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What should I do if I want to avoid/remove such duplication between MediShield Life and Hospitalisation & Surgical (“H&S”) plans that are not Integrated Shield Plans?



You may wish to consider avoiding/removing such duplication by taking up an Integrated Shield Plan (IP), which comprises a MediShield Life component and an additional private insurance coverage component.

You may wish to note that while MediShield Life will provide coverage for any pre-existing conditions, you may be subject to additional health checks by the private insurers for the additional private insurance coverage component, possibly resulting in exclusions and/or risk-loading. Please speak to your financial advisor who will be able to share more about your options and their implications.

This information provided here is sourced from the MOH website.

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