Integrated Shield Plans (IPs) are payable by MediSave as IPs include both a MediShield Life component and an additional, optional private insurance component that sits on top of MediShield Life. Nevertheless, the payment of IP premiums using MediSave is still subject to the MediSave Additional Withdrawal Limits (AWLs) for the private insurance component.

MediSave savings are intended to be sufficient for basic healthcare needs. The AWLs are set to strike a balance between helping Singapore Residents pay for IPs, which are optional commercial products beyond MediShield Life, and conserving enough MediSave for basic healthcare expenses, especially in old age.

Rider premiums are only payable in cash as they are not part of IPs or MediShield Life. In addition, a key feature of riders is to help reduce co-payment. Insufficient co-payment may increase the risk of over-consumption and over-servicing, which could in turn lead to escalation in healthcare costs and insurance premiums for all Singaporeans.