Official reference data
Integrated Shield Plan Premium Affordability Rules
A release-controlled reference for the Interest.sg IP Lifetime Affordability Explorer. It records official MediSave and Additional Withdrawal Limit treatment while keeping all plan premiums and future changes user-entered; no insurer price table, ranking or recommendation is provided.
Current — verified
View machine-readable JSONSource date: · Last successful check:
Additional Withdrawal Limits
| Age next birthday | Annual limit | Scope |
|---|---|---|
| 40 and below | S$300 | Additional private insurance component only |
| 41 to 70 | S$600 | Additional private insurance component only |
| 71 and above | S$900 | Additional private insurance component only |
Why insurer premium tables are not packaged
| Official evidence | Reliability boundary |
|---|---|
| MOH comparison snapshot | Lifetime figures are based on insurer tables as at 1 June 2026, exclude MediShield Life and riders, and may change as insurers revise premiums |
| CPF Health Insurance Planner | The official authenticated planner already provides plan comparisons and long-term projections using member-selected inflation assumptions |
| Interest.sg treatment | No insurer, plan or policy identifiers; no plan-level prices, rankings or switching recommendations; all premium amounts and future assumptions come from the user |
Projection and privacy boundary
| Planning item | Treatment |
|---|---|
| Future premiums | Uses a user-entered age-band schedule or user-entered growth assumptions; never labels either as an official forecast |
| MediSave balance | Optional user-entered balance and annual net inflow; no CPF contribution, medical-use or interest forecast is inferred |
| Financial Profile | Only bounded aggregate premium, MediSave, income and retirement facts may be proposed after explicit approval; no insurer, product or policy identifiers |
Related calculators
Official sources
- CPF Board — Integrated Shield PlanCentral Provident Fund Board · verified 2026-09-05
- MOH — About Integrated Shield PlansMinistry of Health · verified 2026-09-05
- MOH — Comparison of Integrated Shield PlansMinistry of Health · verified 2026-09-05
- MOH — Health Insurance PlannerMinistry of Health · verified 2026-09-05
- MoneySense — Understanding Health InsuranceMoneySense / Monetary Authority of Singapore · verified 2026-09-05
Official data can change. Open the sources above to confirm the latest rules before acting; Interest.sg never estimates missing official values.
Suggested citation: Interest.sg, “Integrated Shield Plan Premium Affordability Rules”, source date 2026-08-05, last successful check 5 Sept 2026.