Medisave-approved Insurance 


Medisave-approved Integrated Insurance Plans

Apart from the MediShield scheme, which the Central Provident Fund Board runs, you can also choose from amongst other Medisave-approved Integrated Shield Plans offered by private insurers. 

Since 1 July 2005, each of these Medisave-approved plans have been integrated with basic MediShield to form a single integrated plan. These Integrated Shield Plans (IPs) provide you with additional benefits and coverage when you opt for Class A and B1 wards in public hospitals, or private hospitalisation.

IP policyholders retain the benefits and coverage of the basic MediShield component, while enjoying additional coverage provided by their private insurers. Premiums are paid directly to the private insurers who will service all the policyholder’s needs. Similarly, private insurers will service all claims and sort out all back-end arrangements with CPF Board to include any payouts from MediShield.

Medisave can also be used to pay for premiums of these IPs. The current Medisave withdrawal limits for IPs are:

  • $800 per policy, per year, for those aged 65 and below next birthday;
  • $1,000 per policy, per year, for those aged 66 to 75 next birthday;
  • $1,200 per policy, per year, for those aged 76 to 80 next birthday; and
  • $1,400 per policy, per year, for those aged 81 and above next birthday.

With the launch of MediShield Life in end-2015, the MediShield component of IPs will be replaced by MediShield Life. The medisave withdrawal limits will be restructured and a new Additional Withdrawal Limits will be introduced.

For more information on the Additional Withdrawal Limits, click here

Medisave-approved Integrated Shield Plans include:

Related Info:

If you had a Medisave-approved plan with a private insurer before 1 July 2005, you will be transited to the new Medisave-approved Integrated Shield plans over a 2 year period by your private insurer. After the 2-year transition period is over, Medisave cannot be used to pay for the premiums of the old plans as they are not integrated with MediShield.

Service Indicators
(I) Claims return rate

The following claims return rate table shows how long it takes each insurer to process claims with positive payouts.

The phrase, cumulative claims return rate, refers to the percentage of claims processed by the insurer within one week, two weeks and one month. Note that the fifth column shows the median number of days it takes each insurer to process claims.

  Cumulative Claims Return Rate Median Claims Return Rate (days)
<= 1 week <= 2 weeks <= 4 weeks
AIA 50% 82% 90% 7
AVIVA 85% 90% 94% 0 (Same Day)
Great Eastern 90% 94% 96% 0 (Same Day)
NTUC Income 95% 96% 98% 0 (Same Day)
Prudential 70% 81% 94% 4

(1 Apr to 30 Jun 2015)

Note (1): The number of days insurers take to process claims includes the time it takes to obtain medical records from claimants or medical institutions.

(II) Letter of guarantee and medical records costs
When you are hospitalised, if your hospital can obtain a letter of guarantee from your insurer, you can reduce the amount of your upfront payment to the hospital. A letter of guarantee is an assurance of payment offered by insurers to hospitals, on behalf of a patient, for the portion of the hospital bill covered by insurance.

To process claims, insurers may require your medical records. Either you as a claimant, or your insurer, can request medical records from medical institutions. This request however, usually comes at a cost from $75 to $250. All insurers currently absorb the cost of obtaining medical records.

  Provides Letter of Guarantee** Absorbs costs of obtaining medical records
Aviva Yes
Great Eastern Yes Yes
NTUC Income Yes Yes
Prudential Yes Yes

**Provided to selected public hospitals and institutions - AH, CGH, NUH, SGH, TTSH and KTPH. Please check with the insurer for more information.
(As of July 2012)

Note (1): Insurers who absorb the cost of obtaining medical records, do so in more than 90% of cases. There might still exist situations where the claimant is requested to pay for medical records.


For more information, please refer to the section on Integrated Shield Plans in the FAQs.