AI-assisted policy comparison

Compare your own policy against the market.

Pick an AI assistant below. We open it with the extraction prompt preloaded, you drop in your policy document there, then either click the return link or paste whatever it gives you back here.

12
Things we check
7
Insurers compared
$71k
Max gap we can find
35–40%
Cheaper riders now
AI
Reads your policy
0
Data we store
The Family Builder sets age 35. Current slice: Private Tier / Rider. Top local Shield plans with riders. Best default when testing whether your policy can survive a private-hospital bill.
1
Open AI with prompt
Choose an assistant and drop in your policy document
2
Let AI extract terms
The answer ends with structured fields and a HealthShield return link
3
Land back in comparison
We load your policy and jump into the live insurer matrix
01
Chapter 1Section 1 of 3
🧾

Set Up Your Policy Review

Why this chapter matters

Define the hospital scenario, launch the AI extraction flow, then bring back either the return link or the full response that will drive every downstream comparison.

Inside this chapter
Scenario controlsAI extractionPolicy snapshot
How this chapter is organized

Start by setting the persona, hospital setting, and bill size. Then launch one AI assistant with the extraction prompt already loaded. When it finishes, either click the return link or paste the answer here. We keep the original document outside HealthShield SG and only use the structured terms you choose to provide.

The Family Builder sets age 35. Current slice: Private Tier / Rider. Top local Shield plans with riders. Best default when testing whether your policy can survive a private-hospital bill.
AI-assisted extraction

Launch AI and bring the answer back

Pick an assistant below, drop your policy document there, then either click the return URL it gives you or paste the full response here. HealthShield SG never receives the original document.

Start in your AI assistant
Each link opens the assistant with the HealthShield SG extraction prompt preloaded where supported, and also copies the prompt to your clipboard as a fallback. Once the chat opens, your only job is dropping in your policy document.
Prompt copied to clipboard on every click — paste it if the chat opens without text pre-filled (Gemini always needs a paste). Upload your policy document there, then click the return URL the AI prints at the end.
What gets extracted
Limits
Annual, room, outpatient
Cost sharing
Deductible, co-pay
Access
Ward, panel, LOG
Corporate
Portability risk
Live data
Loading
Bundled model inputs
Scenario
$22,000
Market-mix admission
Policy input
Waiting
Paste JSON, markdown, or a return link
Privacy
User controlled
No document upload to HealthShield SG
Next chapter: Read Your Policy
02
Chapter 2Section 2 of 3
🧠

Read Your Policy Like A Report

Why this chapter matters

Turn extracted insurer terms into a decision-ready briefing: what the plan covers, what you actually pay, what can still go wrong, and where premium pressure shows up later in life.

Inside this chapter
Awaiting AI JSONReport unlocks after extraction
What appears after you paste your AI JSON

This chapter becomes your report-quality policy briefing. It translates insurer wording into plain English first, keeps official terms in brackets, and separates strengths, costs, blind spots, claims workflow, and premium pressure into clear reading blocks.

01Key findings from your policy wording
02Your bill split: deductible, co-insurance, insurer share
03Coverage map, exclusions, and plain-English watch-outs
04Premium path vs MediSave limits and a claim journey walkthrough
Next chapter: Compare Against Market
03
Chapter 3Section 3 of 3
📊

Compare Against The Market

Why this chapter matters

Benchmark your extracted policy against live insurer rows so you can see the trade-offs in price, out-of-pocket risk, and value ranking under the same scenario.

Inside this chapter
Rank and gapPlan matrixMethodologyReference patterns
How to read this chapter

Use the ranking cards to see where your policy sits under the chosen scenario. Then inspect the plan matrix for line-by-line differences, and keep the methodology close so every score remains traceable to explicit assumptions.

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%
~3 of 25 clinical specialties may need off-panel referral — adds ~35% co-pay on those encounters.
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%
~12 of 25 specialties likely off-panel — expect 35%+ co-pay surcharges if your condition requires those specialists.
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%
~3 of 25 clinical specialties may need off-panel referral — adds ~35% co-pay on those encounters.
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.
These plans are tied on price — use these factors to decide
FactorIncome InsuranceRaffles Health InsuranceSinglifePrudential
Cashless claimYesYesYesYes
Pre-authorisationPanel onlyPanel onlyPanel onlyRequired
Panel doctors637206654814
Annual claim limit$2,000,000$2,000,000$2,000,000$2,000,000
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
#1Model rank 1 (lowest estimated 10Y cost)●Best in this row●Sub-limit hospital access●Off-panel / not coverednot statedNot found in uploaded policy🎯Expected 10-year cost section💸Your cash flows (deductible, premium, OOP)🏥Network access (hospitals, doctors)📋Policy terms (pre-auth, cashless, limits)
Metric
#1
Income Insurance
Enhanced IncomeShield Preferred
#2
Raffles Health Insurance
Raffles Shield Private Plan
#3
Singlife
Singlife Shield Plan 1
#4
Prudential
PRUShield Premier
#5
HSBC Life
HSBC Life Shield Plan A
#6
AIA
AIA HealthShield Gold Max A
#7
Great Eastern
GREAT SupremeHealth P Plus
🎯 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 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.
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 on-panel doctors. Below 90% means some specialties require off-panel referrals, adding ~35% to your co-pay for those encounters.
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
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.
FIDReC eligible
Free · up to $100k
↗ fidrec.com.sg
FIDReC eligible
Free · up to $100k
↗ fidrec.com.sg
FIDReC eligible
Free · up to $100k
↗ fidrec.com.sg
FIDReC eligible
Free · up to $100k
↗ fidrec.com.sg
FIDReC eligible
Free · up to $100k
↗ fidrec.com.sg
FIDReC eligible
Free · up to $100k
↗ fidrec.com.sg
FIDReC eligible
Free · up to $100k
↗ fidrec.com.sg
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
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
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
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
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
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
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
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.