4 Best Integrated Shield Plans in Singapore (Comparison for 2022)

…Compare and Save Precious Time & Money

1179+ Singaporeans have benefitted from our comparisons

best integrated shield plan comparison
  • Avoid multiple agents yet be able to compare across 18 insurance companies
  • ​Our DeepDive™ provides an in-depth comparison of the best integrated shield plans in Singapore
  • ​Tailored to your specific needs with personalised quotes and premiums
  • Protect yourself against huge and unexpected hospital bills


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The Purpose of an Integrated Shield Plan

Health insurance is one of the most fundamental aspects in proper financial planning. Be it an accident, injury, illness, or death, you’re likely to be at the hospital.

With healthcare costs increasing in Singapore, you might want to get covered with a comprehensive hospitalisation plan.

The integrated shield plan allows you to use MediSave and/or cash, and provides further coverage compared to the national healthcare scheme, MediShield Life.

how integrated shield plans work

(If you’re new to integrated shield plans and want to know more about them instead, read this guide first.)

Best Integrated Shield Plans in Singapore (Comparison for 2022)

If you like the idea of a shield plan, what’s next?

Finding the best one of course!

You’re using your hard-earned money and you’ll definitely want to make the best decision (with no regrets in the future).

But health insurance plans come in all shapes and sizes… and one size doesn’t fit all.

The only way to find the best one for you is to do an in-depth comparison across the different plans offered by the different insurance companies.

And that’s what we’re good at.

Here’s a non-exhaustive list of integrated shield plans that we can compare:

Insurance CompanyPlan Name
AIAHealthShield Gold Max / Max VitalHealth
AvivaMyShield / MyHealthPlus
AXAAXA Shield / Enhanced Care Rider
NTUC IncomeEnhanced IncomeShield / Deluxe Care Rider / Classic Care Rider

What’s in Our Integrated Shield Plan Comparison DeepDive™

best integrated shield plan comparison


Unlike others, our DeepDive™ gives you the Good and the Bad
So you will be equipped to make better decisions.

What we’ll cover in the comparison:

  • What are the coverage for private and public hospitals
  • What’s the effect of adding on a rider
  • What are the premiums in cash and/or MediSave
  • Any secondary benefits
  • Potential disadvantages
  • Anything else you wish to know…

We spent hours scrutinising policy documents so that you don’t have to.

But, We Do Things Differently

Unlike others, we don’t publish these comparisons online (comparisons from other sites are usually generic in nature, may contain outdated information, and their quotes aren’t specific to your profile and your needs). Also, we don’t send these these personalised comparisons directly to your email.

We do this on an appointment basis (via zoom video call or a meet-up) to first understand your situation before going through the comparison with you. This ensures that we can provide appropriate advice there and then.

It may sound troublesome to you, but hear us out.

3 Reasons Why We Need to Meet

(Either through a zoom video call or a meet-up)

You just want to look at the numbers… you got no time… you don’t want to meet strangers.

Perhaps you’re here because you were doing research online or came looking for more information when someone – friend or agent – told you about this.

So you may thinking, “just email the comparison and quotes to me!

As consumers ourselves, we understand the convenience of that.

But a mere comparison table will not help you make a concrete decision (one that you can set in stone).

Here are 3 reasons why there’s a need to meet:

1) Give Accurate Recommendations

understanding your situation

Can you be absolutely sure of what you want? Could there be something that you may have missed?

A wrong decision might lead to a lifetime of regrets.

If you go to a doctor and without asking you anything, the doctor gives you medicine for this, this and this.

Would you have full confidence in the solution? No.

And that’s why there’s a need to understand your situation first before we give a recommendation – we’re not in the business of pushing products.

2) Requirement of MAS

requirement of MAS

In the Financial Advisers Act, it is stated that in order for a recommendation to be made, information on the client has to be gathered first.

Any inaccurate or incomplete information may affect the suitability of the recommendation.

Over the years, MAS has imposed stricter regulations to ultimately protect Singaporeans (and that includes you).

It is there for a reason and that is to ensure that you don’t end up with an unsuitable plan.

3) Touch on Fine Prints

What’s the purpose of a comparison table?

It’s to present information in an organised and simple way, so that you can make a decision based on it.

But can you really make an informed decision from it?

If you can easily do that, there wouldn’t be a need for two-digit pages of policy documents (for just one plan).

There are fine prints and clauses that might make or break your decision.

And that’s why we meet to not only show you the comparisons but to go through any critical pointers that you must be aware of.

We don’t want to overpromise and underdeliver.

(As the shield plans are getting updated, we’re pausing the comparisons for now.)

What Singaporeans Are Saying (Reviews & Testimonials)

Facebook review 1
Facebook review 2
Facebook review 3

(As the shield plans are getting updated, we’re pausing the comparisons for now.)

We Compare 18 Insurance Companies to Find the Best Integrated Shield Plan for Your Needs

This Is Great if You:

  1. Don’t know which plan is the best
  2. Don’t wish to waste precious time and money going to individual companies for quotes
  3. Don’t wish to tear your hair out looking through product documents

Our Trusted Providers

  • AIA
  • Aviva
  • Friends Provident
  • China Life
  • Generali Worldwide
  • China Taiping
  • NTUC Income
  • Manulife
  • LIC
  • Old Mutual
  • Swiss Life
  • HSBC Life
  • AXA
  • Tokio Marine
  • Singlife
  • Transamerica
  • Etiqa
  • FWD

Frequently Asked Questions

What is an integrated shield plan in Singapore?

It is an insurance policy that is integrated with the compulsory national healthcare scheme, MediShield Life. It offers better coverage, and can be payable with your MediSave savings, subject to limits.

Is an integrated shield plan necessary?

Health insurance is perhaps the most fundamental type of insurance one should have. As medical bills can amount to hundreds of thousands, it is wise to have comprehensive medical coverage with an upgraded integrated shield plan.

Is this service free?

Yes, there’s no fee involved.

How long does the appointment take?

It typically takes around 45 minutes. However, it can be longer for more complex situations or if you have further questions.

Are there any obligations?

Depending on your situation, we may or may not recommend solutions. If we do, it’s entirely up to you to go ahead with it. As consumers ourselves, we dislike high-pressure tactics.

Should I bring my existing policies?

Yes! If you do have them, do bring them along (or a policy summary) as we can provide more accurate feedback.

How is this appointment conducted?

This can be done over a zoom video call or a meet-up.

(As the shield plans are getting updated, we’re pausing the comparisons for now.)