
In our previous article, "Disappointed with the new integrated shield riders? This is what we think", we explained how the removal of hospitalisation cash benefit in Integrated Shield Plan riders may affect you. If you are worried about having no income replacement in the event of a prolonged hospitalisation, here are three plans to boost your coverage and get the daily hospitalisation cash benefit that integrated shield riders no longer offer.
#1 Hospital CashPlus
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Pick this if... you would like to insure your young children or if you want to receive a daily cash benefit in the event that you are hospitalised. May not be suitable for: Older individuals or individuals who spend a considerable amount of time outside of Singapore. |
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An affordable plan with a daily hospitalisation benefit, Hospital CashPlus is suitable for individuals who would like to supplement their existing MediShield Life and Integrated Shield Plan. With the recent revisions to Integrated Shield riders, new riders will no longer offer any hospital cash benefit. Therefore if you still wish to receive this benefit, consider supplementing your hospital coverage with Hospital CashPlus.
Additionally, Hospital CashPlus is also suitable for young children. With coverage offered for babies from just 15 days old, Hospital CashPlus allows your child to get insured as soon as possible. This prevents the possibility of uninsurability in the event that he/she is diagnosed with any medical condition in future.
Coverage and premium table for Hospital CashPlus
Silver Plan |
Gold Plan |
Platinum Plan |
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Daily hospitalisation cash benefit (maximum 500 days) |
$100 per day |
$200 per day |
$300 per day |
Intensive Care Unit (ICU) daily hospitalisation cash benefit (maximum 60 days) |
$200 per day |
$400 per day |
$600 per day |
Recuperation cash benefit |
Not covered |
$500 |
$1,000 |
Emergency outpatient benefit (for accidents) |
Not covered |
Up to $500 |
Up to $1,000 |
Annual premiums for 15 days to age 17 ALB |
$173 |
$290 |
$463 |
Annual premiums for age 18 to 30 |
$209 |
$347 |
$554 |
Annual premiums for age 31 to 40 |
$247 |
$412 |
$659 |
Annual premiums for age 41 to 50 |
$338 |
$564 |
$905 |
Annual premiums for age 51 to 65 (renewals only) |
$478 |
$798 |
$1,274 |
Annual premiums for age 66 to 70 (renewals only) |
$526 |
$878 |
$1,401 |


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