Important Information

All material included in this website is of a general nature. It is intended for education and informational purposes only.

The information provided is based on what was provided to us at the date of Publication. We are not responsible for 

  • the correctness of the information, or
  • any third party contents which can be accessed through the web site

You are strongly advised to seek the professional advice of insurance professionals before making any decision with regard to any of the Medisave-Approved Integrated Shield Plans.

Summary: List of Integrated Shield Plans (IPs) and their targeted level of coverage (As at 1 Apr 2021)

Expand All | Collapse All

Basic Plans

Comparison of Class B2/C Plans

1. MediShield Life
2. Income IncomeShield Plan C*
3. Income Enhanced IncomeShield C*

Standard Integrated Shield Plan (for Public Hospital Class B1 coverage)

Comparison of Standard IPs (for Class B1 coverage)

1. AIA HealthShield Gold Max Standard Plan
2. Singlife with Aviva MyShield Standard Plan
3. AXA Shield Standard Plan
4. Great Eastern Supreme Health Standard Plan
5. Income IncomeShield Standard Plan
6. Prudential PruShield Standard Plan
7. Raffles Shield Standard

Class B1 Plans

Comparison of Class B1 IPs

1. AIA HealthShield Gold Max C*
2. AIA HealthShield Gold Max B Lite
3. Singlife with Aviva MyShield Plan 3
4. Great Eastern Supreme Health B*
5. Great Eastern Supreme Health B Plus
6. Income Enhanced IncomeShield Basic
7. Prudential PruShield B*
8. Raffles Shield B

Class A Plans

Comparison of Class A IPs

1. AIA HealthShield Gold Max B
2. Singlife with Aviva MyShield Plan 2
3. AXA Shield Plan B
4. Great Eastern Supreme Health A*
5. Great Eastern Supreme Health A Plus
6. Income Enhanced IncomeShield Advantage
7. Income IncomeShield Plan A*
8. Prudential PruShield Plus
9. Prudential PruShield A*
10. Raffles Shield A

Private Hospitals Plans

Comparison of Private Hospital IPs

1. AIA HealthShield Gold Max A
2. Singlife with Aviva MyShield Plan 1
3. AXA Shield Plan A
4. Great Eastern Supreme Health P Plus
5. Income Enhanced IncomeShield Preferred
6. Income IncomeShield Plan P*
7. Prudential PruShield Premier
8. Raffles Shield Private

* These plans are no longer offered to new members. Existing members may continue to renew their policies.

Sample Policy Contracts of Integrated Shield Plans (As at 1 Apr 2021)


Service Indicators

(I) Claims Processing Duration

The following claims return rate table shows how long it takes each insurer to process Integrated Shield Plan (IP) claims with positive payouts. Please note that the durations below do not apply to rider claims. 


Median Claims Processing Duration (days)1

75th Percentile Claims Processing Duration (days)2


0 (Same Day)


Singlife with Aviva

0 (Same Day)





Great Eastern




0 (Same Day)



0 (Same Day)

0 (Same Day)

Raffles Health Insurance*- -

(1 October to 31 December 2021)
1 Median Claims Processing Duration means that 50 out of 100 claims are processed by the insurer within the indicated number of days in the table.
2 75th Percentile Claims Processing Duration means 75 out of 100 claims are processed by the insurer within the indicated number of days in the table.
* As RHI was approved to provide IPs from 16 July 2018 onwards, the number of claims processed by RHI is currently insufficient for analysis. 

Note: The number of days that insurers take to process claims include the time it takes to obtain medical records from claimants or medical institutions.

Common reasons why insurers may reject or not pay for claims made

Having an insurance policy does not always mean that you will receive a payout for your claim. The table below shows some common reasons why your insurer may reject your claim or not provide a payout for your claim. For more information regarding your claim and insurance coverage, please check with your insurer.

Common reasons for claims rejection or no payouts
  • Claim amount is below the deductible
  • Medical condition is excluded from the policy
  • General exclusions, such as pregnancy and maternity expenses

(II) Letter of Guarantee

When you are hospitalised, if your hospital can obtain a Letter of Guarantee (LOG) from your insurer, you can reduce the upfront cash deposit amount that you have to make with the hospital. An LOG is a letter issued by insurers to selected hospitals to fully or partially waive the hospital upfront cash deposit for hospitalisations or surgeries, based on the estimated portion of the bill covered by the insurance. LOGs are provided by insurers as an additional service, according to their respective terms of service. 

All IP insurers provide LOGs and you may check with your IP insurer for more information.

Following the hospital discharge, you may still be required by your hospital to settle your hospital bill, while your insurer assesses your claim according to your insurance coverage. You will be reimbursed by the hospital, after your insurer makes payment to your hospital.

Common reasons why insurers do not provide a Letter of Guarantee in specific cases

Having an IP does not mean that your insurer will always provide an LOG when you need treatment at a hospital. Your insurance coverage may differ from other policyholders, and your insurer may be unable to ascertain at the start of your treatment  whether your treatment is claimable under your insurance coverage.

The table below shows some common reasons why insurers may not provide policyholders with a LOG. For more information regarding LOGs and your insurance coverage, please check with your insurer.

Common reasons for not providing a Letter of Guarantee
  • Estimated bill size is below the deductible
  • Duration between policy inception and LOG application is shorter than insurer's stipulated minimum duration for LOG eligibility
  • Medical condition is a pre-existing medical condition that the policyholder had before the commencement of the policy
  • Medical condition is excluded from the policy
  • General exclusions, such as pregnancy and maternity expenses

(III) Medical Record Costs

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 of between $75 to $250. IP insurers may not absorb the cost of obtaining medical records.