
Health Insurance
Don't risk your financial security and health. Explore health insurance options today and enjoy the peace of mind that comes with knowing you're protected.
Why Health Insurance Matters
1. Financial Protection: Health insurance shields you from unexpected medical expenses, preventing financial ruin.
2. Access to Quality Care: Insurance ensures you receive necessary treatments, medications, and preventive care.
3. Reduced Stress: Knowing you're covered brings peace of mind, reducing stress and anxiety.
4. Preventive Care: Many plans cover routine check-ups, screenings, and vaccinations, promoting early detection and prevention.
5. Protection for Loved Ones: Family plans ensure your loved ones are also covered, providing reassurance and support.
The Risks of Being Uninsured
1. Medical Bankruptcy: Unexpected medical bills can lead to financial devastation.
2. Delayed or Foregone Care: Without insurance, you may postpone or skip essential treatments, compromising your health.
3. Worsening Health Outcomes: Lack of access to care can lead to poorer health outcomes, reduced quality of life, and increased mortality risk.

Integrated Shield Plans
Commonly referred to as Hospital Shield Plans, Integrated Shield Plans act as a supplement to your Medishield Life. They are the most crucial plans to have before considering other coverages. Plus, you can purchase them with Medisave, making them affordable even for those with a tight budget. Having an Integrated Shield Plan will make sure that you have your hospitalization bills covered, even for pre and post hospital bills. There are also Riders that are payable in cash to enhance your Integrated Shield Plan coverage. Riders will cover Deductibles and Co-Insurance (Up to 95%), keeping your liabilities low for each hospitalization, even in a Private Hospital.
Types of Integrated Shield Plans
Up to Private Hospital coverage Integrated Shield Plan.
Up to Restructured (Government) Hospital coverage Shield Plan.
(Note: Any of the above plans will entitled you to stay in an A class and below ward)
Partner's Products
NTUC Income Enhanced Income Shield & Deluxe Care
Annual Claim Limit:
Up to $1.5 Million
Cancer Drug Treatment: Up to 10x Medishield Life's Claim Limit
Unique Features:
2 types of riders to choose from according to affordability

Annual Claim Limit:
Up to $2 Million
Cancer Drug Treatment: Up to 15x Medishield Life's Claim Limit
Unique Features:
Free or Discounted Child Coverage, No Claims Discount. Lump Sum Critical Illness Payout

Annual Claim Limit:
Up to $2.5 Million
Cancer Drug Treatment: Up to 23x Medishield Life's Claim Limit
Unique Features:
Panel GP with HSBC Life Shield Card providing preferred consultation rates

Annual Claim Limit:
Up to $1.5 Million
Cancer Drug Treatment: Up to 6x Medishield Life's Claim Limit
Unique Features:
N/A.

Careshield Supplements
Careshield is a supplemental insurance plan designed to provide additional financial protection against long-term care expenses, such as nursing home or home care costs.
Key Benefits
1. Long-term Care Coverage: Careshield supplements help cover expenses for long-term care, ensuring you receive necessary support without depleting your savings.
2. Increased Payout: Careshield supplements can increase your overall payout, providing more comprehensive financial protection.
3. Flexibility: Careshield supplements offer flexibility in how you receive your payout, allowing you to choose the care that best suits your needs.
Who is Eligible? Careshield supplements are typically available to individuals who:
1. Are Singapore Citizens or Permanent Residents
2. Are Age 30 or Older
3. Have a Minimum Sum in Their MediSave Account
Why Consider Careshield Supplements?
1. Enhanced Financial Protection: Careshield supplements provide additional financial security, ensuring you're prepared for potential long-term care expenses.
2. Peace of Mind: With Careshield supplements, you can enjoy greater peace of mind, knowing you have a comprehensive safety net in place.
Partner's Products

Premium Term:
Up to Age 68 or 98
Coverage:
2 out of 6 ADLs, 3 out of 6 ADLs (Addtional payout on top of Careshield life)
Unique Features:
20% Perpetual Discount, Premium waiver and monthly payout if you are unable to perform 1 out of 6 ADL, Caregiver and Dependants Benefit

Premium Term:
Up to Age 68 or 85
Coverage:
2 out of 6 ADLs, 3 out of 6 ADLs (Addtional payout on top of Careshield life)
Unique Features: Dependants Benefit

Premium Term:
Up to Age 68 or 96
Coverage:
2 out of 6 ADLs, 3 out of 6 ADLs (Addtional payout on top of Careshield life)
Unique Features:
20% Perpetual Discount, Caregiver and Dependants Benefit
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