Should I upgrade my MediShield life?

If all we need is medical attention when we lose our health, there is really no necessity to consider an upgrade as Medishield Life will provide “universal coverage”. This means that every Singaporean and permanent resident will be covered for all illnesses including pre-existing ones, and the coverage is for life.

Can I change my Integrated Shield plan?

If you can no longer afford or do not wish to continue paying the premiums for your IP, you can switch your plan to one which provides coverage for lower ward classes with the same insurer without any additional underwriting.

How do I upgrade my IncomeShield plan?

For existing IncomeShield policyholders, you can choose to upgrade your plan to enjoy better benefit by completing and submitting the Enhanced IncomeShield Upgrade Form or IncomeShield Standard Plan Upgrade Form to us at, or you can speak to your adviser.

Is MediShield life good enough?

MediShield Life would generally be enough if you're okay to be warded in a Class B2 or C ward when hospitalised. For higher coverage in a Class B1 or A ward, or in private hospitals, you may want to consider getting an IP to ensure that you pay less out-of-pocket for your treatment.

Is MediShield and MediShield life the same?

MediShield will be replaced by MediShield Life. These are the key differences between the two: MediShield Life offers higher claim limits for hospital bills and outpatient cancer treatments like chemotherapy. There is no lifetime claim limit for MediShield Life, meaning you are covered until death.

Is MediShield life premium compulsory?

MediShield Life provides universal healthcare coverage to all Singaporeans and Permanent Residents regardless of their pre-existing medical conditions, for life. Coverage is mandatory for Singapore residents and cannot be cancelled or terminated.

Can I downgrade my Integrated Shield plan?

You can always downgrade your plan subsequently if the premiums become unaffordable for you. Generally, you shouldn't spend more than 5% of your annual income on health insurance premiums.

Is Integrated Shield plan compulsory?

An Integrated Shield Plan (IP) is an optional health coverage provided by private insurance companies. Consider the coverage you need based on the hospital ward and choice of hospitals you want to stay in, or you'll end up paying more premiums than necessary. If you are not sure you have an IP, check with CPF.

What is the difference between MediShield life and Integrated Shield plan?

MediShield Life is included in all Integrated Shield plans. MediShield Life will cover you for life, including your pre-existing conditions. 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.

What is NTUC enhanced IncomeShield?

NTUC Enhanced IncomeShield is a Medisave approved integrated Shield plan that reimburse your inpatient medical-related services expenses and selected outpatient hospital treatments too. This plan will also reimburse your eligible hospitalisation cost incurred, subject to deductible and co-insurance.

What is the difference between MediShield and IncomeShield?

Our range of IncomeShield plans are Integrated Shield Plans which consist of two parts – the MediShield Life portion and an additional private insurance coverage portion (e.g. to cover the costs of private hospitals or A/B1-type wards in the public hospitals).

What is IncomeShield standard plan?

IncomeShield Standard Plan is an Integrated Shield Plan which consists of two parts – the MediShield Life portion and an additional private insurance coverage portion. MediShield Life is a national health insurance scheme for all Singapore Citizens and Permanent Residents.

How do I update MediShield life?

Alternatively, you can call the MediShield Life hotline at 1800-222-3399 or +65-6222-3399 (for overseas caller) for further assistance.

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