Senior Integrated Shield Plans
An Integrated Shield Plan (IP) combines MediShield Life with private insurance coverage. For seniors, upgrading or maintaining this plan is crucial to avoid having to pay huge hospital bill deposits when going to private or upgraded public wards.
- Covers pre- and post-hospitalisation specialist claims.
- Direct claims from MediSave account limits.
- Bypass basic national health program waiting list.
Best for: Seniors over 60 looking for fast specialist consultations without lengthy administrative queues.
CareShield Life Supplementary Upgrades
While standard CareShield Life provides basic lifetime cash payouts for severe disability, upgrading allows you to reduce the criteria for claims, and drastically boosts monthly payouts up to S$5,000 for long-term home nursing or nursing home stays.
- Payouts trigger when unable to perform 1 or 2 Activities of Daily Living (ADLs).
- Funded primarily via MediSave, minimizing cash outlay.
- Lifetime lifetime coverage protection options.
Best for: Individuals over 65 who wish to ensure they never become a financial burden to their immediate children.
Personal Accident & Mobility Care
Most medical insurance policies do not cover outpatient costs resulting from accidental falls or slips. This specific protection covers mobility devices, therapeutic aids, outpatient Traditional Chinese Medicine (TCM), and home modifications like grab bars.
- Covers up to S$10,000 in home retrofitting costs.
- Outpatient treatments covered with direct clinic billing.
- Includes licensed TCM practitioner consultations.
Best for: Highly active seniors who love walks, gardening, or traveling locally and independently.