Finding the right-sized Integrated Shield Plan
Find out how pro-ration factor works within your Integrated Shield Plan
Taking care of your health includes planning for the unexpected, and having the right hospitalisation insurance can make all the difference. Integrated Shield Plans (IPs) are health insurance plans in Singapore that provide additional coverage on top of the coverage provided by MediShield Life. These plans enhance your healthcare options for treatment in restructured hospitals or private hospitals.
Taking the time to understand the types of Integrated Shield Plans can help you make an informed decision when choosing yours.
Here’s an overview on the type of Integrated Shield Plans and the coverage each plan type offers:
| Plan type | Coverage |
| Private Hospital Plan | Up to Private Hospitals and private specialists |
| Restructured Hospital Ward A Plan | Up to Ward A (private room) in Restructured Hospitals |
| Restructured Hospital Ward B1 Plan | Up to Ward B1 (shared room) in Restructured Hospitals |
Pro-ration factors in Integrated Shield A and B Plans
What are pro-ration factor?
Pro-ration factor will apply, as a percentage, to your hospital bill when treatment is received at a higher hospital type or ward class than what your IP A or B Plan specifies. For example, if you have an IP A Plan but choose to seek treatment from a private specialist or at a private hospital, the pro-ration factor will apply. You will need to absorb the amount in excess of the pro-rated bill, resulting in higher out-of-pocket expenses.
However, if you receive treatment within the ward type specified by your IP plan, such as having an IP A plan and receiving treatment in Ward A of a restructured hospital, no pro-ration will apply. In this case, you will be entitled to the maximum coverage limits provided under your plan.
The Importance of pro-ration
Having pro-ration factors within the IP A and B Plans helps maintain a fair and balanced approach by preventing unintentional cross-subsidisation among customers within the same plan type. It ensures that customers who receive treatment in accordance with their plan entitlement do not end up covering some of the costs for those who opted for higher ward classes or hospital types beyond their coverage. This approach helps to keep the premiums affordable for the IP A and B customers in the long run.
How pro-ration factors work within your IP
Using our GREAT SupremeHealth as an example, let us illustrate how pro-ration factors are applied.
Aaron is covered under GREAT SupremeHealth A Plus (A Plan) with entitlement up to class Ward A in a restructured hospital. He also supplements his coverage with GREAT TotalCare A to reduce out-of-pocket expenses.
At age 50, Aaron is diagnosed with heart disease and requires surgery.
Scenario 1 : Aaron chooses to seek treatment in a Private Hospital
Here's how GREAT SupremeHealth A Plus covers Aaron’s Eligible Bill in a Private Hospital:
| Eligible Bill incurred: | S$100,000# |
| Pro-rated Bill = 35%* of Eligible Bill | S$35,000 |
| Less Deductible1 | (S$3,500) |
| Claimable amount (less deductible) | S$31,500 |
| Less Co-insurance2 10% x (S$35,000 less deductible of S$3,500) | (S$3,150) |
| GREAT SupremeHealth A Plus and MediShield Life cover | S$28,350^ |
| Aaron’s Out-of-pocket expenses (after GREAT SupremeHealth A Plus (inclusive of MediShield Life) claims payouts) | S$71,650 |
With GREAT TotalCare A, Aaron’s out-of-pocket expenses are further reduced by S$4,900 (95% of the Deductible and 50% of the Co-insurance) to S$66,750.
Scenario 2: Aaron chooses to seek treatment in a Restructured Hospital
Having the same treatment in a restructured hospital is likely to have a reduced hospital bill as estimated by the Ministry of Health’s cost financing estimates#.
Here's how GREAT SupremeHealth A Plus covers Aaron’s Eligible Bill in a Restructured Class A Ward:
| Eligible Bill incurred: | S$44,000# |
| Less Deductible1 | (S$3,500) |
| Claimable amount (less deductible) | S$40,500 |
| Less Co-insurance2 10% x (S$44,000 less deductible of S$3,500) | (S$4,050) |
| GREAT SupremeHealth A Plus and MediShield Life cover | S$36,450^ |
| Aaron’s Out-of-pocket expenses (after GREAT SupremeHealth A Plus (inclusive of MediShield Life) claims payouts) | S$7,550 |
With GREAT TotalCare A, Aaron out-of-pocket expenses are further reduced by S$5,350 (95% of the Deductible and 50% of the Co-insurance) to S$2,200.
Adhere to your plan type’s intended coverage where possible
It is important to understand your plan's coverage details and the associated pro-ration factors. Pro-ration adjustments mean if you opt for treatment in a higher-class ward or hospital than what your plan covers, you will need to bear a larger portion of the medical expenses.
Whenever possible, keep to the ward class and hospital type coverage specified under your plan to manage out-of-pocket expenses, unless faced with an urgent medical situation that requires you to prioritise the availability of your treatment.
Aligning your health coverage with your medical care preference
With rising medical costs over the years, it is crucial to stay informed about the changes to MediShield Life and Integrated Shield Plans (IPs) in Singapore. Understanding your healthcare needs and reviewing the available coverage options can help you make informed decisions and ensure you are adequately prepared for any eventuality.
Speak to our Financial Representative to discuss how your IP plan can support your medical treatment and provide clarity on what will be covered prior to receiving care.
Notes and disclaimers
1 Deductible is the initial amount you are required to pay for a claim in a policy year before any payout will be made from us, and this amount depends on the type of ward you stayed in.
2 Co-insurance is the percentage of the eligible medical bill you are required to pay under your Integrated Shield plan after deducting the Deductible.
# Source: Ministry of Health’s website (https://www.moh.gov.sg/managing-expenses/bills-and-fee-benchmarks/cost-financing/tosp-sd742h-bill-information/), SD742H - Heart, Coronary Disease, Coronary Artery Bypass Graft.
*As the Life Assured stayed in Private Hospital, pro-ration factor applicable for treatment at a Private Hospital under GREAT SupremeHealth A Plus is 35%.
^ This illustration assumes that the treatment was not subject to any applicable benefit limits. Depending on the treatment type, further benefit limits may apply as specified. Refer to the policy contract for additional details.
Terms and conditions apply.
Maximum entry age for GREAT SupremeHealth (P Plus, A Plus and B Plus) and GREAT TotalCare is age 75 years next birthday.
GREAT TotalCare is not a MediSave-approved Integrated Shield plan and premiums are not payable using MediSave. GREAT TotalCare is designed to complement the benefits offered under GREAT SupremeHealth.
The information presented is for general information only and does not have regard to the specific investment objectives, financial situation or particular needs of any particular person.
This is only product information provided by us. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.
If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy
This advertisement has not been reviewed by the Monetary Authority of Singapore.
These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg)
Information correct as at 28 March 2025.
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