Long-term IP premium guide
Will your Integrated Shield Plan premiums remain affordable in retirement?
Build a year-by-year scenario from your own current premiums and future assumptions, separating MediSave eligibility, minimum cash needs and retirement-period cash totals.Open lifetime affordability explorer →Separate three premium components first
- MediShield Life component
Official guidance says this component is fully MediSave-payable, although actual payment still depends on your account balance.
- Additional private IP component
MediSave use is subject to the Additional Withdrawal Limit for age next birthday; any excess is cash-funded.
- Optional rider premium
The explorer treats rider premiums as fully cash-funded.
Official withdrawal limits applied
| Age next birthday | Annual AWL per insured person |
|---|---|
| 40 or below | S$300 |
| 41–70 | S$600 |
| 71 or above | S$900 |
minimum cash = rider premium + max(0, private component − AWL)You must control future premiums
Insurers revise premiums and premiums generally change with age. The explorer stores no insurer price table and labels no growth rate as an official forecast. Enter your own annual growth assumptions or future age bands from your current premium schedule.
How to read the retirement scenario
- Working and retirement phases are separated only by the retirement age you enter
- Cash-to-income percentages use your entered current or retirement income and remain unavailable when income is zero
- The MediSave-balance scenario uses only your entered balance and annual net inflow; it infers no contributions, interest or other medical use
Data reliability and tool boundary
MOH notes that amounts can change when insurers revise premiums, and its lifetime-premium figures exclude MediShield Life and riders. Interest.sg therefore does not reproduce plan-level prices or compare, rank, quote, recommend, switch or cancel any plan. Use the CPF Health Insurance Planner for personalised official plan comparison.