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Hospital insurance

Compare hospital plans (Integrated Shield)

7 insurers compared company-by-company — listed A→Z, never ranked, because benefits, networks and caps differ too much for a price sort to be fair. Enter your age and see each one’s annual premium above MediShield Life — the private top-up — split into MediSave and cash, with the co-payment, cap and limits that actually decide your bill. Where we’ve verified an insurer’s 2026 rider table, the card also shows the rider premium and a with-rider total.

By MoneyAtlas Research · Verified 20 Jul 2026 · How we verify & rank

Last verified 20 Jul 2026 · 60 official sources · base premiums 2026

Last verified20 Jul 2026

Data versionbase premiums 2026

Verified sources60 of 60

Base (above-MediShield-Life) premiums are normalised from official insurer 2026 premium tables and MOH references. Rider premiums are being re-sourced to the 2026 tables and are not yet included in the displayed figures. Confirm against the latest insurer illustration before any decision.

Spotted a figure that looks wrong or out of date? Report a data error— we’ll check it and correct it openly.

New · 1 Apr 2026What’s changing for IP riders in 2026 — the deductible rule, an up-to-S$6,000 annual co-payment cap (excludes the deductible; subject to panel/pre-authorisation conditions), and ~30% lower rider premiumsNew toolCan an endowment’s payout fund your hospital plan for life? Try the IP Funding calculatorGuideWhy are rider premiums getting more expensive? The official numbers — 17.2%/yr repricing, 3× bills, age bands
Ward class

Figures are the annual premium above MediShield Life (the private top-up), for a 35-year-old Singapore Citizen, from insurers’ published 2026 tables. Your MediShield Life premium (paid from MediSave) is on top and varies with subsidies. Each card also shows the plan’s rider from the insurer’s verified 2026 table — the rider premium (cash) and a with-rider total, with a chooser where a plan offers more than one rider. The headline figure stays base-only (the premium above MediShield Life), since the rider is optional. Plans aren’t benefit-identical — a lower premium can mean narrower coverage or network conditions, so compare the details, not just the price.

One plan per company · 7 companiesListed A→Z by company — not ranked

One representative plan per company — its lowest-premium option — for a 35-year-old Singapore Citizen. Pick a company or a ward class above to see every matching plan. We don’t rank across companies — benefits, networks and caps differ, so a price sort would mislead. Tap a card for the full benefits, or use Compare to line up to 3 side by side.

Premiums for age 35 (Singapore Citizen) from official published tables. Citizens and PRs pay the same additional private-insurance premium (only the MediShield Life subsidy differs); foreigners pay the whole premium in cash. Riders are optional and always paid in cash. Factual comparison, not advice.

Found a plan that looks right? Sanity-check it first

Free and no obligation — an adviser can help you:

  • Model the plan against your age, budget and realistic hospital-bill scenarios
  • Weigh rider co-payment, MediSave limits and the lifetime premium trajectory — not just this year's price
  • Compare switching costs honestly: underwriting, waiting periods and what you give up leaving your current plan
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Why IP claims get rejected — MOH data

69% of rejections
Claim amount was within the deductibleThe most common surprise: bills smaller than your deductible aren’t payable — the deductible is the part you always cover first.
20% of rejections
General policy exclusions
8% of rejections
Pre-existing illness
1% of rejections
Bill fully paid by a third party
1% of rejections
Lifetime or policy limits reached

Rejection breakdown published by the Ministry of Health. See MOH’s official IP comparison for claims-processing times, pre-authorisation standards and benefit comparisons by ward class.

Quick answers

Which insurers offer Integrated Shield Plans in Singapore?Seven insurers offer Integrated Shield Plans in Singapore in 2026: AIA, Great Eastern, HSBC Life, Income, Prudential, Raffles Health Insurance and Singlife. Each offers plans across ward tiers from Standard (Class B1) up to private hospital cover.
What is changing for Integrated Shield Plan riders in 2026?From 1 April 2026, new IP riders can no longer cover the deductible, a S$6,000 annual co-payment cap applies, and rider premiums fall roughly 30%. Existing riders bought before the change generally keep their old terms.
How much of an Integrated Shield Plan premium can I pay with MediSave?The MediSave-payable portion of an Integrated Shield Plan premium is capped by the Additional Withdrawal Limit (AWL), which rises with age; any premium above that limit must be paid in cash. The rider premium is always paid in cash.
Why do Integrated Shield Plan claims get rejected?Per MOH data, 69% of IP claim rejections are simply because the bill was within the deductible, 20% are general policy exclusions, and 8% are pre-existing conditions. The deductible is the portion you always pay first before the plan pays.

Indicative premiums and rankings for comparison and education only, based on published insurer tables. Actual premiums, eligibility, MediSave usage and benefits depend on your age, citizenship/residency, underwriting and the insurer’s current policy contract. Confirm with the insurer or a licensed financial adviser before any decision.