Singapore

Medical Insurance

Free Singapore calculator designed to help users make accurate financial decisions using local standards.

By the GlobalCalqulate team, founded by Pavan Kusunuri · About our editorial standards

Personal Details

Your age (years)

Insurance premiums increase with age. Most ISPs use age bands (e.g., 31-40, 41-50).

Citizenship / Residency

Citizens and PRs are eligible for MediShield Life and subsidies. Foreigners typically need private ISP or international plans.

Insurance Plan Selection

Hospital Ward Type

Higher ward types cost more but offer more flexibility and shorter wait times.

Coverage Tier

Premium plans cover more treatments, higher annual limits, and overseas emergency.

Include rider for co‑payment coverage?

Riders reduce or eliminate co‑payments but increase premiums. MOH requires at least 5% co‑payment for new plans (since 2020).

Rider Coverage Type

Full coverage riders may be phased out. New riders must have minimum 5% co‑payment.

Subsidy & Health Status

Eligible for MOH subsidies?

Subsidies are available for lower‑income households, reducing Medisave premiums and co‑payments.

Monthly household income (SGD)

Used to determine subsidy tier for MediShield Life and ISP premiums.

Household size (number of persons)

Income is assessed per capita for subsidy eligibility.

Any pre‑existing conditions?

Pre‑existing conditions may affect premium (loading) or coverage exclusion.

✓ Reviewed and updated for accuracy using current official rates and widely accepted formulas.

Help & FAQs

Frequently Asked Questions

Clear answers to common questions to help you use this calculator confidently.

What's the difference between Class B2, B1, and A Integrated Shield Plans?

Tap to view the answer

Class B2 = Co-insurance 10%, lower premiums, shared wards. Class B1 = Co-insurance 7%, moderate premiums, semi-private wards. Class A = Co-insurance 5%, premium costs, private wards. Higher classes offer better comfort and less out-of-pocket costs.

At what age does ISP insurance become very expensive?

Tap to view the answer

Insurance premiums increase significantly after age 45-50 due to higher medical risk. Age loading can add 5%+ annually, so locking in plans early helps with cost certainty.

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How to Use This Calculator

Enter your age and citizenship

Age determines premium bands. Citizenship affects eligibility for MediShield Life and subsidies.

Select ward type and coverage tier

Choose private hospital for maximum flexibility, or public B1 for lower cost.

Decide on rider inclusion

Riders reduce co‑payment but increase premiums. Since 2020, new riders must have at least 5% co‑payment.

Enter household income for subsidies

If eligible, MOH subsidies can reduce premiums significantly for lower‑income households.

Review estimated premium

See annual premium, Medisave withdrawal limit, and out‑of‑pocket cash portion.

Explore coverage summary

View deductible amounts, co‑payment percentages, and annual coverage limits.

Understanding Your Results

Annual Premium
Total cost of the ISP including rider (if selected). Portions can be paid from MediSave (up to withdrawal limits).
MediSave Withdrawal Limit
Maximum CPF MediSave can be used per year for premiums. Balance must be paid in cash.
Cash Premium (Out‑of‑Pocket)
Premium amount not covered by MediSave withdrawal, paid in cash.
Deductible
Annual amount you pay before insurance starts covering your hospitalisation costs.
Co‑Payment
Your share of covered expenses after deductible. Minimum 5% for new riders.
Annual Coverage Limit
Maximum amount the insurance plan pays per year for covered treatments.
Estimated Subsidy (if eligible)
MOH subsidy reduces the annual premium amount for lower‑income citizens.

Key Tips

✓
Compare premiums across all 7 ISPs – they vary significantly for the same ward type.
✓
If you're under 55 and healthy, consider a B1 public plan with a rider – it's cost‑effective.
✓
Check MediSave withdrawal limits by age – you can reduce cash outlay significantly.
✓
MOH subsidies apply to Citizens only – PRs and foreigners pay full premium.
✓
Rider premiums increase with age – review if you still need full coverage as you grow older.
✓
For private hospital plans, deductibles are higher (SGD 3,500) – ensure you have adequate savings.
✓
Read the policy exclusions – not all treatments are covered (e.g., experimental treatments).
✓
Consider applying for ISP before age 60 to avoid higher premiums and medical underwriting.

Singapore Medical Insurance & Integrated Shield Plan Guide (2026)

What are Integrated Shield Plans (ISPs)?

ISPs are private health insurance plans that provide additional coverage on top of MediShield Life. They offer higher claim limits, better ward options (private/A/B1), and overseas coverage. Seven insurers offer ISPs in Singapore.

MediShield Life – the basic coverage

MediShield Life is the basic health insurance for all Singapore Citizens and Permanent Residents. It covers large hospital bills and selected outpatient treatments. Premiums are subsidised for lower‑income households.

ISP premium costs by age and plan

Premiums increase with age. For age 40, annual premium for public B1 plan is ~SGD 400-600, for private hospital plan ~SGD 1,000-1,800. Riders add 30-50% to premium.

Co‑payment and deductible explained

Deductible is the first part of the bill you pay (e.g., SGD 3,500 for private hospital). Co‑payment is a percentage of the remaining bill (e.g., 10%). Since 2020, new ISPs must include at least 5% co‑payment to limit over‑insurance.

Riders – do you need them?

Riders cover co‑payment and deductibles. Older riders offer full coverage, but new riders (since 2020) must have at least 5% co‑payment. Riders increase premium but reduce financial shock from hospital bills.

MOH subsidies for premiums

Singapore Citizens in lower‑income households receive premium subsidies for MediShield Life and additional subsidies for ISPs. Subsidies are based on per‑capita household income. Visit MOH website to check eligibility.

MediSave withdrawal limits

You can use MediSave to pay for ISP premiums, subject to withdrawal limits based on age: SGD 300-600/year for younger adults, higher for seniors. Any excess must be paid in cash.

Expat and foreigner health insurance

Foreigners are not eligible for MediShield Life. They must purchase private health insurance plans (often international coverage) from ISPs or global insurers. Premiums are significantly higher.

Comparison of Singapore ISPs

The seven insurers are AIA, Great Eastern, Income, NTUC, Prudential, Raffles Health, and Singlife. Plans differ on private hospital coverage, cancer drug lists, overseas coverage, and waiting periods.

Health insurance for pre‑existing conditions

ISPs may exclude pre‑existing conditions or impose premium loadings. Some insurers offer moratorium underwriting (conditions not claimed for 5 years may be covered).

Disclaimer

This calculator provides estimates for educational purposes. Actual premiums, deductibles, and coverage depend on your chosen insurer, age band, health status, and policy terms. Always refer to the insurer's policy documents and consult a licensed insurance advisor.

Singapore Medical Insurance & Integrated Shield Plan Guide (2026)

What are Integrated Shield Plans (ISPs)?

MediShield Life – the basic coverage

ISP premium costs by age and plan

Premiums increase with age. For age 40, annual premium for public B1 plan is ~SGD 400-600, for private hospital plan ~SGD 1,000-1,800. Riders add 30-50% to premium.

Co‑payment and deductible explained

Riders – do you need them?

MOH subsidies for premiums

MediSave withdrawal limits

You can use MediSave to pay for ISP premiums, subject to withdrawal limits based on age: SGD 300-600/year for younger adults, higher for seniors. Any excess must be paid in cash.

Expat and foreigner health insurance

Foreigners are not eligible for MediShield Life. They must purchase private health insurance plans (often international coverage) from ISPs or global insurers. Premiums are significantly higher.

Comparison of Singapore ISPs

Health insurance for pre‑existing conditions

ISPs may exclude pre‑existing conditions or impose premium loadings. Some insurers offer moratorium underwriting (conditions not claimed for 5 years may be covered).

Personal Details

Insurance Plan Selection

Subsidy & Health Status

What's the difference between Class B2, B1, and A Integrated Shield Plans?

At what age does ISP insurance become very expensive?

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Personal Details

Insurance Plan Selection

Subsidy & Health Status

How to Use This Calculator

Understanding Your Results

Key Tips

Singapore Medical Insurance & Integrated Shield Plan Guide (2026)

What are Integrated Shield Plans (ISPs)?

MediShield Life – the basic coverage

ISP premium costs by age and plan

Co‑payment and deductible explained

Riders – do you need them?

MOH subsidies for premiums

MediSave withdrawal limits

Expat and foreigner health insurance

Comparison of Singapore ISPs

Health insurance for pre‑existing conditions

Disclaimer

How to Use This Calculator

Understanding Your Results

Key Tips

Singapore Medical Insurance & Integrated Shield Plan Guide (2026)

What are Integrated Shield Plans (ISPs)?

MediShield Life – the basic coverage

ISP premium costs by age and plan

Co‑payment and deductible explained

Riders – do you need them?

MOH subsidies for premiums

MediSave withdrawal limits

Expat and foreigner health insurance

Comparison of Singapore ISPs

Health insurance for pre‑existing conditions

Disclaimer