3 Best Integrated Shield Plans and riders in Singapore (2018 Edition)

Upgrade and enhance your MediShield LIFE coverage with an Integrated Shield Plan and Integrated Shield Plan rider.

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With hospitalisation and medical coverage being a core pillar of insurance coverage, do you know how an Integrated Shield Plan work? No doubt, upgrading your MediShield LIFE should be a top priority, but are you getting the most suitable plan?

Currently, Integrated Shield Plan and Integrated Shield Plan Rider are offered by 6 insurance companies in Singapore. InterestGuru.sg compares the features and benefits and below are the 3 Integrated Shield Plans and riders we feel that offers the best value for your money.

Accessed the updated FAQs on Integrated Shield Plan and Integrated Shield Plan riders.

For all the Integrated Shield Plan reviewed below, we based our opinions on the plan options:  

  • Features and benefits for stay up to Private Hospital (You can still choose to stay in government or restructured hospital)
  • The insurance premium for wavier of Co-insurance and Deductibles (Paid by insurance company)
  • Unique plans features (Features exclusive to a specific insurer)

And here are how they rank up in details:

Aviva MyShield and Aviva MyHealthPlus (Best for entire family)

Aviva Ltd Singapore
Aviva Ltd Singapore

Among the 3 on the list, Aviva MyShield and Aviva MyHealthPlus are neither the cheapest nor the priciest option. What truly makes Aviva Integrated Shield Plan outstanding are the benefits and features it offers.

  • Affordability of premium: 3.75/5
  • Product Features: 4.75/5

Major Features and Benefits of Aviva MyShield and Aviva MyHealthPlus:

  • Planned overseas treatment pegged to Mount Elizabeth Hospital charges (This is different from emergency overseas treatment).
  • Priority access to over 200 medical specialists (Unique to Aviva, get an appointment within 3 working days).
  • Moratorium underwriting (Unique to Aviva, provides clients with past medical condition concerns an opportunity to cover their condition under an Integrated Shield Plan).
  • Free Child coverage (Unique to Aviva, Maximum of 4 children up to age 20)
  • Daily Cash Benefit of $300/day( If admitted to any standard ward in a government hospital)
  • Allows preventive cancer treatment claims (Unique to Aviva)

What we like about Aviva MyShield and Aviva MyHealthPlus

Among the 6 insurance companies offering Integrated Shield Plans, Moratorium underwriting, and Free Child coverage are unique to Aviva. Options for planned overseas treatment is offered by only 2 insurers (Aviva and Prudential).

Priority access to medical specialists does feel a little gimmicky. This is considering that you can likely head to a private hospital for the best medical attention with the provided plan coverages. Well, having priority status doesn’t hurt anyway.

What we don’t like about Aviva MyShield and Aviva MyHealthPlus

It is not the cheapest among all the Integrated shield plans. However, planned overseas medical treatments are one of the core benefits of a global medical plan which costs upwards of 6k annually in USD. Family with or planning for 2 children and above, should find the premium very attractive as well.

Detailed information on Aviva Integrated Shield Plan

The expected insurance premiums are based as of 27/12/2017.

Aviva MyShield Plan1 (After using MediSave limits)
  • Age 30 – Cash payable S$0
  • Age 50 – Cash payable S$190
  • Age 70 – Cash payable S$1,712
Aviva MyHealthPlus Option C (Integrated Shield Plan rider is only payable in cash)
  • Age 30 – Cash payable S$583
  • Age 50 – Cash payable S$806
  • Age 70 – Cash payable S$2,848
How does the free child coverage work?

When both you and your spouse take up the following:

  • Integrated Shield Plan: Aviva MyShield Plan 1
  • Integrated Shield Plan Rider: Aviva MyHealthPlus Option C

Aviva offers free Integrated Shield Plan coverage for your child (maximum of 4 children, up to age 20). The Child coverage is based on Aviva MyShield Plan 2. 

This allows for hospitalisation stay up in A class ward in a government hospital.

How does Moratorium underwriting work?

Moratorium underwriting for Integrated Shield Plan and Integrated Shield Plan rider is unique to Aviva. Any pre-existing medical conditions may or may not be covered by Aviva Integrated Shield Plan, based on Aviva discretion. Some of the terms we know that they imposed on Moratorium underwriting includes:

  • Currently not seeking medical treatment or medical attention.
  • Coverage for the pre-existing medical condition has 5 years waiting period.

Applicants who have chosen moratorium underwriting must not have their Integrated Shield Plan application declined or rejected by another insurer. Basically, Aviva doesn’t like to be treated as a second option, when they are the only insurer with moratorium underwriting option. They must also not be paying an extra premium for MediShield LIFE.

Refer to: Aviva MyShield review and Aviva MyHealth Plus review for more policy details or sign up now.

NTUC Income Enhanced IncomeShield and NTUC Income Plus Rider (Best in affordability)

NTUC Income Singapore
NTUC Income Singapore

We love NTUC Income Integrated Shield Plans and rider(s) for their competitive premium pricing. Despite their recent increase in premiums to cope with the rising claims figures, NTUC Income Enhanced IncomeShield and NTUC Income Plus Rider have one of the lowest insurance premiums in the market. Any financial advisor worth his salt would know NTUC Shield Plans has always been the lowest over the years.

Insurance premium wise, they are very slightly edged out by AXA. The newest comer in 2016 has likely not experienced heavy claims due to new application age capped at age 70.  Similarly, the current insured pool is much healthier as they have been on the market for less than 2 years. Insurance premium has also not been adjusted upwards, unlike NTUC Income.

Hence, the uncertainty with AXA makes us choose NTUC Income as the most affordable Integrated Shield Plan provider.

  • Affordability of premium: 4.75/5
  • Product Features: 3/5

Major Features and Benefits of NTUC Income Enhanced IncomeShield and NTUC Income Plus Rider:

  • Insurance Premium 
  • Daily Cash Benefit of $150/day (If admitted to any standard ward in a government hospital)

What we like about NTUC Income Enhanced IncomeShield and NTUC Income Plus Rider

Here is why we love NTUC Income Integrated Shield Plan and riders:

  • Insurance premium (Lowest across the board, enough said)

We love NTUC Income competitive and affordable pricing for their Integrated Shield Plan among the 3 listed. NTUC Income Integrated Shield Plans and rider premiums can be considered the most competitive among insurers across all age range.

What we don’t like about NTUC Income Enhanced IncomeShield and NTUC Income Plus Rider

Obviously with the great pricing, comes lesser features and benefits. It is impossible to still have your cake and yet eat it. It is up to you if the drawbacks are acceptable.

  • Shortest Pre-hospitalisation coverage (90 days)
  • Shortest Post-hospitalisation coverage (90 days)
  • No planned overseas treatment
  • No claim benefits for post-hospitalisation TCM treatment

Unlike Aviva and Prudential, planned overseas medical treatments are not included. Don’t take our words for it, but excluding extremely complicated surgery or revolutionary new treatment methods, the local private hospitals should get the medical treatment done right. Post-hospitalisation TCM should not be a deal breaker. It could be just 10 to 20 sessions at S$50-S$100 per session out of your pocket.

However, we feel that Pre and Post-hospitalisation coverages are lacking at only 90 days. For those that experienced major surgery or advanced stage critical illness treatment, the follow-up appointments and medications can last way more than 3 months. It all comes down to affordability vs features.

Detailed information on NTUC Income Integrated Shield Plan

The expected insurance premiums are based as of 27/12/2017.

NTUC Income Enhanced IncomeShield Preferred Plan(After using MediSave limits)
  • Age 30 – Cash payable S$0
  • Age 50 – Cash payable S$0
  • Age 70 – Cash payable S$1,097
NTUC Income Plus Rider (Integrated Shield Plan rider is only payable in cash)
  • Age 30 – Cash payable S$383
  • Age 50 – Cash payable S$585
  • Age 70 – Cash payable S$1,833

Refer to: NTUC Income Enhanced IncomeShield review and NTUC Income Plus Rider review for more policy details or sign up now.

Prudential PruShield Premier and Prudential PruExtra Premier (Best for features)

Prudential Assurance Singapore
Prudential Assurance Singapore

Prudential has some of the best policy benefits and claim features among the 3 on the list, If you are healthy and no claims are made, you get a 20% off your premiums via the PruWell Reward feature.  However, it does seem like even with the PruWell discount, the overall premiums are still higher compared to its peers.

  • Affordability of premium: 2.5/5
  • Product Features: 4.75/5

Major Features and Benefits of PruShield Premier and Prudential PruExtra Premier:

  • Planned overseas treatment pegged to Singapore Private Hospital charges (This is different from emergency overseas treatment).
  • Daily Cash Benefit of $200/day( If admitted to any standard ward in a government hospital)
  • PruWell reward (Unique to Prudential, 20% savings on your standard premium)
  • Post-Hospitalisation coverage (365 days)

What we like about Prudential PruShield Premier and Prudential PruExtra Premier

Prudential is the first insurer to introduce a reward for staying healthy. PruWell reward entitles you a 20% savings on your standard premium if there are no claims made during the review period (12 months).

In this way, you are rewarded for staying healthy!

What we don’t like about Prudential PRUshield Premier and Prudential PRUextra Premier

Here comes the complicated part. You get rewarded for staying healthy, but you will incur a loading to your premium if you were hospitalised in a private hospital.

Be prepared to pay as much as 3 times your annual premium, if you were to be hospitalised and would like to still have your hospital bills fully covered.

Your future premiums will now be determined based on your claims experience in private and public hospitals.

How does it work?

Refer to the premium level chart below for your premium multiplier if you were hospitalised in a private hospital:

PRUextra Premier premium level chart.
Private Hospital S$1,000 and below Stay at the same level
Private Hospital Above S$1,000 to S$5,000 Move up two levels    ↑ 2 Levels
Private Hospital Above S$5,000 Move up four levels   ↑ 4 Levels
Public Hospital Any claims amount and no claims made at a private hospital Move down one level ↓ 1 Level
Private Hospital or
Public Hospital
No Claims Move down one level ↓ 1 Level

This means to say, if there is just ONE claim in a private hospital, which could typically hit the S$5,000 bill claim from PruExtra Premier, your premium will immediately move up 4 levels. Hence, your basic premium for PruExtra Premier will be doubled.

Subsequently, you need to at least not make any claim in private hospital for 4 consecutive years to move back to standard level premium. Alternatively, you must seek treatment in a public hospital which will reduce the level down by 1 level per year, regardless of the claim amount.

Thinking of switching to another Integrated Shield Plan when you have to have to pay for the multiplier?

Do note that despite the increase in premium due to claims, switching to another Integrated Shield Plan provider is unrealistic. This is due to Pre-existing medical conditions, which results in exclusions from the new Integrated Shield Plan provider. Furthermore, the newer integrated Shield Plan provider will likely reject your application for their Integrated Shield Plan rider.

This is one of the many reasons why we believe an Integrated Shield Plan is a top priority. A pre-existing medical condition usually results in exclusion clauses or even outright rejection on an Integrated Shield Plan rider.

Detailed information on Prudential Integrated Shield Plan

The expected insurance premiums are based as of 27/12/2017.

Prudential PruShield Premier (After using MediSave limits)
  • Age 30 – Cash payable S$0
  • Age 50 – Cash payable S$0
  • Age 70 – Cash payable S$1,697
Prudential PruExtra Premier (Integrated Shield Plan rider is only payable in cash)
  • Age 30 – Cash payable S$610, (S$488 with PruWell Reward)
  • Age 50 – Cash payable S$1052, (S$841.60 with PruWell Reward)
  • Age 70 – Cash payable S$4,138, (S$3,310.40 with PruWell Reward)

Refer to: Prudential PruShield Premier review and Prudential PruExtra Premier review for more policy details or sign up now.

Which is best Integrated Shield Plan for you?

Let InterestGuru.sg and our partnered advisor suggest the most suitable Integrated Shield Plan and Integrated Shield Plan riders based on your given input. Your information and details will only be used for communication with you.

*Individual product specific features and benefits will also be taken into consideration when we compare Integrated Shield Plans and riders for you.

We compare Integrated Shield Plans quotations head to head with all leading insurers in Singapore

Integrated Shield Plan/ Rider selector

Just 5 simple questions to get you the most suitable Integrated Shield Plan/ Rider, based on your required medical and hospitalisation requirements.

In the event of hospitalistion/ illness, where would you like to seek treatment?

Would you prefer your hospitalisation and medical bills fully covered?
(Additional premium via cash will be required.)

Do you need a daily income during the period of hospitalisation?
(Additional premium via cash will be required.)

Would you wish to look into additional features and benefits?
(Additional premium via cash will be required.)

My current Integrated Shield Plan and rider (if any) is with:
(This allows us to know if there are potential benefits from making any changes.)

Your basic details for us to get quotes based on your profile.

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Additional note on all Integrated Shield Plans and Integrated Shield Plan riders: All Integrated Shield Plan charges a yearly premium based on a respective age band. Integrated Shield Plan Riders premium can only be pay using cash. Insurance premiums may change based on the insurer claims experience and premiums are subject to increases once you hit the next age band.