Insurance cover
Enter your age, pay and spending to get starting figures for cover and what MediSave pays.
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Show the figures for every year
How this is worked out
- Death and total permanent disability. About 10 times yearly spending.
- Early critical illness. About 3 years of pay.
- Premiums. No more than about 10% of take-home pay in total.
- Rules of thumb, not advice. With no dependants and no debts you may need far less. A sole breadwinner with a home loan may need more.
Hospital cover comes first
- MediShield Life. Every Singaporean and permanent resident has it. It is sized for B2 and C wards in public hospitals and is paid fully from MediSave.
- Integrated Shield Plan. Adds private cover for higher wards.
- MediSave for the private part. Up to 300 a year if you are 40 or under on your next birthday, 600 from 41 to 70, and 900 from 71. The rest is paid in cash.
- Riders. Paid in cash.
- Source. MediSave figures are from the Ministry of Health page last updated 30 April 2026.
Choosing a plan
- Term insurance. Cover for a set period at a low price.
- Whole life. Combines cover with savings and costs several times more for the same cover.
- Compare prices. The Ministry of Health publishes a comparison of Integrated Shield Plans. compareFIRST (comparefirst.sg) lists life insurance prices across insurers.