FAQs on Integrated Shield Plan and riders

The answers to your questions about Integrated Shield Plan is likely here, we are pretty sure of it.

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All your questions on Integrated Shield Plan and riders answered

InterestGuru.sg has received and answered a lot of questions on Integrated Shield Plans and Integrated Shield Plans riders over the past 2 years since we started the portal. We thank our contributors for their assistance and compiled the most commonly asked questions as below. These are the questions you had on Integrated Shield Plan or the questions you should have asked in any case!

For a detailed write-up on Integrated Shield Plans, refer to our Integrated Shield Plan: how does it work?

Find out what makes the following Integrated Shield Plans and rider outstanding in 3 best Integrated Shield Plan and Integrated Shield Plan riders in Singapore (2018 Edition).

For easy reading, the following terms have been shortened:

  • Integrated Shield Plan and Integrated Shield Plan rider(s) will be replaced with Integrated Shield Plan and rider(s)
  • Insurance company(ies) will be replaced by insurer(s)

General questions on MediShield upgrades

These are all the general questions (and answers) about MediShield LIFE, Integrated Shield Plan and Integrated Shield Plan riders.

MediShield LIFE is a government initiative to provide affordable lifelong protection for all Singapore Citizens and Permanent Residents against large hospital bills. According to MOH, the subsidies are generally sufficient to cover Class B2/C ward of a public hospital.

Deductibles and Co-insurance must still be paid by Medisave or cash.

An Integrated Shield Plan is an add-on to your MediShield LIFE coverage. It allows you to stay in Class A/B1 ward of a public hospital or standard ward of a private hospital without incurring a high medical bill. The insurance premium for Integrated Shield Plan may be fully or partially paid using your Medisave account.

Deductibles and Co-insurance must still be paid by Medisave or cash.

An Integrated Shield Plan rider covers the cost of Deductibles and Co-insurance which otherwise, have to be paid by you.

The insurance premium for an Integrated Shield Plan rider has to be fully paid by cash.

Without an Integrated Shield Plan rider, the following expenses have to be paid by you:

  • Deductibles – Up to the first S$3,500 of your medical claim
  • Co-insurance – Up to 10% of the remaining medical claim amount, after deducting the deductible

As typically all hospitalisation charges are covered, many may choose a private hospital for medical treatments. Here are some the reasons for having an Integrated Shield Plan and rider:

  • Shorter waiting time (in private hospital)
  • Higher level of comfort
  • Preserve/ reduce usage of personal savings

Refer to the following: 5 reason for having an Integrated Shield Plans.

The lump sum payout from your critical illness coverage is mean to cover your current and future loss/ reduction of income.

It is not meant to cover your hospitalisation and medical treatment charges. Speak to a financial advisor if further explanation is required.

Coverage and benefits

Questions (and answers) regarding insurance coverage and benefits of Integrated Shield Plan and Integrated Shield Plans riders.

Excluding benefits unique to specific insurers, the coverages should include the following:

  • Pre-hospitalisation
  • Post-hospitalisation
  • In-patient treatment
  • Out-patient treatment
  • Post-hospitalisation TCM (Most insurers)
  • Emergency overseas treatment
  • Final Expenses

Full as-charged coverage is only applicable with an Integrated Shield Plan and rider that covers deductibles and co-insurance.

An Integrated Shield Plan or rider provides additional coverage on top and above of Medishield LIFE coverage. There will be no duplicate coverage or double payment of any kind.

You will enjoy the combined benefits of MediShield LIFE which provide hospitalisation coverage targeted at Class B2/C wards and the additional private insurance coverage targeted at higher class wards in public and private hospital.

Any pre-existing conditions you had before taking up an Integrated Shield Plan will not be covered. However, if the medical condition developed after you having an Integrated Shield Plan, it will be fully covered.

Moratorium underwriting allows you to apply for an Integrated Shield Plan/ rider without answering any medical questionnaires.

You must be fully discharged and not be seeking any medical attention in the past 5 years for the said pre-existing medical condition.

Your application is subjected to the insurer discretions. These are the known conditions imposed on Moratorium underwriting:

  • 5-year waiting period from approval before you are covered for the pre-existing condition
  • Must not be declined by another insurer
  • Must not be paying additional premiums for MediShield Life

Currently, only Aviva is offering Moratorium underwriting on their Integrated Shield Plan and Integrated Shield Plan riders.

Even if your integrated shield and rider are approved, you will face issues when claiming. Your application may also be entirely void for false declaration.

For certain cases, you may seek to get covered with Moratorium underwriting (see above).

Healthy individuals may switch Integrated Shield Plan for a variety of reasons such as:

  • Upgrade or downgrade of existing benefits and features
  • More competitive premiums from another insurance company
  • Specific plans offering more relevant coverage and features

For Integrated Shield Plans and riders, outright rejection of applications is commonly seen. No insurer would wish to dilute their existing insured pool by taking additional at-risk individuals.

This will only serve to increase future premiums for everyone and is unfair to those seek coverage when they are still healthy.

An Integrated Shield plan and rider is meant to cover your hospitalisation and medical treatment expenses.

It does not cover loss/ reduction of future income for your or your dependents. Read the following article on what else you need to be aware of, even when you have done your MediShield LIFE upgrade.

Payments and claims

Questions (and answers) regarding insurance premium and making a claim from Integrated Shield Plan and rider.

Upon switch your existing Integrated Shield Plan to another insurer, your previous Integrated Shield Plan and rider (if any) will be terminated.

The excess premiums paid for any unused portion of your Integrated Shield Plan and rider will be refunded back to your CPF Medisave account/ cheque.

You have to inform the hospital that you are covered under an Integrated Shield Plan and rider.

The attending hospital will process and claim from the respective insurer accordingly. There is no further action required during your hospitalisation.

Currently, all 6 Integrated Shield Plan providers allows hospitalisation claims for due to Emergency overseas medical treatment.

However only Aviva and Prudential allows claims for Planned overseas medical treatment.

Pre-hospitalisation and Post-hospitalisation coverage differ among Integrated Shield Plan provider. The coverage period may range from 90 to 365 days before and after your actual hospitalisation.

All original tax invoices must be submitted to the insurer for the review and payment of claims.

Premiums payable for Integrated Shield Plans and Riders

Questions (and answers) regarding how much Integrated Shield Plan and rider from various insurers will cost you yearly.

The table below shows the annual premiums for NTUC Income Enhanced Income Shield and NTUC Income Plus Rider.

This allows 100% claims for the first dollar up, for hospitalisation and medical treatment in private hospital.

Age NTUC Income Enhanced IncomeShield
(Actual Premium/ Nett premium payable after using MediSAVE)
NTUC Income Plus Rider
(Premium for rider must be fully paid by cash)
1 S$183/ S$0 S$375
2 S$183/ S$0 S$375
3 S$183/ S$0 S$375
4 S$183/ S$0 S$375
5 S$183/ S$0 S$375
6 S$183/ S$0 S$375
7 S$183/ S$0 S$375
8 S$183/ S$0 S$375
9 S$183/ S$0 S$375
10 S$183/ S$0 S$375
11 S$183/ S$0 S$375
12 S$183/ S$0 S$375
13 S$183/ S$0 S$375
14 S$183/ S$0 S$375
15 S$183/ S$0 S$375
16 S$183/ S$0 S$375
17 S$183/ S$0 S$375
18 S$183/ S$0 S$375
19 S$234/ S$0 S$383
20 S$234/ S$0 S$383
21 S$234/ S$0 S$383
22 S$234/ S$0 S$383
23 S$234/ S$0 S$383
24 S$234/ S$0 S$383
25 S$234/ S$0 S$383
26 S$234/ S$0 S$383
27 S$234/ S$0 S$383
28 S$234/ S$0 S$383
29 S$234/ S$0 S$383
30 S$234/ S$0 S$383
31 S$300/ S$0 S$450
32 S$300/ S$0 S$450
33 S$300/ S$0 S$450
34 S$300/ S$0 S$450
35 S$300/ S$0 S$450
36 S$300/ S$0 S$450
37 S$300/ S$0 S$450
38 S$300/ S$0 S$450
39 S$300/ S$0 S$450
40 S$300/ S$0 S$450
41 S$577/ S$0 S$585
42 S$577/ S$0 S$585
43 S$577/ S$0 S$585
44 S$577/ S$0 S$585
45 S$577/ S$0 S$585
46 S$600/ S$0 S$585
47 S$600/ S$0 S$585
48 S$600/ S$0 S$585
49 S$600/ S$0 S$585
50 S$600/ S$0 S$585
51 S$816/ S$216 S$876
52 S$816/ S$216 S$876
53 S$816/ S$216 S$876
54 S$816/ S$216 S$876
55 S$816/ S$216 S$876
56 S$863/ S$263 S$1,165
57 S$863/ S$263 S$1,165
58 S$863/ S$263 S$1,165
59 S$863/ S$263 S$1,165
60 S$863/ S$263 S$1,165
61 S$1201/ S$601 S$1,470
62 S$1201/ S$601 S$1,470
63 S$1201/ S$601 S$1,470
64 S$1201/ S$601 S$1,470
65 S$1201/ S$601 S$1,470
66 S$1,697/ S$1,097 S$1,833
67 S$1,697/ S$1,097 S$1,833
68 S$1,697/ S$1,097 S$1,833
69 S$1,697/ S$1,097 S$1,833
70 S$1,697/ S$1,097 S$1,833
71 S$2,447/ S$1,547 S$2,771
72 S$2,447/ S$1,547 S$2,771
73 S$2,447/ S$1,547 S$2,771
74 S$3,032/ S$2,132 S$2,898
75 S$3,032/ S$2,132 S$2,898
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76 S$3,614/ S$2,714 S$3,372
77 S$3,614/ S$2,714 S$3,372
78 S$3,614/ S$2,714 S$3,372
79 S$4,085/ S$3,185 S$3,594
80 S$4,085/ S$3,185 S$3,594
81 S$4,283/ S$3,383 S$3,705
82 S$4,283/ S$3,383 S$3,705
83 S$4,283/ S$3,383 S$3,705
84 S$4,774/ S$3,874 S$4,181
85 S$4,774/ S$3,874 S$4,181
86 S$5,343/ S$4,443 S$4,186
87 S$5,343/ S$4,443 S$4,186
88 S$5,343/ S$4,443 S$4,186
89 S$5,866/ S$4,966 S$4,240
90 S$5,866/ S$4,966 S$4,240
91 S$6,011/ S$5,111 S$4,419
92 S$6,011/ S$5,111 S$4,419
93 S$6,011/ S$5,111 S$4,419
94 S$6501/ S$5,601 S$4,736
95 S$6501/ S$5,601 S$4,736
96 S$6,962/ S$6,062 S$5,057
97 S$6,962/ S$6,062 S$5,057
98 S$6,962/ S$6,062 S$5,057
99 S$7,402/ S$6,502 S$5,374
100 S$7,402/ S$6,502 S$5,374

Annual premium table for NTUC Income Enhanced Income Shield and NTUC Income Plus Rider

Refer to the following for more details: NTUC Income Enhanced Income Shield and NTUC Income Plus Rider.

The table below shows the annual premiums for Aviva MyShield and Aviva MyHealthPlus Rider.

This allows 100% claims for the first dollar up, for hospitalisation and medical treatment in private hospital.

Age Band Aviva MyShield
(Actual Premium/ Nett premium payable after using MediSAVE)
Aviva MyHealthPlus
(Premium for rider must be fully paid by cash)
1 S$181/ S$0 S$541
2 S$181/ S$0 S$541
3 S$181/ S$0 S$541
4 S$181/ S$0 S$541
5 S$181/ S$0 S$541
6 S$181/ S$0 S$541
7 S$181/ S$0 S$541
8 S$181/ S$0 S$541
9 S$181/ S$0 S$541
10 S$181/ S$0 S$541
11 S$181/ S$0 S$541
12 S$181/ S$0 S$541
13 S$181/ S$0 S$541
14 S$181/ S$0 S$541
15 S$181/ S$0 S$541
16 S$181/ S$0 S$541
17 S$181/ S$0 S$541
18 S$181/ S$0 S$541
19 S$181/ S$0 S$541
20 S$181/ S$0 S$541
21 S$215/ S$0 S$583
22 S$215/ S$0 S$583
23 S$215/ S$0 S$583
24 S$215/ S$0 S$583
25 S$215/ S$0 S$583
26 S$215/ S$0 S$583
27 S$215/ S$0 S$583
28 S$215/ S$0 S$583
29 S$215/ S$0 S$583
30 S$215/ S$0 S$583
31 S$380/ S$80 S$629
32 S$380/ S$80 S$629
33 S$380/ S$80 S$629
34 S$380/ S$80 S$629
35 S$380/ S$80 S$629
36 S$380/ S$80 S$629
37 S$380/ S$80 S$629
38 S$380/ S$80 S$629
39 S$380/ S$80 S$629
40 S$380/ S$80 S$629
41 S$642/ S$42 S$715
42 S$642/ S$42 S$715
43 S$642/ S$42 S$715
44 S$642/ S$42 S$715
45 S$642/ S$42 S$715
46 S$790/ S$190 S$806
47 S$790/ S$190 S$806
48 S$790/ S$190 S$806
49 S$790/ S$190 S$806
50 S$790/ S$190 S$806
51 S$997/ S$397 S$926
52 S$997/ S$397 S$926
53 S$997/ S$397 S$926
54 S$997/ S$397 S$926
55 S$997/ S$397 S$926
56 S$1,235/ S$635 S$1,245
57 S$1,235/ S$635 S$1,245
58 S$1,235/ S$635 S$1,245
59 S$1,235/ S$635 S$1,245
60 S$1,235/ S$635 S$1,245
61 S$1,631/ S$1,031 S$2,145
62 S$1,631/ S$1,031 S$2,145
63 S$1,631/ S$1,031 S$2,145
64 S$1,631/ S$1,031 S$2,145
65 S$1,631/ S$1,031 S$2,145
66 S$2,312/ S$1,712 S$2,848
67 S$2,312/ S$1,712 S$2,848
68 S$2,312/ S$1,712 S$2,848
69 S$2,312/ S$1,712 S$2,848
70 S$2,312/ S$1,712 S$2,848
71 S$3,178/ S$2,278 S$3,040
72 S$3,178/ S$2,278 S$3,040
73 S$3,178/ S$2,278 S$3,040
74 S$3,730/ S$2,830 S$3,099
75 S$3,730/ S$2,830 S$3,099
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76 S$4,452/ S$3,552 S$3,136
77 S$4,452/ S$3,552 S$3,136
78 S$4,452/ S$3,552 S$3,136
79 S$5,042/ S$4,142 S$3,184
80 S$5,042/ S$4,142 S$3,184
81 S$6,530/ S$5,630 S$3,184
82 S$6,530/ S$5,630 S$3,184
83 S$6,530/ S$5,630 S$3,184
84 S$6,809/ S$5,909 S$3,210
85 S$6,809/ S$5,909 S$3,210
86 S$7,368/ S$6,468 S$3,236
87 S$7,368/ S$6,468 S$3,236
88 S$7,368/ S$6,468 S$3,236
89 S$7,542/ S$6,642 S$3,467
90 S$7,542/ S$6,642 S$3,467
91 S$7,621/ S$6,721 S$4,032
92 S$7,621/ S$6,721 S$4,032
93 S$7,621/ S$6,721 S$4,032
94 S$7,659/ S$6,759 S$4,928
95 S$7,659/ S$6,759 S$4,928
96 S$8,075/ S$7,175 S$5,520
97 S$8,075/ S$7,175 S$5,520
98 S$8,075/ S$7,175 S$5,520
99 S$8,423/ S$7,523 S$6,600
100 S$8,423/ S$7,523 S$6,600

Annual premium table for Aviva MyShield and Aviva MyHealthPlus Rider

Refer to following for more details: Aviva MyShield and Aviva MyHealthPlus Rider

The table below shows the annual premiums for Great Eastern Supreme Health P Plan and Great Eastern Total Health Rider.

This allows 100% claims for the first dollar up, for hospitalisation and medical treatment in private hospital.

Age Band Great Eastern Supreme Health P Plan
(Actual Premium/ Nett premium payable after using MediSAVE)
Great Eastern Total Health Rider
(Premium for rider must be fully paid by cash)
1 S$164/ S$0 S$450
2 S$164/ S$0 S$450
3 S$164/ S$0 S$450
4 S$164/ S$0 S$450
5 S$164/ S$0 S$450
6 S$164/ S$0 S$450
7 S$164/ S$0 S$450
8 S$164/ S$0 S$450
9 S$164/ S$0 S$450
10 S$164/ S$0 S$450
11 S$164/ S$0 S$450
12 S$164/ S$0 S$450
13 S$164/ S$0 S$450
14 S$164/ S$0 S$450
15 S$164/ S$0 S$450
16 S$164/ S$0 S$450
17 S$164/ S$0 S$450
18 S$164/ S$0 S$450
19 S$191/ S$0 S$491
20 S$191/ S$0 S$491
21 S$222/ S$0 S$502
22 S$222/ S$0 S$502
23 S$222/ S$0 S$502
24 S$222/ S$0 S$502
25 S$222/ S$0 S$502
26 S$222/ S$0 S$502
27 S$222/ S$0 S$502
28 S$222/ S$0 S$502
29 S$222/ S$0 S$502
30 S$222/ S$0 S$502
31 S$260/ S$0 S$604
32 S$260/ S$0 S$604
33 S$260/ S$0 S$604
34 S$260/ S$0 S$604
35 S$260/ S$0 S$604
36 S$260/ S$0 S$604
37 S$260/ S$0 S$604
38 S$260/ S$0 S$604
39 S$260/ S$0 S$604
40 S$260/ S$0 S$604
41 S$459/ S$0 S$726
42 S$459/ S$0 S$726
43 S$459/ S$0 S$726
44 S$459/ S$0 S$726
45 S$459/ S$0 S$726
46 S$459/ S$0 S$726
47 S$459/ S$0 S$726
48 S$459/ S$0 S$726
49 S$459/ S$0 S$726
50 S$459/ S$0 S$726
51 S$752/ S$152 S$1,088
52 S$752/ S$152 S$1,088
53 S$752/ S$152 S$1,088
54 S$752/ S$152 S$1,088
55 S$752/ S$152 S$1,088
56 S$878/ S$278 S$1,482
57 S$878/ S$278 S$1,482
58 S$878/ S$278 S$1,482
59 S$878/ S$278 S$1,482
60 S$878/ S$278 S$1,482
61 S$1,119/ S$519 S$1,741
62 S$1,119/ S$519 S$1,741
63 S$1,119/ S$519 S$1,741
64 S$1,119/ S$519 S$1,741
65 S$1,119/ S$519 S$1,741
66 S$1,824/ S$1,224 S$2,263
67 S$1,824/ S$1,224 S$2,263
68 S$1,824/ S$1,224 S$2,263
69 S$1,824/ S$1,224 S$2,263
70 S$1,824/ S$1,224 S$2,263
71 S$2,562/ S$1,662 S$3,227
72 S$2,562/ S$1,662 S$3,227
73 S$2,562/ S$1,662 S$3,227
74 S$2,769/ S$1,869 S$3,227
75 S$2,769/ S$1,869 S$3,227
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76 S$3,472/ S$2,572 S$3,515
77 S$3,472/ S$2,572 S$3,515
78 S$3,472/ S$2,572 S$3,515
79 S$3,749/ S$2,849 S$3,970
80 S$3,749/ S$2,849 S$3,970
81 S$3,987/ S$3,087 S$4,109
82 S$3,987/ S$3,087 S$4,109
83 S$3,987/ S$3,087 S$4,109
84 S$4,746/ S$3,846 S$4,766
85 S$4,746/ S$3,846 S$4,766
86 S$5,348/ S$4,448 S$4,794
87 S$5,348/ S$4,448 S$4,794
88 S$5,348/ S$4,448 S$4,794
89 S$5,639/ S$4,739 S$4,940
90 S$5,639/ S$4,739 S$4,940
91 S$5,744/ S$4,844 S$5,135
92 S$5,744/ S$4,844 S$5,135
93 S$5,744/ S$4,844 S$5,135
94 S$6,050/ S$5,150 S$5,277
95 S$6,050/ S$5,150 S$5,277
96 S$6,496/ S$5,596 S$5,508
97 S$6,496/ S$5,596 S$5,508
98 S$6,496/ S$5,596 S$5,508
99 S$7,163/ S$6,930 S$6,083
100 S$7,163/ S$6,930 S$6,083

Annual premium table for Great Eastern Supreme Health P Plan and Great Eastern Total Health Rider

Refer to following for more details: Great Eastern Supreme Health P Plan and Great Eastern Total Health Rider Rider

The table below shows the annual premiums for AIA HealthShield Gold Max A and AIA Max Essential A Rider.

This allows 100% claims for the first dollar up, for hospitalisation and medical treatment in private hospital.

Age Band AIA HealthShield Gold Max A
(Actual Premium/ Nett premium payable after using MediSAVE)
AIA Max Essential A
(Premium for rider must be fully paid by cash)
1 S$155/ S$0 S$396
2 S$155/ S$0 S$396
3 S$155/ S$0 S$396
4 S$155/ S$0 S$396
5 S$155/ S$0 S$396
6 S$155/ S$0 S$396
7 S$155/ S$0 S$396
8 S$155/ S$0 S$396
9 S$155/ S$0 S$396
10 S$155/ S$0 S$396
11 S$155/ S$0 S$396
12 S$155/ S$0 S$396
13 S$155/ S$0 S$396
14 S$155/ S$0 S$396
15 S$155/ S$0 S$396
16 S$155/ S$0 S$396
17 S$155/ S$0 S$396
18 S$155/ S$0 S$396
19 S$155/ S$0 S$396
20 S$155/ S$0 S$396
21 S$166/ S$0 S$396
22 S$166/ S$0 S$396
23 S$166/ S$0 S$396
24 S$166/ S$0 S$396
25 S$166/ S$0 S$396
26 S$196/ S$0 S$396
27 S$196/ S$0 S$396
28 S$196/ S$0 S$396
29 S$196/ S$0 S$396
30 S$196/ S$0 S$396
31 S$260/ S$0 S$441
32 S$260/ S$0 S$441
33 S$260/ S$0 S$441
34 S$260/ S$0 S$441
35 S$260/ S$0 S$441
36 S$271/ S$0 S$441
37 S$271/ S$0 S$441
38 S$271/ S$0 S$441
39 S$271/ S$0 S$441
40 S$271/ S$0 S$441
41 S$570/ S$0 S$581
42 S$570/ S$0 S$581
43 S$570/ S$0 S$581
44 S$570/ S$0 S$581
45 S$570/ S$0 S$581
46 S$570/ S$0 S$581
47 S$570/ S$0 S$581
48 S$570/ S$0 S$581
49 S$570/ S$0 S$581
50 S$570/ S$0 S$581
51 S$884/ S$284 S$716
52 S$884/ S$284 S$716
53 S$884/ S$284 S$716
54 S$884/ S$284 S$716
55 S$884/ S$284 S$716
56 S$1,043/ S$443 S$986
57 S$1,043/ S$443 S$986
58 S$1,043/ S$443 S$986
59 S$1,043/ S$443 S$986
60 S$1,043/ S$443 S$986
61 S$1,515/ S$915 S$1,490
62 S$1,515/ S$915 S$1,490
63 S$1,515/ S$915 S$1,490
64 S$1,515/ S$915 S$1,490
65 S$1,515/ S$915 S$1,490
66 S$2,138/ S$1,538 S$2,128
67 S$2,138/ S$1,538 S$2,128
68 S$2,138/ S$1,538 S$2,128
69 S$2,138/ S$1,538 S$2,128
70 S$2,138/ S$1,538 S$2,128
71 S$2,839/ S$1,939 S$2,620
72 S$2,839/ S$1,939 S$2,620
73 S$2,839/ S$1,939 S$2,620
74 S$3,145/ S$2,245 S$2,667
75 S$3,145/ S$2,245 S$2,667
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76 S$4,299/ S$3,399 S$2,738
77 S$4,299/ S$3,399 S$2,738
79 S$4,299/ S$3,399 S$2,738
79 S$4,793/ S$3,893 S$2,738
80 S$4,793/ S$3,893 S$2,738
81 S$5,035/ S$4,135 S$3,227
82 S$5,035/ S$4,135 S$3,227
83 S$5,035/ S$4,135 S$3,227
84 S$5,508/ S$4,608 S$3,505
85 S$5,508/ S$4,608 S$3,505
86 S$5,938/ S$5,038 S$3,682
87 S$5,938/ S$5,038 S$3,682
88 S$5,938/ S$5,038 S$3,682
89 S$6,240/ S$5,340 S$3,835
90 S$6,240/ S$5,340 S$3,835
91 S$6,800/ S$5,900 S$4,012
92 S$6,800/ S$5,900 S$4,012
93 S$6,800/ S$5,900 S$4,012
94 S$7,170/ S$6,270 S$4,272
95 S$7,170/ S$6,270 S$4,272
96 S$7,650/ S$6,750 S$4,685
97 S$7,650/ S$6,750 S$4,685
98 S$7,650/ S$6,750 S$4,685
99 S$7,730/ S$6,830 S$4,980
100 S$7,730/ S$6,830 S$4,980

AIA HealthShield Gold Max A and AIA Max Essential A annual premium table

Refer to following for more details: AIA HealthShield Gold Max A and AIA Max Essential A Rider

The table below shows the annual premiums for Prudential PruShield Premier and Prudential PruExtra Premier Rider.

This allows 100% claims for the first dollar up, for hospitalisation and medical treatment in private hospital.

Age Prudential PruShield Premier
(Actual Premium/ Nett premium payable after using MediSAVE)
Prudential PruExtra Premier
(Premium for rider must be fully paid by cash)
1 S$163/ S$0 S$606
2 S$163/ S$0 S$606
3 S$163/ S$0 S$600
4 S$163/ S$0 S$600
5 S$163/ S$0 S$588
6 S$163/ S$0 S$538
7 S$163/ S$0 S$546
8 S$163/ S$0 S$546
9 S$163/ S$0 S$555
10 S$163/ S$0 S$559
11 S$163/ S$0 S$564
12 S$163/ S$0 S$568
13 S$163/ S$0 S$569
14 S$163/ S$0 S$569
15 S$163/ S$0 S$569
16 S$163/ S$0 S$573
17 S$163/ S$0 S$573
18 S$163/ S$0 S$573
19 S$190/ S$0 S$573
20 S$190/ S$0 S$573
21 S$175/ S$0 S$573
22 S$175/ S$0 S$574
23 S$175/ S$0 S$575
24 S$175/ S$0 S$575
25 S$175/ S$0 S$575
26 S$205/ S$0 S$575
27 S$205/ S$0 S$584
28 S$205/ S$0 S$593
29 S$205/ S$0 S$601
30 S$205/ S$0 S$610
31 S$290/ S$0 S$619
32 S$290/ S$0 S$628
33 S$290/ S$0 S$636
34 S$300/ S$0 S$645
35 S$300/ S$0 S$654
36 S$300/ S$0 S$663
37 S$300/ S$0 S$671
38 S$300/ S$0 S$680
39 S$300/ S$0 S$689
40 S$300/ S$0 S$698
41 S$576/ S$0 S$919
42 S$576/ S$0 S$932
43 S$576/ S$0 S$1,022
44 S$576/ S$0 S$1,052
45 S$576/ S$0 S$1,052
46 S$581/ S$0 S$1,052
47 S$586/ S$0 S$1,052
48 S$590/ S$0 S$1,052
49 S$595/ S$0 S$1,052
50 S$600/ S$0 S$1,052
51 S$870/ S$270 S$1,338
52 S$883/ S$283 S$1,346
53 S$923/ S$323 S$1,375
54 S$962/ S$362 S$1,479
55 S$1,002/ S$402 S$1,516
56 S$1,041/ S$441 S$1,875
57 S$1,159/ S$559 S$1,888
58 S$1,159/ S$559 S$1,894
59 S$1,159/ S$559 S$2,088
60 S$1,159/ S$559 S$2,168
61 S$1,510/ S$910 S$2,625
62 S$1,520/ S$920 S$2,670
63 S$1,520/ S$920 S$2,864
64 S$1,520/ S$920 S$2,983
65 S$1,520/ S$920 S$2,983
66 S$2,125/ S$1,525 S$3,592
67 S$2,277/ S$1,677 S$3,835
68 S$2,297/ S$1,697 S$4,078
69 S$2,297/ S$1,697 S$4,108
70 S$2,297/ S$1,697 S$4,138
71 S$2,815/ S$1,915 S$4,168
72 S$2,953/ S$2,053 S$4,198
73 S$2,963/ S$2,063 S$4,372
74 S$3,140/ S$2,240 S$4,586
75 S$3,452/ S$2,552 S$4,777
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76 S$3,608/ S$2,708 S$4,975
77 S$3,920/ S$3,020 S$5,169
78 S$4,149/ S$3,249 S$5,361
79 S$4,333/ S$3,433 S$5,553
80 S$4,714/ S$3,814 S$5,733
81 S$5,019/ S$4,119 S$5,914
82 S$5,400/ S$4,500 S$6,094
83 S$5,857/ S$4,957 S$6,144
84 S$6,134/ S$5,234 S$6,194
85 S$6,395/ S$5,495 S$6,424
86 S$6,586/ S$5,686 S$6,655
87 S$6,846/ S$5,946 S$6,885
88 S$7,107/ S$6,207 S$7,053
89 S$7,368/ S$6,468 S$7,221
90 S$7,518/ S$6,618 S$7,278
91 S$7,565/ S$6,665 S$7,335
92 S$7,565/ S$6,665 S$7,391
93 S$7,565/ S$6,665 S$7,503
94 S$8240/ S$7,340 S$7,614
95 S$8294/ S$7,394 S$7,690
96 S$8360/ S$7,460 S$7,766
97 S$8420/ S$7,520 S$7,843
98 S$8420/ S$7,520 S$7,958
99 S$8420/ S$7,520 S$8,071
100 S$8420/ S$7,520 S$8,186

Prudential PruShield Premier and Prudential PruExtra Premier annual premium table

Refer to following for more details: Prudential PruShield Premier and Prudential PruExtra Premier Rider

The table below shows the annual premiums for AXA Shield Plan A and AXA Basic Care Rider.

This allows 100% claims for the first dollar up, for hospitalisation and medical treatment in private hospital.

Age AXA Shield Plan A
(Actual Premium/ Nett premium payable after using MediSAVE)
AXA Basic Care Rider
(Premium for rider must be fully paid by cash)
1 S$142/ S$0 S$264
2 S$142/ S$0 S$264
3 S$142/ S$0 S$264
4 S$142/ S$0 S$264
5 S$142/ S$0 S$264
6 S$142/ S$0 S$264
7 S$142/ S$0 S$264
8 S$142/ S$0 S$264
9 S$142/ S$0 S$264
10 S$142/ S$0 S$264
11 S$142/ S$0 S$264
12 S$142/ S$0 S$264
13 S$142/ S$0 S$264
14 S$142/ S$0 S$264
15 S$142/ S$0 S$264
16 S$142/ S$0 S$264
17 S$142/ S$0 S$264
18 S$142/ S$0 S$264
19 S$142/ S$0 S$309
20 S$142/ S$0 S$309
21 S$166/ S$0 S$322
22 S$166/ S$0 S$322
23 S$166/ S$0 S$322
24 S$166/ S$0 S$322
25 S$166/ S$0 S$322
26 S$166/ S$0 S$322
27 S$166/ S$0 S$322
28 S$166/ S$0 S$322
29 S$166/ S$0 S$322
30 S$166/ S$0 S$322
31 S$272/ S$0 S$322
32 S$272/ S$0 S$322
33 S$272/ S$0 S$322
34 S$272/ S$0 S$322
35 S$272/ S$0 S$322
36 S$272/ S$0 S$322
37 S$272/ S$0 S$322
38 S$272/ S$0 S$322
39 S$272/ S$0 S$322
40 S$272/ S$0 S$322
41 S$461/ S$0 S$327
42 S$461/ S$0 S$327
43 S$461/ S$0 S$327
44 S$461/ S$0 S$327
45 S$461/ S$0 S$327
46 S$574/ S$0 S$374
47 S$574/ S$0 S$374
48 S$574/ S$0 S$374
49 S$574/ S$0 S$374
50 S$574/ S$0 S$374
51 S$779 S$179 S$412
52 S$779 S$179 S$412
53 S$779 S$179 S$412
54 S$779 S$179 S$412
55 S$779 S$179 S$412
56 S$950/ S$350 S$570
57 S$950/ S$350 S$570
58 S$950/ S$350 S$570
59 S$950/ S$350 S$570
60 S$950/ S$350 S$570
61 S$1,250/ S$650 S$859
62 S$1,250/ S$650 S$859
63 S$1,250/ S$650 S$859
64 S$1,250/ S$650 S$859
65 S$1,250/ S$650 S$859
66 S$1,795/ S$1,195 S$1,275
67 S$1,795/ S$1,195 S$1,275
68 S$1,795/ S$1,195 S$1,275
69 S$1,795/ S$1,195 S$1,275
70 S$1,795/ S$1,195 S$1,275
71 S$2,335/ S$1,435 S$1,547
72 S$2,335/ S$1,435 S$1,547
73 S$2,335/ S$1,435 S$1,547
74 S$2,776/ S$1,876 S$1,600
75 S$2,776/ S$1,876 S$1,600
New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.
76 S$3,230/ S$2,330 S$1,651
77 S$3,230/ S$2,330 S$1,651
78 S$3,230/ S$2,330 S$1,651
79 S$3,617/ S$2,717 S$1,691
80 S$3,617/ S$2,717 S$1,691
81 S$4,053/ S$3,153 S$1,894
82 S$4,053/ S$3,153 S$1,894
83 S$4,053/ S$3,153 S$1,894
84 S$4,536/ S$3,636 S$2,125
85 S$4,536/ S$3,636 S$2,125
86 S$5,082/ S$4,182 S$2,248
87 S$5,082/ S$4,182 S$2,248
88 S$5,082/ S$4,182 S$2,248
89 S$5,693/ S$4,793 S$2,474
90 S$5,693/ S$4,793 S$2,474
91 S$6,929/ S$6,029 S$2,705
92 S$6,929/ S$6,029 S$2,705
93 S$6,929/ S$6,029 S$2,705
94 S$7,354/ S$6,454 S$2,889
95 S$7,354/ S$6,454 S$2,889
96 S$8,155/ S$7,255 S$2,997
97 S$8,155/ S$7,255 S$2,997
98 S$8,155/ S$7,255 S$2,997
99 S$9,134/ S$8,234 S$3,065
100 S$9,134/ S$8,234 S$3,065

AXA Shield Plan A and AXA Basic Care Rider annual premium table

Refer to following for more details: AXA Shield Plan A and AXA Basic Care Rider

Other related questions

Questions (and answers) regarding insurance premiums and comparison of Integrated Shield Plans and riders.

There are distinct benefits and features from all 6 integrated Shield Plans and riders provider in Singapore such s:

  • Length of pre and post-hospitalisation coverage
  • Eligible hospital Ward beds
  • Category and limits of claimable charges
  • Unique features by the insurers (If any)

The above are by no means the only differentiating factors.

There is no overall best plan for hospitalisation and medical coverage.

InterestgGuru.sg does have a detailed write-up on the 3 best Integrated Shield Plans and rider (2018 Edition) based on their features and benefits.

Drop us a message below or refer to the Integrated Shield Plan page for details write-up on the questions you may have.

Drop us a message if we missed out your questions on Integrated Shield Plan and Integrated Shield Plan riders.

Alternatively, upgrade your MediShield LIFE for the best hospitalisation and medical treatment coverage by using our Integrated Shield Plan and riders selector.

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