MediShield Life

New Integrated Shield riders: Should you make a switch?

Riders are cheaper but increase out-of-pocket costs. Is the switch worth it? What are the hidden costs and cancer coverage changes?

While out-of-pocket costs may increase, insurers say that they remain predictable and manageable.

New IP riders kick in with lower premiums, but higher out-of-pocket costs

Insurers are adjusting product features in response to the new framework

MOH says advances in medical science mean some preventive treatments for high-risk patients are now considered medically necessary.
SINGAPORE BUDGET 2026

Budget 2026: MOH to extend MediShield Life to selected preventive surgeries, revamp MediSave scheme

An AI tool to help doctors flag Healthier SG enrollees at high risk of chronic disease will also be rolled out

An Integrated Shield plan is optional health coverage provided by private insurance companies on top of MediShield Life.

Six out of seven insurers raised premiums for Integrated Shield plans, riders in 2025

[SINGAPORE] Citing pressures from rising claims, medical inflation and expanded benefits, all private insurers but one here offering Integrated Shield Plans (IPs) have increased premiums for most of t...

Starting in April, claim limits for MediShield Life will be raised, and coverage will be expanded to include additional outpatient treatments and new therapies.

Insurers brush off impact of higher MediShield Life premiums, claim limits on Integrated Shield Plan

Companies and association say medical inflation and healthcare consumption are key factors to keeping long-term costs sustainable

Starting in April, some MediShield Life rules will be changing, and that will also affect Integrated Shield Plans.

WealthBT: MediShield Life and Integrated Shield Plan changes in 2025 - What you need to know

WealthBT host Genevieve Cua and Alex Lee, president of the Singapore Actuarial Society, unpack the upcoming changes to MediShield Life and Integrated Shield Plans.

In Integrated Shield Plans, a pro-ration factor is applied if a policyholder consumes healthcare at a higher class ward than his plan entitlement. This prevents cross-subsidisation, which will eventually raise plan premiums.

How fair are Integrated Shield Plans’ pro-ration factors?

The public’s concerns about IPs shows that an expectation gap clearly exists

All changes to IP coverage have to be approved by the MOH.

Great Eastern cuts coverage for A and B1 policyholders who upgrade to a higher-class ward

INSURANCE company Great Eastern Life (GE) has reduced significantly the coverage for its integrated shield plans (IPs) – which pay for non-subsidised treatment – when a policyholder opts for a higher ...

Pharmaceutical companies charge different prices in different countries for the same drugs.

Understanding medical insurance premiums and why they are rising

Claims take up the largest share per dollar of premium at 78 per cent, followed by distribution cost at 12 per cent