Class of Insurance
Medical Expense - Individual
Mostly integrated Shield plans offered to wrap around Medishield Life, which is compulsory and covers treatment in hospital, subject to deductible and co-insurance..

Disability - Individual
Comprise mainly of ElderShield, which is a compulsory plan to provide long term care. Some insurers have offered voluntary supplements to top up the basic plan.

Critical illness
Pays the full insured sum on the diagnosis of a critical illness, such as heart attack, cancer or stroke. Covers 30 or more critical illness.

Medical expense - group
Covers medical expenses of employees. The premium is usually paid by the employer.

Motor Insurance
Covers damage and personal injury caused by motor vehicles.

Workers Injury
Covers injury to workers. Insurance is compulsory under legislation.

Other classes
The other classes of insurance are similar to international practice.