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With rising medical costs, having adequate medical insurance is the most important insurance cover for you and your family. Up to 60% of Singaporeans have Integrated Shield plans but most do not know their exact coverage.


InsureDIY is dedicated to ensuring that you and your family are well covered. From now till 31 July 2019, 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!


  • Up to $50 instant cashback#
  • $80 in InsureDIY vouchers to offset your Motor, Travel and Domestic Helper Insurance premiums#+
  • 5 DIY Points for every Shield plan referral 
  • Free review of your entire family's medical insurance coverage
  • Comprehensive claims assistance by a team  

Example: Mr A appoints InsureDIY and

refers his Wife and Two Children

Cash & Voucher Rewards

Mr. A's Referral Points Reward


Mr. A

appoints InsureDIY as his adviser for his NTUC Income Shield Plan with

total Premium of $1,100 



$80 InsureDIY Vouchers



Mrs. A

appoints InsureDIY as her adviser for her NTUC Income Shield Plan with

total Premium of $1,200 using Mr. A's referral code



$80 InsureDIY Vouchers

5 DIY Referral


boygirl 1

Their 2 children

 parents appoint InsureDIY as advisers for their NTUC Income Shield Plan with total Premium of $300 using Mr. A's referral code


10 DIY Referral Points
Total Immediate Cashback and points: 


$100 + $160 InsureDIY Vouchers + 15 DIY Points =

$275 in value!




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# Cashback amount depends on the total Intergrated Shield Plan premiums at the last renewal. See table below.


Integrated Shield Premium***

(Aviva or NTUC Income plans only)

Instant Cashback

$500 - $699

$700 - $999 $30
$1,000 and higher $50


*** Refers to the total premium for your Integrated Shield plan and Shield rider at application with us or at the previous premium payment. Only Aviva or NTUC Income Shield plans are eligible. Instant Cashback is only available to existing InsureDIY customers who have bought at least 1 policy through InsureDIY at the time the Shield plan is transferred to InsureDIY. We will send you your Instant Cashback within 14 work days after InsureDIY has been appointed as your servicing adviser. If you are not an existing InsureDIY customer, the cashback will be paid to you within 14 working days of your first policy renewal with us. Cashback is valid until 31 July 2019 and available for the first 50 new policy applications or transfer of agent policies.


#+ $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


Appoint InsureDIY as Adviser


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.


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Frequently Asked Questions


I do not know what Integrated Shield Plan I have


  1. Go to
  2. Log on to my cpf Online Services. (You will need your SingPass)
  3. Go to "My Messages"
  4. Scroll down to the “Healthcare” section.


I am a foreigner, am I eligible for an Integrated Shield plan?


As long as you are resident in Singapore, you are eligible to appy for a Shield plan.



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 improved the basic MediShield Life cover, over 60% of Singaporeans have bought a private Integrated Shield Plan. These plans are offered by insurers like NTUC Income and Aviva. The policy cover can be improved even further by adding a rider that will cover the deductible and co-insurance amount under the Integrated Shield Plan. 29 per cent of Singapore residents have these full riders.


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.



Medical Hospital Insurance