
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.
5 quick questions to calculate your hospital and income protection exposure.
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.
You now pay S$1,500–S$3,500 out of pocket before insurance kicks in.
🔴 Higher Out-of-PocketFor large hospital bills, your co-payment exposure has doubled.
🔴 Affects Major BillsShield 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
Thank you, —. A MAS-licensed adviser will contact you within 1 business day to walk through your personalised gap report.