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Compare Integrated Shield Plans › HSBC Life
HSBC Life · Class A ward

HSBC Life Shield Plan A

Integrated Shield Plan by HSBC Life. Private insurance premium from S$300/yr, across 28 premium data points by age band. Figures are from verified official premium tables.

By MoneyAtlas Research · Verified 12 Jul 2026 · How we verify & rank

Last verified 12 Jul 2026 · 7 official sources · v21

Last verified12 Jul 2026

Data versionv21-rider-status-cleanup

Verified sources7 of 7

Figures are normalised from official insurer and government sources. Confirm against the latest illustration before any product discussion.

Spotted a figure that looks wrong or out of date?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

Premiums by age

AgePrivate insurance premium /yrMediShield Life /yrEst. cash outlay /yr
1-3S$300S$200S$0
4-10S$300S$200S$0
11-18S$300S$200S$0
21-25S$300S$295S$0
26-30S$300S$295S$0
31-35S$510S$503S$210
36-40S$510S$503S$210
41-45S$1,075S$637S$475
46-50S$1,215S$637S$615
51-55S$1,935S$903S$1,335
56-60S$2,426S$903S$1,826
61-65S$3,271S$1,131S$2,671
69-70S$4,201S$1,326S$3,601
74-75S$6,119S$1,816S$5,219
79-80S$7,589S$2,187S$6,689
84-85S$9,051S$2,616S$8,151
Show the full premium table (28 age rows)
Age bandPrivate insurance premium /yrMediShield Life /yrEst. cash outlay /yr
1-3S$300S$200S$0
4-10S$300S$200S$0
11-18S$300S$200S$0
19-20S$300S$200S$0
21-25S$300S$295S$0
26-30S$300S$295S$0
31-35S$510S$503S$210
36-40S$510S$503S$210
41-45S$1,075S$637S$475
46-50S$1,215S$637S$615
51-55S$1,935S$903S$1,335
56-60S$2,426S$903S$1,826
61-65S$3,271S$1,131S$2,671
66-68S$4,106S$1,326S$3,506
69-70S$4,201S$1,326S$3,601
71-73S$5,353S$1,643S$4,453
74-75S$6,119S$1,816S$5,219
76-78S$6,729S$2,027S$5,829
79-80S$7,589S$2,187S$6,689
81-83S$7,969S$2,303S$7,069
84-85S$9,051S$2,616S$8,151
86-88S$9,923S$2,785S$9,023
89-90S$10,895S$2,785S$9,995
91-93S$11,606S$2,826S$10,706
94-95S$12,526S$2,826S$11,626
96-98S$12,956S$2,826S$12,056
99-100S$13,147S$2,826S$12,247
>100S$13,147S$2,826S$12,247

Key benefits

Overview
Ward entitlementStandard room at a private hospital and below
Core limits
Annual claim limitS$2,500,000
Core limits
Lifetime limitUnlimited
Hospitalisation
Pre-hospitalisationUp to 90 days (non-panel specialists and day surgery) or 180 days (panel specialists or restructured hospitals); as charged - MOH comparison, Jun 2026
Hospitalisation
Post-hospitalisationUp to 180 days (non-panel specialists and day surgery) or 365 days (panel specialists or restructured hospitals); as charged - MOH comparison, Jun 2026
Cost sharing
Co-insurance10% standard co-insurance before rider; may vary by panel / non-panel — see policy contract
Community / Home Care
Home ventilation & respiratory support$1,680 per month
Community / Home Care
Paediatric home care$420 per month
Other
Long-term parenteral nutrition$2,200 per month
Outpatient Treatment
Immunosuppressant therapy$710 per month
Transplant / Advanced Therapy
Selected gene therapies (e.g., Kymriah, Yescarta)Up to $250,000 per treatment

Compatible riders

HSBC Life Enhanced Care II Plan A

Insurer service standards (MOH)

Claims processing
Same day for a typical claim1 day or less for 3 in 4 claims (1 Jan – 31 Mar 2026); includes time to obtain medical records
Pre-authorisation
Offered — via phoneTypical turnaround 1 day (target 3 days)

Service figures are published by the Ministry of Health for HSBC Life as an insurer (all its IP plans), not for this plan specifically. See MOH’s comparison page.

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HSBC Life HSBC Life Shield Plan Afigures are indicative, for comparison and education only, based on the insurer’s published premium table. Actual premiums, eligibility, MediSave-payable portion and benefits depend on your age, citizenship/residency, underwriting and the current policy contract. This page does not rank plans or recommend a product. Confirm with HSBC Life or a licensed financial adviser before any decision.