Differences between the integrated shield plans (IP)

Only the differences between the IP in Singapore.

Benefits that are similar have been removed for comparison.

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Details were extracted from: https://www.moh.gov.sg/content/dam/moh_web/MediShieldLife/IP%20Plans/Comparison%20of%20IPs-Pte%20plans%20(27%20June%202017).pdf

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Benefits Income Enhanced IncomeShield Preferred AIA HealthShield Gold Max A Great Eastern Supreme Health P Plus Prudential   A Premier Aviva MyShield Plan 1 AXA Shield Plan A
Confinement in Community Hospital As Charged (up to 90 days for each admission) 800/day As Charged (up to 45 days) As Charged (up to 45 days)
Inpatient Psychiatric Treatment As Charged up to 7,000/yr 5,000/yr (Additional post-hospitalisation psychiatric treatment of 5,000/yr within 200 days after Confinement) 25,000/yr (Including pre & post hospitalisation benefits) 4,000/yr (i) As Charged (up to 60 days) [with 10 mth waiting period] (ii) $500/day (up to 35 days) [without waiting period] Up to $5,000, capped at 35 days per policy year
Pre-Hospitalisation Treatment (number of days indicate maximum number of days covered prior admission) (see Note (1)) As Charged (Up to 90 days) As Charged Up to 100 days
If admitted to / treated by AIA Preferred Providers: Up to 13 months
[Note (2)] As Charged (Up to 120 days) As Charged (Up to 180 days) As Charged (Up to 90 days) As Charged (Up to 180 days)
Post-Hospitalisation Treatment (number of days indicate maximum number of days covered after discharge) (see Note (1)) As Charged
(Up to 100 days, with additional 100 days for 30 critical illnesses)
If admitted to / treated by AIA Preferred Providers: Up to 13 months (the additional 100 days for 30 Critical Illnesses is not applicable)
[Note (2)] As Charged (Up to 180 days) As Charged (Up to 365 days) (i) As Charged (Up to 90 days) [for non-panel specialist in a private hospital] (ii) As Charged (Up to 180 days) [for panel specialist in a private hospital, restructured hospital and community hospital] As Charged (Up to 365 days)
Major Organ Transplant As Charged As Charged As Charged As Charged (for selected organs) As Charged (for selected organs) As Charged (for selected organs)
Additional Benefits Limits (Cont’d)
Living Donor Organ Transplant (Insured as the Living Donor donating an organ) (after 24 mths waiting period) (Note (3)) As Charged up to 60,000/transplant 60,000/transplant 60,000 / transplant 60,000/yr 50,000/ lifetime $60,000 per transplant
Living Donor Organ Transplant (Non-insured donating an organ to Insured) (Note (4)) 60,000 / transplant
Pregnancy Complications Benefit (after 10 months waiting period) (for selected conditions only – please check with your insurer for futher details) As Charged As Charged As Charged As Charged As Charged As Charged
Congenital Abnormalities Benefit for Insured’s Biological Child [only for insured females] 20,000/ lifetime Limited to 5,000/child [with 10 month waiting period] [For both female and male insureds] 20,000 / lifetime Limited to 5,000 / child [with 300 days waiting period]
Congenital Abnormalities Benefit for Insured As Charged [with 12 mths waiting period] As Charged (i) 20,000/yr (Within 730 days of last policy effective date) (ii) As Charged (After 730 days from last policy effective date) As Charged [with 24 mths waiting period] As Charged (with 24 mths waiting period) As Charged (after a waiting period of 365 days)
Prosthesis Benefit As charged , up to 10,000/yr
Critical Illnesses Additional 100,000 policy yr limit (for 30 Critical Illnesses) (Note (5)) Additional 150,000/yr (for 5 Critical Illnesses) (See Note (5))
Emergency overseas treatment As charged but limited to costs of Singapore private hospitals Reimburse the Eligible Expenses incurred for overseas medical or surgical treatment subject to the applicable claim limits of AIA HealthShield Gold Max A. Benefit payable under Emergency Overseas (Outside Singapore) Medical Treatment Benefit shall be limited to the level of Reasonable and Customary charges in a Singapore Private Hospital As Charged (But limited to Singapore Private Hospital charges) As Charged (paying the lower of: – the overseas charges; or – in accordance with a Singapore Private Hospital’s charges) As Charged (pegged to costs of Mount Elizabeth Orchard Hospital) As Charged (pegged to costs of Singapore private hospital)
Planned overseas treatment As Charged (pegged to costs of Mount Elizabeth Orchard Hospital) (Note (6))
Subsidised Day Surgery/ Short Stay Wards 2000 2000 Restructured hospital 1,500 (short stay) 2,000 (day surgery) 1500 3,000 (day surgery) 2,000 (subsidised short stay ward) 3,500 (unsubsidised short stay ward) 3000
Unsubsidised Day Surgery/ Short Stay Wards 3500 Restructured hospital: 2,000 (short stay) 2,500 (day surgery) Private Hospital: 3,500 (short stay & day surgery) 2000
Co-insurance 10.00% 10.00% 10.00% 10.00% 10% (max $25,500/yr) 10.00%
Policy Year Limit 1000000 600,000
If admitted to / treated by AIA Preferred Providers: 2,000,000
[Notes (2) and (5)] 1500000 1200000 1,000,000 (Note (8)) 1000000
Lifetime Limit Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Final Expense Benefit (Note (9)) 5000 5000 7000 5000 10000
Free new-born benefit (Note (10)) 50,000/yr
Preventive treatment for cancer As charged