moh
2
A Singapore Government Agency Website
Back to home
Updated by MOH
Why does the Standard Integrated Shield Plan not cover pre-existing conditions with risk-loading?
Similar to all other Integrated Shield Plans (IPs), the additional private insurance component of the Standard IP is provided by private insurers. Coverage under the Standard IP is therefore a business decision based on the risk assessment framework of each insurer.
Since the launch of MediShield Life, the Ministry of Health has allowed all IP insurers to introduce risk-loading options for policyholders who would like coverage for their pre-existing conditions. You may wish to check with your insurer if risk-loaded options are available for your plan.
Related questions
What does it mean if I have an exclusion on the additional private insurance coverage component but not on the MediShield Life component? How do I find out what exclusion I have?
I already have an Integrated Shield Plan. How is MediShield Life relevant to me?
moh
1
1
Why can’t the Government provide and administer the Standard Integrated Shield Plan, to ensure that premiums are more affordable and to cover pre-existing conditions with risk-loading, similar to MediShield Life?
moh
With MediShield Life, will the Integrated Shield Plans cover pre-existing conditions? Can I now get coverage under Integrated Shield Plans for my pre-existing conditions?
moh
Need more help?
Describe your issues to us.