ISP Toolkit | Randall Teo

Hospital bill

Eligible inpatient bill for one hospital stay, after any government subsidy. MediShield Life's payout is already part of the Shield plan payout.

Plan type

Age next birthday

Deductibles rise at older ages (from ANB 81–86, depending on insurer).

Where is the client treated?

Private hospital · panelSpecialist on the insurer's panel / preferred provider list Private hospital · extended panelSpecialist outside the panel, pre-authorised by the insurer before admission Private hospital · non-panelSpecialist outside the panel, no pre-authorisation Restructured hospitalPublic hospital, Class A ward

Who pays what

Plan + rider paysClient pays (cash or MediSave*)Sorted from lowest to highest out-of-pocket

	Main plan + new rider	Split of the bill	Plan pays	Client pays	How the client's share is made up	Without rider

Client pays at each hospital type — same bill

● Lowest in each column. Highlighted column = the hospital type selected above.

How it's calculated

Pro-ration (Class A plans at a private hospital only): the plan only recognises a % of the bill — the rest is the client's.
Deductible: the client pays this first. New riders cannot pay the S$3,500 minimum (MOH rules from 1 Apr 2026).
Co-payment: with a rider the client pays 5% (Income: 5–10%) of the rest; without a rider, 10% co-insurance (GE P PRIME outside panel: 40%).
Stop-loss: the rider caps the co-payment at S$6,000 a year — only with panel, pre-authorised extended panel (where offered) or restructured hospitals.
Annual limit: anything above the plan's policy-year limit is the client's.

Assumptions

First claim in the policy year (deductible and stop-loss not yet used); one inpatient stay, all charges reasonable & customary and within sub-limits; Singapore Citizen.
Restructured hospital = Class A ward (S$3,500 deductible). Day surgery and lower wards have different deductibles.
GE P PRIME "panel" assumes a partnering hospital (Mount Alvernia, Farrer Park, Raffles, Thomson). Raffles Shield A pro-ration is 60% at other private hospitals (70% at Raffles Hospital).
† Not confirmed in insurer documents: GE, Singlife and HSBC have no stated pre-authorised extended-panel route, so extended panel is treated as non-panel; Singlife restructured hospitals are assumed to count as preferred providers.
Prudential Preferred Care: no rider cover with non-panel doctors or at 'No Access' hospitals (e.g. Mount Elizabeth, Gleneagles, Farrer Park, Parkway East).
* The client's share is normally paid in cash; MediSave can be used for part of it within withdrawal limits.
For illustration only — actual claims depend on each policy's terms, exclusions and the insurer's assessment.

Private hospital plans

Four tables: the main plan, the new April 2026 rider, cancer cover, and other benefits. Scroll sideways inside each table; tap the chips to hide insurers you are not comparing.

Every new rider works the same way at its core.

You pay the deductible (S$3,500 for most plans) plus a 5% co-payment. The stop-loss caps your co-payment at S$6,000 a year only with panel doctors, restructured hospitals or emergency care — non-panel treatment has no cap.

Biggest differences: panel rules and cancer drugs.

See table 2 Non-panel doctors and table 3 Cancer drugs NOT on MOH list — non-CDL cover ranges from S$5,000 to S$200,000+ a year. AIA, Raffles and Singlife need a paid cancer add-on for full cancer drug cover (Singlife's is the separate Cancer Cover Plus II plan).

Check the watch-outs.

GE P PRIME: S$5,000–6,000 deductible and 40% co-insurance outside partnering hospitals. PRU Preferred Care: no rider cover with non-panel doctors or at 'No Access' hospitals. Income Essential Care: 7% co-payment.

Where Prudential stands out — marked ★ in the tables

Best for valuePRUShield Premier + PRUExtra Preferred Care

Lowest lifetime premium of the new private plans — about S$236,000 cash from ANB 1 to 85. Standard S$3,500 deductible and 5% co-pay (S$6,000 stop-loss) at panel, and S$150,000/yr cancer drug cover with no add-on needed.

Best for enhanced coverPRUShield Premier + PRUExtra Premier Care

Full-access private cover with the widest extras — about S$347,500 cash from ANB 1 to 85. 5% co-pay with any specialist, full cancer cover built in, extra S$100k critical illness limit, TCM and retrenchment / TPD waivers.

Total cash outlay (main plan after MediSave + rider), standard rates as in the ISP Premium Calculator, summed ANB 1–85. Premiums are not guaranteed and will change.

Pre/post-hospital 180 / 365 days with any doctor — others need panel / preferred providers for this length.
Deductible stays at S$3,500 until age 85 (others raise it from age 80–82), and Premier Care pays 95% of any deductible above S$3,500.
Planned overseas treatment covered on the main plan (also AIA & Singlife; GE, Income, Raffles don't).
High-cost drugs for rare conditions (haemophilia, SMA, thalassaemia, etc.) with no waiting period — HSBC has a 365-day wait; AIA only from 1 Oct 2026; others none.
Full cancer cover with no add-on — S$150,000/yr non-CDL on both Premier Care and Preferred Care (AIA, Raffles and Singlife need a paid cancer add-on).
Retrenchment premium waiver on PRUExtra (12 months) — no other rider offers this. Premier Care also waives 36 months on TPD.
Premier Care extras: extra S$100k limit for critical illness, TCM S$6,000/yr, accident outpatient S$3,000, family stay S$80/day.

Show insurers

1Main plan

The Integrated Shield main plan on its own — one column per plan.

BenefitMain plan only	Prudential PRUShield Premier	AIA HealthShield Gold Max A	Great Eastern SupremeHealth P PLUS	Great Eastern SupremeHealth P PRIME	Singlife Singlife Shield Plan 1	Income Enhanced IncomeShield Preferred	HSBC Life HSBC Life Shield Plan A	Raffles Health Raffles Shield Private
Limits & what you pay
Hospital & ward coveredWhere the main plan pays in full (before deductible & co-insurance).	Private & restructured hospitals (all wards)	Private & restructured hospitals (all wards)	Private & restructured hospitals (all wards)	Restructured hospitals & 4 partnering private hospitals (Mount Alvernia, Farrer Park, Raffles, Thomson)	Private & restructured hospitals (all wards)	Private & restructured hospitals (all wards)	Private & restructured hospitals (all wards)	Private & restructured hospitals (all wards)
Annual claim limitThe most the plan pays in one policy year. No lifetime limit on any plan.	S$1.2M/yr · S$2M if all treatment by panel providers	S$1M/yr · S$2M at AIA Preferred Providers	S$1.5M/yr	S$1.5M/yr · S$2.5M at restructured or panel at partnering hospitals	S$1M/yr · S$2M via A&E or preferred providers	S$1.5M/yr	S$1M/yr · S$2.5M with panel specialists or restructured hospitals	S$600,000/yr · S$1.5M with panel / extended panel or restructured
DeductibleYou pay this first each policy year. Unsubsidised day-surgery deductible in brackets.	S$3,500 (S$2,000) 150% only after age 85 (others from 80–82)	S$3,500 (S$2,000) S$4,500 after age 82	S$3,500 (private day surgery S$3,500) 150% after age 80	S$5,000 panel at partnering hospital · S$6,000 otherwise · S$3,500 Class A 150% after age 80	S$3,500 (S$2,000) 150% after age 80	S$3,500 (S$3,500) S$5,250 after age 80	S$3,500 (S$3,000) 150% after age 80	S$3,500 (S$3,000) 150% from age 81
Co-insuranceYour share of the bill after the deductible if you have no rider.	10%	10%	10%	10% · 40% non-panel / non-partnering	10% (capped S$25,500/yr at A&E / preferred providers)	10%	10%	10%
Lower payout situationsWhen the plan pays only part of the bill (pro-ration) or applies stricter terms.	None	None	None	Higher deductible + 40% co-insurance outside partnering hospitals / panel	None	None	None	Lower annual limit (S$600k) and shorter pre/post if non-panel
Hospital stay
Pre- / post-hospital coverDays of related treatment covered before admission / after discharge.	180 / 365 days — any doctor, no panel condition	100 / 100 days · up to 13 months with AIA Preferred Providers	90 / 180 days · 180 / 365 at restructured or panel	90 / 180 days · 180 / 365 at restructured or panel	90 / 180 days · 180 / 365 via A&E or preferred providers	100 / 100 days · 180 / 365 with panel	90 / 180 days · 180 / 365 with panel or restructured	90 / 180 days · 180 / 365 with panel or restructured
Community hospitalRehabilitation or sub-acute care after a hospital stay.	As charged	As charged	Public: as charged · Private: sub-acute S$1,200/day, rehab S$1,000/day	Public: as charged · Private: sub-acute S$1,200/day, rehab S$1,000/day	As charged	As charged (up to 90 days per admission)	As charged (up to 45 days)	As charged (up to 45 days)
Psychiatric treatmentInpatient psychiatric cover.	S$8,000/yr (incl. pre & post)	S$5,000/yr (+S$5,000 post-hospital)	S$5,000/yr (incl. post)	S$5,000/yr (incl. post)	As charged up to 60 days (10-month wait) or S$500/day up to 35 days	S$20,000/yr	Up to S$5,000, 60 days (+S$5,000 post)	S$8,000/yr (incl. post up to 90 days)
Overseas & waiver
Emergency overseas treatmentPaid at the lower of the overseas bill or the Singapore equivalent.	As charged (lower of overseas bill or SG private hospital charges)	Covered (SG private hospital reasonable & customary charges)	Lower of overseas bill or SG private hospital charges	Lower of overseas bill or partnering private hospital charges	As charged (pegged to SG private hospital charges)	As charged (limited to SG private hospital costs)	As charged (SG private hospital reasonable & customary charges)	As charged (limited to panel charges, pro-rated)
Planned overseas treatmentGoing overseas on purpose for treatment.	Covered — lower of overseas bill or SG private hospital charges	Covered (pegged to SG private hospital charges)	—	—	Covered (pegged to SG private hospital charges)	—	— (Enhanced Care II rider: S$50,000/yr)	—
Premium waiver (main plan)Main-plan premiums waived if a stated event happens.	—	1 year's premium on TPD	—	—	—	—	—	Child's premium waived to age 21 if parent payor dies / TPD

2New rider (launched 1 Apr 2026)

What the new rider changes about what you pay, plus its extra benefits. Income offers two riders on the same plan.

BenefitNew 2026 rider	Prudential PRUExtra Premier CareNEW on PRUShield Premier	Prudential PRUExtra Preferred CareNEW on PRUShield Premier	AIA Max VitalHealth Pro ANEW on HealthShield Gold Max A	Great Eastern TotalCare 2 PNEW on SupremeHealth P PLUS	Great Eastern TotalCare 2 PRIMENEW on SupremeHealth P PRIME	Singlife Health Plus PrivateNEW on Singlife Shield Plan 1	Income Optima CareNEW on Enhanced IncomeShield Preferred	Income Essential CareNEW on Enhanced IncomeShield Preferred	HSBC Life Enhanced Care IINEW on HSBC Life Shield Plan A	Raffles Health Raffles Choice RiderNEW on Raffles Shield Private
What you still pay
Rider pays the deductible?MOH rules from 1 Apr 2026: new riders cannot pay the minimum deductible.	No for the first S$3,500 · pays 95% of any deductible above it (e.g. the higher deductible after age 85)	No (95% of any amount above S$3,500 at panel)	No — you pay the full deductible	No — you pay the full deductible	Pays the S$1,500 above S$3,500 — only panel at a partnering hospital	No — you pay the full deductible	No — you pay the full deductible	No — you pay the full deductible	No — you pay the full deductible	No — you pay the full deductible
Your co-paymentYour share of the bill after the deductible, with the rider.	5%	5% at panel / extended panel	5%	5%	5% at restructured or panel + partnering	5%	5% panel · 8% extended panel & others	7% panel · 10% extended panel & others	5%	5%
Stop-loss (co-payment cap)The most you pay in co-payment in a policy year — and when it applies.	S$6,000 — panel, pre-authorised extended panel, or emergency	S$6,000 — panel, pre-authorised extended panel, or emergency	S$6,000 — AIA Preferred Providers (incl. all public hospitals), pre-authorised, or A&E referral	S$6,000 — restructured hospitals, panel providers, or emergency	S$6,000 — restructured, panel at partnering hospital, or emergency	S$6,000 — A&E or preferred providers only	S$6,000 — panel & extended panel (all restructured hospitals count)	S$6,000 — panel & extended panel (all restructured hospitals count)	S$6,000 — panel specialists, restructured or community hospitals	S$6,000 — panel / extended panel specialists or restructured hospitals
Non-panel doctorsWhat happens if you see a specialist outside the insurer's panel.	5% co-pay, no cap	Rider pays nothing — you bear 10% co-insurance. No rider cover at 'No Access' hospitals (e.g. Mount Elizabeth, Gleneagles, Farrer Park)	5% co-pay, no cap unless pre-authorised	5% co-pay, no cap	Rider pays nothing — you bear S$6,000 deductible + 40% co-insurance	5% co-pay, no cap	8% co-pay, no cap	10% co-pay, no cap	5% co-pay, no cap	5% co-pay, no cap (also no cap on non-CDL cancer drugs)
Rider extras
TCM / alternative medicineTraditional Chinese Medicine treatment claimable under the rider.	S$6,000/yr	—	S$5,000/yr (alternative medicine incl. TCM)	S$6,000/yr	S$6,000/yr	S$50/visit, up to 180 days after an accident admission	—	—	S$6,500/yr	— (Cancer Guard add-on covers TCM for cancer treatment)
Other rider benefitsAdditional benefits from the new rider.	Extra S$100k limit for critical illness · accident outpatient S$3,000 · family stay S$80/day · ambulance S$250	Extra S$100k limit for critical illness · one-time health screening	+60 days post-hospital at AIA Partner Facilities · home nursing S$5,000/yr · home palliative S$45k lifetime · Emergency Care Pro add-on	Home health care S$10,000/yr · extended CTGT S$100k · accident outpatient S$2,000 · ambulance S$250	Home health care S$10,000/yr · extended CTGT S$100k · accident outpatient S$2,000	Recovery Support up to S$20,000 (needs CareShield/ElderShield) · critical illness S$10,000 · mental wellness S$1,000/yr	+80 post-hospital days for non-panel stays · child critical care S$50,000 · autism testing · non-listed CTGT S$150k	Non-listed CTGT S$150k · parent's extra bed S$80/day	Planned overseas S$50,000/yr · accident outpatient S$3,000 · family stay S$60/day · dementia outpatient S$500	Premier Rider add-on available for extra benefits
Premium waiver (rider)Rider premiums waived if a stated event happens.	12 months' premiums after 6 months' retrenchment · 36 months on TPD before 70	12 months' premiums after 6 months' retrenchment	—	—	—	—	—	—	—	Child's premium waived to age 21 if parent payor dies / TPD
DiscountsRider discounts available.	PRUWell Reward 20% (no claims)	—	Vitality coins (3%–10%)	10% first-year child discount	10% first-year child discount	No-claim discount 20%	15% Welcome Discount, first year (to 31 Mar 2027)	15% Welcome Discount, first year (to 31 Mar 2027)	SavvyClaim Reward 10%–20%	—

3Cancer cover

Main plan + rider together, including optional cancer add-ons.

BenefitMain plan + rider	Prudential PRUShield Premier + PRUExtra Premier CareNEW	Prudential PRUShield Premier + PRUExtra Preferred CareNEW	AIA HealthShield Gold Max A + Max VitalHealth Pro ANEW	Great Eastern SupremeHealth P PLUS + TotalCare 2 PNEW	Great Eastern SupremeHealth P PRIME + TotalCare 2 PRIMENEW	Singlife Singlife Shield Plan 1 + Health Plus PrivateNEW	Income Enhanced IncomeShield Preferred + Optima CareNEW	Income Enhanced IncomeShield Preferred + Essential CareNEW	HSBC Life HSBC Life Shield Plan A + Enhanced Care IINEW	Raffles Health Raffles Shield Private + Raffles Choice RiderNEW
At a glance
Cancer cover included without buying an add-on?Some insurers need a separate cancer add-on (extra premium) for drugs not on MOH's list.	Yes — included in the rider	Yes — included in the rider	No — add-on needed. Pro A covers only 5× MSHL for CDL drugs; non-CDL drugs need Cancer Care Pro	Yes — included in the rider	Yes — included in the rider	Partly — add-on needed for full cover. Rider covers CDL & non-CDL drugs up to S$10,000/month; full cover needs Cancer Cover Plus II (separate standalone plan, extra premium)	Yes — included in the rider	Yes — included in the rider (20% co-pay on non-CDL)	Yes — included in the rider	No — add-on needed. Choice Rider covers non-CDL drugs up to S$5,000/yr only; full cover needs Cancer Guard
Outpatient cancer drugs
Cancer drugs on MOH list (CDL)MSHL = MediShield Life claim limit for that drug. '5×' = five times that limit.	Plan 5× + rider 15× = 20× MSHL/month	Plan 5× + rider 15× = 20× MSHL/month	Plan 5× MSHL/month · 16× only with Cancer Care Pro add-on	Plan 5× + rider 15× = 20× MSHL/month	Plan 5× + rider 15× = 20× MSHL/month	Rider: S$10,000/month (plan 5× MSHL)	Plan 5× + rider 18× = 23× MSHL/month	Plan 5× + rider 18× = 23× MSHL/month	Plan 5× + rider 18× = 23× MSHL/month	Plan 5× MSHL/month · 23× only with Cancer Guard add-on (+18×)
Cancer drug servicesConsultations, scans, lab tests and supportive drugs that go with cancer drug treatment.	Plan 5× MSHL/yr (S$18,000)	Plan 5× MSHL/yr (S$18,000)	Plan 5× MSHL/yr · 10× only with Cancer Care Pro add-on	Plan 5× + rider 15× MSHL/yr	Plan 5× + rider 15× MSHL/yr	Plan 5× MSHL/yr (S$18,000)	S$18,000/yr (fixed from 1 Oct 2026)	S$18,000/yr (fixed from 1 Oct 2026)	Plan 5× + rider 15× MSHL/yr	Plan 5× MSHL/yr · 20× only with Cancer Guard add-on (+15×)
Cancer drugs NOT on MOH listNewer / off-list drugs (non-CDL). Main plans don't cover these; only riders or add-ons do.	S$150,000/yr (classes A–E)	S$150,000/yr (classes A–E)	Not covered without add-on · S$200,000/yr with Cancer Care Pro	S$200,000/yr (classes A–E) + S$10k cancer support	S$200,000/yr (classes A–E) + S$10k cancer support	S$10,000/month	S$15,000/month (10% co-pay)	S$15,000/month (20% co-pay)	S$30,000/month (classes A–E)	Choice Rider: S$5,000/yr only · +S$250,000/yr with Cancer Guard (5% co-pay, no stop-loss cap)
Advanced treatment & add-ons
Proton beam · cell & gene therapy (CTGT)Main-plan limits for advanced cancer treatments.	Proton S$100,000/yr · CTGT S$250,000	Proton S$100,000/yr · CTGT S$250,000	Proton S$100,000/yr · CTGT S$250,000	Proton S$80,000/yr · CTGT S$200,000	Proton S$80,000/yr · CTGT S$200,000	Proton S$70,000/yr · CTGT S$150,000	Proton S$100,000/yr · CTGT S$250,000	Proton S$100,000/yr · CTGT S$250,000	Proton S$100,000/yr · CTGT S$250,000	Proton S$75,000/yr · CTGT S$191,000
Optional cancer add-onExtra cancer cover you can buy on top.	—	—	Cancer Care Pro (extra premium) — needed for non-CDL drugs and CDL above 5×	—	—	Not part of Shield or Health Plus. Cancer Cover Plus II is a separate standalone plan with its own premium (up to S$1.5M/yr, CDL & non-CDL)	—	—	—	Cancer Guard (extra premium; entry up to age 60) — needed for meaningful cancer drug cover; adds TCM for cancer at Raffles clinics S$100,000/yr & counselling S$1,000/yr

4Other benefits

Transplants, specialised treatments, rare-condition drugs and family benefits — main plan.

BenefitMain plan only	Prudential PRUShield Premier	AIA HealthShield Gold Max A	Great Eastern SupremeHealth P PLUS	Great Eastern SupremeHealth P PRIME	Singlife Singlife Shield Plan 1	Income Enhanced IncomeShield Preferred	HSBC Life HSBC Life Shield Plan A	Raffles Health Raffles Shield Private
Transplants & long-term treatment
Major organ transplantKidney, liver, heart, lung, cornea, bone marrow etc.	As charged (selected organs)	As charged	As charged	As charged	As charged (selected organs)	As charged	As charged (selected organs)	As charged
Living organ donorYou donate an organ (24-month wait) · someone donates an organ to you.	You donate: S$60,000/yr Donor to you: S$60,000/yr	You donate: S$60,000 Donor to you: S$60,000	You donate: S$60,000 Donor to you: S$60,000	You donate: S$60,000 Donor to you: S$60,000	You donate: S$50,000 lifetime Donor to you: —	S$60,000/transplant	You donate: S$60,000 Donor to you: S$60,000	You donate: S$60,000 Donor to you: S$60,000
Autologous bone marrow transplant (multiple myeloma)Continuation of stem-cell transplant treatment.	S$25,000/yr	As charged	S$30,000/yr	S$30,000/yr	As charged	S$25,000/yr	As charged	S$14,040/treatment
Kidney dialysis · immunosuppressants · EPOOutpatient dialysis, anti-rejection drugs after transplant, erythropoietin for kidney failure.	As charged	As charged	As charged	As charged	As charged	As charged	As charged	As charged
Long-term parenteral nutritionFeeding through a vein for patients who cannot eat.	As charged	As charged	As charged	As charged	As charged	As charged	As charged	S$3,980/month
Inpatient palliative careEnd-of-life care in hospital.	As charged	As charged	As charged	As charged	As charged	As charged	As charged	S$560/day general · S$760/day specialised
Specialised treatments
Hyperbaric oxygen therapyOxygen chamber treatment, e.g. for non-healing wounds.	S$1,560/session	S$780/session	S$1,560/session	S$1,560/session	—	S$1,560/session (public hospital only)	S$1,560/session	S$1,560/session
Negative pressure wound therapyVacuum dressing for complex wounds.	S$240/day	S$120/day	S$240/day	S$240/day	—	S$240/day (public hospital only)	S$240/day	S$240/day
Home ventilation & respiratory supportBreathing support at home.	S$1,680/month	S$1,680/month	S$1,680/month	S$1,680/month	—	S$1,680/month (public hospital only)	S$1,680/month	S$1,680/month
Paediatric home careHome care for children with serious conditions.	S$840/month	—	S$840/month	S$840/month	—	S$840/month (public hospital only)	S$840/month	S$840/month
Pasteurised donated human milkFor premature / at-risk newborns.	S$170/day	S$85/day	S$170/day	S$170/day	—	S$170/day (public hospital only)	S$170/day	S$170/day
Repetitive transcranial magnetic stimulation (rTMS)Brain stimulation treatment, mainly for depression.	S$240/session	S$240/session	S$240/session	S$240/session	—	S$240/session (public hospital only)	S$240/session	S$240/session
Outpatient IV antibiotic therapy (OPAT)IV antibiotics given at home or as an outpatient.	S$180/day	S$180/day	S$180/day	S$180/day	—	S$180/day (public hospital only)	S$180/day	S$180/day
High-cost drugs for rare conditions (non-cancer)
Haemophilia ADrug treatment & prophylaxis, per month.	S$2,800/month	S$2,800/month new from 1 Oct 2026†	—	—	—	—	S$2,800/month after 365-day wait	—
Haemophilia BDrug treatment & prophylaxis, per month.	S$9,600/month	S$9,600/month new from 1 Oct 2026†	—	—	—	—	S$9,600/month after 365-day wait	—
Immune thrombocytopenia · aplastic anaemiaPer month.	S$3,600/month	S$3,600/month new from 1 Oct 2026†	—	—	—	—	S$3,600/month after 365-day wait	—
ThalassaemiaPer month.	S$1,600/month	S$1,600/month new from 1 Oct 2026†	—	—	—	—	S$1,600/month after 365-day wait	—
Short stature (growth failure, children)Per month.	S$1,600/month	S$1,600/month new from 1 Oct 2026†	—	—	—	—	S$1,600/month after 365-day wait	—
Spinal muscular atrophy (SMA)Per month.	S$14,800/month	S$14,800/month new from 1 Oct 2026†	—	—	—	—	S$14,800/month after 365-day wait	—
Fabry diseasePer month.	S$8,800/month	S$8,800/month new from 1 Oct 2026†	—	—	—	—	S$8,800/month after 365-day wait	—
X-linked hypophosphataemiaPer month.	S$13,600/month	S$13,600/month new from 1 Oct 2026†	—	—	—	—	S$13,600/month after 365-day wait	—
Family & other benefits
Pregnancy & delivery complicationsSelected conditions; 10-month (300-day) waiting period.	As charged	As charged	As charged	As charged	As charged	As charged	As charged	As charged
Congenital abnormalities — insuredConditions the insured was born with.	As charged	As charged	As charged	As charged	As charged (12-month wait)	As charged (12-month wait)	As charged (365-day wait)	As charged (24-month wait)
Congenital abnormalities — insured's childCover for the insured's newborn biological child.	S$20,000 lifetime, S$5,000/child (insured mothers, 10-month wait)	S$20,000 lifetime, S$5,000/child (insured mothers, 10-month wait)	S$20,000 lifetime, S$5,000/child (300-day wait)	S$20,000 lifetime, S$5,000/child (300-day wait)	—	—	—	S$30,000 lifetime, S$5,000/child (insured mothers, 10-month wait)
Free newborn coverCover for a newborn child of the insured.	—	—	—	—	S$50,000/yr	—	—	—
ProsthesisArtificial limbs etc.	—	—	—	—	—	S$10,000/yr	—	—
Extra limit for critical illnessAdditional annual limit on top of the plan limit.	— (Premier Care rider adds S$100k)	+S$100,000/yr limit (30 critical illnesses)	—	—	+S$150,000/yr limit (5 critical illnesses)	—	—	—
Final expense benefitPaid on death of the insured.	S$5,000	S$5,000	S$7,000	S$7,000	S$10,000	S$5,000	—	S$5,000

★ = stands out vs. other plansRed text = watch-out / higher cost to you† = not fully confirmed (see notes)Grey rows are the same for every plan

Restructured hospital plans · Class A ward

Main plans covering up to Class A wards in restructured (public) hospitals, with their new April 2026 riders.

Every new rider works the same way at its core.

You pay the deductible (S$3,500) plus a 5% co-payment. The stop-loss caps it at S$6,000 a year at panel providers, restructured hospitals or emergency — no cap otherwise.

Going private on a Class A plan is costly.

Bills are pro-rated — the plan pays only 35% to 70% of a private hospital bill depending on the insurer (table 1, Lower payout situations).

Cancer cover varies widely.

Non-CDL drug cover ranges from S$5,000 (Raffles Choice) to S$150,000/yr (PRU, GE). AIA Pro B builds cancer cover in. Raffles and Singlife need a paid cancer add-on for full cover (Raffles Cancer Guard; Singlife's separate Cancer Cover Plus II plan).

Where Prudential stands out — marked ★ in the tables

Pre/post-hospital 180 / 365 days with any doctor — others need panel / preferred providers for this length.
Deductible stays at S$3,500 until age 85 (others raise it from age 80–82), and Plus Care pays 95% of any deductible above S$3,500.
Planned overseas treatment covered on the main plan (also AIA & Singlife; GE, Income, Raffles don't).
High-cost drugs for rare conditions (haemophilia, SMA, thalassaemia, etc.) with no waiting period — HSBC has a 365-day wait; AIA only from 1 Oct 2026; others none.
Full cancer cover with no add-on — 20× MSHL for CDL drugs and S$150,000/yr for non-CDL drugs (Raffles and Singlife need a paid add-on).
Plus Care extras: extra S$50k limit for critical illness, TCM S$3,000/yr, accident outpatient S$2,000.

Show insurers

1Main plan

The Integrated Shield main plan on its own — one column per plan.

BenefitMain plan only	Prudential PRUShield Plus	AIA HealthShield Gold Max B	Great Eastern SupremeHealth A PLUS	Singlife Singlife Shield Plan 2	Income Enhanced IncomeShield Advantage	HSBC Life HSBC Life Shield Plan B	Raffles Health Raffles Shield A
Limits & what you pay
Hospital & ward coveredWhere the main plan pays in full (before deductible & co-insurance).	Restructured hospitals, up to Class A ward	Restructured hospitals, up to Class A ward	Restructured hospitals, up to Class A ward	Restructured hospitals, up to Class A ward	Restructured hospitals, up to Class A ward	Restructured hospitals, up to Class A ward	Restructured hospitals, up to Class A ward
Annual claim limitThe most the plan pays in one policy year. No lifetime limit on any plan.	S$1M/yr	S$1M/yr · S$1.2M at AIA Preferred Providers	S$1.2M/yr	S$1.2M/yr	S$1M/yr	S$1M/yr	S$600,000/yr
DeductibleYou pay this first each policy year. Unsubsidised day-surgery deductible in brackets.	S$3,500 (S$2,000) 150% only after age 85 (others from 80–82)	S$3,500 (S$2,000) S$4,500 after age 82	S$3,500 (S$2,500) 150% after age 80	S$3,500 (S$2,000) 150% after age 80	S$3,500 (S$3,500) S$5,250 after age 80	S$3,500 (S$3,000) 150% after age 80	S$3,500 (S$3,000) 150% from age 81
Co-insuranceYour share of the bill after the deductible if you have no rider.	10%	10%	10%	10% (capped S$25,500/yr at A&E / preferred providers)	10%	10%	10%
Lower payout situationsWhen the plan pays only part of the bill (pro-ration) or applies stricter terms.	Private hospital & clinics paid at 65%	Private hospital & clinics paid at 70%	Private hospital & clinics paid at 35%	Private hospital, clinics & overseas paid at 50%	Private hospital 50% · day surgery 55% · clinics 45%	Private hospital & clinics paid at 50%	Raffles Hospital 70% · other private hospitals 60%
Hospital stay
Pre- / post-hospital coverDays of related treatment covered before admission / after discharge.	180 / 365 days — any doctor, no panel condition	12 months in public hospital · 100 days in private	90 / 180 days · 180 / 365 at restructured or panel	90 / 180 days · 180 / 365 via A&E or preferred providers	100 / 100 days	90 / 180 days · 180 / 365 with panel or restructured	90 / 180 days · 180 / 365 with panel or restructured
Community hospitalRehabilitation or sub-acute care after a hospital stay.	As charged	As charged	Public: as charged · Private: sub-acute S$1,200/day, rehab S$1,000/day	As charged	As charged (up to 90 days per admission)	As charged (up to 45 days)	As charged (up to 45 days)
Psychiatric treatmentInpatient psychiatric cover.	S$7,000/yr (incl. pre & post)	S$4,000/yr (+S$2,500 post-hospital)	S$5,000/yr (incl. post)	As charged up to 45 days (10-month wait) or S$500/day up to 35 days	S$10,000/yr	Up to S$4,000, 60 days (+S$2,500 post)	S$6,000/yr (incl. post up to 90 days)
Overseas & waiver
Emergency overseas treatmentPaid at the lower of the overseas bill or the Singapore equivalent.	As charged (lower of overseas bill or SG restructured hospital charges)	Covered (pegged to SG restructured hospital charges)	Lower of overseas bill or SG Class A restructured charges	As charged (pegged to SG restructured hospital charges)	As charged (limited to SG Class A restructured costs)	As charged (SG restructured hospital reasonable & customary charges)	As charged (limited to SG restructured Class A ward charges)
Planned overseas treatmentGoing overseas on purpose for treatment.	Covered — lower of overseas bill or SG restructured hospital charges	Covered (pegged to SG restructured hospital charges)	—	Covered (pegged to SG restructured hospital charges)	—	— (Enhanced Care II rider: S$25,000/yr)	—
Premium waiver (main plan)Main-plan premiums waived if a stated event happens.	—	1 year's premium on TPD	—	—	—	—	Child's premium waived to age 21 if parent payor dies / TPD

2New rider (launched 1 Apr 2026)

What the new rider changes about what you pay, plus its extra benefits. Income offers two riders on the same plan.

BenefitNew 2026 rider	Prudential PRUExtra Plus CareNEW on PRUShield Plus	AIA Max VitalHealth Pro BNEW on HealthShield Gold Max B	Great Eastern TotalCare 2 ANEW on SupremeHealth A PLUS	Singlife Health Plus PublicNEW on Singlife Shield Plan 2	Income Optima CareNEW on Enhanced IncomeShield Advantage	Income Essential CareNEW on Enhanced IncomeShield Advantage	HSBC Life Enhanced Care IINEW on HSBC Life Shield Plan B	Raffles Health Raffles Choice RiderNEW on Raffles Shield A
What you still pay
Rider pays the deductible?MOH rules from 1 Apr 2026: new riders cannot pay the minimum deductible.	No for the first S$3,500 · pays 95% of any deductible above it (e.g. after age 85)	No — you pay the full deductible	No — you pay the full deductible	No — you pay the full deductible	No — you pay the full deductible	No — you pay the full deductible	No — you pay the full deductible	No — you pay the full deductible
Your co-paymentYour share of the bill after the deductible, with the rider.	5%	5%	5%	5%	5% panel · 8% extended panel & others	7% panel · 10% extended panel & others	5%	5%
Stop-loss (co-payment cap)The most you pay in co-payment in a policy year — and when it applies.	S$6,000 — panel (incl. all restructured), pre-authorised extended panel, or emergency	S$6,000 — AIA Preferred Providers (incl. all public hospitals), pre-authorised, or A&E referral	S$6,000 — restructured hospitals, panel providers, or emergency	S$6,000 — A&E or preferred providers only	S$6,000 — panel & extended panel (all restructured hospitals count)	S$6,000 — panel & extended panel (all restructured hospitals count)	S$6,000 — panel specialists, restructured or community hospitals	S$6,000 — panel / extended panel specialists or restructured hospitals
Non-panel doctorsWhat happens if you see a specialist outside the insurer's panel.	5% co-pay, no cap	5% co-pay, no cap unless pre-authorised	5% co-pay, no cap	5% co-pay, no cap	8% co-pay, no cap	10% co-pay, no cap	5% co-pay, no cap	5% co-pay, no cap (also no cap on non-CDL cancer drugs)
Rider extras
TCM / alternative medicineTraditional Chinese Medicine treatment claimable under the rider.	S$3,000/yr	S$3,000/yr	S$4,000/yr	S$50/visit, up to 180 days after an accident admission	—	—	S$3,500/yr	— (Cancer Guard add-on covers TCM for cancer treatment)
Other rider benefitsAdditional benefits from the new rider.	Extra S$50k limit for critical illness · accident outpatient S$2,000 · family stay S$60/day	Home nursing S$3,000/yr · home palliative S$30k lifetime · family stay S$70/day · accident A&E S$1,000	Home health care S$6,000/yr · extended CTGT S$50k · accident outpatient S$1,000	Recovery Support up to S$20,000 (needs CareShield/ElderShield) · critical illness S$10,000 · mental wellness S$1,000/yr	+80 pre-hospital days for panel stays · child critical care S$30,000 · autism testing · non-listed CTGT S$150k	Non-listed CTGT S$150k · parent's extra bed S$80/day	Planned overseas S$25,000/yr · accident outpatient S$1,500 · family stay S$30/day	Premier Rider add-on available for extra benefits
Premium waiver (rider)Rider premiums waived if a stated event happens.	—	—	—	—	—	—	—	Child's premium waived to age 21 if parent payor dies / TPD
DiscountsRider discounts available.	—	Vitality coins (3%–10%)	10% first-year child discount	No-claim discount 20%	15% Welcome Discount, first year (to 31 Mar 2027)	15% Welcome Discount, first year (to 31 Mar 2027)	—	—

3Cancer cover

Main plan + rider together, including optional cancer add-ons.

BenefitMain plan + rider	Prudential PRUShield Plus + PRUExtra Plus CareNEW	AIA HealthShield Gold Max B + Max VitalHealth Pro BNEW	Great Eastern SupremeHealth A PLUS + TotalCare 2 ANEW	Singlife Singlife Shield Plan 2 + Health Plus PublicNEW	Income Enhanced IncomeShield Advantage + Optima CareNEW	Income Enhanced IncomeShield Advantage + Essential CareNEW	HSBC Life HSBC Life Shield Plan B + Enhanced Care IINEW	Raffles Health Raffles Shield A + Raffles Choice RiderNEW
At a glance
Cancer cover included without buying an add-on?Some insurers need a separate cancer add-on (extra premium) for drugs not on MOH's list.	Yes — included in the rider	Yes — built into Pro B	Yes — included in the rider	Partly — add-on needed for full cover. Rider covers up to S$15,000/month; full cover needs Cancer Cover Plus II (separate standalone plan, extra premium)	Yes — included in the rider	Yes — included in the rider (20% co-pay on non-CDL)	Yes — included in the rider (non-CDL S$5,000/month)	No — add-on needed. Choice Rider covers non-CDL drugs up to S$5,000/yr only; full cover needs Cancer Guard
Outpatient cancer drugs
Cancer drugs on MOH list (CDL)MSHL = MediShield Life claim limit for that drug. '5×' = five times that limit.	Plan 5× + rider 15× = 20× MSHL/month	Rider: 16× MSHL/month (built in)	Plan 5× + rider 15× = 20× MSHL/month	Rider: 15× MSHL/month	Plan 3× + rider 18× MSHL/month	Plan 3× + rider 18× MSHL/month	Plan 5× MSHL/month (no rider top-up stated†)	Plan 5× MSHL/month · 17× only with Cancer Guard add-on (+12×)
Cancer drug servicesConsultations, scans, lab tests and supportive drugs that go with cancer drug treatment.	Plan 5× MSHL/yr (S$18,000)	Rider: 10× MSHL/yr	Plan 5× + rider 15× MSHL/yr	Plan 5× MSHL/yr (S$18,000)	S$10,800/yr (3× MSHL, fixed from 1 Oct 2026)	S$10,800/yr (3× MSHL, fixed from 1 Oct 2026)	Plan 5× MSHL/yr (S$18,000)	Plan 5× MSHL/yr · 17× only with Cancer Guard add-on (+12×)
Cancer drugs NOT on MOH listNewer / off-list drugs (non-CDL). Main plans don't cover these; only riders or add-ons do.	S$150,000/yr (classes A–E)	S$100,000/yr (built in)	S$150,000/yr + S$6k cancer support	S$15,000/month	S$7,000/month (10% co-pay)	S$7,000/month (20% co-pay)	S$5,000/month (classes A–E)	Choice Rider: S$5,000/yr only · +S$200,000/yr with Cancer Guard (5% co-pay, no stop-loss cap)
Advanced treatment & add-ons
Proton beam · cell & gene therapy (CTGT)Main-plan limits for advanced cancer treatments.	Proton S$100,000/yr · CTGT S$250,000	Proton S$100,000/yr · CTGT S$250,000	Proton S$80,000/yr · CTGT S$200,000	Proton S$70,000/yr · CTGT S$150,000	Proton S$100,000/yr · CTGT S$250,000†	Proton S$100,000/yr · CTGT S$250,000†	Proton up to S$100,000/yr · CTGT S$250,000	Proton S$75,000/yr · CTGT S$191,000
Optional cancer add-onExtra cancer cover you can buy on top.	—	Not needed — cancer cover is built into Pro B	—	Not part of Shield or Health Plus. Cancer Cover Plus II is a separate standalone plan with its own premium (up to S$1.5M/yr, CDL & non-CDL)	—	—	—	Cancer Guard (extra premium; entry up to age 60) — needed for meaningful cancer drug cover; adds TCM for cancer at Raffles clinics S$80,000/yr & counselling S$1,000/yr

4Other benefits

Transplants, specialised treatments, rare-condition drugs and family benefits — main plan.

BenefitMain plan only	Prudential PRUShield Plus	AIA HealthShield Gold Max B	Great Eastern SupremeHealth A PLUS	Singlife Singlife Shield Plan 2	Income Enhanced IncomeShield Advantage	HSBC Life HSBC Life Shield Plan B	Raffles Health Raffles Shield A
Transplants & long-term treatment
Major organ transplantKidney, liver, heart, lung, cornea, bone marrow etc.	As charged (selected organs)	As charged	As charged	As charged (selected organs)	As charged	As charged (selected organs)	As charged
Living organ donorYou donate an organ (24-month wait) · someone donates an organ to you.	You donate: S$40,000/yr Donor to you: S$40,000/yr	You donate: S$40,000 Donor to you: S$40,000	You donate: S$60,000 Donor to you: S$60,000	You donate: S$30,000 lifetime Donor to you: —	You donate: S$40,000 Donor to you: —	You donate: S$40,000 Donor to you: S$40,000	You donate: S$40,000 Donor to you: S$40,000
Autologous bone marrow transplant (multiple myeloma)Continuation of stem-cell transplant treatment.	S$25,000/yr	As charged	S$30,000/yr	As charged	S$25,000/yr	As charged	S$14,040/treatment
Kidney dialysis · immunosuppressants · EPOOutpatient dialysis, anti-rejection drugs after transplant, erythropoietin for kidney failure.	As charged	As charged at restructured hospitals · private: dialysis up to S$36,000/yr, immunosuppressants & EPO S$7,200/yr before pro-ration	As charged	As charged	As charged (no pro-ration for dialysis at preferred partners)	As charged	As charged
Long-term parenteral nutritionFeeding through a vein for patients who cannot eat.	As charged	As charged	As charged	As charged	As charged	As charged	S$3,980/month
Inpatient palliative careEnd-of-life care in hospital.	As charged	As charged	As charged	As charged	As charged	As charged	S$560/day general · S$760/day specialised
Specialised treatments
Hyperbaric oxygen therapyOxygen chamber treatment, e.g. for non-healing wounds.	S$1,560/session	S$780/session	S$1,560/session	—	S$1,560/session (public hospital only)	S$1,560/session	S$1,560/session
Negative pressure wound therapyVacuum dressing for complex wounds.	S$240/day	S$120/day	S$240/day	—	S$240/day (public hospital only)	S$240/day	S$240/day
Home ventilation & respiratory supportBreathing support at home.	S$1,680/month	S$1,680/month	S$1,680/month	—	S$1,680/month (public hospital only)	S$1,680/month	S$1,680/month
Paediatric home careHome care for children with serious conditions.	S$840/month	—	S$840/month	—	S$840/month (public hospital only)	S$840/month	S$840/month
Pasteurised donated human milkFor premature / at-risk newborns.	S$170/day	S$85/day	S$170/day	—	S$170/day (public hospital only)	S$170/day	S$170/day
Repetitive transcranial magnetic stimulation (rTMS)Brain stimulation treatment, mainly for depression.	S$240/session	S$240/session	S$240/session	—	S$240/session (public hospital only)	S$240/session	S$240/session
Outpatient IV antibiotic therapy (OPAT)IV antibiotics given at home or as an outpatient.	S$180/day	S$180/day	S$180/day	—	S$180/day (public hospital only)	S$180/day	S$180/day
High-cost drugs for rare conditions (non-cancer)
Haemophilia ADrug treatment & prophylaxis, per month.	S$2,800/month	S$2,800/month new from 1 Oct 2026†	—	—	—	S$2,800/month after 365-day wait	—
Haemophilia BDrug treatment & prophylaxis, per month.	S$9,600/month	S$9,600/month new from 1 Oct 2026†	—	—	—	S$9,600/month after 365-day wait	—
Immune thrombocytopenia · aplastic anaemiaPer month.	S$3,600/month	S$3,600/month new from 1 Oct 2026†	—	—	—	S$3,600/month after 365-day wait	—
ThalassaemiaPer month.	S$1,600/month	S$1,600/month new from 1 Oct 2026†	—	—	—	S$1,600/month after 365-day wait	—
Short stature (growth failure, children)Per month.	S$1,600/month	S$1,600/month new from 1 Oct 2026†	—	—	—	S$1,600/month after 365-day wait	—
Spinal muscular atrophy (SMA)Per month.	S$14,800/month	S$14,800/month new from 1 Oct 2026†	—	—	—	S$14,800/month after 365-day wait	—
Fabry diseasePer month.	S$8,800/month	S$8,800/month new from 1 Oct 2026†	—	—	—	S$8,800/month after 365-day wait	—
X-linked hypophosphataemiaPer month.	S$13,600/month	S$13,600/month new from 1 Oct 2026†	—	—	—	S$13,600/month after 365-day wait	—
Family & other benefits
Pregnancy & delivery complicationsSelected conditions; 10-month (300-day) waiting period.	As charged	As charged	As charged	As charged	As charged	As charged	As charged
Congenital abnormalities — insuredConditions the insured was born with.	As charged	As charged	As charged	As charged (12-month wait)	As charged (12-month wait)	As charged (365-day wait)	As charged (24-month wait)
Congenital abnormalities — insured's childCover for the insured's newborn biological child.	S$16,000 lifetime, S$4,000/child (insured mothers, 10-month wait)	S$16,000 lifetime, S$4,000/child (insured mothers, 10-month wait)	S$20,000 lifetime, S$5,000/child (300-day wait)	—	—	—	S$20,000 lifetime, S$4,000/child (insured mothers, 10-month wait)
ProsthesisArtificial limbs etc.	—	—	—	—	S$6,000/yr	—	—
Extra limit for critical illnessAdditional annual limit on top of the plan limit.	— (Plus Care rider adds S$50k)	+S$75,000/yr limit (30 critical illnesses)	—	+S$100,000/yr limit (5 critical illnesses)	—	—	—
Final expense benefitPaid on death of the insured.	S$3,000	S$3,500	S$7,000	S$10,000	S$5,000	—	S$4,000

★ = stands out vs. other plansRed text = watch-out / higher cost to you† = not fully confirmed (see notes)Grey rows are the same for every plan

How to read this

DeductibleThe amount you pay first each policy year before the plan pays.

Co-insurance / co-paymentYour % share of the bill after the deductible. Main plans: 10%. New riders bring it down to about 5%.

Panel / preferred providerSpecialists and hospitals approved by the insurer. Using them unlocks higher limits and the S$6,000 cap.

Pro-rationIf you go to a higher-class hospital than your plan covers, the plan pays only a % of the bill.

CDL · MSHLCDL = MOH's Cancer Drug List. MSHL = MediShield Life claim limit; '5×' means five times that limit.

CTGTCell, Tissue and Gene Therapy, e.g. CAR-T cancer treatments.

Stop-loss (co-payment cap)The most you pay in co-payment in a year. Only applies when you use panel doctors, restructured hospitals or emergency care.

Notes

Main-plan figures (tables 1 & 4, and main-plan cancer limits in table 3) are from MOH's Comparison of Integrated Shield Plans, updated 1 Jun 2026, read alongside insurer brochures. Day-surgery deductibles are for unsubsidised day surgery.
Rider figures (tables 2 & 3) are from insurer product summaries, brochures, benefit schedules and FAQs (April–October 2026). Income's 1 Oct 2026 changes are included (fixed cancer drug services limit; Advantage cancer drugs at 3× MSHL; new S$500 outpatient deductible counting toward the annual deductible).
Prudential planned overseas treatment: MOH lists one merged entry for emergency and planned overseas treatment, paying the lower of the overseas bill or Singapore private (Premier) / restructured (Plus) hospital charges.
AIA HealthShield Gold Max adds a High-cost Drug Treatments benefit from 1 Oct 2026 (after the MOH Jun 2026 table). AIA's FAQ confirms the haemophilia and SMA limits; the other limits are assumed to follow the same MediShield Life schedule (†).
† Not fully confirmed in official sources: Income Advantage CTGT limit (S$150k–S$250k across sources); HSBC Enhanced Care II Plan B CDL top-up; AIA high-cost drug limits other than haemophilia & SMA.
This is a summary for comparison only. Benefits are subject to each insurer's policy terms, exclusions and waiting periods. Please refer to the policy contract and product summary before advising.

Sources

Select Your Combination

Company

Main Plan

Rider

From Age (ANB)

To Age (ANB)

Include MediSave outlay

✦

Select a combination above

Choose insurer, main plan, and rider to reveal the premium breakdown