- Max. Annual Coverage Limit
- Pre-Hospitalisation Benefit
- 180 days
- Post-Hospitalisation Benefit
- 365 days
- Max Annual Coverage Limit
- Area of Coverage
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|HealthShield Gold Max||AIA||Inpatient/Day surgery, outpatient treatment|
|PRUShield||Prudential||Pre and post hospitalisation, Inpatient/Day surgery|
|IncomeShield||NTUC Income||Outpatient treatment, organ transplant|
|SupremeHealth||Great Eastern||Outpatient treatment, high claim limit per policy year|
|Shield||AXA||Cheapest premium, emergency overseas treatment|
|Raffles Shield||Raffles||High claim limit per policy year, pre and post hospitalisation|
What is health insurance and why do you need it? Health insurance serves to protect you from one of the biggest financial risks you might ever face – healthcare expenses. Essentially, health insurance means protection from hospitalisation and medical costs, as well as medical bills arising from injuries, illnesses, or disabilities. TL;DR? All it takes is one expensive accident or illness to wipe out your savings and retirement funds. Therefore, you will need health insurance to deal with the ever-increasing healthcare costs.
Here’s a brief overview of the common health insurance policies offered in Singapore and their benefits:
A common reason why some Singaporeans do not purchase additional healthcare coverage is because they already have enough coverage with MediShield and their employer’s insurance scheme. Yet, everyone’s health needs and insurance may different – you should check your insurance policies for gaps, limitations and exclusions. So, before you assume that your current health insurance policies are sufficient, evaluate your total coverage, look for gaps, and consider purchasing additional health insurance coverage to cover those bases and reduce your risk of running into an unpaid hefty medical bill.
You may have MediShield and your company’s insurance plan under your belt but that doesn't guarantee comprehensive healthcare coverage for you. The only way to ensure you’ll have 100% adequate coverage is to identify any gaps in your existing policies and seek out relevant health insurance policies to bridge those gaps.
|INSURANCE COMPANY||INTEGRATED SHIELD PLAN||PREMIUMS (IP PLAN ONLY)|
|NTUC Income||NTUC IncomeShield||Premiums start from S$255 for ages 21 to 30, S$375 for ages 31 to 35, S$392 for ages 36 to 40, S$648 for ages 41 to 45, and so on for NTUC IncomeShield Preferred plan|
|AIA||AIA HealthShield Gold Max||Premiums start from S$191 for ages 21 to 25, S$247 for ages 26-30, S$300 for ages 31-35, S$334 for ages 36-40, S$754 for ages 41-45, S$818 for ages 46-50, S$1,165 for ages 51-55 etc. for AIA HealthShield Gold Max A plan|
|Great Eastern||Great Eastern SupremeHealth||Premiums start from S$233 for ages 21 to 30, S$286 for ages 31 to 35, S$299 for ages 36 to 40, S$638 for ages 41 to 45, and so on for Great Eastern SupremeHealth P Plus plan|
|Aviva||Aviva MyShield||Premiums start from S$232 for 21 to 30-year-olds, S$409 for 31 to 40-year-olds, S$714 for 41 to 45-year-olds, S$924 for 46 to 50-year-olds, and so on for Aviva MyShield Plan 1|
|Prudential||Prudential PruShield||Premiums start from S$209 for ages 21 to 25, S$245 for ages 26 to 30, S$327 for ages 31 to 40, S$654 for ages 41 to 50, S$1,052 for age 51, and so on for Prudential PruShield Premier plan|
|AXA||AXA Shield||Premiums start from S$174 for ages 21 to 25, S$221 for ages 26 to 30, S$286 fo ages 31 to 35, S$299 for ages 36 to 40, S$600 for ages 41 to 45 etc. for AXA Shield Plan A|
|Raffles Health Insurance||Raffles Shield||Premiums start S$218 for ages 21 to 25, S$221 for ages 26 to 30, S$339 for ages 31 to 35, S$342 for ages 36 to 40, S$537 for ages 41 to 45, and so on for the Raffles Shield Private plan|
|INSURANCE COMPANY||IP PLAN RIDERS||PREMIUMS (ANNUAL, CANNOT BE PAID WITH CPF)|
|NTUC Income||2 riders available – NTUC Income Deluxe Care, and the NTUC Income Classic Care||NTUC Income Deluxe Care premiums range from S$500 for ages 21 to 25, S$506 for ages 26 to 30, S$632 for ages 31 to 35, S$663 for ages 36 to 40 etc. for a Preferred private hospital plan holder. NTUC Income Classic Care premiums range from S$204 for ages 21 to 30, S$205 for ages 31 to 40, S$405 for ages 41 to 50 and so on for Preferred private hospital plans|
|AIA||1 rider available – AIA Max VitalHealth||AIA Max VitalHealth premiums range from S$314 for ages 21 to 30, S$367 for ages 31 to 40, S$432 for ages 41 to 45, S$487 for ages 46 to 50 etc. for the AIA Max VitalHealth A rider|
|Great Eastern||2 riders available – GREAT TotalCare, and GREAT TotalCare Plus||GREAT TotalCare premiums range from S$327 for ages 21 to 30, S$415 for ages 31 to 35, S$418 for ages 36 to 40, S$620 for ages 41 to 45 etc. for an Elite-P rider. GREAT TotalCare Plus premiums range from S$213 for ages 19 to 30, S$246 for ages 31 to 40, S$298 for ages 41 to 50 etc. for an Advanced rider|
|Aviva||2 riders available – Aviva MyHealthPlus Option A-II, and Aviva MyHealthPlus Option C-II||Aviva MyHealthPlus Option A-II premiums range from S$136 for ages 21 to 30, S$155 for ages 31 to 40, S$164 for ages 41 to 15 etc. for Plan 1. Aviva MyHealthPlus Option C-II premiums range from S$787 for ages 21 to 30, S$912 for ages 31 to 40, S$1,044 for ages 41 to 45 etc. for Plan 1 private hospital plan|
|Prudential||3 riders available – PRUExtra Premier CoPay, PRUExtra Preferred CoPay, and the PRUExtra Premier Lite CoPay||PRUExtra Premier CoPay premiums incrementally range from S$603 to S$1,153 for ages 21 to 45. PRUExtra Preferred CoPay premiums range from S$423 to S$808 for ages 21 to 45 etc. PRUExtra Premier Lite CoPay premiums range from S$243 to S$381 for ages 21 to 45 etc.|
|AXA||1 rider available – AXA Enhanced Care||AXA Enhanced Care premiums range from S$300 for ages 21 to 30, S$312 for ages 31 to 35, S$317 for ages 36 to 40, S$322 for ages 41 to 45 etc. for Plan A private hospital plan|
|Raffles Health Insurance||2 riders available – Raffles Key Rider, and Raffles Premier Rider||Raffles Key Rider premiums range from S$286 for ages 21 to 30, S$297 for ages 31 to 35, S$302 for ages 36 to 40, S$307 for ages 41 to 45 etc. for a private policyholder. Raffles Premier Rider premiums range from S$74 for ages 21 to 25, S$80 for ages 26 to 30, S$89 for ages 31 to 35, S$96 for ages 36 to 40 etc. for private hospital plans|
What does co-insurance, deductibles, inflation rate, and pro-ration factors mean? What's the difference between medical expenses, medical costs, healthcare expenses, and hospital bills? What are my pre-existing conditions, claim limits, and Central Provident Fund (CPF) withdrawal limits? What are panel clinics and concierge services? We get it, insurance gets quite confusing at times. Sometimes, it's quite embarrassing to call up the customer service hotline to ask these simple questions.