selected outpatient treatments, there is no coverage for pre and post hospitalisation treatment expenses. ... Integrated Shield Plans on the other hand will cover the treatment expenses for pre and post hospitalisation for up to a specified number of days.

How do I claim my Integrated Shield plan?

1. Inform the staff handling your hospital admission or outpatient treatment that you wish to make a claim.
2. The medical institution will submit your claim for you.
3. The CPF Board will process your claim and the MediShield Life payout will be used to offset part of your bill.

Can MediSave be used to pay for Integrated Shield plans?

Currently, you can use your Medisave to pay for the premiums of the Integrated Shield plans offered by AIA, Aviva, Great Eastern, NTUC Income and Prudential, up to a stipulated withdrawal limit.

Does Integrated Shield plan cover day surgery?

Colonscopy, endoscopy and similar procedures are considered as day surgery procedures and will be covered under shield plans.

Can use MediSave to buy insurance?

MediSave can be used to pay for an individual's own health insurance premiums, or those of their approved dependents. ... MediSave may also be used to pay for Integrated Shield Plan (IPs) and ElderShield Supplement premiums, up to withdrawal limits.

What is CareShield?

CareShield Life is a long-term care insurance scheme that provides basic financial support should Singaporeans become severely disabled, especially during old age, and need personal and medical care for a prolonged duration (i.e. long-term care).

Does MediShield cover critical illness?

Critical illness insurance fills in the gaps left by MediShield Life and other hospitalisation insurance plans. When you fall ill, MediShield Life and hospitalisation plans enable you to make claims for your medical bills.

Does Integrated Shield plan cover dental?

While dental treatment is covered if it is due to an accident, it is highly unlikely that your root canal or wisdom tooth removal will be covered under your IP plan.

Can foreigners buy Aviva MyShield?

Yes. You are automatically covered for MediShield Life upon insuring for MyShield. The exception is for non-Singaporeans or non-Singapore Permanent Residents who are not eligible for MediShield Life.

How many Singaporeans have private insurance?

By 2017, 68% of Singaporeans are already covered by the Integrated Shield (IP) plan, a significant increase from the 43% in 2006. On the other hand, the proportion of those covered with Medishield and Medishield Life decreased slightly to 32% in 2017 from 35% in 2006.

Does Integrated Shield plan cover A&E?

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 a minimal amount for both your A&E outpatient bill and your inpatient treatment.

What is claimable under MediShield?

The maximum amount you can claim from MediShield Life depends on the claim limit for each type of expense, such as the daily ward charges, the type of treatment and length of hospital stay. The maximum claim limit per policy year is set at $100,000 with no lifetime limit on claims under MediShield Life.

Will CareShield replace ElderShield?

If you were born in 1980 or later, you will be covered by CareShield Life upon the scheme launch date on 1 October 2020. ElderShield will not be applicable for you. If you were born in 1979 or earlier, you can choose to either remain on ElderShield or upgrade to CareShield Life.

What is eldershield400?

Here's what you get with ElderShield 400.

Lifetime coverage against severe disability. Monthly benefit of $400 if you have a severe disability. Receive monthly benefit for up to 72 months. Pay for premiums using your Medisave account.