Integrated Shield Plan Calculator
MediShield Life + IP top-up by age band and ward type. 30-year cumulative projection. Uses MOH benchmarks across all five SG insurers.
Uses MOH-published benchmark premiums across AIA, Great Eastern, Prudential, Income, and Singlife — individual insurer quotes vary ±15%. Last verified 2026-04-24.
Annual premium at age 35
S$970
A ward — restructured hospital
MediShield Life
S$390
IP top-up
S$580
MediSave covers
S$600
Cash outlay
S$370
30-year cumulative
Premiums rise sharply in your 60s and 70s — projection assumes no plan changes, rider add-ons, or smoker-load reversal.
Disclaimer
This calculator provides estimates and should not be viewed as a medical assessment. It is not intended to be your sole source of health guidance — please consult a qualified healthcare professional for advice on weight, diet, or fitness.
Rates last verified: 24 Apr 2026.
Verify with HPB (https://www.hpb.gov.sg). Full disclaimer at smartcalculator.sg/disclaimer.
How this calculator works
Every Singapore Citizen and PR is automatically covered by MediShield Life — the mandatory base layer run by CPF Board that covers B2/C ward stays in public hospitals. An Integrated Shield Plan wraps around it to unlock higher ward classes (B1 restructured → A ward → private hospital) and larger claim limits.
The calculator uses MOH's published IP Premium Benchmarks — a normalized view across AIA, Great Eastern, Prudential, Income and Singlife. Individual insurer quotes vary ±15% from the midpoint. MediSave covers premiums up to the age-banded Additional Withdrawal Limit (AWL); anything above is cash.
Who This Calculator Is For
MediShield Life Holders Considering ISP
Understanding the base coverage vs ISP top-up.
- MediShield Life covers: Class B2/C wards
- ISP top-up unlocks: Class B1, A ward, or private hospital
- ISP premiums: $300–$2,500+/year depending on age and plan
- MediSave: Up to 100% can be used for standard ISP premiums
Working Adults Choosing Between Insurer Plans
Comparing AIA, Prudential, NTUC Income, Great Eastern.
- All 5 insurers: MOH-approved integrated shield plan providers
- Key differences: Network hospitals, premium rates, rider options
- Pre-authorisation: Required at some private hospitals
- Check: Whether your preferred hospital and doctor is on panel
Seniors (60+) Reviewing ISP Renewal
Premium escalation and coverage review.
- Age 80+: Premiums can exceed $10,000/year for private coverage
- Consider: Downgrading from private to Class A to manage cost
- Review: Coverage vs cost annually as premiums escalate
- Minimum: Keep MediShield Life as floor coverage
Young Adults Starting First ISP
Getting covered early while premiums are low.
- Benefit: Low premiums with no pre-existing condition exclusions
- Strategy: Lock in coverage before health conditions develop
- Standard vs enhanced: Decide if private hospital access is needed
- Note: MediSave withdrawal limits apply each year
ISP Coverage Tiers: What You Get at Each Level
| Coverage Level | Hospital Ward | Premium Range (age 30) | Rider Available? |
|---|---|---|---|
| MediShield Life only | Class B2/C public | ~$200–300/year (subsidised) | No |
| ISP Class B1 | Class B1 public | ~$400–600/year | Yes |
| ISP Class A | Class A public | ~$600–900/year | Yes |
| ISP Private | Private hospitals | ~$900–1,600/year | Yes |
| ISP Private + Rider | Private + no co-pay | ~$1,500–2,500/year | Yes (rider) |
Premiums increase substantially with age. Check insurer websites for exact current premiums.
Frequently asked
How much does an Integrated Shield Plan cost in Singapore?expand_more
At age 35 non-smoker, an IP covering A-ward in a restructured hospital costs around S$580/year on top of your S$390 MediShield Life base — about S$970/year total. For private-hospital coverage, expect ~S$900 IP + S$390 MSHL = S$1,290/year. Premiums roughly double every 15 years; by age 65 the same A-ward plan is around S$3,340/year. The calculator shows exact bands and 30-year projection.
Can I use MediSave to pay IP premiums?expand_more
Yes, up to the Additional Withdrawal Limit (AWL) per insured person per year: S$300 for under-20s, S$600 for 21–40, S$900 for 41–70, S$1,100 for 71+. Anything above AWL must be paid in cash. At age 40, MediSave covers roughly 100% of a B1-ward plan but only ~60% of a private-hospital plan; the gap is cash.
Which insurer should I pick for my IP?expand_more
Premium differences across AIA, Great Eastern, Prudential, Income and Singlife are typically within ±15% at the same ward tier. More important: claims handling, panel-hospital coverage, and rider add-ons (e.g. deductible/co-pay rider, cancer treatment coverage). All five plans are regulated to the same MOH standards for MediSave-deductible portions. Get quotes from 2–3 for your exact age before committing.
Is MediShield Life compulsory?expand_more
Yes. Every Singapore citizen and PR is automatically enrolled in MediShield Life, and premiums are payable from MediSave or cash. Integrated Shield Plans are optional — they wrap around MSHL to give you better ward class and higher claim limits. If you only want MSHL (B2/C ward coverage), you don't need an IP, and you'll pay only the base premium shown in this calculator.
Why do IP premiums rise so sharply after 60?expand_more
Claims experience. Hospitalization rates triple between ages 40 and 70. Insurers price this forward: the 41–50 to 71–75 band sees premiums roughly quadruple in most plans. Some Singaporeans downgrade from private to A-ward in their 60s to manage cost; the calculator lets you model this by switching ward choice and re-running.
Sources
- MOH — Integrated Shield Plans & Premium Benchmarks
- CPF Board — MediShield Life Premiums