HI Integrated Shield Plans

Question 1

What are Integrated Shield Plans (IPs) in Singapore?

Accepted Answer

Optional health insurance plans offered by private insurers that provide coverage above MediShield Life for higher ward classes and private hospitals

Answer

Government-run health insurance

Answer

Dental insurance plans

Answer

Travel health insurance

Question 2

Which private insurers are authorised to offer Integrated Shield Plans in Singapore?

Accepted Answer

Only MAS-approved insurers including AIA, Great Eastern, NTUC Income, Prudential, Raffles Health Insurance, and Singlife

Answer

Any insurance company can offer IPs

Answer

Only government agencies

Answer

Only foreign insurers

Question 3

Can Medisave be used to pay for Integrated Shield Plan premiums?

Accepted Answer

Yes, up to the Additional Withdrawal Limits (AWLs) set by MOH, with the remainder payable in cash

Answer

No, only cash payment is accepted

Answer

Yes, with no limits on Medisave usage

Answer

Only for the first year's premium

Question 4

What are IP riders and why have they been reformed in Singapore?

Accepted Answer

IP riders provide additional benefits (e.g., covering deductible and co-insurance); reforms require riders to have co-payment of at least 5% to reduce overconsumption

Answer

Riders are not available for IPs

Answer

Riders are free add-ons

Answer

Riders only cover dental

Question 5

What should consumers consider when choosing between different IP plans in Singapore?

Accepted Answer

Coverage level (ward class), claim limits, panel vs non-panel hospital differences, premium affordability, rider options, and the insurer's claim process

Answer

Only the premium cost

Answer

Only the insurer's brand name

Answer

Only whether friends have the same plan

Question 6

What happens to your Integrated Shield Plan when you change insurers in Singapore?

Accepted Answer

Portability rules allow you to switch insurers without losing MediShield Life coverage or facing new exclusions for pre-existing conditions already covered

Answer

You lose all coverage immediately

Answer

You must re-apply as a new customer

Answer

Switching is not allowed