INTEGRATED SHIELD PLAN

Protect Your Health with
Integrated Shield Plan

Enhanced hospital coverage. Greater peace of mind. Options tailored to suit your healthcare needs.

At Straits Alliance, we work with more than 15 reputable insurers to help you compare and find an Integrated Shield Plan (ISP) that fits your healthcare requirements and financial goals.

✅ Request multiple quotes easily
✅ Compare premiums, benefits, and hospitalisation coverage
✅ Get recommendations based on your needs

GET A QUOTE

Why Should You Get Integrated Shield Plan?

.

Compare Integrated Shield Plan Providers

.

WHY GET AN INTEGRATED SHIELD PLAN?

Enhance Your Healthcare Protection with Comprehensive Hospitalisation Coverage

As-Charged Coverage

As-Charged Coverage allows you to claim your full hospitalisation expenses without being limited by sub-limits on hospital stay, diagnostics, or treatments.

Pre- and Post- Hospitalisation

Integrated Shield Plans (ISP) allow you to claim for treatments, consultations, and diagnostic fees incurred before and after your hospital stay or eligible day surgery procedures.

Freedom to Choose Your Specialist

An Integrated Shield Plan (ISP) gives you the flexibility to seek treatment as a private patient, allowing you to choose your preferred specialist with coverage up to your plan limits.

Lower Co-Payment and Deductibles

By adding a rider to your Integrated Shield Plan, you can reduce your co-insurance costs and potentially waive deductibles, helping to limit your out-of-pocket medical expenses when needed.

COMPARE AND GET QUOTES FROM DIFFERENT
INTEGRATED SHIELD PLAN PROVIDERS

We help you to compare quotes and find the best Integrated Shield Plan that fits your needs.

OTHER FEATURES OF INTEGRATED SHIELD PLAN

Cashless Payment

Benefit from pre-authorisation and cashless admission for your hospitalisation, ensuring you are not faced with any unexpected upfront bills when treatment is needed.

Single Ward with Air-Conditioning

Recover in comfort with the option to stay in a 4-bedder or even a single-bed ward, complete with air-conditioning for a more restful hospital stay.

Guaranteed Renewability

Integrated Shield Plans offer guaranteed yearly renewal for all policyholders, regardless of the number or value of claims made.

GET A QUOTE

IMPORTANT CONSIDERATIONS WHEN CHOOSING AN INTEGRATED SHIELD PLAN

Panel vs Non-Panel Specialist Co-Payment
Be aware that co-payment amounts differ when you consult a panel specialist compared to a non-panel specialist under your Integrated Shield Plan.
Claim-Based vs Non-Claim-Based Pricing
Understand the distinction between insurers that adjust premiums based on your claims (claim-based pricing) and those that maintain standard premium rates (non-claim-based pricing) for private hospital plans.
Premium Adjustments
Premiums are not guaranteed and may be revised over time, influenced by industry-wide claims experience and medical cost inflation.

Get Integrated Shield Plan Quotes

FREQUENTLY ASKED QUESTIONS

There’s no wrong or right answer to this, if you can afford and would like to receive better hospitalisation care beyond your working years, it may be wise to still get an integrated shield plan even though you’re covered by your company since your company insurance may terminate if you are no longer working there, the integrated shield plan can be an affordable insurance to fall back on throughout your life. Otherwise, you will still have your medishield life to provide for basic hospitalisation expenses even without an integrated shield plan

Protect Your Health with Integrated Shield Plan