| 🎯 Expected 10-Year Cost |
Expected 10Y Cost Model central estimate + 80% confidence band | $12,522 [$11,942–$13,103] ▲ BEST | $12,621 [$12,040–$13,201] ≈ tied | $12,965 [$12,385–$13,546] ≈ tied | $13,297 [$12,716–$13,877] ≈ tied | $13,890 [$13,309–$14,470] +$1,368 | $14,460 [$13,880–$15,041] +$1,938 | $14,746 [$14,166–$15,327] +$2,224 |
Total cost (relative) Bar width ∝ expected 10Y cost. Shorter = cheaper. | 85% of max | 86% of max | 88% of max | 90% of max | 94% of max | 98% of max | 100% of max |
Risk costs only Premium excluded — bars zoom to reveal risk-cost differences between plans | $489 $449$10$30 | $558 $488$40$30 | $356 $316$10$30 | $152 $72$0$80 | $115 $85$0$30 | $388 $348$10$30 | $159 $129$0$30 |
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| ▸ How the score is built |
Premium PV (10-yr) Premiums age 35–44 discounted at 3% pa | $12,073 | $12,133 | $12,649 | $13,225 | $13,804 | $14,113 | $14,617 |
Hospital OOP risk PV Admit rate × private-care share × expected OOP × 10 yrs | $44941% pvt · 4% admit/yr | $48841% pvt · 4% admit/yr | $31646% pvt · 4% admit/yr | | | $34845% pvt · 4% admit/yr | $12950% pvt · 4% admit/yr |
Doctor friction PV (1 − panel adequacy) × mismatch cost × annual visits × 10 | | | | | | | |
Continuity + process PV Panel churn disruption + pre-auth burden, annualised × 10 | | | | | | | |
Data confidence Source quality for panel adequacy inputs | | | | | | | |
| 💸 Your Cash Flows |
Annual premium At age 35 | $1,140 | $1,100 | $1,180 | $1,220 | $1,320 | $1,270 | $1,370 |
Premium growth Age-45 ÷ age-35 — how steeply premiums escalate over 10 years | 1.48× | 1.60× | 1.52× | 1.55× | 1.45× | 1.62× | 1.50× |
MediSave offset At age 35: how much of the premium can come from CPF MediSave — reducing your cash spend | $707/yr from MediSave $433/yr cash | $693/yr from MediSave $407/yr cash | $708/yr from MediSave $472/yr cash | $708/yr from MediSave $512/yr cash | $726/yr from MediSave $594/yr cash | $711/yr from MediSave $559/yr cash | $754/yr from MediSave $616/yr cash |
Your OOP (this bill) Deductible + co-pay on a $22k hospital bill | $4,425 | $4,425 | $4,425 | $4,425 | $4,425 | $4,425 | $4,425 |
OOP range Best case (deductible only) → worst case ($120k bill) | $3,500 – $9,325 worst at $120k bill | $3,500 – $9,325 worst at $120k bill | $3,500 – $9,325 worst at $120k bill | $3,500 – $9,325 worst at $120k bill | $3,500 – $9,325 worst at $120k bill | $3,500 – $9,325 worst at $120k bill | $3,500 – $9,325 worst at $120k bill |
| 🏥 Network Access |
Private hosp. full cover Count of 7 key private hospitals with full panel coverage. Only meaningful on the private coverage tier — Standard/Public-A/Public-B tiers are structurally restricted from full private cover. | | | | | | | |
Panel doctors Total panel & partner doctors on network | 637 | 206 | 654 | 814 | 807 | 594 | 779 |
Specialty adequacy % of clinical specialties with on-panel doctors. Below 90% means some specialties require off-panel referrals, adding ~35% to your co-pay for those encounters. | | | | | | | |
| 📋 Policy Terms |
Pre-authorisation Do you need insurer approval before hospital admission? | Panel only | Panel only | Panel only | Always required | Panel only | Panel only | Panel only |
Cashless claim No upfront payment at panel hospitals | Yes ✓ | Yes ✓ | Yes ✓ | Yes ✓ | Yes ✓ | Yes ✓ | Yes ✓ |
Room sub-limit Maximum covered ward class at private hospitals | As-charged (private / Ward A intent) | As-charged (private / Ward A intent) | As-charged (private / Ward A intent) | As-charged (private / Ward A intent) | As-charged (private / Ward A intent) | As-charged (private / Ward A intent) | As-charged (private / Ward A intent) |
Surgeon fee cap Maximum surgeon fee covered per procedure | As-charged (panel) | As-charged (panel) | As-charged (panel) | As-charged (panel) | As-charged (panel) | As-charged (panel) | As-charged (panel) |
Annual claim limit Maximum total claims per policy year | $2,000,000 | $2,000,000 | $2,000,000 | $2,000,000 | $2,000,000 | $2,000,000 | $2,000,000 |
New-buyer waiting period Conditions diagnosed or treated during this window are not covered. MAS mandates 30 days minimum across all ISPs; mental health exclusions extend to 12 months for some insurers; pre-existing conditions may be excluded permanently. | 30 days (general) 12 months (mental health) Pre-existing: check policy | 30 days (general) 12 months (mental health) Pre-existing: check policy | 30 days (general) 12 months (mental health) Pre-existing: check policy | 30 days (general) 12 months (mental health) Pre-existing: check policy | 30 days (general) 12 months (mental health) Pre-existing: check policy | 30 days (general) 12 months (mental health) Pre-existing: check policy | 30 days (general) 12 months (mental health) Pre-existing: check policy |
Claim dispute resolution All Singapore shield-plan insurers must participate in FIDReC — the independent Financial Industry Disputes Resolution Centre. If your claim is rejected, you can raise a case at no cost (up to $100,000). Per-insurer dispute rates are not publicly disclosed by MAS for individual ISP products. | | | | | | | |
