Integrated Shield Plan (IP)

MOH explains that the private component is aimed at higher ward classes or private hospitals. The insurer handles the integrated premium and claim process.

An individual IP and an employer’s group plan are different arrangements. Ask how claims should be coordinated and what cover remains after employment ends.

Do not assume another person’s citizenship, residency or health history gives them the same private-plan eligibility. Confirm individual eligibility and terms directly with the relevant insurer.