Integrated Shield Plans

Up to $120 Back + Free Cover for Children*

Applicable for new or renewal policies

Find out how

How do I get
the Integrated Shield Promotions?

Apply for new plan

Apply for a New Plan

Get up to $40 cashback and $80 in vouchers

Appoint Us as Adviser

Appoint us as your Servicing Adviser

Get up to $40 cashback and $80 in vouchers. No change to policy terms

InsureDIY is dedicated to ensuring that you and your family are well covered. Simply appoint us as your Integrated Shield adviser for your existing policy today or apply for an Integrated Shield Plan through InsureDIY and get rewarded! 

On top of this, get free Integrated Shield cover for your children*.

  • Up to $40 instant cashback#
  • $80 in InsureDIY vouchers to offset your Motor, Travel and Domestic Helper Insurance premiums#+

# Cashback amount depends on the total Integrated Shield Plan premiums at the last renewal. See table below. Valid till [partialf201748d-3547-4a30-831d-35f1ea563aeb].

Promotion Details


Integrated Shield Premium***
(Income or Raffles Health plans only)

Cashback & Vouchers
$500 - $699 $20 + $80 in InsureDIY vouchers 
$700 - $999 $25 + $80 in InsureDIY vouchers 
$1,000 and higher $40 +$80 in InsureDIY vouchers 


*** Refers to the total premium for your Integrated Shield plan and Shield rider at application with us or at the next premium payment. New successful applications under Aviva, Income and Raffles Health policies are eligible for the promotion.
Only Income or Raffles Health Shield existing policies are eligible for the promotion after successfully appointing InsureDIY as the servicing adviser.
Instant Cashback is only available to existing InsureDIY customers who have bought at least 1 life insurance policy through InsureDIY at the time the Shield plan is transferred to InsureDIY. We will send you your Instant Cashback within 1 month after InsureDIY has been appointed as your servicing adviser. If you are not an existing InsureDIY life insurance customer, the cashback will be paid to you within 1 month of your first policy renewal with us.  Promotion is subject to change without notice. 

#+ $80 InsureDIY vouchers are not to be used in conjunction with other InsureDIY promotions but may be used on top of Insurer's promotions. Multiple InsureDIY vouchers cannot be used together in a single purchase. Applicants below the age of 21 are not eligible for the vouchers. The vouchers comprise:

  • $10 Annual Travel Insurance Voucher
  • $40 Motor Insurance Voucher
  • $30 Domestic Helper Insurance Voucher

Promotion valid till [partialf201748d-3547-4a30-831d-35f1ea563aeb]

joyful girl with ukelele shield plan

Referral Program

The Integrated Shield Plans are also eligible for the Refer a Friend program. Refer your friends and family to apply for a new plan, or if they have an existing plan and appoint us as their servicing advisor and get DIY$10 for each referral.

DIY$ can be exchanged for vouchers including InsureDIY vouchers, NTUC Fairprice and Cold Storage vouchers. Check out our rewards catalogue here.

How to refer:
Simply ask your friend to key in your referral code when they apply for their Integrated Shield Plan here or let us know through email if they are appointing us as their servicing adviser.

Referral Reward
DIY$10 each

* Only applicable if your friend has not bought any insurance policy through InsureDIY before. DIY$ will only be awarded after your friend's free-look period.

What is an 
Integrated Shield plan

If you are a Singaporean or a PR, you are automatically covered under our national medical insurance scheme: MediShield Life.

MediShield Life, however, was only designed as a basic cover to pay for hospital stays in Class B2/C wards. These are 6 to 9 beded wards. MediShield also does not cover pre and post hospitalisation claim.

To improve the basic MediShield Life cover, over 60% of Singaporeans have bought a private Integrated Shield Plan. These plans are offered by insurers like Income and Aviva. The policy cover can be improved even further by adding a rider that will cover most of the deductible and co-insurance amount under the Integrated Shield Plan.

Can MediSave be used to pay for my Integrated Shield Plan?

As an Integrated Shield Plan provides additional insurance coverage, there will be additional premium that has to be paid using your MediSave up to an a certain amount (Additional Withdrawal Limit). The excess amount will have to be topped up in cash. Having an additional Integrated Shield Plan will provide you the option to choose the type of wards, doctors and hospitals in public and private hospitals.

You can also use your MediSave to pay for your children's Integrated Shield premiums.

How much
coverage should you buy?

This really depends on the type of hospital you would like to stay in:

  • Private hospitals;
  • Class A wards; or
  • Class B1 wards

If you wish to limit your exposure to really large hospital bills, buying a rider to cover some of the co-payment would be ideal. 

Here are some common questions
about Integrated Shield Plans

1. Are the premium rates guaranteed from year to year?

No, the premium rates may change from time to time and are not guaranteed. The product is guaranteed renewable, however, which means that the insurer has to offer you the product the following year if you are already a policyholder. 


2. How much of my MediSave can I use for Integrated Shield Plans?

These are the MediSave withdrawal limits for Integrated Shield plans:

$300 if you are 40 years old or younger on your next birthday
$600 if you are 41 to 70 years old on your next birthday
$900 if you are 71 years or older on your next birthday


3. Can foreigners apply for an Integrated Shield Plan?

Yes, as long as you are resident in Singapore.


4. Appoint InsureDIY as Adviser


For Income policyholders, we will be triggering a request in Income's system. Please input your NRIC, handphone number and email in this form. You will receive an SMS from Income with a link to proceed. During the process, you will be asked to select the policy to change adviser.

For Raffles Health policyholders, download the Change in Adviser Form here and email it back to us. If you have been referred to us, please include the Referral Code in your email. Your existing policy terms & conditions will remain the same as before. InsureDIY will be appointed to service your policy and claims.

Logo RafflesHealth


InsureDIY is a Broker licensed by the Monetary Authority of Singapore and is an Exempt Financial Adviser. This advertisement has not been reviewed by the Monetary Authority of Singapore.

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