Integrated Shield Plans (IPs) are made up of two components: (i) the MediShield Life component and (ii) the additional private insurance component that provides greater coverage intended to cover unsubsidised bills, such as those incurred from Ward A/B1 stays in public hospitals or private hospital stays.

You can get coverage for pre-existing conditions, and be assured of lifelong coverage, under the MediShield Life component of your IP.

This is even if the condition is excluded from the additional private insurance coverage by your IP insurer.

Underwriting decisions on the additional private insurance component of IPs are separately determined by the private IP insurers. Private insurers assess applications for the additional private insurance component of the IP based on their own risk assessment frameworks, as these are commercial decisions. You may wish to check with your private insurer or financial advisor on coverage for pre-existing conditions.