All Singaporeans are covered by MediShield Life for the most basic of medical coverage. But on top of MediShield Life, an estimated two-thirds of Singaporeans are also paying for an integrated shield plan (IP) from one of 7 private insurers.

That includes Raffles Medical Group’s health insurance arm, the latest private insurer to be allowed to offer integrated shield plans to Singaporeans. Raffles Health Insurance’s IP will only be available from 1 Aug 2018, so we won’t be comparing it for now.

Each insurer offers a few options for their integrated shield plans, which means Singaporeans will have over 22 options to choose from. That’s more options than California Pizza Kitchen has pizzas.

But believe it or not, it’s easier to choose an integrated shield plan than to decide on which pizza to eat for dinner. This is because there are just 3 things you need to look out for when making your choice: length of coverage, limit of coverage and (of course) price of…


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