How Integrated Shield Plan Works
What is an Integrated Shield Plan?
Every year, your Medisave is automatically used to pay for your MediShield Life premiums – a compulsory health insurance for all Singapore Citizens (SC) and Permanent Residents (PR).
An Integrated Shield Plan is a medical insurance plan which offers additional benefits on top of that provided by MediShield Life.
MediShield Life is a compulsory health insurance for all Singapore Citizens (SC) and Permanent Residents (PR).
Every year, your MediSave is automatically used to pay for your MediShield Life premiums.
What Are The Additional Benefits of An Integrated Shield Plan?
Take a look at the illustration below to understand the perks of getting an Integrated Shield Plan.
With MediShield Life Only
Provides basic coverage targeted at large hospital bills in class B2/C (Public Hospital)
Do not cover Pre- & Post- hospitalisation.
MediShield Life payout annual limit is only $150,000. Any amount of the bill above the annual limit of $150,000 will be payable by you.
With Integrated Shield Plan
Higher Coverage
Greater Protection Against Large Hospital Bills
Wider scope of coverage Coverage up to A/B1 class wards in public and private hospitals Some benefits are as charged, instead of being capped at limits
Covers Pre- & Post- hospitalisation
Claim Limits
The maximum amount you can claim from MediShield Life depends on the claim limit for each type of expense.
Deductible
The amount which you have to pay before we pay any claim under your policy.
Co-Insurance
The amount which you have to co-pay after the deductible has been applied to the reasonable and customary expenses (usually 10%).
What Can Raffles Health Insurance Offer On Top Of MediShield Life?
We offer Raffles Shield, an Integrated Shield Plan designed to provide additional health insurance coverage and complement your MediShield Life.
Take a look at the table below to compare the additional benefits.
| MediShield Life Coverage Up To – | Raffles Shield Plan Coverage Up To – | |
| Daily Ward & Treatment Charges | $800/Day | As Charged |
| Daily Ward & Treatment Charges In ICU | $2,200/Day | As Charged |
| Community Hospital (i) Rehabilitative (ii) Sub-acute | (i) $350/Day (ii) $430/Day | As Charged |
| Surgery | $240 – $2,600 | As Charged |
| Surgical Implants & Approved Medical Consumables | $7,000/Treatment | As Charged |
| Gamma Knife | $10,000/Treatment Course | As Charged |
| Inpatient Psychiatric Treatment | $160/Day (Up To 60 Days) | $8,000/Year |
| Accidental Inpatient Dental Treatment | Not Covered | Covered |
| MediShield Life Coverage Up To – | Raffles Shield Plan Coverage Up To – | |
| Kidney Dialysis | $1,100/Month | As Charged |
Radiotherapy (i) External (Except Hemi-Body) or Superficial (ii) Brachytherapy (iii) Hemi Body | (i) $300/Treatment (ii)$500/Treatment (iii)$900/Treatment | As Charged |
| Chemotherapy | $3,000/Month | As Charged |
| Immunotherapy | Not Covered | As Charged |
| Stereotactic Radiotherapy | $1,800/Treatment | As Charged |
| Immunosuppressants For Organ Transplant | $550/Month | As Charged |
| Erythropoietin for Chronic Kidney Failure | $200/Month | As Charged |
| MediShield Life | Raffles Shield Plan (Excluding Standard Plan) | |
| Pre-Hospitalisation Treatment (Subject To Max. No. of Days) | Not Covered | Covered |
| Post-Hospitalisation Treatment (Subject To Max. No. of Days) | Not Covered | Covered |
| Post-Hospitalisation Psychiatric Treatment* | Not Covered | Covered |
| Waiver Of Premium For Insured* | Not Covered | Covered |
| Breast Reconstruction After Mastectomy | Not Covered | Covered |
| Major Organ Transplant | Covered | Covered |
| Stem Cell Transplant | Covered | Covered |
| Human Immunodeficiency Virus (HIV) Due To Blood Transfusion And Occupationally Acquired HIV | Covered | Covered |
| Living Donor Organ Transplant | Covered | Covered |
| Pregnancy Complications Benefit | Covered | Covered |
| Congenital Abnormalities Benefit For Insured | Covered | Covered |
*Terms and Conditions Apply.
Updated as of 1 March 2022