Your Shield Plan Covers the Bill.
But What About the Months After?
A major illness affects more than your hospital bill. Lost income. Recovery costs. Family commitments. This tool checks both your hospital and income protection gap — in 60 seconds.
🔍 Check Your Personal Coverage Gap
5 quick questions to calculate your hospital and income protection exposure.
📊 Your Results Are Ready
One last step to unlock your personalised gap report.
Under the new 2026 rules, riders no longer cover the S$3,500 deductible and the co-payment cap has doubled to S$6,000. Select a ward to see your real exposure:
Your Shield Plan covers the hospital bill. But if a serious illness keeps you out of work for months, who covers your income, recovery costs, and family commitments? That's what Early CI insurance is designed for.
Deductibles Are No Longer Covered by Riders
You now pay S$1,500–S$3,500 out of pocket before insurance kicks in.
🔴 Higher Out-of-PocketCo-payment Cap Doubled to S$6,000
For large hospital bills, your co-payment exposure has doubled.
🔴 Affects Major BillsThe Income Gap Remains Unaddressed
Shield Plan changes exposed the hospital bill risk. But the income and recovery gap from a serious illness has always been there — most people just haven't checked it.
🔴 Separate Risk, Separate Tool📋 Get Your Personalised Gap Review
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