• As-charged^* coverage
  For hospital stays in a Private ward, Class A (1-bed) and B1 (4-bed) ward in public and private hospitals depending on the hospitalisation plan you choose.
  
  
• Up to S$2 million policy year limit for Singlife Shield Plan ¹
  Under Singlife’s preferred medical providers

• Planned⁷ and Emergency overseas inpatient treatment 
  
  
• Major outpatient treatments⁸ including chemotherapy, kidney dialysis, major organ transplant (approved immunosuppressant drugs) and long-term parenteral nutrition
  

•  Extra inpatient benefit for 5 critical illnesses - Heart attack of specified severity, Major Cancer, Stroke with Permanent Neurological Deficit, End-stage Lung Disease and End-stage Liver Failure                  

• Outpatient cancer treatment and preventive treatment for cancer⁵               

• Inpatient hospital treatment - including pre- and post- hospitalisation coverage of up to 180 days and 365 days² respectively
  
  
• Covers treatment received in the Accident and Emergency department

• Covers 24 hours prior to your admission

• Free cover of up to S$50,000 for newborns⁶ up to 6 months old
  
  
• Discounted premium rates for children⁶ up to 20 age next birthday
  
  
• Co-insurance (capped at S$25,500 per policy year) and annual deductibles will apply
  

• Covers hospital admission deposit of up to S$80,000 through Letter of Guarantee (LoG)⁹ at over 20 hospitals including private hospitals.   

• Your yearly renewable coverage is guaranteed for life as long as your policy is active.

Terms and Conditions apply.

For complete details, please refer to the policy contract or speak to your preferred financial adviser representative.
 

*As charged refers to the eligible expenses incurred by the Life Assured which is subject to pro-ration, deductible, co-insurance, policy year limit, admission of ward class and other policy terms.

1.  The policy year limit of S$2,000,000 assumes that all treatments in the policy year are made through preferred medical provider(s) which includes: Panel specialist, public hospital, community hospital, MOH-approved Inpatient Hospice Palliative Care Service (IHPCS) provider, or A&E.   
   
   
2. Pre-hospital treatment benefit refers to the eligible expenses incurred up to 180 days before admission for Plan 1, Plan 2 and Plan 3 at public hospitals. Post-hospital treatment benefit refers to the eligible expenses incurred up to 365 days after discharge for Plan 1, Plan 2 and Plan 3 at public hospitals.
   
   
3. Only cancer drug treatments on the Cancer Drug List (CDL) are claimable under Outpatient Cancer Drug Treatment benefit. Outpatient Cancer Drug Services that are part of a cancer drug treatment (including treatments not on the CDL), are claimable under the Outpatient Cancer Drug Services benefit.
   
   
4. Visit https://go.gov.sg/moh-cancerdruglist to view the latest version of the CDL. This list currently covers most cancer drug treatments approved by the Health Sciences Authority (HSA) and will be updated every few months by MOH. 
   
   
   
5. Inpatient and outpatient Proton Beam Therapy treatment 
   Pays for Proton Beam Therapy treatment as an inpatient (including day surgery) or outpatient by a surgeon in a hospital or legally registered cancer treatment centre. Associated consultation fees, examinations and laboratory tests are covered if they are ordered by the attending doctor before the treatment and take place not more than 30 days before the treatment. Follow-up consultation fees, examinations, laboratory tests and other medical attention after each session of outpatient Proton Beam Therapy treatment are not covered. 
   
   
   Inpatient and Outpatient Cell, Tissue and Gene Therapy
   Charges the life assured has to pay for Cell, Tissue and Gene Therapy as an inpatient (including day surgery) or outpatient by the attending doctor in a hospital or legally registered cancer treatment centre. Associated consultation fees, examinations and laboratory tests are covered if they are ordered by the attending doctor before the treatment and take place not more than 30 days before the treatment. Associated consultation fees, examinations, laboratory tests and other medical attention after each session of outpatient Cell, Tissue and Gene Therapy are not covered.
   
   
   Preventive treatment for cancer
   Preventive treatment for cancer covers surgery to prevent further cancer if the Life Assured already had treatment for cancer and we have paid for the treatment.
   
   
   
6. Free Singlife Shield coverage refers to free newborn coverage benefit which starts from the date a newborn child(ren) is 15 days old or the date of discharge from   hospital after birth, whichever is later. The free coverage ends on the date the newborn is 6 months old or takes up a MediSave-approved Integrated Shield Plan, whichever is earlier. Both parents must be covered under Singlife Shield Plan 1 or Plan 2 continuously for at least 10 months from the cover start date of their respective policies on the newborn’s date of birth. Pre-hospital treatment received before and post-hospital treatment received after the free coverage period are excluded.
   
   
   Discounted premium rates for child(ren) refers to the Family Discount for Child(ren) under Plan 2 coverage for up to 4 children, applicable till the child is 20 Age Next Birthday (ANB), if both parents are covered under Singlife Shield Plan 1 or Plan 2. Please refer to the Product Summary for more details.
   
   
   
7. We will pay for planned inpatient treatment or day surgery at the overseas hospital that has an approved working arrangement with a Medisave-accredited institution/referral centre in Singapore. For details, please refer to the Product Summary and Policy Contract.
   
   
   
8. Please refer to the policy contract for details of major outpatient.
   
   
   
9.  Letter of Guarantee (LoG) covers the hospital deposit for up to S$80,000. LOG will be issued to hospitals for Life Assured who is hospitalised as an inpatient at participating hospitals, provided that the estimated total bill amount exceeds the plan deductible (if applicable). Please refer to our website for the list of participating hospitals for LOG.

Anyone who pays for, or is insured under Singlife Shield and Singlife Health Plus, is not eligible for Additional Premium Support (APS) from the Government^{^}.

If you are currently receiving APS to pay for your MediShield Life and/or CareShield Life premiums, and you choose to be insured under Singlife Shield and Singlife Health Plus, you will stop receiving APS. This applies even if you are not the person paying for the premium(s). In addition, if you choose to be insured under Singlife Shield and Singlife Health Plus, the person paying for the premium(s) will stop receiving APS, if he or she is currently receiving APS. 

^{^}APS is for families who need assistance with MediShield Life and/or CareShield Life premiums, even after receiving premium subsidies and making use of MediSave to pay for these premiums.

Your premiums are used to pay for commissions, claims and other expenses involved in administering your policy*. See table below for a breakdown:
 

The cost of claims would change depending on the claim size and number of claims submitted by policyholders. In the past 3 years, the average bill size had decreased by 17% in both public and private healthcare institutions. The number of claims submitted per policyholder had increased by 26%.

*Based on all long-term accident and health plans, including IPs and riders. All figures are on gross basis.

Information is accurate as at 18 August 2023.