How to Get Better Coverage for Health Insurance in Singapore
                     How to Get Better Coverage for Health Insurance in Singapore 
 
Of course we all know about Medishield, but often this basic hospitalization plan leaves much to be 
desired. If you conduct a research among the seven main private health insurance providers in 
Singapore you will get the exact coverage you are looking for. Some of these providers also cover 
existing ailments like heart disease, diabetes and others. 
All SCs and PRs can now afford MediShield  Life, providing them with lifetime basic health care. The 
cost of the premiums is kept reasonable, and other assistance programs are also made accessible. 
However, in Singapore, simply possessing MediShield Life is insufficient to guarantee your health 
coverage. 
Since MediShield Life has claim caps and is subject to deductibles and co-payments which are 
amounts that the insured must pay out of their pocket, it will not be able to fully cover the cost of 
the hospital stay. Additionally, due to Singapore's newly reorganized hospitals' limited capacity, the 
length of time you must wait before receiving treatment will depend on the urgency of your ailment 
and the length of the line ahead of you. 
You would probably have to wait longer for treatment if you chose Singapore's public healthcare 
system than if you went to a private healthcare facility. However, doing so can result in up to a 
fivefold increase in treatment expenses. One would do good to be protected by a private health 
insurance, such as an Integrated Shield Plan, in order to have access to private healthcare options 
without being burdened by the expenditures. 
The primary advantages of private IP plans above the standard MediShield Life coverage include 
larger annual limits and pre- and post-hospitalization coverage. By purchasing a rider connected to 
the private IP plan, additional benefits can also be increased; we'll talk more about that later. Hence, 
in order to get a comprehensive hospitalization plan you should try to combine basic Medishield 
with Integrated Shield Plans. This will ensure that you get hospital treatment soon and easily without 
digging a major hole in your pocket.