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Enhance your protection against unexpected medical expenses
At a Glance
Get hospitalisation coverage on top of MediShield Life
Provides coverage for choosing private hospitals or Class B1/A wards in public hospitals
Eligible for all Singaporeans and PRs
No age limit and eligible from birth
Payable with CPF MediSave up to approved limits
More than 70% of Singaporeans and PRs have an Integrated Shield Plan (IP) which enhances their hospitalisation coverage – Are you one of them?
If not, it’s not too late to consider getting an IP. You can now compare the Integrated Shield Plans from different insurance providers and pick a plan that suits your needs.
Features & Benefits
What you need to know about hospitalisation coverage
|MediShield Life vs Integrated Shield Plan
|What is MediShield Life?
|MediShield Life ensures lifelong health insurance coverage for major hospital bills and selected outpatient treatments. It covers most subsidised treatments in public hospitals (B2/C wards).
|What is Integrated Shield Plan (IP)?
|Integrated Shield Plans (IP) provide additional coverage on top of MediShield Life. That means higher coverage when you choose private hospitals or Class B1/A wards in public hospitals.
Do I need an Integrated Shield Plan (IP)?
The first step to getting the right coverage is knowing what you already have. It's okay if you aren't sure. Here's how to find out in just a few minutes:
Step 1: Visit the CPF website
Step 2: Log in using Singpass
Step 3: Go to ‘Healthcare dashboard’, view coverage status under ‘Healthcare insurance’ section
If you have an IP, it means you will also have MediShield Life. There is no duplicate coverage and no double premium payment.
How it works
The premiums may not be a significant concern in your youthful working years. However, consider the affordability in the long-term.
In your 70s or 80s, when you're no longer working, the supplementary private insurance component could amount to 4 times the premiums of MediShield Life. (Source: CPF)
In the event that your child is hospitalised, Medisave can pay for your child’s medical costs. However, there are caps to the coverage.
If your child is a Singaporean or a Permanent Resident, he or she will be covered by MediShield Life, a basic health insurance plan in Singapore. Many parents also complement their MediShield Life with an Integrated Shield Plan (IP) to get better protection and healthcare coverage for their children.
With an IP, you have a choice of medical specialists, stay at wards with enhanced amenities, and higher claim limits. You can also make use of Medisave to pay the premiums for your child’s IP.
Securing health insurance for your children at a young age ensures they are protected without the concern of pre-existing conditions affecting their coverage.
All Singapore Citizens and Permanent Residents are covered by MediShield Life.
There is no age limit for the application of IP and one can get an IP from birth.
Head over to Health Marketplace where you can compare Integrated Shield Plans from different insurance providers and pick a plan that suits your needs.
The DBS Health Marketplace does not provide information on all Integrated Shield Plans and CareShield Life Supplements available in Singapore and only displays information from DBS’ insurer partners. While we strive to keep all our insurers’ partners product information accurate and up to date, please note that the most updated product information will be only available on our insurer partners’ own site. We may receive fees or commission from our insurer partners for marketing or selling their products to you. The information provided on DBS Health Marketplace is only for education and your general information. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. If you require advice relevant to your own circumstances, please speak to a financial adviser. If you have chosen not to do so, you should read the precise terms, conditions and exclusions of the plan which can be found in the policy conditions available in the insurer partner’s website, including the free-look provision, and consider whether the plan is suitable for you.