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Enhanced IncomeShield is available as a MediSave-approved Integrated Shield Plan for insured who is a Singapore Citizen or a Singapore Permanent Resident. This applies as long as the insured meets the eligibility conditions under MediShield Life.
- Standard premiums
FR: Foreigner. The above premium rates apply to policies...
- IncomeShield Foreigner Premium Rates
IncomeShield provides coverage for hospital and surgical...
- Standard premiums
FR: Foreigner. The above premium rates apply to policies starting from 1/1/2024. Premium rates are inclusive of 9% GST. Yearly premiums are based on the insured's age at next birthday, and will increase when the insured reaches the next age band. Premium rates are non-guaranteed and may be reviewed from time to time.
IncomeShield provides coverage for hospital and surgical expenses and can be paid for with your MediSave account.
- Do Foreigners Need Health Insurance in Singapore?
- What Health Insurance Plans Can Foreigners Choose from?
- Can Foreigners Buy Integrated Shield Plans?
- AIA Healthshield Gold Max For Foreigners
- Great Eastern Supremehealth For Foreigners
- Enhanced Incomeshield For Foreigners
- Pros of Buying An Integrated Shield Plan
- Cons of Buying An Integrated Shield Plan
- What Are The International Health Insurance Plans available?
- Local vs International Health Insurance in Singapore
After all, you’ve heard about how Singapore is safe, modern, cosmopolitan, and has a high standard of healthcare. You’ll be just fine. Why bother with health insurance? Well, that quality healthcare is also mighty expensive. In fact, locals often joke that it’s cheaper to die than fall ill in Singapore. First, you should understand Singapore’s heal...
Here are the 3 main types of health insurance plans foreigners in Singaporecan choose from. 1. Integrated Shield plans:These are plans from local insurance providers aimed at a local clientele. They are meant to be used together with MediShield Life, the basic national health insurance plan that Singaporeans are automatically enrolled in. While exp...
Integrated Shield plans are essential components of every Singaporean’s health insurance portfolio, and they cover mainly hospitalisation-related costs. But unbeknownst to many expats, insurance companies also sell Integrated Shield plans to foreigners. So yes, as an expat, you are eligible to buy an Integrated Shield plan so long as you have a val...
AIA HealthShield Gold Maxis an Integrated Shield plan we recommend for its highest-in-market medical coverage at a surprisingly low cost. Like all Integrated Shield plans, it comes in several tiers depending on whether you seek public or private healthcare. Foreigners should opt for the highest private healthcare tier, which is still relatively aff...
Great Eastern SupremeHealthis one of the cheapest Integrated Shield plans on the market, costing just $596 annually for a 35-year-old. However, its coverage isn’t as great as that of AIA: the yearly claim limit is only $1.5 million. To maximise your coverage, you should obtain a Certificate of Pre-authorisation from one of the healthcare providers ...
Enhanced IncomeShieldis more expensive, at $685 annually for a 35-year-old. One of the biggest advantages of this plan is that you enjoy unlimited claims in certain categories, including hospitalisation and surgery. However, it has shorter pre- and post-hospitalisation coverage compared to the other plans. As with the other Integrated Shield plans,...
Affordability:As Integrated Shield plans are meant to be used mainly in Singapore, their premiums also tend to be a whole lot cheaper than those of international health insurance. A 35-year-old expat can expect to pay around $600 to $700 annually for an Integrated Shield plan. You’ll have the option to add on a “rider” that covers your deductible a...
All in all, Integrated Shield plans are a great if you’re living long-term in Singapore and are looking for an affordable, cost-effective form of medical insurance. On the other hand, please note that there are some limitations. Hospitalisation coverage only: Integrated Shield plans also tend to be rather basic, covering bills arising from hospital...
If you divide your time between Singapore and another country, or require more comprehensive coverage for your family, then you may want to opt for international health insurance instead. However, do expect to pay significantly more than an Integrated Shield plan. Annual premiums range from about $2,000 to $4,000 for a no-frills international healt...
Here’s a summary of the key differences between the local (Integrated Shield) and international health insurance options that an expat has.
- Joanne Poh
Apr 1, 2024 · Download [Income] IncomeShield Standard Plan policy contract (As at 1 Apr 2023) * * This link will be updated from Sep 2024 to be aligned with the Standard IP benefits in the Comparison of Standard IPs (for Class B1 coverage) above
Oct 14, 2022 · Unlike most integrated shield plans, the NTUC Income Enhanced IncomeShield is available for Singaporeans, Singapore Permanent Residents, and foreigners with valid work pass. In this post, we reviewed the NTUC Income Enhanced IncomeShield plan. Keep reading.
There are the 3 main types of health insurance plans foreigners in Singapore can choose from. However, before making a decision, you have to consider what your policy covers you for, as some provide coverage for healthcare, travel and relocation, while others don’t.
