Best Health Insurance in Singapore 2021

Our health insurance experts analysed all of the Integrated Shield Plans currently available across 6 different age groups to identify which plans can offer you the best value for your money. Whether you are looking for a comprehensive family-focused plan or simple B1-ward coverage, we're here to help you find the best medical coverage for your needs.

COVID-19 Notices:

  • As of October 20, 2020, Singapore Citizens and PRs who travel outside of Singapore will be able to claim for inpatient COVID-19 treatment from Integrated Shield Plans if they develop symptoms within 14 days of their return to Singapore.
  • All Integrated Shield Plans are now offering coverage for COVID-19 vaccination complications if it results in a hospitalisation.

What Is the Best Integrated Shield Plan in Singapore?

We analysed the premiums and benefits of all of the integrated shield plans in Singapore to help you make the right choice when it comes to protecting your health. See our top picks below and compare plans based on your budget, desired ward coverage and benefits. If you find a plan you like, simply click on "get a quote" to be led to an application.

This graph shows the annual premiums for IP health insurance for a 45 year old non-smoker staying in Ward A and lower

Cheapest Integrated Shield Standard Plan for Class B1 Wards: Great Eastern GREAT SupremeHealth Standard

Promo: 20% off 1st year GREAT TotalCare Premiums
Consider this if you are looking for the cheapest Standard plan
  • Co-Insurance
    • 10%
    • Hospital Type
      • Public B1 Ward and below
      • Eligibility Requirement
        • Singapore Citizens, Permanent Residents
        • Last Entry Age
          • 75 (Age Next Birthday)
          BenefitBenefit Limit (Class B1)MediShield Life
          Annual LimitS$150,000S$150,000
          Room & BoardS$1,700/dayS$800/day^
          Pre-Hospitalisation BenefitsN/AN/A
          Post-Hospitalisation BenefitsN/AN/A
          Cancer ChemotherapyS$5,200/monthAs Charged
          Pregnancy ComplicationsN/ACovered under Inpatient Treatment
          Psychiatric BenefitS$500/day (35 days)S$160/day (60 days)

          The cheapest Standard plan is Great Eastern's Great SupremeHealth Standard. It costs around 20-30% less than other Standard hospital plans and 70% below the Integrated Shield Plan industry average. Its coverage includes S$1,700 daily normal ward coverage, S$590-S$16,720 of surgery coverage, S$9,800 surgical implants coverage and accidental dental and examination and lab tests coverage.

          Standard plans are mainly recommended for healthy individuals with no pre-existing conditions who want to add a little extra to their MediShield policy and stay at Class B1 wards. Furthermore, it is also worth noting that you will not be able to add a rider to this plan.

          Promo: 20% off 1st year GREAT TotalCare Premiums
          Consider this if you are looking for the cheapest Standard plan
          • Co-Insurance
            • 10%
            • Hospital Type
              • Public B1 Ward and below
              • Eligibility Requirement
                • Singapore Citizens, Permanent Residents
                • Last Entry Age
                  • 75 (Age Next Birthday)
                  BenefitBenefit Limit (Class B1)MediShield Life
                  Annual LimitS$150,000S$150,000
                  Room & BoardS$1,700/dayS$800/day^
                  Pre-Hospitalisation BenefitsN/AN/A
                  Post-Hospitalisation BenefitsN/AN/A
                  Cancer ChemotherapyS$5,200/monthAs Charged
                  Pregnancy ComplicationsN/ACovered under Inpatient Treatment
                  Psychiatric BenefitS$500/day (35 days)S$160/day (60 days)

                  The cheapest Standard plan is Great Eastern's Great SupremeHealth Standard. It costs around 20-30% less than other Standard hospital plans and 70% below the Integrated Shield Plan industry average. Its coverage includes S$1,700 daily normal ward coverage, S$590-S$16,720 of surgery coverage, S$9,800 surgical implants coverage and accidental dental and examination and lab tests coverage.

                  Standard plans are mainly recommended for healthy individuals with no pre-existing conditions who want to add a little extra to their MediShield policy and stay at Class B1 wards. Furthermore, it is also worth noting that you will not be able to add a rider to this plan.

                  Best Health Insurance for Average Consumers: Prudential PruShield Plus

                  Promo: 20% off PRUShield Premier plans
                  Consider this if you are an average consumer
                  • Co-Insurance
                    • 10%
                    • Hospital Type
                      • Public Ward A and below
                      • Eligibility Requirement
                        • Singapore Citizens, Permanent Residents, Foreigners
                        • Last Entry Age
                          • 75 (Age Next Birthday)
                          BenefitsBenefit LimitWard A Avg.
                          Annual LimitS$600,000S$528,571
                          Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                          Pre-Hospitalisation (Days)180120
                          Post-Hospitalisation (Days)365180
                          Outpatient Cancer TreatmentAs ChargedAs Charged
                          Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                          Total Psychiatric TreatmentS$3,500S$8,286

                          The best hospitalisation insurance for the average value-seeking consumer is Prudential's PruShield Plus. First, its premiums are around 23-47% lower than average for all ages, despite a higher than average annual limit of S$600,000 compared to other Ward A plans in the market. Its 365 post-hospitalisation coverage is also one of the longest on the market. Additionally, you can purchase Prudential's PruExtra Plus CoPay Rider, which will cover 95% of your deductible, half your co-insurance and provide miscellaneous coverage for things like parental ward accommodation, ambulance services and emergency outpatient treatment. Combined with the Plus plan, the total cost comes out around 27-39% below average for base plan and Rider packages.

                          In terms of its specific coverage benefits, cancer treatment, dialysis, pregnancy complications, surgery, and room and board expenses are covered on an "as charged" basis, meaning they will be paid in the full amount (subject to limits, deductibles and co-insurance). On top of this, you will also receive a final expense provision benefit of S$3,000 and be covered for hyperbaric oxygen therapy (for treatment of carbon monoxide poisoning, severe anemia and other blood-oxygen related maladies). However, Prudential's PruShield Plus does lack comprehensive coverage for severe psychological disorders and critical illnesses, which are better covered by Great Eastern or Aviva.

                          Promo: 20% off PRUShield Premier plans
                          Consider this if you are an average consumer
                          • Co-Insurance
                            • 10%
                            • Hospital Type
                              • Public Ward A and below
                              • Eligibility Requirement
                                • Singapore Citizens, Permanent Residents, Foreigners
                                • Last Entry Age
                                  • 75 (Age Next Birthday)
                                  BenefitsBenefit LimitWard A Avg.
                                  Annual LimitS$600,000S$528,571
                                  Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                                  Pre-Hospitalisation (Days)180120
                                  Post-Hospitalisation (Days)365180
                                  Outpatient Cancer TreatmentAs ChargedAs Charged
                                  Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                                  Total Psychiatric TreatmentS$3,500S$8,286

                                  The best hospitalisation insurance for the average value-seeking consumer is Prudential's PruShield Plus. First, its premiums are around 23-47% lower than average for all ages, despite a higher than average annual limit of S$600,000 compared to other Ward A plans in the market. Its 365 post-hospitalisation coverage is also one of the longest on the market. Additionally, you can purchase Prudential's PruExtra Plus CoPay Rider, which will cover 95% of your deductible, half your co-insurance and provide miscellaneous coverage for things like parental ward accommodation, ambulance services and emergency outpatient treatment. Combined with the Plus plan, the total cost comes out around 27-39% below average for base plan and Rider packages.

                                  In terms of its specific coverage benefits, cancer treatment, dialysis, pregnancy complications, surgery, and room and board expenses are covered on an "as charged" basis, meaning they will be paid in the full amount (subject to limits, deductibles and co-insurance). On top of this, you will also receive a final expense provision benefit of S$3,000 and be covered for hyperbaric oxygen therapy (for treatment of carbon monoxide poisoning, severe anemia and other blood-oxygen related maladies). However, Prudential's PruShield Plus does lack comprehensive coverage for severe psychological disorders and critical illnesses, which are better covered by Great Eastern or Aviva.

                                  Best Health Insurance for New Families: Income Enhanced IncomeShield Advantage

                                  Consider this if you want affordable family coverage for A wards
                                  • Co-Insurance
                                    • 10%
                                    • Hospital Type
                                      • Public B1 Ward
                                      • Eligibility Requirement
                                        • Singapore Citizens, Permanent Residents, Foreigners
                                        • Last Entry Age
                                          • 75 (Age Next Birthday)
                                          BenefitsBenefit LimitWard A Avg.
                                          Annual LimitS$500,000S$528,571
                                          Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                                          Pre-Hospitalisation (Days)100120
                                          Post-Hospitalisation (Days)100180
                                          Outpatient Cancer TreatmentAs ChargedAs Charged
                                          Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                                          Prosthesis BenefitS$6,000S$8,286

                                          New families looking for affordable A ward plans will get great value for their money with Income's Enhanced Incomeshield Advantage. In addition to premiums that cost 15-41% below average, Income's health insurance plan provides full hospitalisation, surgery, cancer and post-mastectomy coverage, along with a hard-to-find S$10,000 prosthesis benefit. Lastly, a great value-add that Income offers is that you will be reimbursed for emergency hospital treatment while overseas, so families who will be travelling will have peace of mind with Income.

                                          Consider this if you want affordable family coverage for A wards
                                          • Co-Insurance
                                            • 10%
                                            • Hospital Type
                                              • Public B1 Ward
                                              • Eligibility Requirement
                                                • Singapore Citizens, Permanent Residents, Foreigners
                                                • Last Entry Age
                                                  • 75 (Age Next Birthday)
                                                  BenefitsBenefit LimitWard A Avg.
                                                  Annual LimitS$500,000S$528,571
                                                  Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                                                  Pre-Hospitalisation (Days)100120
                                                  Post-Hospitalisation (Days)100180
                                                  Outpatient Cancer TreatmentAs ChargedAs Charged
                                                  Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                                                  Prosthesis BenefitS$6,000S$8,286

                                                  New families looking for affordable A ward plans will get great value for their money with Income's Enhanced Incomeshield Advantage. In addition to premiums that cost 15-41% below average, Income's health insurance plan provides full hospitalisation, surgery, cancer and post-mastectomy coverage, along with a hard-to-find S$10,000 prosthesis benefit. Lastly, a great value-add that Income offers is that you will be reimbursed for emergency hospital treatment while overseas, so families who will be travelling will have peace of mind with Income.

                                                  Best Health Insurance for Large Families: Aviva MyShield Plan 1 & 2

                                                  Consider this if you want comprehensive family-friendly protection
                                                  • Co-Insurance
                                                    • 10%
                                                    • Hospital Type
                                                      • Public Ward A and below
                                                      • Eligibility Requirement
                                                        • Singapore Citizens, Permanent Residents
                                                        • Last Entry Age
                                                          • 75 (Age Next Birthday)
                                                          BenefitsBenefit LimitWard A Avg.
                                                          Annual LimitS$600,000S$528,571
                                                          Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                                                          Pre-Hospitalisation (Days)90120
                                                          Post-Hospitalisation (Days)90180
                                                          Outpatient Cancer TreatmentAs ChargedAs Charged
                                                          Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                                                          Psychiatric Treatment (Inpatient)S$17,500S$8,286

                                                          If you are looking to protect family members of all ages, you can consider Aviva's MyShield Plan 1 or 2 with the MyHealthPlus Option A II rider. The combination of the plan and rider costs 0-40% below average compared to other IP and Rider packages. Additionally, Aviva's MyShield offers unique family-oriented coverage including a S$50,000 benefit for newborns up to 6 months old, a specialists priority service with a 3 working day appointment time and global planned or emergency treatment coverage. Not only that, it is the only plan offering coverage for preventive cancer surgery and S$150,000 of extra inpatient benefits for the 5 critical illnesses (heart attack, major cancer, stroke and end stage lung and liver disease).

                                                          Lastly, MyHealthPlus Option A II rider covers 50% of your co-insurance (maximum patient responsibility is S$3,000) and is free for children under 20, provided both of the parents are insured under Plan 1 or 2 with the Option A riders. The Option C-II rider only offers a preferred rate for children but it covers the annual MyShield deductible after you pay the MyHealthPlus deductible. This can lead to a potential deductible decrease of S$3,200 if your plan covers A Wards. Are you interested or looking to apply? Speak to one of our PolicyPal advisors to learn more.

                                                          Consider this if you want comprehensive family-friendly protection
                                                          • Co-Insurance
                                                            • 10%
                                                            • Hospital Type
                                                              • Public Ward A and below
                                                              • Eligibility Requirement
                                                                • Singapore Citizens, Permanent Residents
                                                                • Last Entry Age
                                                                  • 75 (Age Next Birthday)
                                                                  BenefitsBenefit LimitWard A Avg.
                                                                  Annual LimitS$600,000S$528,571
                                                                  Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                                                                  Pre-Hospitalisation (Days)90120
                                                                  Post-Hospitalisation (Days)90180
                                                                  Outpatient Cancer TreatmentAs ChargedAs Charged
                                                                  Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                                                                  Psychiatric Treatment (Inpatient)S$17,500S$8,286

                                                                  If you are looking to protect family members of all ages, you can consider Aviva's MyShield Plan 1 or 2 with the MyHealthPlus Option A II rider. The combination of the plan and rider costs 0-40% below average compared to other IP and Rider packages. Additionally, Aviva's MyShield offers unique family-oriented coverage including a S$50,000 benefit for newborns up to 6 months old, a specialists priority service with a 3 working day appointment time and global planned or emergency treatment coverage. Not only that, it is the only plan offering coverage for preventive cancer surgery and S$150,000 of extra inpatient benefits for the 5 critical illnesses (heart attack, major cancer, stroke and end stage lung and liver disease).

                                                                  Lastly, MyHealthPlus Option A II rider covers 50% of your co-insurance (maximum patient responsibility is S$3,000) and is free for children under 20, provided both of the parents are insured under Plan 1 or 2 with the Option A riders. The Option C-II rider only offers a preferred rate for children but it covers the annual MyShield deductible after you pay the MyHealthPlus deductible. This can lead to a potential deductible decrease of S$3,200 if your plan covers A Wards. Are you interested or looking to apply? Speak to one of our PolicyPal advisors to learn more.

                                                                  Best Health Insurance for Private Hospitals: Great Eastern GREAT SupremeHealth P Plus

                                                                  Promo: 20% off 1st year GREAT TotalCare Premiums
                                                                  Consider this if you want comprehensive coverage at Private Hospitals
                                                                  • Co-Insurance
                                                                    • 10%
                                                                    • Hospital Type
                                                                      • Private
                                                                      • Eligibility Requirement
                                                                        • Singapore Citizens, Permanent Residents, Foreigners
                                                                        • Last Entry Age
                                                                          • 75 (Age Next Birthday)
                                                                          BenefitsBenefit LimitPrivate Hospital Avg.
                                                                          Annual LimitS$1,500,000S$1,050,000
                                                                          Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                                                                          Pre-Hospitalisation (Days)120150
                                                                          Post-Hospitalisation (Days)180173
                                                                          Outpatient Cancer TreatmentAs ChargedAs Charged
                                                                          Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                                                                          Total Psychiatric TreatmentS$25,000S$10,583

                                                                          If you are looking to receive maximum private hospital coverage regardless of cost, you can consider Great Eastern's GREAT SupremeHealth P Plus plan along with its Great TotalCare Classic P Rider. The P Plus plan offers the highest annual limit for private hospitals of S$1,500,000, and provides full medical bill coverage for cancer treatment, dialysis, pre and post-hospitalisation treatment. You will also receive the highest psychiatric, speech and occupational therapy benefits currently offered, as well as a combined S$20,000 of coverage for congenital abnormalities for your child. This is all for a cost that is 20-40% cheaper compared to other Private Hospital plans.

                                                                          To top off your coverage to the maximum, you can purchase the TotalCare Classic P Rider to reduce your deductible and coinsurance responsibility to 5% of your bill (or deductible if its higher). You will also receive S$250 of ambulance, S$80 per day of parental accommodation coverage (for parents with children in the hospital) and S$2,000 of accidental outpatient treatment. Lastly, Great Eastern can save you thousands of dollars if you have their A Plus plan and choose to get care at a Private hospital. This is because its pro-ration factor for getting care above your ward level is 70% instead of the 50% implemented by other insurers (Great Eastern will pay 70% of the incurred cost rather than only 50% if you choose to get care at a ward above your level).

                                                                          Promo: 20% off 1st year GREAT TotalCare Premiums
                                                                          Consider this if you want comprehensive coverage at Private Hospitals
                                                                          • Co-Insurance
                                                                            • 10%
                                                                            • Hospital Type
                                                                              • Private
                                                                              • Eligibility Requirement
                                                                                • Singapore Citizens, Permanent Residents, Foreigners
                                                                                • Last Entry Age
                                                                                  • 75 (Age Next Birthday)
                                                                                  BenefitsBenefit LimitPrivate Hospital Avg.
                                                                                  Annual LimitS$1,500,000S$1,050,000
                                                                                  Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                                                                                  Pre-Hospitalisation (Days)120150
                                                                                  Post-Hospitalisation (Days)180173
                                                                                  Outpatient Cancer TreatmentAs ChargedAs Charged
                                                                                  Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                                                                                  Total Psychiatric TreatmentS$25,000S$10,583

                                                                                  If you are looking to receive maximum private hospital coverage regardless of cost, you can consider Great Eastern's GREAT SupremeHealth P Plus plan along with its Great TotalCare Classic P Rider. The P Plus plan offers the highest annual limit for private hospitals of S$1,500,000, and provides full medical bill coverage for cancer treatment, dialysis, pre and post-hospitalisation treatment. You will also receive the highest psychiatric, speech and occupational therapy benefits currently offered, as well as a combined S$20,000 of coverage for congenital abnormalities for your child. This is all for a cost that is 20-40% cheaper compared to other Private Hospital plans.

                                                                                  To top off your coverage to the maximum, you can purchase the TotalCare Classic P Rider to reduce your deductible and coinsurance responsibility to 5% of your bill (or deductible if its higher). You will also receive S$250 of ambulance, S$80 per day of parental accommodation coverage (for parents with children in the hospital) and S$2,000 of accidental outpatient treatment. Lastly, Great Eastern can save you thousands of dollars if you have their A Plus plan and choose to get care at a Private hospital. This is because its pro-ration factor for getting care above your ward level is 70% instead of the 50% implemented by other insurers (Great Eastern will pay 70% of the incurred cost rather than only 50% if you choose to get care at a ward above your level).

                                                                                  Best Health Insurance for Serious Illnesses & Seniors: Great Eastern GREAT SupremeHealth A Plus

                                                                                  Consider this if you are a senior or want long-term recovery coverage
                                                                                  • Co-Insurance
                                                                                    • 10%
                                                                                    • Hospital Type
                                                                                      • Public Ward A and below
                                                                                      • Eligibility Requirement
                                                                                        • Singapore Citizens, Permanent Residents
                                                                                        • Last Entry Age
                                                                                          • 75 (Age Next Birthday)
                                                                                          BenefitsBenefit LimitWard A Avg.
                                                                                          Annual LimitS$600,000S$528,571
                                                                                          Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                                                                                          Pre-Hospitalisation (Days)90120
                                                                                          Post-Hospitalisation (Days)90180
                                                                                          Outpatient Cancer TreatmentAs ChargedAs Charged
                                                                                          Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                                                                                          Psychiatric Treatment (Inpatient)S$17,500S$8,286

                                                                                          If you are looking for a high value hospitalisation plan focused on serious illness treatment and post-hospitalisation recovery, Great Eastern's GREAT SupremeHealth A Plus plan can be a good fit. First, the A Plus plan will give you the most medical coverage per dollar of premium: its premiums are 30% below average while boasting a S$1,000,000 annual limit and above average psychiatric, final expense and post-hospitalisation benefits (including speech and occupational therapy). Due to these protections, it is an especially good choice for those who want extensive coverage for psychiatric issues or for accidents and illnesses that may require occupational therapy for full recovery (such as rheumatoid arthritis or stroke).

                                                                                          Great Eastern's riders are also some of the most comprehensive. They include up to S$27,000 of hospice care, S$10,000 for home health care (for eligible expenses incurred post-hospitalisation), S$3,000 for medical aids and S$6,000 alternative treatment coverage for Chinese medicine (post-hospitalisation). Premiums for these riders are fairly reasonable, with the Great TotalCare Classic or Elite riders for A or P plans costing well below average for individuals over 65 years of age. Because of these below average prices, adding a rider can create a high-value package for seniors who want affordable protection for long term illnesses and care after they have left the hospital.

                                                                                          Consider this if you are a senior or want long-term recovery coverage
                                                                                          • Co-Insurance
                                                                                            • 10%
                                                                                            • Hospital Type
                                                                                              • Public Ward A and below
                                                                                              • Eligibility Requirement
                                                                                                • Singapore Citizens, Permanent Residents
                                                                                                • Last Entry Age
                                                                                                  • 75 (Age Next Birthday)
                                                                                                  BenefitsBenefit LimitWard A Avg.
                                                                                                  Annual LimitS$600,000S$528,571
                                                                                                  Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                                                                                                  Pre-Hospitalisation (Days)90120
                                                                                                  Post-Hospitalisation (Days)90180
                                                                                                  Outpatient Cancer TreatmentAs ChargedAs Charged
                                                                                                  Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                                                                                                  Psychiatric Treatment (Inpatient)S$17,500S$8,286

                                                                                                  If you are looking for a high value hospitalisation plan focused on serious illness treatment and post-hospitalisation recovery, Great Eastern's GREAT SupremeHealth A Plus plan can be a good fit. First, the A Plus plan will give you the most medical coverage per dollar of premium: its premiums are 30% below average while boasting a S$1,000,000 annual limit and above average psychiatric, final expense and post-hospitalisation benefits (including speech and occupational therapy). Due to these protections, it is an especially good choice for those who want extensive coverage for psychiatric issues or for accidents and illnesses that may require occupational therapy for full recovery (such as rheumatoid arthritis or stroke).

                                                                                                  Great Eastern's riders are also some of the most comprehensive. They include up to S$27,000 of hospice care, S$10,000 for home health care (for eligible expenses incurred post-hospitalisation), S$3,000 for medical aids and S$6,000 alternative treatment coverage for Chinese medicine (post-hospitalisation). Premiums for these riders are fairly reasonable, with the Great TotalCare Classic or Elite riders for A or P plans costing well below average for individuals over 65 years of age. Because of these below average prices, adding a rider can create a high-value package for seniors who want affordable protection for long term illnesses and care after they have left the hospital.

                                                                                                  Maximum Public Hospital Coverage: AIA HealthShield Gold Max A

                                                                                                  Consider this if you want high levels of protection at Class A Wards
                                                                                                  • Co-Insurance
                                                                                                    • 10%
                                                                                                    • Hospital Type
                                                                                                      • Private
                                                                                                      • Eligibility Requirement
                                                                                                        • Singapore Citizens, Permanent Residents, Foreigners
                                                                                                        • Last Entry Age
                                                                                                          • 75 (Age Next Birthday)
                                                                                                          BenefitsBenefit LimitPrivate Hospital Avg.
                                                                                                          Annual LimitS$2,000,000 (for Ward A & lower)S$1,050,000
                                                                                                          Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                                                                                                          Pre-Hospitalisation (Days)395 (for Public)150
                                                                                                          Post-Hospitalisation (Days)395 (for Public)173
                                                                                                          Outpatient Cancer TreatmentAs ChargedAs Charged
                                                                                                          Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                                                                                                          Total Psychiatric TreatmentS$10,000S$10,583

                                                                                                          The best plan for maximum public hospital coverage is AIA HealthShield Gold Max A. While it is a Private hospital plan, you will benefit most from it if you utilise its benefits for Ward A or lower. For example, its benefits include an industry beating annual limit of S$2,000,000 for public hospital treatment, the longest pre-and post hospitalisation coverage of 395 days, fully covered benefits for congenital abnormalities, S$10,000 of prosthesis benefits, S$100,000 extra cover for 30 critical illnesses per year (and unlimited per lifetime), S$5,000 for post-hospitalisation home nursing benefit and S$5,000 of post-hospitalisation alternative medicine benefit for cancer or stroke. This plans also offers hospitalisation coverage for your newborn.

                                                                                                          To top off your coverage even more, you can opt for AIA's Max VitalHealth A rider (with the Booster), which will reimburse you in full for a standard bed to keep your hospitalised child company, S$5,000 of post-hospitalisation alternative treatment,S$2,000 of outpatient emergency coverage and S$5,000 post-hospitalisation nursing coverage. However, premiums for AIA tend to be costly, meaning this plan will mainly fit affluent customers who are focused on maxing out coverage for Ward A expenses. Additionally, using this plan as a Private Hospital plan will result in lackluster benefits, as its annual limit drops to S$600,000 and your pre and post-hospitalisation care coverage drops to 100 days. Are you interested or looking to apply? Speak to one of our PolicyPal advisors to learn more.

                                                                                                          Consider this if you want high levels of protection at Class A Wards
                                                                                                          • Co-Insurance
                                                                                                            • 10%
                                                                                                            • Hospital Type
                                                                                                              • Private
                                                                                                              • Eligibility Requirement
                                                                                                                • Singapore Citizens, Permanent Residents, Foreigners
                                                                                                                • Last Entry Age
                                                                                                                  • 75 (Age Next Birthday)
                                                                                                                  BenefitsBenefit LimitPrivate Hospital Avg.
                                                                                                                  Annual LimitS$2,000,000 (for Ward A & lower)S$1,050,000
                                                                                                                  Hospitalisation & Surgical BenefitsAs ChargedAs Charged
                                                                                                                  Pre-Hospitalisation (Days)395 (for Public)150
                                                                                                                  Post-Hospitalisation (Days)395 (for Public)173
                                                                                                                  Outpatient Cancer TreatmentAs ChargedAs Charged
                                                                                                                  Pregnancy & Childbirth ComplicationsAs ChargedAs Charged
                                                                                                                  Total Psychiatric TreatmentS$10,000S$10,583

                                                                                                                  The best plan for maximum public hospital coverage is AIA HealthShield Gold Max A. While it is a Private hospital plan, you will benefit most from it if you utilise its benefits for Ward A or lower. For example, its benefits include an industry beating annual limit of S$2,000,000 for public hospital treatment, the longest pre-and post hospitalisation coverage of 395 days, fully covered benefits for congenital abnormalities, S$10,000 of prosthesis benefits, S$100,000 extra cover for 30 critical illnesses per year (and unlimited per lifetime), S$5,000 for post-hospitalisation home nursing benefit and S$5,000 of post-hospitalisation alternative medicine benefit for cancer or stroke. This plans also offers hospitalisation coverage for your newborn.

                                                                                                                  To top off your coverage even more, you can opt for AIA's Max VitalHealth A rider (with the Booster), which will reimburse you in full for a standard bed to keep your hospitalised child company, S$5,000 of post-hospitalisation alternative treatment,S$2,000 of outpatient emergency coverage and S$5,000 post-hospitalisation nursing coverage. However, premiums for AIA tend to be costly, meaning this plan will mainly fit affluent customers who are focused on maxing out coverage for Ward A expenses. Additionally, using this plan as a Private Hospital plan will result in lackluster benefits, as its annual limit drops to S$600,000 and your pre and post-hospitalisation care coverage drops to 100 days. Are you interested or looking to apply? Speak to one of our PolicyPal advisors to learn more.

                                                                                                                  Best International Health Insurance: FWD 2m & 3m

                                                                                                                  Promotion:
                                                                                                                  Consider this if you are an international citizen who wants high value health insurance for a market beating price
                                                                                                                  • Optional Deductible
                                                                                                                    • S$0-S$10,000
                                                                                                                    • Hospitalisation Accommodation
                                                                                                                      • Public Shared/Standard Single
                                                                                                                      BenefitsBenefit LimitIndustry Avg.
                                                                                                                      Annual LimitS$2,000,000S$1,959,750
                                                                                                                      Hospitalisation & Surgical BenefitsPaid in FullPaid in Full
                                                                                                                      Pre-Hospitalisation Coverage (Days)90110
                                                                                                                      Post-Hospitalisation Coverage (Days)90110
                                                                                                                      Cancer TreatmentPaid in FullPaid In Full
                                                                                                                      Medical EvacuationS$1,000,000S$1,984,643
                                                                                                                      Emergency DentalPaid in FullPaid in Full

                                                                                                                      Singaporeans who frequently travel for work abroad and foreigners looking for more comprehensive health coverage in Singapore can consider an international health insurance plan as a viable alternative to an Integrated Shield Plan. FWD's International Health Insurance provides great comprehensive coverage in exchange for very affordable premiums. Plans cost around 70% below the average for international health insurance plans, ranging between S$900-S$1,100 for a 45-year old.

                                                                                                                      When these premiums combine with FWD's S$2,000,000-S$3,000,000 limit plans, you will end up with one of the highest value international plans available. In terms of benefits, it provides 100% coverage for some of the most life-threatening procedures including cancer treatment, organ transplants and pregnancy complications anywhere within your region of coverage. Furthermore, FWD is a great option for health conscious individuals as they will double your annual limit if you don't make any hospitalisation claims for two years.

                                                                                                                      Promotion:

                                                                                                                      Consider this if you are an international citizen who wants high value health insurance for a market beating price
                                                                                                                      • Optional Deductible
                                                                                                                        • S$0-S$10,000
                                                                                                                        • Hospitalisation Accommodation
                                                                                                                          • Public Shared/Standard Single
                                                                                                                          BenefitsBenefit LimitIndustry Avg.
                                                                                                                          Annual LimitS$2,000,000S$1,959,750
                                                                                                                          Hospitalisation & Surgical BenefitsPaid in FullPaid in Full
                                                                                                                          Pre-Hospitalisation Coverage (Days)90110
                                                                                                                          Post-Hospitalisation Coverage (Days)90110
                                                                                                                          Cancer TreatmentPaid in FullPaid In Full
                                                                                                                          Medical EvacuationS$1,000,000S$1,984,643
                                                                                                                          Emergency DentalPaid in FullPaid in Full

                                                                                                                          Singaporeans who frequently travel for work abroad and foreigners looking for more comprehensive health coverage in Singapore can consider an international health insurance plan as a viable alternative to an Integrated Shield Plan. FWD's International Health Insurance provides great comprehensive coverage in exchange for very affordable premiums. Plans cost around 70% below the average for international health insurance plans, ranging between S$900-S$1,100 for a 45-year old.

                                                                                                                          When these premiums combine with FWD's S$2,000,000-S$3,000,000 limit plans, you will end up with one of the highest value international plans available. In terms of benefits, it provides 100% coverage for some of the most life-threatening procedures including cancer treatment, organ transplants and pregnancy complications anywhere within your region of coverage. Furthermore, FWD is a great option for health conscious individuals as they will double your annual limit if you don't make any hospitalisation claims for two years.

                                                                                                                          Best Cancer Insurance Plan

                                                                                                                          Promotion:
                                                                                                                          Consider this if you want only cancer protection for a great price
                                                                                                                          Sum InsuredGenderAge 25Age 35Age 45Age 55
                                                                                                                          S$50,000MaleS$78.40S$94.40S$166.40S$390.40
                                                                                                                          FemaleS$110.40S$158.40S$302.40S$414.40
                                                                                                                          S$100,000MaleS$118.40S$142.40S$286.40S$670.40
                                                                                                                          FemaleS$190.40S$278.40S$518.40S$710.40
                                                                                                                          S$150,000MaleS$198.40S$230.40S$470.40S$1,078.40
                                                                                                                          FemaleS$310.40S$454.40S$838.40S$1,142.40
                                                                                                                          Annual premiums, including GST

                                                                                                                          If you are looking to supplement your health insurance plan, you can consider FWD's Cancer Insurance. While not a traditional health insurance plan, it is a critical illness policy that offers a payout in the event you get diagnosed with cancer at any stage. It offers up to S$200,000 of cancer coverage amount, which is above average compared to other cancer-only critical illness plans on the market.

                                                                                                                          You can purchase this plan online and you will receive the full 100% sum assured for any stage of cancer, both of which are unique features. In terms of other miscellaneous benefits, you will also receive complimentary medical advice from a second doctor, can file a claim online, get a S$5,000 death benefit and purchase the policy without getting a medical examination.

                                                                                                                          Promotion:

                                                                                                                          Consider this if you want only cancer protection for a great price
                                                                                                                          Sum InsuredGenderAge 25Age 35Age 45Age 55
                                                                                                                          S$50,000MaleS$78.40S$94.40S$166.40S$390.40
                                                                                                                          FemaleS$110.40S$158.40S$302.40S$414.40
                                                                                                                          S$100,000MaleS$118.40S$142.40S$286.40S$670.40
                                                                                                                          FemaleS$190.40S$278.40S$518.40S$710.40
                                                                                                                          S$150,000MaleS$198.40S$230.40S$470.40S$1,078.40
                                                                                                                          FemaleS$310.40S$454.40S$838.40S$1,142.40
                                                                                                                          Annual premiums, including GST

                                                                                                                          If you are looking to supplement your health insurance plan, you can consider FWD's Cancer Insurance. While not a traditional health insurance plan, it is a critical illness policy that offers a payout in the event you get diagnosed with cancer at any stage. It offers up to S$200,000 of cancer coverage amount, which is above average compared to other cancer-only critical illness plans on the market.

                                                                                                                          You can purchase this plan online and you will receive the full 100% sum assured for any stage of cancer, both of which are unique features. In terms of other miscellaneous benefits, you will also receive complimentary medical advice from a second doctor, can file a claim online, get a S$5,000 death benefit and purchase the policy without getting a medical examination.

                                                                                                                          Why Do You Need Health Insurance?

                                                                                                                          Health insurance can help you cover the ever-growing medical costs that incur when you face an illness, injury or disability. In the event that you are hospitalised or otherwise unable to work due to your medical condition, a good health insurance plan can protect you from draining your savings or taking out a loan to pay off your medical bills. Similarly, if you are diagnosed with a long-term or terminal illness, your health insurance plan would provide you with a lump sum payment that can greatly benefit your family in the case that you pass or are unable to work again.

                                                                                                                          Do You Need To Upgrade Your Health Insurance?

                                                                                                                          While all Singaporeans are covered by MediShield Life, there are many scenarios in which you may want to upgrade to a more comprehensive health insurance plan known as an Integrated Shield Plan (IP). By buying an IP from a private insurer, your hospitalisation coverage extends to private hospitals and class A & B1 wards in public hospitals. Similarly, you'll be able enjoy enjoy more health care options and higher claim limits with an Integrated Shield Plan.

                                                                                                                          While Medishield Life covers the basic costs incurred from hospitalisation and surgery, an IP assists in the coverage of pre-hospitalisation and post-hospitalisation costs. Not only do IPs have more benefits, but they also extend Medishield's claim limit of S$100,000 up to S$1,000,000 or more. Additionally, optional IP riders can be added onto your health insurance plan to top up your health insurance coverage.

                                                                                                                          If you believe you already have sufficient coverage with MediShield, then you do not need to upgrade your health insurance plan. However, everybody's budget, health status, and insurance requirements are different. After thoroughly evaluating your current plan and discerning any gaps in its coverage, you can then consider upgrading your health insurance to an Integrated Shield Plan with optional riders.

                                                                                                                          What Are the Types of Health Insurance?

                                                                                                                          There are many types of insurance policies that provide protection against health care expenses and it's important to understand the differences so that you can choose the best one for your needs.

                                                                                                                          Type of Health InsuranceDescription
                                                                                                                          Hospital Cash InsuranceWith this insurance plan, you can receive a daily cash payout if you are hospitalised by an injury or illness. Hospital cash insurance is paid directly to you and offers more financial protection if you were to be hospitalised by an illness or injury.
                                                                                                                          Long-Term Care InsuranceLong-term care insurance provides a monthly cash amount to people under long-term nursing care. Both CareShield Life and ElderShield supplements address this need for financial protection of the elderly and otherwise disabled Singaporeans. However, you can add extra financial protection with a long-term care rider from a private IP insurer.
                                                                                                                          Disability Income InsuranceDisability income insurance provides income replacement up to a percentage of your monthly income in the event that you are disabled and unable to work. This option can greatly benefit you and your family's livelihood if you are the sole breadwinner of the household.
                                                                                                                          Hospitalisation InsuranceHospitalisation insurance reimburses you for medical costs including treatment bills and hospitalisation costs. Partial or full coverage depends on your health insurance policy and riders.
                                                                                                                          Critical Illness InsuranceCritical illness insurance provides a lump sum payment if you are diagnosed with a critical illness like a stroke or cancer. The lump sum is meant to cover medical costs so that you and your family can seek treatment without worrying about large medical debt.
                                                                                                                          Terminal Illness InsuranceTerminal illness insurance provides a lump sum payment if you are diagnosed with a terminal illness, which can help you and your family cover the high costs of medical care that may incur during your last few months. This type of insurance greatly benefits your family, as the payout will help reduce any medical debt.

                                                                                                                          How to Pick the Best Health Insurance Plan

                                                                                                                          Choosing the best health insurance plan for you depends on your budget, prior health conditions and potential future conditions.

                                                                                                                          First, you should only consider plans you can afford not just now, but also in the future. Health insurance premiums are bound to go up over time due to continually rising healthcare costs and your age. For instance, premiums can increase as much as by 15 times from the age of 25 to age of 75. Also, while everyone wants ultimate comfort when they are hospitalised, not everyone can afford Private Hospital plans.

                                                                                                                          However, this doesn't mean you should settle on the cheapest plan. Cheaper plans (such as Integrated Standard Plans) may not offer comprehensive enough coverage for families or for those who are predisposed for certain illnesses. To find the sweet spot, you should look at what you can afford now and err on the side of caution when calculating your future medical expense budget.

                                                                                                                          Next, you should take into consideration your current health status. For instance, it may be a lot harder for you to find an IP if you suffer from a pre-existing condition. You should also look at what benefits you may need in the future due to your current health conditions. If you are at risk for diabetes, your worst case scenario is that you may need coverage for a kidney dialysis machine down the line; if you are an expectant mother, you may need future coverage for congenital abnormalities or pregnancy complications. Remaining realistic about your current and future needs is the best way for you to find a plan that will provide full coverage without sacrificing too much of your budget.

                                                                                                                          Lastly, you should always read the terms and conditions of your policy. For some benefits (such as congenital abnormalities or pregnancy complications), there is a waiting period before the benefits become effective. Policies also have exclusions that may not be evident just by reading the benefits table. This can include exclusions of certain critical illnesses, pre-existing conditions, injuries due to certain events (such as war or substance abuse). Furthermore, if you are someone who will be moving to work in a different country or if you are an ex-pat and you don't qualify for an IP, an international health insurance plan may be a better alternative. If you have questions about your policy document, you should reach out to your insurer to make sure you know exactly what will be covered to avoid paying out of pocket for costly medical bills.

                                                                                                                          Integrated Shield Plans are private health insurance plans supplied by insurers. Integrated Shield Plans (IPs) provide additional coverage on top of your MediShield Life plan. For instance, unlike MediShield Life, IPs provide full coverage medical events like surgery, pre-and post-hospitalisation treatment, room & board as well as higher benefits for certain treatments like cancer and kidney transplants. They also provide coverage for more expensive wards and private hospitals.

                                                                                                                          No, it's not necessary to get an Integrated Shield Plan. However, if you want more comprehensive coverage than what your MediShield Life plan provides, then IPs would be a good option. As with any long-term purchase, you should weigh your needs against the cost of the plan before committing to an IP. However, if you decide that an IP meets your needs, then it is important to get insured as soon as possible while you are young and in good health. This is because premiums are cheaper if you are younger and you will be able to get coverage before any pre-existing conditions develop that would get excluded down the line.

                                                                                                                          The cost of a private health insurance plan depends on your age and the type of coverage you want. Generally the older you get, the more you will have to pay. For instance, the average cost of an IP will cost S$69 per year for a 25-year-old looking to get covered for a B1 Ward. This cost will increase to S$224 for a 55-year old individual. Alternatively, a 25-year old would have to pay an average cost of S$218 for private hospital coverage, while a 55-year-old will have to pay S$981.

                                                                                                                          Yes, you can use Medisave to pay for your Integrated Shield Plan. However, you can not use Medisave to pay for IP riders.

                                                                                                                          Yes, some insurers will let foreigners receive coverage under an Integrated Shield Plan. For instance, Prudential will let foreigners with valid work passes apply for their plan. Foreigners who don't have coverage under their company or aren't eligible for an IP can instead consider an international health insurance plan.

                                                                                                                          That depends. A pre-existing condition is defined as a condition that you were treated, received advice or medication for before the start date of the policy. If you declare your pre-existing condition, you may receive coverage. However, any pre-existing condition that you fail to disclose will automatically be excluded.

                                                                                                                          Yes, you may be covered for planned and overseas treatment. You should read the terms and conditions of your plan to see what kind of overseas treatment you'll be covered as some insurers only cover emergency treatment while others, like Aviva, cover both planned and emergency treatment. Please note that your coverage will be pegged to the cost of the treatment at your hospital ward.

                                                                                                                          Methodology

                                                                                                                          To get to our top health insurance picks, we gathered benefits and pricing data from the 6 insurers who offered Integrated Shield Plans for a profile of a healthy, non-smoking male in age groups 25 to 75. We did this in order to get the most accurate picture of which plans offered the most coverage per dollar of premium and how each plan is priced in comparison to the others. Our premiums did not include MediShield Life or Additional Withdrawal Limits for fairer comparison of premiums and benefits and because individual Medisave accounts may vary.

                                                                                                                          Insurance Companies In Sample
                                                                                                                          AIAAvivaAXA
                                                                                                                          IncomeGreat EasternPrudential
                                                                                                                          Raffles Medical

                                                                                                                          Because consumers have unique health backgrounds and may prioritise some types of coverage over others, we also used qualitative analysis to evaluate how plans and their riders differed and what unique and helpful benefits each insurer offered. We did not put much emphasis on the current Rider's deductible and co-insurance coverage due to new regulations surrounding a mandatory minimum 5% co-payment for health insurance claims that will make these benefits obsolete in the near future.

                                                                                                                          Additional Resources

                                                                                                                          Looking for more information? Use our free resources to find the answers to all the questions you may have about health insurance, hospitals and healthcare in Singapore.

                                                                                                                          Anastassia Evlanova

                                                                                                                          Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.