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HealthShield SG by TenFold — Educational tool only. Not financial or medical advice. Always verify figures with your insurer before purchasing.

Singapore ISP Comparison · April 2026

Same night.
Different insurer.

Your story persona sets the bill size, modeled age, and admission-risk weighting. Choose the plan type to compare.Your persona sets the bill, age, and risk weighting. Choose the plan type to compare.

4
Plans
7
Insurers
16¢
Govt covers
84%
Private gap
$9.5k
Max OOP/yr
$42/mo
Full Shield
Persona
Placental abruption — emergency C-section · modeled at age 35 with a $22,000 bill.
Plan Type
Private-tier Shield plans with riders. Once the bill cap is standardized, the ranking mostly comes from premium, panels, and hospital access.
Modeled age
Age 35
Bill scenario
$22,000
Official plan
Integrated Shield Plan + Rider
Compare slice
Private Tier · Rider
Loading live insurer and official-source data from Firestore.
Hospital Coverage Map
PublicPrivate (panel)Sub-limit riskOff-panel
Singapore road map
Hover a row below to highlight that insurer's panel.Tap a row below to highlight that insurer's panel.·Tap a hospital to filter the comparison by that hospital.
All Full Shield plans have the same out-of-pocket cost on this bill. MOH standardised the mechanics from April 2026: $3,500 deductible + 5% co-pay capped at $6,000/yr on panel. The only levers are premium and panel access. ClickTap a hospital above to reveal shortfall differences.
10-Year Value Model
Lower score = lower discounted premium + lower expected access loss.
The Family BuilderAge 35Capped BillsIntegrated Shield Plan + Rider
Automatic weighting: The Family Builder sets age 35, a $22,000 placental abruption — emergency c-section bill, and a Singapore private-hospital market mix.
The displayed order uses raw score. Plans whose score bands overlap the leader are marked as effectively tied.
#1 Raw leader
Income Insurance
Model score
$12,522
±$581
Premium PV$12,073
Access risk PV$449
Score range$11,942 to $13,103
Hospital access60%
Doctor-panel adequacy88%
Panel method: Total panel fallback (MOH 2024 benchmark)
Lowest raw score, but not decisively ahead once model uncertainty is included.
#2 Effectively tied
Raffles Health Insurance
Model score
$12,621
±$581
Premium PV$12,133
Access risk PV$488
Score range$12,040 to $13,201
Hospital access58%
Doctor-panel adequacy50%
Panel method: Total panel fallback (MOH 2024 benchmark)
Within the leader band (±$581).
#3 Effectively tied
Singlife
Model score
$12,965
±$581
Premium PV$12,649
Access risk PV$316
Score range$12,385 to $13,546
Hospital access75%
Doctor-panel adequacy90%
Panel method: Total panel fallback (MOH 2024 benchmark)
Within the leader band (±$581).
4 insurers are effectively tied with the current leader once model uncertainty is included. Raw order still follows score, but overlapping bands mean the ranking is not decisive.
Expected 10-Year Cost · Confidence Bands
Each bar = 80 % confidence band. Dot = central estimate. Overlap with leader band = statistical tie.
$12,000
$13,500
$15,000
Income Insurance
$12,522▲ Best
Raffles Health Insurance
$12,621+$99≈ tied
Singlife
$12,965+$443≈ tied
Prudential
$13,297+$775≈ tied
HSBC Life
$13,890+$1,368
AIA
$14,460+$1,938
Great Eastern
$14,746+$2,224
80% confidence band
Tied with leader (bands overlap)
Leader's band (tie zone)
Plan Comparison Matrix
Plans as columns · scroll right on mobile · green = best in row
Metric
#1
Income Insurance
Enhanced IncomeShield Preferred
Plan source ↗Rider ↗
#2
Raffles Health Insurance
Raffles Shield Private Plan
Plan source ↗Rider ↗
#3
Singlife
Singlife Shield Plan 1
Plan source ↗Rider ↗
#4
Prudential
PRUShield Premier
Plan source ↗Rider ↗
#5
HSBC Life
HSBC Life Shield Plan A
Plan source ↗Rider ↗
#6
AIA
AIA HealthShield Gold Max A
Plan source ↗Rider ↗
#7
Great Eastern
GREAT SupremeHealth P Plus
Plan source ↗Rider ↗
🎯 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
Hospital OOP risk PV
Doctor panel friction PV
Continuity + process PV
▸ 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
$449
41% pvt · 4% admit/yr
$488
41% pvt · 4% admit/yr
$316
46% pvt · 4% admit/yr
$72
52% pvt · 4% admit/yr
$85
51% pvt · 4% admit/yr
$348
45% pvt · 4% admit/yr
$129
50% pvt · 4% admit/yr
Doctor friction PV
(1 − panel adequacy) × mismatch cost × annual visits × 10
$10
Adequacy: 88%
$40
Adequacy: 50%
$10
Adequacy: 90%
$0
Adequacy: 100%
$0
Adequacy: 100%
$10
Adequacy: 85%
$0
Adequacy: 98%
Continuity + process PV
Panel churn disruption + pre-auth burden, annualised × 10
$30
Retention: 100%
$30
Retention: 100%
$30
Retention: 100%
$80
Retention: 100%
$30
Retention: 100%
$30
Retention: 100%
$30
Retention: 100%
Data confidence
Source quality for panel adequacy inputs
40%
Basic estimate
40%
Basic estimate
40%
Basic estimate
40%
Basic estimate
40%
Basic estimate
40%
Basic estimate
40%
Basic estimate
💸 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-payable
% of premium coverable from CPF MediSave — reduces cash outlay
62%63%60%58%55%56%55%
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
🏥 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.
2 / 7
1 / 7
3 / 7
7 / 7
6 / 7
4 / 7
6 / 7
Panel doctors
Total panel & partner doctors on network
637206654814807594779
Specialty adequacy
% of clinical specialties with meaningful panel coverage
88%
50%
90%
100%
100%
85%
98%
📋 Policy Terms
Pre-authorisation
Do you need insurer approval before hospital admission?
Panel onlyPanel onlyPanel onlyAlways requiredPanel onlyPanel onlyPanel 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
Green = best in row. Amber background with "not stated" = field not extracted from uploaded policy; treat as approximate. Expected 10Y Cost = central model estimate discounting premiums at 3% pa. Risk bar normalized to highest-risk plan — shorter = lower non-premium risk cost. OOP = deductible + co-pay at the modeled bill. All costs in today's SGD.
Mobile comparison
Ranked plans as vertical cards, with every table row kept visible.
Green marks the best value for each metric. The desktop matrix is unchanged on wider screens.
#1
Income Insurance
$12,522
#2 tied
Raffles Health Insurance
$12,621
#3 tied
Singlife
$12,965
#4 tied
Prudential
$13,297
#5
HSBC Life
$13,890
#6
AIA
$14,460
#7
Great Eastern
$14,746
#1 Best value

Income Insurance

Enhanced IncomeShield Preferred
Plan source ↗Rider source ↗
10Y score
$12,522
Range $11,942 to $13,10385% of max
Your cash flows
Annual premium
Age 35
$1,140
Premium growth
Age 45 / age 35
1.48×
MediSave-payable
Reduces cash outlay
62%
Your OOP
On a $22k hospital bill
$4,425
Model breakdown
Risk costs only$489
Hosp $449Dr $10Process $30
Premium PV (10-yr)
$12,073
Hospital OOP risk PV
41% private use · 4% admit/yr
$449
Doctor friction PV
Adequacy 88%
$10
Continuity + process PV
Retention 100%
$30
Data confidence
Basic estimate
40%
Network access
Private hosp. full cover
7 key private hospitals
2 / 7
Panel doctors
637
Specialty adequacy
88%
Policy terms
Pre-authorisation
Panel only
Cashless claim
Yes
Room sub-limit
As-charged (private / Ward A intent)
Surgeon fee cap
As-charged (panel)
Annual claim limit
$2,000,000
#2 Effectively tied

Raffles Health Insurance

Raffles Shield Private Plan
Plan source ↗Rider source ↗
10Y score
$12,621
≈ tied
Range $12,040 to $13,20186% of max
Your cash flows
Annual premium
Age 35
$1,100
Premium growth
Age 45 / age 35
1.60×
MediSave-payable
Reduces cash outlay
63%
Your OOP
On a $22k hospital bill
$4,425
Model breakdown
Risk costs only$558
Hosp $488Dr $40Process $30
Premium PV (10-yr)
$12,133
Hospital OOP risk PV
41% private use · 4% admit/yr
$488
Doctor friction PV
Adequacy 50%
$40
Continuity + process PV
Retention 100%
$30
Data confidence
Basic estimate
40%
Network access
Private hosp. full cover
7 key private hospitals
1 / 7
Panel doctors
206
Specialty adequacy
50%
Policy terms
Pre-authorisation
Panel only
Cashless claim
Yes
Room sub-limit
As-charged (private / Ward A intent)
Surgeon fee cap
As-charged (panel)
Annual claim limit
$2,000,000
#3 Effectively tied

Singlife

Singlife Shield Plan 1
Plan source ↗Rider source ↗
10Y score
$12,965
≈ tied
Range $12,385 to $13,54688% of max
Your cash flows
Annual premium
Age 35
$1,180
Premium growth
Age 45 / age 35
1.52×
MediSave-payable
Reduces cash outlay
60%
Your OOP
On a $22k hospital bill
$4,425
Model breakdown
Risk costs only$356
Hosp $316Dr $10Process $30
Premium PV (10-yr)
$12,649
Hospital OOP risk PV
46% private use · 4% admit/yr
$316
Doctor friction PV
Adequacy 90%
$10
Continuity + process PV
Retention 100%
$30
Data confidence
Basic estimate
40%
Network access
Private hosp. full cover
7 key private hospitals
3 / 7
Panel doctors
654
Specialty adequacy
90%
Policy terms
Pre-authorisation
Panel only
Cashless claim
Yes
Room sub-limit
As-charged (private / Ward A intent)
Surgeon fee cap
As-charged (panel)
Annual claim limit
$2,000,000
#4 Effectively tied

Prudential

PRUShield Premier
Plan source ↗Rider source ↗
10Y score
$13,297
≈ tied
Range $12,716 to $13,87790% of max
Your cash flows
Annual premium
Age 35
$1,220
Premium growth
Age 45 / age 35
1.55×
MediSave-payable
Reduces cash outlay
58%
Your OOP
On a $22k hospital bill
$4,425
Model breakdown
Risk costs only$152
Hosp $72Dr $0Process $80
Premium PV (10-yr)
$13,225
Hospital OOP risk PV
52% private use · 4% admit/yr
$72
Doctor friction PV
Adequacy 100%
$0
Continuity + process PV
Retention 100%
$80
Data confidence
Basic estimate
40%
Network access
Private hosp. full cover
7 key private hospitals
7 / 7
Panel doctors
814
Specialty adequacy
100%
Policy terms
Pre-authorisation
Always required
Cashless claim
Yes
Room sub-limit
As-charged (private / Ward A intent)
Surgeon fee cap
As-charged (panel)
Annual claim limit
$2,000,000
#5 Ranked

HSBC Life

HSBC Life Shield Plan A
Plan source ↗Rider source ↗
10Y score
$13,890
+$1,368
Range $13,309 to $14,47094% of max
Your cash flows
Annual premium
Age 35
$1,320
Premium growth
Age 45 / age 35
1.45×
MediSave-payable
Reduces cash outlay
55%
Your OOP
On a $22k hospital bill
$4,425
Model breakdown
Risk costs only$115
Hosp $85Dr $0Process $30
Premium PV (10-yr)
$13,804
Hospital OOP risk PV
51% private use · 4% admit/yr
$85
Doctor friction PV
Adequacy 100%
$0
Continuity + process PV
Retention 100%
$30
Data confidence
Basic estimate
40%
Network access
Private hosp. full cover
7 key private hospitals
6 / 7
Panel doctors
807
Specialty adequacy
100%
Policy terms
Pre-authorisation
Panel only
Cashless claim
Yes
Room sub-limit
As-charged (private / Ward A intent)
Surgeon fee cap
As-charged (panel)
Annual claim limit
$2,000,000
#6 Ranked

AIA

AIA HealthShield Gold Max A
Plan source ↗Rider source ↗
10Y score
$14,460
+$1,938
Range $13,880 to $15,04198% of max
Your cash flows
Annual premium
Age 35
$1,270
Premium growth
Age 45 / age 35
1.62×
MediSave-payable
Reduces cash outlay
56%
Your OOP
On a $22k hospital bill
$4,425
Model breakdown
Risk costs only$388
Hosp $348Dr $10Process $30
Premium PV (10-yr)
$14,113
Hospital OOP risk PV
45% private use · 4% admit/yr
$348
Doctor friction PV
Adequacy 85%
$10
Continuity + process PV
Retention 100%
$30
Data confidence
Basic estimate
40%
Network access
Private hosp. full cover
7 key private hospitals
4 / 7
Panel doctors
594
Specialty adequacy
85%
Policy terms
Pre-authorisation
Panel only
Cashless claim
Yes
Room sub-limit
As-charged (private / Ward A intent)
Surgeon fee cap
As-charged (panel)
Annual claim limit
$2,000,000
#7 Ranked

Great Eastern

GREAT SupremeHealth P Plus
Plan source ↗Rider source ↗
10Y score
$14,746
+$2,224
Range $14,166 to $15,327100% of max
Your cash flows
Annual premium
Age 35
$1,370
Premium growth
Age 45 / age 35
1.50×
MediSave-payable
Reduces cash outlay
55%
Your OOP
On a $22k hospital bill
$4,425
Model breakdown
Risk costs only$159
Hosp $129Dr $0Process $30
Premium PV (10-yr)
$14,617
Hospital OOP risk PV
50% private use · 4% admit/yr
$129
Doctor friction PV
Adequacy 98%
$0
Continuity + process PV
Retention 100%
$30
Data confidence
Basic estimate
40%
Network access
Private hosp. full cover
7 key private hospitals
6 / 7
Panel doctors
779
Specialty adequacy
98%
Policy terms
Pre-authorisation
Panel only
Cashless claim
Yes
Room sub-limit
As-charged (private / Ward A intent)
Surgeon fee cap
As-charged (panel)
Annual claim limit
$2,000,000
Methodology — How Every Dollar Is Calculated
Click any card to expand the formula and see exactly how the model attaches a dollar value to each cost component.

Disclaimer: Compare defaults are bundled into the app, with live Firestore insurer and official-source data overriding them when available. Live insurer pages are linked from each row — always verify before purchasing. Sub-limit shortfall is still approximated at 18% of bill; actual gaps vary by treatment, ward, and insurer benchmark schedule. The 10-year value model discounts future premiums at 3% and adds expected access losses from hospital panel gaps, doctor-panel mismatch, and pre-authorisation friction. It does not monetize room comfort, brand, or anecdotal service quality. Scores with overlapping uncertainty bands are treated as effectively tied.