Best Hospitalisation Shield Plan in Singapore (2026)
Compare Integrated Shield Plans & Boost Your Hospitalisation Coverage. Get a Free Consultation Across a Suite of Major Insurers. Choose from Private or Government/Restructured Ward Plans – From April 2026 onwards, all current riders cannot be applied
Hospitalisation Integrated Shield Plan Overview
The Integrated Shield Plan (IP) is a healthcare insurance scheme in Singapore that combines MediShield Life (a basic national health insurance plan) with additional private insurance coverage. It is offered by private insurers but is integrated with the public healthcare system. The IP provides enhanced coverage for hospitalisation and medical treatments, allowing policyholders to access better healthcare services, including private hospitals and higher-class wards in public hospitals.
Select Public or Private
Choice of Public only hospital ward or Get Insured for both Private and Public hospital for your treatment, stay and day surgery needs. Provide as charged coverage when you choose your doctor.
Co-insurance & Deductible
Get covered for Co insurance and deductibles with riders. Understand the mandatory co insurance requirement as well as deductibles incurred for visit to a private non panel or panel specialist.
Cancer Service Coverage
With the recent MOH updates on the approved and non-approved cancer drug list, it is crucial to understand the differences between shield plans , especially since cancer remains the most common critical illness.
Why Choose Famwealth?
- Compare Multiple Insurers
- Independent and Unbiased
- Expert Advice Available
- 100% No Obligation
Sample Quotes (Latest Rates 2026)
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Sample Mortgage Insurance Quotes Covering 1,000,000 Death/Terminal Illness and Total Permanent Disability, Non Smoker Age 35 Cover 30 years, 3% Decreasing for Mortgage Insurance |
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|---|---|---|
| Insurers | Female Monthly Premium | Male Monthly Premium |
| Manulife Mortgage Insurance | $51.93 | $55 |
| Etiqa Mortgage Insurance | $73.50 | $103.25 |
| Income Mortgage Insurance | $70.70 | $88.70 |
| Singlife Term | $49 | $62.40 |
| Tokio Marine Term | $59.30 | $81.80 |
| FWD Term | $54.90 | $74.20 |
| China Taiping Term | $45.55 | $77 |
Integrated Shield Plan F.A.Q
Find answers to commonly asked questions about Integrated Shield Plan n Singapore
Insured age between 14 days old and age next birthday 75 will be eligible to apply for integrated shield policies.
Yes. Pass holders can purchase integrated shield plans in Singapore to enjoy similar coverage as Singaporeans and PR. You may enquire to find out which insurer is eligible for pass holders.
There’s no right or wrong answer to this. If you can afford it and want better hospitalization coverage beyond your working years, an Integrated Shield Plan may be a wise choice. While your company insurance covers you now, it may end when you leave your job. An Integrated Shield Plan offers an affordable safety net for lifelong coverage. However, if you choose not to get one, you will still have MediShield Life to cover basic hospitalization expenses.
Yes, all Integrated Shield Plans (IPs) in Singapore provide coverage at Mount Elizabeth Hospitals, but the actual amount reimbursed depends on the plan tier you hold. If you’re on a Private Hospital IP, your bills at Mount Elizabeth are generally covered as charged (after deductible and co-insurance), while those with Restructured Hospital A/B1 ward IPs can still seek treatment there but will only be reimbursed a percentage of the private hospital bill, meaning you must co-pay the balance. In short, Mount Elizabeth is always claimable under an IP, but the amount of claim is subjected to the plan type.
After our insurance experts contact you via your form submission to clarify your needs and guide you through your options. You can then apply to upgrade your medishield life to an integrated shield with them advisors online or face to face submission. Premium payments can be made via credit card (recurring setup), GIRO, AXS (physical stations, website, or app), or bank transfer through online banking