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Compare Integrated Shield Plans › HSBC Life
HSBC Life · MediSave / Standard

HSBC Life Shield Standard

Integrated Shield Plan by HSBC Life. Private insurance premium from S$41/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Spotted a figure that looks wrong or out of date?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$41S$200S$0
4-10S$41S$200S$0
11-18S$41S$200S$0
21-25S$51S$295S$0
26-30S$51S$295S$0
31-35S$63S$503S$0
36-40S$63S$503S$0
41-45S$109S$637S$0
46-50S$109S$637S$0
51-55S$145S$903S$0
56-60S$164S$903S$0
61-65S$284S$1,131S$0
69-70S$427S$1,326S$0
74-75S$810S$1,816S$0
79-80S$1,207S$2,187S$307
84-85S$1,399S$2,616S$499
Show the full premium table (28 age rows)
Age bandPrivate insurance premium /yrMediShield Life /yrEst. cash outlay /yr
1-3S$41S$200S$0
4-10S$41S$200S$0
11-18S$41S$200S$0
19-20S$41S$200S$0
21-25S$51S$295S$0
26-30S$51S$295S$0
31-35S$63S$503S$0
36-40S$63S$503S$0
41-45S$109S$637S$0
46-50S$109S$637S$0
51-55S$145S$903S$0
56-60S$164S$903S$0
61-65S$284S$1,131S$0
66-68S$427S$1,326S$0
69-70S$427S$1,326S$0
71-73S$665S$1,643S$0
74-75S$810S$1,816S$0
76-78S$1,129S$2,027S$229
79-80S$1,207S$2,187S$307
81-83S$1,245S$2,303S$345
84-85S$1,399S$2,616S$499
86-88S$1,572S$2,785S$672
89-90S$1,775S$2,785S$875
91-93S$2,605S$2,826S$1,705
94-95S$2,845S$2,826S$1,945
96-98S$2,982S$2,826S$2,082
99-100S$3,253S$2,826S$2,353
>100S$3,253S$2,826S$2,353

Key benefits

Overview
Ward entitlementPublic hospital ward Class B1 and below
Core limits
Annual claim limitS$200,000
Core limits
Lifetime limitUnlimited
Hospitalisation
Pre-hospitalisationNot covered under the standardised Standard IP benefit schedule - MOH comparison, Jun 2026
Hospitalisation
Post-hospitalisationNot covered under the standardised Standard IP benefit schedule - MOH comparison, Jun 2026
Cost sharing
Co-insurance10% standard co-insurance before rider; may vary by panel / non-panel — see policy contract

Compatible riders

HSBC Life Enhanced Care II Standard

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 Standardfigures 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.