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Integrated Shield & supplementary plans: What to do if you need medical attention?

What to do if you need medical attention?

Getting the best coverage from your Integrated Shield and supplementary plans

Being in good health is key to leading a quality life. However, there may be times when medical care is required due to unforeseen ailments and illnesses. We are here to help you ease through your medical needs, so that you can focus on your recovery.

Here’s what you should know about getting the best coverage from your plan:

  • Integrated Shield coverage is added on top of your MediShield Life coverage.
  • All Integrated Shield plans, when bundled with a supplementary plan, will require a minimum of 5% co-payment to help insurance premiums remain affordable in the long-term.
  • Do read your policy documents for coverage on the treatment you seek and the ward you are entitled to.
  • Get complete assurance by applying for pre-approval from us to determine that your planned medical treatment or prescribed medication is covered.

How can I ensure that more of my medical expenses can be covered?

Having Integrated Shield coverage may help cover majority of the hospitalisation costs you may incur in your lifetime. However it’s prudent to consider expanding your health insurance portfolio to ensure that your healthcare expenses are well taken care of without worrying about depleting your personal savings to recover and remain healthy.

Your health insurance portfolio can provide financial support for key health-related events:

Health insurance plans


Hospitalisation – Integrated Shield and supplementary plans

Up to 95% of eligible medical bill to defray your expenses

Hospital Cash

Daily hospital cash payouts for that added financial support

Critical Illness

Lump sum cash payout upon diagnosis to do as you wish -

Taking a break off work, spending time with family or seeking alternative treatments


Income payout upon disability or lump sum cash payout upon total and permanent disability to fund your lifestyle


Cash benefit or inheritance to your loved ones

Review your health insurance portfolio from time to time to ensure you and your family are protected.

Supporting your healthcare needs from the start of your journey

The process of getting the right medical care can be challenging – emotionally and financially – from which specialist to consult with to how much the treatment is likely to cost and how much your insurance covers.

Let us guide you on how you can benefit from your coverage:


Consult a General Practitioner (GP) for your medical concerns

With a preferential rate of S$12 per consultation*, you can be connected to a GP for either a video or in-person medical consultation through the Doctor Anywhere mobile app.

* Excludes medication, investigations and surcharges


Be referred to and make an appointment with a panel specialist 

Get easy access to one of the largest panels of private medical specialists by making an appointment through Health Connect.

Let us assist you with your specialist appointment booking or pre-approval of medical expenses.

Pre-approve your eligible medical expenses for greater assurance 

If a hospital admission or treatment is needed, the Panel Specialist can assist you to request for pre-approval on your eligible medical expenses.

Let us assist you with your specialist appointment booking or pre-approval of medical expenses.

Direct bill settlement between the hospital and us

Once the approval is secured, we will settle the eligible medical expenses directly with the hospital. upon your discharge, for your piece of mind.

Talk to us

Review your health insurance portfolio from time to time to ensure you and your family are protected.

RCB form

How can we help you?

Your last Servicing Representative will contact you.

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