Top 3 insurance companies in Singapore for hospitalization and critical illness coverage

Here’s a comparison of the top 3 insurance companies in Singapore for hospitalization and critical illness coverage:

Prudential PRUShield

Hospitalization Coverage:

• PRUShield Premier:
  • Annual Limit: S$1,200,000
  • Ward Entitlement: Private Hospital (Standard Room)
  • Pre-Hospitalisation: 180 days
  • Post-Hospitalisation: 365 days
  • Outpatient Benefits: As Charged
  • Living Organ Donor Transplant Benefit: S$60,000 per policy year
  • Overseas Medical Treatment: As charged, limited to charges in a Singapore Private Hospital
• Supplementary Plans:
  • PRUExtra Premier CoPay:
    • Eligibility: For Premier Plan
    • Hospital & Ward Entitlement: All Singapore Private Hospitals
    • Deductible: Covers 95% of Deductible Amount
    • Co-insurance: Covers half of Co-insurance
    • Stop-loss: S$3,000 for Panel providers
    • PRUPanel Connect: Available
    • Premium for aged 30: S$515

Critical Illness Coverage:

• PRUShield Plus:
  • Annual Limit: S$600,000
  • Ward Entitlement: Public Hospital (A Ward)
  • Pre-Hospitalisation: 180 days
  • Post-Hospitalisation: 365 days
  • Outpatient Benefits: As Charged
  • Living Organ Donor Transplant Benefit: S$40,000 per policy year
  • Overseas Medical Treatment: As charged, limited to charges in a Singapore Private Hospital

Great Eastern SupremeHealth

Hospitalization Coverage:

• GREAT SupremeHealth P Plus:
  • Annual Limit: S$1,500,000
  • Ward Entitlement: Private Hospital (Standard Room)
  • Pre-Hospitalisation: 120 days
  • Post-Hospitalisation: 365 days
  • Outpatient Benefits: As Charged
  • Living Organ Donor Transplant Benefit: Not specified
  • Overseas Medical Treatment: Not specified
• Supplementary Plans:
  • GREAT TotalCare (Elite or Classic):
    • Covers up to 95% of total hospitalisation bills
    • Post-hospitalisation treatment coverage for 365 days
    • Traditional Chinese Medicine treatments within 180 days of discharge
    • Medical aids for rehabilitation

Critical Illness Coverage:

• GREAT SupremeHealth A Plus:
  • Annual Limit: S$1,000,000
  • Ward Entitlement: Public Hospital (A Ward)
  • Pre-Hospitalisation: 120 days
  • Post-Hospitalisation: 365 days
  • Outpatient Benefits: As Charged
  • Living Organ Donor Transplant Benefit: Not specified
  • Overseas Medical Treatment: Not specified

AIA HealthShield Gold Max

Hospitalization Coverage:

• AIA HealthShield Gold Max A:
  • Annual Limit: S$2,000,000
  • Ward Entitlement: Private Hospital (Standard Room)
  • Pre-Hospitalisation: 13 months
  • Post-Hospitalisation: 13 months
  • Outpatient Benefits: As Charged
  • Living Organ Donor Transplant Benefit: Not specified
  • Overseas Medical Treatment: Emergency medical treatment outside Singapore
• Supplementary Plans:
  • AIA Max VitalHealth:
    • Post-hospitalisation home nursing benefit
    • Emergency and Outpatient Care Booster optional add-on

Critical Illness Coverage:

• AIA HealthShield Gold Max B:
  • Annual Limit: S$1,000,000
  • Ward Entitlement: Public Hospital (A Ward)
  • Pre-Hospitalisation: 180 days
  • Post-Hospitalisation: 180 days
  • Outpatient Benefits: As Charged
  • Living Organ Donor Transplant Benefit: Not specified
  • Overseas Medical Treatment: Emergency medical treatment outside Singapore

Comparison Table:

This comparison table provides an overview of the key features of each plan, including annual limits, ward entitlements, pre- and post-hospitalisation coverage, outpatient benefits, living organ donor benefits, overseas treatment, and supplementary plans. Each plan offers different levels of coverage and benefits, tailored to different needs and budgets.

Citations:

1. https://www.prudential.com.sg/products/health-insurance/medical/prushield
2. https://www.greateasternlife.com/sg/en/personal-insurance/our-products/health-insurance/great-supremehealth.html
3. https://www.moneysmart.sg/health-insurance/great-eastern
4. https://www.aia.com.sg/content/dam/sg/en/docs/product_brochures/medical-protection/aia-health-shield-gold-max-english-brochure.pdf
5. https://moneyiq.sg/critical-illness-insurance/
6. https://www.linkedin.com/pulse/11-best-early-late-stage-critical-illness-insurance-plans-hsifc
7. https://seedly.sg/reviews/health-insurance/prudential-prushield-integrated-shield-plan/
8. https://www.singsaver.com.sg/blog/best-integrated-shield-plans-singapore
9. https://www.moneysmart.sg/term-life/critical-illness-singapore-ms
10. https://www.greateasternlife.com/sg/en/customer-services/claims/medical-hospitalisation/make-a-new-claim.html
11. https://www.aia.com.sg/content/dam/sg-wise/en/docs/our-products/en/aia-health-shield-gold-max-english-brochure.pdf
12. https://www.moneysmart.sg/health-insurance
13. https://treeofwealth.sg/best-hospitalisation-integrated-shield-plans-singapore/
14. https://www.onsurity.com/blog/best-health-insurance-companies-india/
15. https://seedly.sg/reviews/health-insurance/
16. https://www.prudential.com.sg/-/media/project/prudential/pdf/prudential-shield-premium-rate-tables/prushield-and-pruextra-premium-tables-with-withdrawn-riders-1-apr-2025.pdf
17. https://www.moneysmart.sg/health-insurance/aia
18. https://www.dbs.com.sg/personal/marketplaces/listing/health-integratedshieldplans/health-integratedshieldplans-ISPPRU23
19. https://smartwealth.sg/best-early-critical-illness-insurance-singapore/
20. https://singlife.com/en/critical-illness-insurance/big-3-critical-illness
21. https://www.dbs.com.sg/personal/insurance/protection/protection-plans/ecriticalcare
22. https://plannerbee.co/best-critical-illness-insurance/

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