3 Best Integrated Shield Plans and riders in Singapore (2021 Edition)

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

Table of Contents – Best Integrated Shield Plan & Riders in Singapore

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?

Across the Integrated Shield Plans offered by the 7 insurance companies in Singapore, InterestGuru.sg provide a comprehensive breakdown of why the plans below offer the best value for your money

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

How are the best Integrated Shield Plans assessed?

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 partial coverage of Co-insurance and Deductibles (Paid by the insurance company)
  • Unique plans features (Features exclusive to a specific insurer)

Read about: Upcoming changes to Integrated Shield Plans zero co-payment schemes *NEW*

Note: The upgrading of your MediShield LIFE with an Integrated Shield Plan is meant to cover your medical and hospitalisation expenses.

For the types and amount of insurance coverages you required, refer to our financial planning guide: How much insurance coverage do you need?

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*IMPORTANT: From April 2021, all existing policyholders of ISP riders that cover co-insurance and deductibles 100% will be converted to the co-payment scheme upon policy renewal.

Aviva MyShield and Aviva MyHealthPlus (Best for entire family coverage)

Aviva MyShield Integrated Shield Plan
Aviva MyShield

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 300 experienced medical specialists (Unique to Aviva, get an appointment within 3 working days).
  • Covers up to S$2 million per policy year with pre-authorization from Aviva’s panel of medical specialists
  • Covers 180 days of pre-hospitalisation treatments and 365 days of post-hospitalisation treatments
  • Free Child coverage (Unique to Aviva, up to 6 months old)
  • Free Child death coverage of S$50,000 up to 6 months old
  • Discounted Child rates (Unique to Aviva, up to age 20, 4 children max)
  • Allows preventive cancer treatment claims (Unique to Aviva)
  • Letter of Guarantee (LOG) waives up to S$50,000 of hospital admission deposit

What we like about Aviva MyShield and Aviva MyHealthPlus

Among the 6 insurance companies offering Integrated Shield Plans,  Free or discounted Child coverage is unique to Aviva. Option for planned overseas treatment without any additional riders is only offered by 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. A 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 07/06/2021.

Premium Table for Aviva MyShield Plan 2 & Option A rider

Age BandAviva MyShield Plan 2
(Actual Premium/ Nett premium payable after using MediSAVE)
Aviva MyHealthPlus - A
(Premium for rider must be fully paid by cash)
1S$86/ S$0S$46
6S$86/ S$0S$46
11S$86/ S$0S$46
16S$86/ S$0S$46
21S$99/ S$0S$48
26S$99/ S$0S$48
31S$168/ S$0S$61
36S$168/ S$0S$61
41S$312/ S$0S$108
46S$340/ S$0S$123
51S$468/ S$0S$165
56S$494/ S$0S$275
61S$773/ S$173S$491
66S$1219/ S$619S$670
71S$1806/ S$906S$739
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76S$2736/ S$1,836S$770
81S$3724 S$2,824S$802
86S$4505/ S$3,605S$825
91S$4657/ S$3,757S$959
96S$4894/ S$3,994S$1,329

How does the free child coverage work?

When both you and your spouse take up the following:

  • Integrated Shield Plan: Aviva MyShield Plan 1 or 2
  • Policy in-force: At least 10 months

Aviva offers free S$50,000 death and Integrated Shield Plan coverage for your child (maximum of 4 children, up to month 6). The Child coverage is based on Aviva MyShield Plan 2. 

For children month 6 to age 20, coverage will be offered at a discounted rate.

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

How does Aviva’s Planned Overseas Treatment work?

Aviva’s Global Treatment program gives you the benefit of seeking a second medical opinion from their extensive network of over 50,000 international medical experts.

Travel and accommodation expenses fully covered for you and a companion. Treatments are covered as charged pegged to the cost of a private or public hospital in Singapore.

Receive daily cash payouts of S$125 per day per overnight stay at a hospital overseas (up to 60 days)

The 6 illnesses & treatments eligible for Planned Overseas Treatment:

  • Cancer treatment
  • Inter-cranial and specified spinal cord surgery
  • Coronary artery by-pass surgery
  • Live-donor organ transplant
  • Heart valve replacement or repair
  • Bone marrow transplant

Travel and accommodation expenses covered for:

  • You and your companion
  • If the life assured is a child, for 2 travel companions

Additional policy limit (on top of MyShield yearly limit) for Global Treatment benfit:

  • S$1,250,000 per policy year
  • S$2,500,000 per lifetime

NOTE: Co-insurance and Deductibles still applies. Pick up Aviva MyHealth Plus rider to limit your out-of-pocket expenses to S$3,000 per policy year

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 Enhanced IncomeShield
NTUC Income Enhanced IncomeShield

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 as the new application age is 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’s 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 Deluxe Rider

In previous versions of NTUC Income Enhanced IncomeShield, the pre- and post-hospitalisation treatment charges were only covered for 90 days. This has now increased to 100 days pre- and post for treatments at non-panel hospital.

More importantly, if you were treated at a panel hospital, this benefit significantly increases to and 180 days pre-hospitalisation and 365 post-hospitalisaton. A rather huge improvement and definitely sweetens the cake of “most affordable integrated shield plan”.

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.

  • 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 just as well.

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.

Detailed information on NTUC Income Integrated Shield Plan

The expected insurance premiums are based as of 07/06/2021.

Premium Table for NTUC Income Enhanced IncomeShield Advantage Plan & Deluxe Care Rider

AgeNTUC Income Advantage Shield
(Actual Premium/ Nett premium payable after using MediSAVE)
NTUC Income Deluxe Care Rider
(Premium for rider must be fully paid by cash)
1S$29/ S$0S$171
6S$29/ S$0S$171
11S$29/ S$0S$171
16S$29/ S$0S$171
21S$44/ S$0S$197
26S$44/ S$0S$197
31S$83/ S$0S$212
36S$106/ S$0S$217
41S$201/ S$0S$327
46S$212/ S$0S$346
51S$333/ S$0S$466
56S$369/ S$0S$532
61S$589/ S$0S$753
66S$902/ S$302S$997
71S$1,286/ S$386S$1,245
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76S$1,862/ S$962S$1,549
81S$2,232/ S$1,332S$1,994
86S$2,836/ S$1,936S$2,379
91S$3,472/ S$2,572S$2,907
96S$4,232/ S$3,332S$3,364
More on Integrated Shield Plans
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Refer to: NTUC Income Enhanced IncomeShield review and NTUC Income Deluxe Care Rider review for more policy details or sign up now.

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

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 HospitalS$1,000 and belowStay at the same level
Private HospitalAbove S$1,000 to S$5,000Move up two levels    ↑ 2 Levels
Private HospitalAbove S$5,000Move up four levels   ↑ 4 Levels
Public HospitalAny claims amount and no claims made at a private hospitalMove down one level ↓ 1 Level
Private Hospital or
Public Hospital
No ClaimsMove 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 07/06/2021.

Premium Table for Prudential PRUShield Plus & PRUExtra Plus

AgePrudential PruShield Plus
(Actual Premium/ Nett premium payable after using MediSAVE)
Prudential PruExtra Plus CoPay
(Premium for rider must be fully paid by cash)
1S$71/ S$0S$220
6S$64/ S$0S$220
11S$64/ S$0S$220
16S$64/ S$0S$220
21S$56/ S$0S$225
26S$56/ S$0S$225
31S$82/ S$0S$246
36S$107/ S$0S$246
41S$140/ S$0S$307
46S$173/ S$0S$307
51S$215/ S$0S$441
56S$246/ S$0S$590
61S$331/ S$0S$816
66S$679/ S$79S$1,064
71S$1,085/ S$185S$1,368
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76S$1,703/ S$803S$1,778
81S$2,227/ S$1,327S$2,019
86S$2,772/ S$1,827S$2,314
91S$2,866/ S$1,966S$2,454
96S$3,380/ S$2480S$2,603

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

Compare across all Integrated Shield Plans and riders!

Compare before you commit so you don’t have to regret later on. Depending on your medical and hospitalisation needs, the premium payable differs across insurers. Why pay more for what you do not need or short-charge on features and benefits by paying a little more?

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Integrated Shield Plans

Matching your profile…

Let’s start by filtering out the best Integrated Shield (hospitalisation) plans based on your age and gender.

Your current age is closest to:

Your gender is:

Male Female
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Integrated Shield Plans

Understanding your hospitalisation need…

Choose your hospitalisation and ward type in the event that you need to seek medical treatment.

You preferred hospitalisation ward:

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Integrated Shield Plans

Finding you the best integrated shield plans…

Choose your co-insurance and deductibles payment scheme (This determines if cash or medisave payment is required).

Cover cost of co-insurance and deductibles:

INSTANT quotes for Shield Plans

Get exactly what you need for your MediShield LIFE upgrade by using our Integrated Shield Plans and rider comparison platform. Go on, its 100% free!

Which is the best Integrated Shield Plan for you?

Our partnered financial planners will propose 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.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

Compare Integrated Shield Plans quotes across all leading insurers in Singapore

Personalised health insurance plans

Compare and get the best health insurance plans!

3 easy steps for your customised health insurance plans based on your needs.
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Step 1: You are looking for…

Among the categories of health insurance products, which of the following best describe your health insurance needs?

Hospitalisation coverage Long-term care coverage Personal accident coverage
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Step 2: Finding you the right hospitalisation coverage…

Choose your hospitalisation ward type and payment scheme in the event of hospitalisation and/ or medical treatment:

Preferred ward type in the event of hospitalization:

Covers cost of deductibles and co-insurance:

You are currently covered by the following insurer:

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Step 2: Finding you the right long-term care coverage…

Please let us know the amount of monthly income and type of coverage required in the event of disability:

In the event of disability, you wish to receive a monthly income of:

You will start receiving a monthly payout upon failing to perform:

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Step 2: Finding you the right personal accident coverage…

Please provide the amount and level of coverage needed in the event of an accidental death/ injury:

What is your ideal accident death coverage?

Do you wish to include comprehensive coverage for disability, fractures and other life conditions?

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Step 3: Getting the best health insurance plans for you!

InterestGuru.sg team of financial planners will compare and provide you with the best health insurance plans based on your inputs.

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Please check your inbox for an e-mail of your financial planning needs.

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Too much work to fill in the form above?

Drop us a message and let InterestGuru.sg contact you instead. We may assign one of the partnered Independent Financial Advisers to work on your enquiry at no cost to you.

 

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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.

*Terms and conditions may apply, speak to our financial planners or drop us a message for more details.

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