After you buy an Integrated Shield plan, you still need to pay some of your hospital bills either out of pocket or from Medisave. Integrated Shield Plans are managed by private insurers and provides additional insurance coverage on top of what MediShield Life offers. This ultimately provides additional benefits and more options to cater to your specific needs. As an Integrated Shield plans premium comprises of MediShield Life and a private insurance portion, while there will be no changes to the premiums for the Raffles Shield (private insurance) component, there will be an increase in total premiums for Raffles Shield plan(s). Raffles Shield; Each insurer offers a few options for their integrated shield plans, which means Singaporeans looking for an IP will have over 25 options to I don't have an Integrated Shield Plan. With this in mind, I will pick the plan that provides such support to this end. But as you know it is free so use it at your own risk. To help Reply. Median Claims Processing Duration (days)1, 75th Percentile Claims Processing Duration (days)2. Integrated Shield Plan and Integrated Shield Plan rider (s) will be replaced with Integrated Shield Plan and rider (s) Insurance company (ies) will be replaced by insurer (s) General questions on MediShield upgrades These are all the general questions (and answers) about MediShield LIFE, Integrated Shield Plan and Integrated Shield Plan riders. An Integrated Shield Plan is an add-on upgrade to MediShield LIFE to provide coverage ABOVE the claim limits and coverage of MediShield LIFE. MediShield Life - This is health insurance run by CPF Board that is included in ALL integrated Shield Plan. If you are not sure if you have an Integrated Shield Plan 275th Percentile Claims Processing Duration means 75 out of 100 claims are processed by the insurer within the indicated number of days in the table. Learn more about how Singapore is prepared to prevent & respond to disease outbreaks. LOGs are provided by insurers as an additional service, according to their respective terms of service. However, those who desire better beds in hospital wards and more choice of doctors can access Integrated Shield Plans (IPs). Hospitalisation and medical coverages can be broken down into 3 main parts: MediShield Life, Integrated Shield Plan and Integrated Shield Plan rider. Acts regulating drugs, healthcare professionals, medical practices, research and more. Income IncomeShield Standard Plan6. Our Insurance and Investment Plan for Baby Ong TLDR. The solution to this problem is to purchase an Integrated Shield plan. A private integrated shield plan comprises of two components. Integrated Shield Plans on the other hand will cover the treatment expenses for pre and post hospitalisation for up to a specified number of days. Heres how to choose the best plan for you. MediShield Life component run by the Central Provident Board (CPF) Board. (1 October to 31 December 2020)1Median Claims Processing Duration means that 50 out of 100 claims are processed by the insurer within the indicated number of days in the table. Income Enhanced IncomeShield Basic7. Integrated Shield Plan (IP ) is a Health Insurance plan provided by private insurers. Private integrated shield plans helps policyholders cover any potential cost that may be incurred if they are hospitalised, either in public or private hospitals. Search for publications, education brochures, statistics on admission rates, waiting times, bed occupancy rates, diseases and more. It consists of 2 part health Insurance. Prudential PruShield Premier8. Both parents must be covered under MyShield Plan 1 or Plan 2 continuously for at least 10 months from the cover start date of their respective policies on the newborns date of birth. Q: Do I have to pay Additional Premium (AP) for pre-exisitng conditions if I have an Integrated Shield Plan, and would my insurer cover my pre-existing conditions after paying the Additional Premiums? Learn more about the various infectious diseases that Singapore has overcome. You will need your SingPass to do this. Hi Naro, Thanks for sharing your experience. Close to 3 million Singaporeans have an Integrated Shield plan. Class A/B1) in public hospitals or private hospitals. WH says. Existing members may continue to renew their policies. Note:The number of days that insurers take to process claims include the time it takes to obtain medical records from claimants or medical institutions. As an Integrated Shield plan's premium comprises of MediShield Life and a private insurance portion, while there will be no changes to the premiums for the PRUShield (private insurance) component, there will be an increase in total premiums for PRUShield plan(s). You should buy a plan that meets your needs, so you should consider what you would like to be covered for and whether you can afford the plan in the long term. You will be reimbursed by the hospital, after your insurer makes payment to your hospital. Why then are Integrated Shield Plans abbreviated to IPs and not ISPs? Credits: Ministry of MediShield Life - This is health insurance run by CPF Board that is included in ALL integrated Shield Plan. The Integrated Shield Plans provide you with additional benefits and coverage when you opt for Class A and B1 wards in the restructured or private hospitals. Take for example a ligament tear that requires surgery and hospitalisation. AIA HealthShield Gold Max C*2. Having an Integrated Shield plan like the AIA HealthShield Gold Maxwill give you more peace of mind. Cheers, Naro. Great Eastern Supreme Health A Plus6. Aviva MyShield Standard Plan3. Sample Policy Contracts of Integrated Shield Plans (As at 9 Oct 2020) Income's IncomeShield and Enhanced IncomeShield Download Income IncomeShield Policy contract; Download Income Enhanced IncomeShield Policy contract Learn more about the various infectious diseases that Singapore has overcome. This is the case even if your pre-existing conditions are not covered under the additional portion of your Integrated Shield plan from your private insurer. Before opting for an insurer, go through the pros and cons of the terms and conditions for the integrated shield plan. These are the Integrated Shield plans (IPs) available on the market. Currently, there are 7 insurers approved now. Just chalk it up to a silly decision from the powers that be. All IP insurers provide LOGs and you may check with your IP insurer for more information. The Integrated Shield Plans provide you with additional benefits and coverage when you opt for Class A and B1 wards in the restructured or private hospitals. *As RHI was approved to provide IPs from 16 July 2018 onwards, the number of claims processed by RHI is currently insufficient for analysis. AIA HealthShield Gold Max A2. Data shows that each IP insurer have only about 20% of private specialists on their panels. AXA Shield Standard Plan4. Please note that the durations below do not apply to rider claims. These add-ons are called riders. Raffles Shield Standard, 1. Integrated Shield Plans (IPs) are additional medical insurance plans that enhance the existing coverage provided by Medishield Life (MSL). A private integrated shield plan comprises of two components. Great Eastern Supreme Health P Plus5. It consists of 2 part health Insurance. *End of Sarcasm* But seriously, we have no idea. If you are not sure if you have an Integrated Shield Plan, follow the steps below to find out. We are aware of scam calls and emails impersonating MOH officers. View all healthcare financing schemes & subsidies available in Singapore such as MediShield Life, CareShield Life, MediSave, CHAS and ElderShield. AXA Shield is one of 7 Integrated Shield plans in Singapore, which are designed to supplement your existing MediShield Life coverage. Integrated Shield Plan policies will be accepted only if you are healthy. AIA HealthShield Gold Max B Lite3. They exist in the form of IP that provide additional private insurance coverage, typically to cover medical expense in higher-class wards (ie. IP insurers may not absorb the cost of obtaining medical records. Search for fee benchmarks for private sector professional fees and bill amount information for public and private hospitals. Income Enhanced IncomeShield C*, Comparison of Standard IPs (for Class B1 coverage), 1. Your child must have made an impression for the nurse to rem him! And thats when the Integrated Shield Plan (IP) comes in. Nevertheless, an integrated shield plan is vital!!! Income IncomeShield Plan P*7. Great Eastern Supreme Health B Plus6. If you have an Integrated Shield plan, you are already covered by MediShield Life. We are not responsible for. MediShield Life will cover you for life, including your pre-existing conditions. Empanelling: Trust Me, You Will Take The Blue Pill Over the last few days, a series of letters to The Straits Times Forum has appeared that commented on some of the choice-limiting practices of Integrated Shield Plan (IP) insurers. * These plans are no longer offered to new members. How does an Integrated Shield Plan work? An integrated shield plan gives you more choices in terms of coverage. Through E-Consultation, MOH aims to gather feedback and suggestion from members of the public to further improve policies, programmes and services. An Integrated Shield plan (or IP) is a private health insurance plan that builds upon MediShield Life, the basic health insurance that all Singaporeans and PRs have. Raffles Shield A, 1. Great Eastern Supreme Health Standard Plan5. (There are some insurers that will insure you for your pre-existing if you have not visited the hospital for the same pre-existing condition) If not, your plan will either be rejected or the insurer would exclude your existing condition. At this point, I will suggest for you to start reading that post first. About Integrated Shield Plans MediShield Life is included in all Integrated Shield plans. Reply. The benefit ends on the date the newborn is 6 months old or takes up a MediSave-approved Integrated Shield Plan, whichever is earlier. BTIR (Buy Term, Invest the Rest) 3. If your visit to our Accident & Emergency (A&E) department warrants a hospital admission with a minimum stay of 8 hours, you can use your Integrated Shield Plan that covers private hospitals (with a rider) to pay minimal or $0 for both your A&E outpatient bill and your inpatient treatment. Speculation abounds, but perhaps Singtel reserved the acronym ISP. The table below shows some common reasons why your insurer may reject your claim or not provide a payout for your claim. Following the hospital discharge, you may still be required by your hospital to settle your hospital bill, while your insurer assesses your claim according to your insurance coverage. Additional private insurance coverage component run by the insurance company, typically to coverA/B1-type wards in public hospitals or private hospitals. They will act on the CPF Boards behalf for premium collection and claims disbursement for the MediShield Life component of your Integrated Shield plan. Comment: Not really true. Currently, there are 7 insurers approved now. An Integrated Shield Plan is an additional add-on upgrade to MediShield LIFE to provide coverage ABOVE the claim limits and coverage of MediShield LIFE. Provides additional coverage for treatment at private hospitals or Class A/B1 wards at public hospitals; Managed by private insurers; Option to top up with rider which covers co-insurance and/or deductible; With an Integrated Shield Plan and a full rider that covers private hospitals, you may be fully covered for treatment. Integrated Shield Plan. For more information regarding your claim and insurance coverage, please check with your insurer. The following claims return rate table shows how long it takes each insurer to process Integrated Shield Plan (IP) claims with positive payouts. It is a private health insurance plan that can be purchased on top of MediShield Life (integrated with it). Our Integrated Shield Plan (IP) calculators are updated to the dates shown above, and we will not be liable for any errors in the computation. Aviva MyShield Plan 13. Having an IP does not mean that your insurer will always provide an LOG when you need treatment at a hospital. The IP is an additional program offered by private companies. For more information regarding LOGs and your insurance coverage, please check with your insurer. It is intended for education and informational purposes only. Forget about Endowment/ILP, use one Raffles Shield Private. E-Services>Household Check> Premium Check> E-Services @ CPFAbout MediShield Life>What is MediShield Life> MediShield Life Benefits> How to make a MediShield Life Claim> Coverage for Pre-existing Conditions> About the MediShield Life Fund> MediShield Life Review> MediShield Life Council> MediShield Life Scheme Act> MediShield Life Coverage for Singaporeans Permanently Located AbroadPremiums and Subsidies> MediShield Life Premiums and Subsidies> Premium and Subsidies Tables> Premium Payment> Premium Rebates> Premium CalculatorIntegrated Shield Plans> About Integrated Shield Plans> Comparison of Integrated Shield PlansFAQS>MediShield Life FAQS. Integrated Shield Plan is an optional add-on to your MediShield Life plan offered by private insurance companies to supplement MediShield Life. AIA HealthShield Gold Max B2. It was no longer a standalone insurance plan, but integrated with MediShield to provide additional benefits for stay in higher class wards (A and B1) in both public and private hospitals. Additional Private Insurance Coverage run by private insurers to provide for higher coverage that will cover A/B1 wards in public or private hospitals. * These plans are no longer offered to new members. Search for various available grantsto drive the translation of basic research to advance human healthcare, and to increase the translational and clinical research capabilities of public hospitals, research institutions and medical researchers. Search for publications, education brochures, statistics on admission rates, waiting times, bed occupancy rates, diseases and more. Members who buy an integrated plan will also be covered under MediShield Life subject to eligibility conditions such as age and citizenship status. Comparison of Class B2/C Plans1. MediShield Life is included in all Integrated Shield plans. 3 Integrated Shield Plan (IP) insurers have an interest in ensuring that their panels are comprehensive, as this increases panel usage and helps IP insurers better manage costs. Remember to have your SingPass ready! Income IncomeShield Plan C*3. Usually, the program involves some add-ons that are specific to insurers. Either you as a claimant, or your insurer, can request medical records from medical institutions. By choosing the right plan, it ensures adequate support when the need arises. Aviva MyShield Plan 34. AIA HealthShield Gold Max Standard Plan2. Prudential PruShield Plus9. 2. Your Integrated Shield Plan can also serve as an emergency medical insurance. Existing members may continue to renew their policies. When you are hospitalised, if your hospital can obtain a Letter of Guarantee (LOG) from your insurer, you can reduce the upfront cash deposit amount that you have to make with the hospital. Integrated shield plans are apt for most and not opting for these can be a grave mistake. Havingan insurance policy does not always mean that you will receive apayout for your claim. To process claims, insurers may require your medical records. Integrated Shield Plan (IP ) is a Health Insurance plan provided by private insurers. Monday to Friday: 8:30am to 5:30pm (excluding public holidays). IPs are popular for the following reasons: Personally, I believe that CI/ECI riders are unnecessary. In line with this, insurers are continuing to expand their panels. AXA Shield Plan B4. All material included in this website is of a general nature. Should I consider getting one? Find A Suitable Plan Raffles COVID Safe Cover Protect against side effects of COVID-19 vaccination with our complimentary cover. When in doubt, please verify the authenticity of phone calls and emails by calling MOH hotline at 1800-333-9999. Acts regulating drugs, healthcare professionals, medical practices, research and more. As an Integrated Shield plan's premium comprises of MediShield Life and a private insurance portion, while there will be no changes to the premiums for the PRUShield (private insurance) component, there will be an increase in total premiums for PRUShield plan(s). An Integrated Shield Plan is a medical insurance plan which offers additional benefits on top of that provided by MediShield Life. Income Enhanced IncomeShield Preferred6. When in doubt, please verify the authenticity of phone calls and emails by calling MOH hotline at 1800-333-9999. View all healthcare financing schemes & subsidies available in Singapore such as MediShield Life, CareShield Life, MediSave, CHAS and ElderShield. The first is MediShield Life. On the whole, I have explained the fundamentals of an integrated shield plan in Singapore. Common reasons why insurers do not provide a Letter of Guarantee in specific cases, Income Enhanced IncomeShield Policy contract, Income IncomeShield Standard Plan Policy Contract, AIA HealthShield Gold Max Policy contract, AIA HealthShield Gold Max Standard Plan Policy Contract, Great Eastern Supreme Health (Non As-Charged) Policy contract, Great Eastern Supreme Health (As-Charged) Policy contract, Great Eastern Supreme Health Standard Plan Policy Contract, Aviva MyShield Standard Plan Policy Contract, Prudential PruShield A and B Policy contract, Prudential PruShield Premier, Plus and Standard Plan Policy contract, MediShield Life Coverage for Singaporeans Permanently Located Abroad, Fee Benchmarks and Bill Amount Information, Suspensions/Revocations from Healthcare Financing Schemes, Enforcement Actions for Breaches of Regulatory Requirements, Upcoming and Completed Healthcare Facilities, any third party contents which can be accessed through the web site, Income's IncomeShield and Enhanced IncomeShield, AIA Singapore Private Limited's HealthShield Gold, Great Eastern Life Assurance Co's SupremeHealth, Raffles Health Insurance's Raffles Shield, Medical condition is excluded from the policy, General exclusions, such as pregnancy and maternity expenses, Estimated bill size is below the deductible, Duration between policy inception and LOG application is shorter than insurer's stipulated minimum duration for LOG eligibility, Medical condition is a pre-existing medical condition that the policyholder had before the commencement of the policy, Monday to Friday: 8:30am to 5:30pm (excluding public holidays). Alison_Liew says. We are aware of scam calls and emails impersonating MOH officers. The information provided is based on what was provided to us at the date of Publication. You are strongly advised to seek the professional advice of insurance professionals before making any decision with regard to any of the Medisave-Approved Integrated Shield Plans.