About MediShield Life Singapore
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    • What are Integrated Shield Plans (IPs)
    • How to Know if My Employees Have an Integrated Shield Plan (IP)
    • Do My Employees Need an Integrated Shield Plan (IP)
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      • About Alson Kong
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  • Home
    • What is MediSave
    • What is MediShield Life
  • MediShield Life Premiums
    • How MediShield Life Premiums are Calculated
    • How to Calculate Your Employees’ MediShield Life Premiums
  • MediShield Life Coverage
  • Integrated Shield Plans
    • What are Integrated Shield Plans (IPs)
    • How to Know if My Employees Have an Integrated Shield Plan (IP)
    • Do My Employees Need an Integrated Shield Plan (IP)
  • Free Lunch Talks for Companies
    • MediShield Life and You
    • Your Free Lunch Talk: 'How to Benefit from MediShield Life'
    • Past Lunchtime Talks
  • About Us
    • About Alfred Chia
    • About the Team >
      • About Alson Kong
      • About Hassanuddin Bin Mohamed
      • About Wendy Koh
    • About SingCapital
  • Contact Us
  • FAQs
  • HR Resources

​Do My Employees Need an Integrated Shield Plan (IP)?

Much depends on what your individual employees want and whether it is financially prudent for them to take on this option.

If basic healthcare is all that they want and need, MediShield Life may be sufficient.

If they prefer a higher standard of healthcare – choosing the hospital, the ward, and even the doctor in times of need – then it will be better to look at an Integrated Shield Plan. Your employees can then buy riders so that they can be completely covered, and they won’t have to fork out a single cent.

In either case, with the wider coverage, premiums will be more expensive. It is essential for your employees to think for the long term, and ensure that they can sustain the premiums as they advance in age.

Lastly, do ask if your employees are wasting their Integrated Shield Plan. Like buying an airline’s business class ticket and choosing to sit economy, some of them may have bought themselves the privilege of an Integrated Shield Plan, and then choose to stay in a C Class ward when sick.
To make things clearer, there are a few questions that you can ask. How your employees answer the following questions will determine if they need an Integrated Shield Plan.
  • Which type of hospital or ward would they want to stay in?
  • Is the long-term cost (LTC) of the preferred plan affordable?
  • Would they want a plan that is as-charged or non-as-charged?
  • Do they have any pre-existing medical conditions?
  • Are there options if the current plan is unaffordable?​
Should your employee need personalised, professional advice, click here.
​
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MediShield Life Premiums
How MediShield Life Premiums are Calculated
How to Calculate Your Employees' MediShield Life Premiums
MediShield Life Coverage
​
Integrated Shield Plans

What are Integrated Shield Plans (IPs)?
How to Know If My Employees Have an Integrated Shield Plan (IP)?
Do My Employees Need an Integrated Shield Plan (IP)?

Free Lunch Talks for Companies
MediShield Life and You
Your Free Lunch Talk: 'How To Benefit From MediShield Life'​
​
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About Alfred Chia
About the Team
About SingCapital

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About Hassanuddin Bin Mohamed
About Wendy Koh
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SingCapital Pte Ltd
480 Lorong 6 Toa Payoh,
HDB Hub East Wing,
#11-01, S(310480)

Main Line: 6801 4088
Fax: 6801 4098
Email:  enquiry@singcapital.com.sg

​MAS Licence No.: FA100034-3
ROC No : 200508135N
GST No : 200508135N
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