MenuJoin free

Home / Compare / Shield plans

MediShield Life or Integrated Shield?

MediShield Life covers every citizen and PR. A Shield plan adds cover for a better ward. See what it costs you, and how much is cash.

At age next birthday 1–20, MediShield Life is S$200 a year, all from MediSave. Class A ward plans cost S$251 to S$320 in total; the cash part is S$0.

Step 1 Who is it for?

Age next birthday

A child is in the 1–20 band. MOH prices plans by age next birthday.

Ward you want covered
Citizen, PR or foreigner?

Step 2 Your results

Your setup: age next birthday 1–20 · Class A · Citizen

MediShield Life, then 9 Public class A ward plans, A to Z by insurer.

Everyone’s base coverMediShield Life

A year, age next birthday 1–20

S$200

All from MediSave · before subsidies

Source: MOH: Premium and Subsidy Tables ↗ (opens in new tab)Data period: Policies from 1 April 2025Last checked:

For a newborn: Every Singapore Citizen baby is covered by MediShield Life from birth for life, including congenital and neonatal conditions. Citizen babies born on or after 1 April 2025 also get a S$5,000 MediSave grant that can pay premiums.

Source: MOH: Marriage and Parenthood Schemes ↗ (opens in new tab)Data period: Current; page updated 17 March 2026Last checked:

Plan details
Sized for

Subsidised treatment in public hospital Class B2 and C wards. Claims up to S$200,000 a policy year.

Deductible in this ward

S$3,500 a year. Co-insurance: 10% on the first S$5,000, 5% on the next S$5,000, 3% above S$10,000.

Source: MOH: How to make a MediShield Life Claim ↗ (opens in new tab)Data period: Admissions from 1 March 2021; updated 1 June 2026Last checked:

Public class A ward plans (9)

Premium a year at age next birthday 1–20, including MediShield Life, then the MediSave and cash parts. A range changes with exact age.

Source: MOH: Integrated Shield Plans for Ward Class A in Public Hospitals ↗ (opens in new tab)Data period: Updated as of 1 June 2026Last checked:

AIAHealthShield Gold Max B

S$320 · MediSave S$320 · cash S$0

Great EasternGREAT SupremeHealth A PLUS

S$285–287 · MediSave S$285–287 · cash S$0

HSBC LifeHSBC Life Shield Plan B

S$291 · MediSave S$291 · cash S$0

IncomeEnhanced IncomeShield Advantage

S$251–275 · MediSave S$251–275 · cash S$0

IncomeIncomeShield Plan A

S$267–290 · MediSave S$267–290 · cash S$0

Closed to new members; existing members can renew.

PrudentialPRUShield A

S$268 · MediSave S$268 · cash S$0

Closed to new members; existing members can renew.

PrudentialPRUShield Plus

S$285 · MediSave S$285 · cash S$0

Raffles Health InsuranceRaffles Shield A

S$300–308 · MediSave S$300–308 · cash S$0

SinglifeSinglife Shield Plan 2

S$289–310 · MediSave S$289–310 · cash S$0

Plan details: MediSave, deductibles and riders
MediSave and cash

MediShield Life premiums can be paid fully from MediSave. An IP’s private part can use MediSave up to S$300 a year (age next birthday 40 or below) or S$600 (41 to 70). The insurer collects the rest in cash.

Source: CPF: What are Additional Withdrawal Limits (AWLs) for Integrated Shield Plan (IP) premiums? ↗ (opens in new tab)Data period: Current; page updated 10 March 2025Last checked:

Deductible and co-pay

Most IPs in MOH’s tables: S$1,500 C, S$2,000 B2, S$2,500 B1, S$3,500 A and private, with 10% co-insurance.

You pay the plan’s deductible (for example S$3,500 in a Class A or private ward) and 10% co-insurance on most plans.

Source: MOH: Integrated Shield Plans for Private Hospitals ↗ (opens in new tab)Data period: Updated as of 1 June 2026Last checked:

With a rider

A rider sold from 1 April 2026 cannot pay the minimum deductible (S$1,500 to S$3,500 a year by ward). You pay at least 5% of the bill, capped at no less than S$6,000 a year.

Riders sold from 1 April 2019 to 31 March 2026: at least 5% co-payment, capped at no less than S$3,000 a year. One bought from 27 November 2025 to 31 March 2026 moves to the new rules by its first renewal after 1 April 2028. For older riders, each insurer decides.

MOH does not publish rider premiums in its comparison, so they are not shown here. Ask the insurer.

Source: MOH: New requirements for IP riders ↗ (opens in new tab)Data period: Riders sold from 1 April 2026Last checked:

ExpectingSee all 16 steps →

Our method

We took MediShield Life premiums from MOH’s premium table and every Integrated Shield Plan premium from MOH’s comparison of plans by ward. The MediSave part is the MediShield Life premium plus the private part up to CPF’s yearly limit; the rest is cash. Premiums are before any MediShield Life subsidy and include GST.

Every source we read

General information, not financial or medical advice. Premiums change each year and with your exact age. Check the insurer’s current premium and terms, and talk to the insurer before you switch or drop a plan.