MediShield Life is a basic healthcare program put together primarily for Singaporeans. Integrated Shield Plans (ISP) is an upgrade to allow you to get better treatment coverage and better facilities and ward class. Singaporeans and Permanent Residents (PR) can make use of their CPF’s Medisave account to upgrade and pay for the Integrated Shield Plan (ISP). There is an Additional Withdrawal Limit (AWL) according to your age band to make use of. If the premium exceeds this AWL, cash payment is needed. Certain Insurers have Integrated Shield Plan for foreigners as well, using cash in place of MediSave.