Integrated Shield Plans

Getting started on your
health insurance journey -
here's what you need to know.

Find the right Integrated Shield Plan for your life. Real data from MOH, honest comparisons, no jargon - in about 3 minutes.

Takes about 3 minutes · No login needed
✓No paywall ✓No cold outreach or spam ✓No insurer bias or pay-to-play
Step 1 of 5 20%
Step 1 - Hospital preference
Which ward class suits you?
Your choice sets your plan tier and the insurers available to you.
Deductible
The fixed amount you pay first each year before insurance pays anything. e.g. with a $2,500 deductible, the first $2,500 of any hospital bill is yours.
Co-insurance
After the deductible, you split the remaining bill with your insurer. All ISPs use a flat 10% co-insurance rate.
Source: MOH IP Comparison Tables, Jan 2025
💡It is easier to downgrade plans than to upgrade as you get older.
Private Hospital Most comprehensive
Single room, widest specialist choice, any private hospital. Highest premiums - some plans have seen 7-17% annual premium growth.
Deductible $3,500/yr · Co-insurance 10%
Class A Ward Public hospital · Single/2-bed
Single or 2-bedder room in a public hospital. Good comfort at lower cost than private.
Deductible $3,500/yr · Co-insurance 10%
Class B1 Ward Most popular
4-bedder room in a public hospital. The most common choice - good coverage at stable, manageable premiums.
Deductible $2,500/yr · Co-insurance 10%
Standard IP B1-targeted · Identical benefits
Benefits are identical across all 7 insurers by regulation. The only difference is premium price and growth rate.
Deductible $2,500/yr · Co-insurance 10%
Step 2 - Your age
How old are you?
Premiums are age-banded and increase as you get older. Locking in a plan early avoids higher rates and potential exclusions.
⏰Tip: Last entry age for most ISPs is 75. The younger you buy, the lower your base premium - and you'll avoid any pre-existing condition exclusions that apply at older ages.
30
years old
1874 (last entry age for most plans)
Step 3 - Cash outlay
How much cash are you willing to top up per year?
After Medisave covers its portion, any remaining premium is paid in cash. This helps us filter plans to your budget.
💰Tip: Most younger people can find a solid B1 plan with $0-$300 cash/year - Medisave alone covers the full premium. Only the private-hospital tier typically requires significant cash outlay.
$0 - $600/year Most Medisave-efficient
I want my premium mostly or fully covered by Medisave. Minimal cash outlay.
$600 - $2,400/year
I'm comfortable paying some cash on top. Willing to trade cost for better coverage.
$2,400+/year Private hospital range
Coverage is my priority. I'll pay what's needed for the most comprehensive plan.
Step 4 - Coverage priorities
What matters most to you?
Select all that apply. These help score plans that match your specific needs.
🏥Tip: In Singapore, cancer and kidney disease are among the most common reasons for large hospital bills. Even if you're healthy now, these are worth considering.
Cancer coverage
Drug treatment, proton beam
Kidney / dialysis
Chronic kidney, dialysis
Psychiatric care
Inpatient mental health
Critical illness bonus
Extra payout over base limit
Overseas treatment
Emergency + planned overseas
Organ transplant
Living donor coverage
Cell / gene therapy
Advanced treatment up to $250k/yr
Post-hospital care
Follow-up after discharge
Your shortlist
Top plans for your profile
Head-to-head comparison
Out-of-pocket at your age
Green = Medisave · Amber = Cash top-up
Premium trajectory
You've done the hard part - understanding your options.
  • Speak to a licensed financial advisor before purchasing any plan
  • Ask friends or family for trusted agent referrals
  • Visit MOH's website to read full policy documents and official comparisons
  • Log into your CPF Healthcare Dashboard to review your current coverage status
Important: Data sourced from MOH IP comparison tables, January 2025, inclusive of 9% GST. CAGR figures reflect the compound annual growth rate of the private IP component (excluding MediShield Life base) over 3 years - they do not predict future changes. Discontinued plans (marked *) are retained for existing holders but no longer sold to new members.

Riders are not covered by this tool. Riders are optional add-ons that reduce your out-of-pocket costs (deductible and co-insurance). They are cash-only (not Medisave-payable) and are undergoing significant regulatory changes from 1 April 2026. Consult a licensed financial advisor for rider advice.

This tool is for educational purposes only and does not constitute financial advice. Always verify with the insurer and consult a licensed advisor before purchasing.
↩ Start over

Why I built
this guide

Why this exists

I skipped it. Then I got sick.

Running then falling sick

I skipped getting an ISP when I was young. The whole topic felt overwhelming - too many plans, too much jargon.

Then I fell sick. The paperwork, the bills, the decisions - all at once. I wished I had done this earlier.

💡 ISP premiums are lowest when you're young - and most of the cost is Medisave-payable anyway.
Did you know?

Singapore ISP coverage facts

71%
of Singapore residents have an ISP
67%
of ISP holders also have a rider
~29%
rely solely on basic MediShield Life
38%
of ISP holders are on private hospital plans (down from 40% in 2021)
100k
people drop or downgrade their riders every year
2.2%
of over-60s gave up their IP entirely between 2020-2023

Sources: Ministry of Health data; Straits Times, July 2024; MOH rider announcement, Nov 2025

What is an ISP?

Your coverage, explained simply

An Integrated Shield Plan (ISP) is sold by a private insurer and bundles two things together:

Medisave (CPF)
Your CPF healthcare savings - used to pay premiums for both MediShield Life and your ISP (up to AWL limits)
💊 Everyone has this
MediShield Life
Mandatory for all Singaporeans and PRs. Covers subsidised Class B2/C ward in public hospitals.
🛡 Everyone has this
Private ISP top-up component
Optional add-on covering higher wards, private hospitals, longer post-hospitalisation care, and more.
🏥 Optional - this tool helps you choose

ISPs do not provide duplicate coverage with MediShield Life - they take over the MediShield Life component and add their own top-up. A dash in the comparison tables means no private coverage for that benefit; MediShield Life limits still apply.

The MediShield Life premium is fully Medisave-payable. The private top-up component is also partially Medisave-payable up to the Annual Additional Withdrawal Limits (AWL): $300/yr (age ≤40), $600/yr (age 41-70), $900/yr (age 71+). Any amount above this is paid in cash.

ISPs are regulated by the Monetary Authority of Singapore (MAS) and overseen by the Ministry of Health (MOH). Currently six insurers offer ISPs: AIA, Great Eastern, Income Insurance, Prudential, Raffles Health Insurance, and Singlife with Aviva.

→ MOH: About Integrated Shield Plans

What are riders?

IP riders - what they are and why this tool doesn't cover them

A rider is an optional add-on you can purchase on top of your base ISP. Riders are designed to reduce the out-of-pocket costs you face when hospitalised - primarily by covering the deductible and co-insurance that your ISP requires you to pay.

For example, without a rider, a $50,000 hospital bill on a Class A plan would still leave you paying $3,500 (deductible) + 10% co-insurance on the remaining amount. A rider can absorb most or all of that gap.

⚠️ Important change from 1 April 2026: MOH has introduced new rules for IP riders. New riders must include a minimum co-payment (deductible cannot be fully covered), and a co-payment cap of at least $6,000. This is to discourage over-consumption of healthcare. New rider premiums are expected to be about 30% lower on average. Existing riders purchased before 27 November 2025 may be grandfathered - check with your insurer.

Riders are not covered by this tool for several reasons: rider premiums are cash-only (not Medisave-payable), they vary significantly by insurer and health profile, and the market is changing rapidly with the April 2026 reforms. Always consult a licensed financial advisor for rider recommendations.

Data sources & accuracy

Where this data comes from

  • All premium tables are sourced directly from the MOH IP comparison tables, January 2025, inclusive of 9% GST.
  • MediShield Life base premiums are from CPF Board published schedules (Jan 2025).
  • Annual Additional Withdrawal Limits (AWL) are from MOH published Medisave guidelines.
  • CAGR figures reflect the compound annual growth rate of the private IP component only (excluding MediShield Life base) over the last 3 years - they do not predict future premium changes.
  • Plans marked with * in the official documents are discontinued and no longer open to new members, though existing holders may renew.
  • ISP penetration statistics (29% without an ISP, ~3M with an ISP) are from Ministry of Health data, early 2025.

Data is reviewed periodically but may not reflect mid-year revisions. Always verify current premiums directly with the insurer or via the MOH website before purchasing.

Important disclaimers

What this tool covers and doesn't cover

This tool covers Integrated Shield Plans (ISPs) only, which are designed for hospitalisation and related care:

  • Inpatient hospitalisation and day surgery
  • Pre- and post-hospitalisation treatment (varies by plan)
  • Cancer drug treatment, outpatient dialysis, and selected chronic conditions

ISPs do not cover outpatient GP visits, dental, optical, or general daily health expenses. Those require separate products - outside this tool's scope.

Not financial advice. This tool is for educational and informational purposes only and does not constitute financial, insurance, or investment advice. The author is not compensated by any insurer. Premium figures are sourced from publicly available MOH data (Jan 2025) - always verify with the insurer. Consult a licensed financial adviser before making any purchase.