Get the most out of your Singlife Shield plan
When it comes to searching for a suitable medical specialist, the process can be a tedious one. What type of specialist do I need? Which clinic should I go to? How much will the treatment cost? Will it be covered by my health insurance?
At Singlife, we've made this process easier by curating a panel of medical specialists just for you. What's more, as Singlife Shield policyholders, you can enjoy a myriad of other benefits when you consult with specialists on this panel.
Singlife Shield Plan 2, Singlife Shield Plan 3 and Singlife Shield Standard Plan are not designed to cover expenses incurred with private medical specialists, including those on Singlife’s panel. Hence, the cost of any hospitalisation, surgery or treatment received at these specialist centres under these plans may not be claimable in full.
600+ medical specialists across various disciplines
You can choose from our carefully curated list of medical specialists who are selected based on their professional experience, their reliability to provide quality healthcare services, patient feedback and several other factors.
Enjoy hassle-free appointment booking with us. You can call us, email us or book an appointment directly with our panel specialist online.
You get to enjoy preferred outpatient consultation rates* exclusively for Singlife Shield policyholders.
Higher coverage and benefits
Your annual claim limit will be increased up to S$2,000,000 and you'll get longer pre-hospitalisation and post-hospitalisation coverage. Your co-insurance will also be capped at S$3,000 with your Singlife Shield Plan and Singlife Health Plus.
Certainty of claim outcome
With private panel specialists, you can get pre-approval for non-emergency hospitalisation and medical treatment claims. This assurance means you can focus on recovery without worrying about medical bills.
You can request for pre-approval^ on your medical claims and we'll settle the approved medical fees if you ever require medical treatment at any of our participating private hospitals and clinics.
*Consultation fees for specialists at public hospitals are listed on the respective public hospital website. Patients who make an appointment with a public hospital specialist via Singlife will not be eligible for subsidised rates.
^Pre-approval is available for Singlife Shield customers when you visit a private medical specialist from our panel.
Disclaimer: By clicking some of the links above, you may leave Singlife's website and you will be redirected to our partner's site.
Follow this 3-step process when you need a specialist
Select a medical specialist
Make sure your plan covers the procedure
Before you proceed, there are 2 ways to get pre-approval:
• Ask your private panel specialist to submit the Pre-authorisation Request Form (ie pre-approval request form) for you or
• Call us at 1800 8800 880 with the necessary information*.
Apart from the assurance that the claim will be paid, getting pre-approval also comes with other benefits. Learn more.
Cashless and hassle-free treatment
Focus on your recovery with cashless admission (subject to the approved amount via pre-approval) and paperless claims at any of our participating private hospitals and clinics. The hospital/clinic will submit your claim directly to us.
For admission at public hospitals, you may request for a Letter of Guarantee (LoG) to waive up to $80,000 on your admission deposit.
Higher policy coverage and benefits
Here's a comparison chart to illustrate the benefits of choosing a public hospital or a private panel specialist.
Specialist at public hospital
Panel specialist at private hospital
Panel and non-panel specialist at private hospital
Policy year limit
(Singlife Shield Plan 1)
|Up to S$2,000,000||Up to S$2,000,000||Up to S$1,000,000|
|Pre-hospitalisation treatment benefit (Singlife Shield)||As charged up to 180 days||As charged up to 180 days||As charged up to 90 days|
|Post-hospitalisation treatment benefit (Singlife Shield)||As charged up to 365 days||As charged up to 365 days||As charged up to 180 days|
(Singlife Health Plus)
|S$0||S$0||• S$1,000 for inpatient treatment
• S$500 for day surgery
|Co-insurance cap (Singlife Health Plus)||S$3,000||S$3,000||S$12,750|
Additional benefits for outpatient kidney dialysis at a panel private dialysis centre or a subsidised dialysis centre.
|Benefits||Kidney dialysis received at a panel private dialysis centre||Kidney dialysis received at a subsidised centre/public hospital|
|Waiver of pro-ration factor benefit (with Singlife Health Plus)||Applicable for Singlife Shield Plan 2 and 3||Not applicable|
|Additional critical illness benefit for kidney failure (with Singlife Health Plus)||• $1,000 per lifetime for Singlife Shield Plan 1||• $3,000 per lifetime for Singlife Shield Plan 1
• $2,000 per lifetime for Singlife Shield Plan 2 and 3
Important note: The above is effective from 1 Apr 2022 onwards. For existing customers, it will only be applicable after your policy renewal from 1 Apr 2022.
List of panel private dialysis centres and subsidised centres
Panel private kidney dialysis centres
Subsidised kidney dialysis centres
Enjoy preferred consultation rates
Singlife Shield policyholders can enjoy preferred rates for outpatient consultation fees or walk-in fees (whichever is lower) with private specialists on our panel, even if the consultation is not claimable from your plan.
• First consultation fee: S$120 (before GST)
• Follow-up consultation fee: S$70 (before GST)
Simply make an appointment with a panel specialist here. Alternatively, if you've made your own appointment, simply flash your Singlife Shield e-card at the panel clinic to enjoy the preferred rates.
Consultation fees for specialists at public hospitals are listed on the respective public hospital website. Patients who make an appointment with a public hospital specialist via Singlife will not be eligible for subsidised rates.
Get up to speed with the latest health and financial protection articles.
5 Mar 2020
How to find a healthcare specialist that’s right for you
22 Oct 2020
Singlife Shield covers diagnostic endoscopies that are medically necessary
23 Oct 2020
What you need to know about Singlife’s panel specialists and pre-approval process
29 May 2020
The smart way for working adults to make a hospital claim
5 Mar 2020
Pre-approval: A hassle-free step to ensure your claim is guaranteed
Get pre-approval of your medical claims
Our hassle-free medical claim pre-approval for policyholders of Singlife Shield and Singlife Health Plus allows you to have greater assurance with the certainty of claim outcome before your planned medical treatment.
The policy is underwritten by Singapore Life Ltd.
This is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A copy of the Product Summary may be obtained from us and the participating distributor's offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser representative, before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This information is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.
Information is accurate as at January 2022.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg).