Singapore Health Insurance Comparison

Back to Singapore Doctors Directory . Singapore Health Insurance

SINGAPORE HEALTH INSURACE COMPARISON - PRIVATE HOSPITALS

Download the individual health insurance plans for your own comparison to see which are the best for your needs. The top 10 health insurance plans include:
- Prudential PRUshield Health Insurance Plan
- Prudential PRUshield A Premier and A Plus Health Insurance Plan
- Great Eastern Supreme Health Plan
- Great Eastern Supreme Health As-Charged Plan
- Aviva My Shield Health Insurance Plan
- AIA Health Shield Gold Max Plan
- NTUC Income Shield Health Plan
- NTUC Enhanced Income Shield Health Plan

Comparison of Private Integrated Health Insurance Shield Plans for Private Hospitals

		NTUC Income
		Enhanced				Great Eastern
	NTUC Income	IncomeShield Plan	AIA HealthShield	AIA HealthShield	AIA HealthShield	SupremeHealth Plan	Prudential PruShield	Aviva MyShield Plan
Benefits	IncomeShield Plan P	Preferred	Gold Prestige	Gold Elite*	Gold Max (Plan 1)	P Plus	Plan A Premier	1
Inpatient and Day Surgery:
Daily ward and treatment charges	1,600	As Charged	1,700	As Charged	As Charged	As Charged	As Charged	As Charged
Daily ward and treatment charges in ICU	2,200	As Charged	3,600	As Charged	As Charged	As Charged	As Charged	As Charged
Surgery	1050 - 14,100	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged
Surgical Implants and approved medical consumables	14,000	As Charged	5,000	As Charged	As Charged	As Charged	As Charged	As Charged
Gamma Knife	15,600	As Charged	16,000	As Charged	As Charged	As Charged	As Charged	As Charged

Outpatient Treatment:
Kidney Dialysis	3,000/mth	As Charged	36,000/yr	As Charged	As Charged	As Charged	As Charged	As Charged
Cancer treatment:								As Charged
Radiotherapy	600/day		500/day
Chemotherapy	3,500/mth	As Charged	36,000/yr	As Charged	As Charged	As Charged	As Charged	As Charged
Immunotherapy	2,000/mth	As Charged	24,000/yr	As Charged	As Charged	As Charged	As Charged	As Charged
Immunotherapy	2,000/mth		24,000/yr
Stereotactic Radiotherapy	5,000		4,000/treatment
Immunosuppressants for organ transplant	1,000/mth	As Charged	7,200/yr	As Charged	As Charged	As Charged	As Charged	As Charged
Erythropoietin	1,000/mth	As Charged	7,200/yr	As Charged	As Charged	As Charged	As Charged	As Charged

Additional Benefits Limits:
				100,000/yr	100,000/yr			Additional 150,000/yr
				100,000/yr	100,000/yr			(for Heart Attack,
				(for 30 Critical	(for 30 Critical			(for Heart Attack,
				(for 30 Critical	(for 30 Critical			Major Cancer, Stroke,
				Illnesses)	Illnesses)			Major Cancer, Stroke,
				Illnesses)	Illnesses)			End Stage Lung
				(See Note (3))	(See Note (3))			End Stage Lung
				(See Note (3))	(See Note (3))			Disease, End Stage
								Disease, End Stage
								Liver Disease)
Critical Illnesses	-	-	-			-	-	(See Note (3))
Major Organ Transplant	-	As Charged	-	As Charged	As Charged	As Charged	As Charged	As Charged
				5,000/policy
				(after 10 mths waiting				As Charged
Inpatient Psychiatric Treatment	5,000/yr	5,000/yr	-	period)	5000/yr	6,000/yr	-	(Up to 60 days)
			50,000 /yr
			150,000/lifetime
Extra Cancer Coverage	-	-	(See Note (3))	-	-	-	-	-
								Yes, under Plan 2 (if
								both parents take up
								plan 1 or 2)
Free coverage for child(ren) below 20 years old	-	-	-	-	-	-	-	(See Note (6))
	7,000/yr	As Charged		As Charged	As Charged		As Charged	As Charged
Pregnancy Complications Benefit	(for selected	(for selected		(for selected	(for selected	As Charged	(for selected	(for selected
(after 10 mths waiting period)	conditions only)	conditions only)	-	conditions only)	conditions only)		conditions only)	conditions only)
					5000/per child up to
				5,000/policy for the	20,000/lifetime for the
				first 12 mths of birth of	first 24 mths of birth
Congenital Abnormalities Benefit for Insured's Biological				child (after 12 mths	(after 10 mths waiting
Child (for female insured)	-	-	-	waiting period)	period)	-	-	-
Congenital Abnormalities Benefit for Insured
(after 24 mths waiting period)	10,000/yr	As Charged	-	-	As Charged	As Charged	As Charged	As Charged
	1,600/day	As Charged		As Charged	As Charged			As Charged
Confinement in Community Hospital	(up to 45 days)	(up to 90 days)	-	(up to 45 days)	(up to 45 days)	325/day	As Charged	(up to 45 days)
Living Donor Organ Transplant (Insured as the Living
Donor donating an organ)
(after 24 mths waiting period) (see Note (5))	-	60,000/transplant	-	-	60,000/transplant	50,000/ transplant	-	50,000/ lifetime
Living Donor Organ Transplant (Non-insured donating an
organ to Insured)
(see Note (6))	-	-	-	-	60,000/transplant	-	-	-

Other Policy Features
Proration factors	-	-	-	-	-	-	-	-
Proration factors for Private Outpatient Clinics (Cancer and
Dialysis Treatment)	-	-	-	-	-	-	-	-
							Class C - 1,000,
	Class C - 1,000,	Class C - 1,000,		Class C - 1,000,	Class C - 1,000,	Class C -1,000	Class B2/day surgery	Class C - 1,000,
	Class B2 - 1,500,	Class B2 - 1,500,		Class B2 - 1,500,	Class B2 - 1,500,	Class B2 -1,500	(subsidised) - 1,500,	Class C - 1,000,
	Class B2 - 1,500,	Class B2 - 1,500,		Class B2 - 1,500,	Class B2 - 1,500,	Class B2 -1,500	(subsidised) - 1,500,	Class B2 - 1,500,
	Class B1 - 2,000,	Class B1 - 2,000,		Class B1 - 2,000,	Class B1 - 2,000,	Class B1 -2,000	Class B1/day surgery	Class B2 - 1,500,
	Class B1 - 2,000,	Class B1 - 2,000,	3000	Class B1 - 2,000,	Class B1 - 2,000,	Class B1 -2,000	Class B1/day surgery	Class B1 - 2,000,
	Class A and private	Class A and private	3000	Class A and private	Class A and private	Class A and private	(non-subsidised) -	Class B1 - 2,000,
	Class A and private	Class A and private	(See Note (1))	Class A and private	Class A and private	Class A and private	(non-subsidised) -	Class A and private
	hospital - 3,000	hospital - 3,000	(See Note (1))	hospital - 3,000	hospital - 3,000	hospital - 3,000	2,000,	Class A and private
	hospital - 3,000	hospital - 3,000		hospital - 3,000	hospital - 3,000	hospital - 3,000	2,000,	hospital - 3,000
	Day Surgery - 3,000	Day Surgery - 3,000		Day Surgery - 2,000	Day Surgery - 2,000	Day Surgery - 3,000	Class A and private	hospital - 3,000
	Day Surgery - 3,000	Day Surgery - 3,000		Day Surgery - 2,000	Day Surgery - 2,000	Day Surgery - 3,000	Class A and private	(See Note (1))
	(See Note (1))	(See Note (1))		(See Note (1))	(See Note (1))	(See Note (1))	hospital - 3,000	(See Note (1))
	(See Note (1))	(See Note (1))		(See Note (1))	(See Note (1))	(See Note (1))	hospital - 3,000
							(See Note (1))
Deductibles (Per Policy Year)
								10%
Co-insurance	10%	10%	20%	10%	10%	10%	10%	(max $25,500/yr)
Policy Year Limit	260,000	600,000	400,000	500,000	500,000	500,000	500,000	650,000
Lifetime Limit	Unlimited	Unlimited	10,000,000	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited
Final Expense Benefit (Note (2))	5,000	5,000	-	2,000/policy	3000/per policy	7,000	5,000	1,000

Last Entry Age	75	75	75	75	75	75	75	75
Maximum Coverage Age	Lifetime	Lifetime	Lifetime	Lifetime	Lifetime	Lifetime	Lifetime	Lifetime

Total Premium for Singaporean Policyholder (Rounded to nearest $)
Age Next Birthday:						(See Note (4))	(See Note (4))
1 to 30	119	131 - 142	123	150	159 - 173	141 - 158	131 - 142	143 - 159
31 to 40	183	208	193	214	236	207	205	241
41 to 50	348	412	389	424	467	410	412	447 - 481
51 to 60	559	717	614 - 662	736 - 795	798 - 900	752	759 - 778	717 - 800
61 to 65	1,002	1,186	964	1,108	1,353	1,087	1,151	1,225
66 to 70	1,435	1,715	1,597	1,677	1,833	1,656	1,713	1,761
71 to 73	2,005	2,392	2,084	2,250	2,474	2,294	2,302	2,525
74 to 75	2,378	2,833	2,294	2,523	2,771	2,694	2,700	2,965
76 to 78	2,847	3,393	3,208	3,368	3,709	3,746	3,615	4,123
79 to 80	3,285	3,918	3,208	3,785	4,165	3,894	3,716	4,123
81 to 83	3,767	4,822	3,730	4,289	4,673	4,657	4,979	5,740
84 to 85	4,246	5,283	4,022	4,625	5,046	5,362	5,542	5,963
Premium at max coverage age	6,237	7,600	5,583	7,035	7,879	7,931	7,227	6,732

* This plan is no longer offered to new members. Existing members may continue to renew their policies.

Note (1): (a) For GE's SupremeHealth Plan, the deductible applicable for policyholders after the age of 85 will be raised by $1,000 of the above listed deductible.

(b)For GE's SupremeHealth Plus Plan, the deductible applicable for policyholders after the age of 85 will be 150% of the listed deductibles.

(c)For AIA Plans, the deductible applicable for policyholders after the age of 82 will be raised by 150% of the listed deductibles.

(d)For Prudential PruShield A Plus and PruShield A Premier, the deductible applicable for policyholders after the age of 85 will be 150% of the above listed deductible.

(e)For NTUC IncomeShield Preferred Plan/Plan P, the deductible applicable for policyholders after the age of 80 is as follows: Class C - $2,000, Class B2 - $3,000, Class B1 - $3,000, Class A and pte hosp - $4,500, Day Surgery - $4,500

(f)For Aviva's MyShield Plan, the deductible applicable for policyholders after the age of 80 will be 150% of the listed deductibles.

Note (2): Final Expense Benefit refers to the waiver of the deductible and co-insurance up to the stipulated amounts in the event of the insured's death during hospitalisation or within a stipulated period after discharge from hospital subject to the conditions as stipulated by the insurer.

Note (3): AIA's extra cover for Cancer and 30 Critical Illnesses Benefit and Aviva's 5 Critical Illnesses Benefit is provided over and above the Overall Policy Year Limit and the Overall Lifetime Limit. Note (4): (a) GE's SupremeHealth Plan P Plus premiums listed are rounded up to the nearest dollar and include a 5% premium discount.

(b) For PruShield A Premier, foreigners not related to Singaporeans and PRs will be subjected to higher premium rates

Note (5): The recipient's kidney or liver failure must be first diagnosed after 2 years from the commencement/ reinstatement/ last upgrading date of the policy.

For GE and Aviva plans, the living organ donor transplant applies for kidney and liver transplants only, where the recipient must be a family member (parents, siblings, children or spouse) of the Life Insured.

Note (6): Expenses incurred by the non-insured living donor shall only be reimbursed under the Living Organ Donor Benefit if the living donor is not eligible to be reimbursed under MediShield, Medisave-approved Integrated Shield Plans or any other insurance plans for the organ donation.

Note (7): Aviva's free coverage of child(ren) below 20 years old is only limited to the first four children of members with effect from 1st September 2010. An insured person who is already insured under this benefit will continue to be covered for free subject to the terms and conditions of this benefit.

The premiums payable are based on your age next birthday and may increase as members enters into the next age band The annual Medisave withdrawal limits for Medisave-approved Integrated Shield policies are:

(a)$800 per policy year, where the insured person is less than 81 years of age at his next birthday on date of policy commencement/renewal

(b)$1,150 per policy year, where the insured person is 81 or more years of age at his next birthday on date of policy commencement/renewal