![Straits_Alliance[1].png](https://static.wixstatic.com/media/a8f640_cf07c878d7994dfc8d35eda75e6aa586~mv2.png/v1/crop/x_0,y_19,w_2084,h_489/fill/w_243,h_57,al_c,q_85,usm_0.66_1.00_0.01,enc_avif,quality_auto/Straits_Alliance%5B1%5D.png)
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
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.
INTEGRATED SHIELD PLAN
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.
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.
