Terms and conditions apply.
For complete details, please refer to the Product Summary or speak to your preferred financial advser representative.
1 Preferred medical provider means any of the following:
• panel specialist or extended panel in a private hospital (with certificate of pre-authorisation),
• public hospital,
• community hospital,
• MOH-approved Inpatient Hospice Palliative Care Service (IHPCS) provider,
• subsidised centre for kidney dialysis,
• panel private dialysis centre, or
• A&E.
2 Additional critical illness benefit for kidney failure will be covered based on the type of centre or hospital at which the Life Assured receives the dialysis.
3 We will pay for expenses associated with outpatient psychiatric consultation (including medication prescribed and standard diagnostic tests on the same visit), subject to co-insurance and up to the limits specified in the Benefits Schedule.
Your policy must be in force for at least 10 continuous months starting from the cover start date of this policy.
4 We will pay for outpatient cancer drug treatment set out in under Classes A to E of the Non-CDL Classification Framework developed by the Life Insurance Association, Singapore, as set out in https://www.lia.org.sg/media/3553/non-cdl-classification-framework.pdf, up to the limits stated in the benefits schedule and subject to co-insurance. Class F treatments are not covered.
5 Ward Downgrade Benefit:
If the Life Assured is an inpatient at a Singapore restructured hospital, we pay this benefit as shown in the benefit schedule as long as:
• the admission as an inpatient is recommended by a doctor as necessary medical treatment; and
• the Life Assured stays in the following wards lower than his/her chosen plan:
- For Plan 1, any standard ward of a restructured hospital
- For Plan 2, a 4-bed (B1) standard ward or below of a restructured hospital; or
- For Plan 3, a 6-bed (B2) standard ward or below of a restructured hospital.
6 Your dependant child who is covered under Singlife Shield’s family discount for child(ren) is also eligible for free cover under Singlife Health Plus Public Lite attached to Singlife Shield Plan 2, up to 20 years old (age next birthday). This is provided that both parents are covered under Singlife Shield Plan 1 or 2, together with either of these Singlife Health Plus options – Private/Public Lite, Private Cover or Private/Public Prime. The child shall enjoy the same benefits provided under the Public Lite policy attached to Singlife Shield Plan 2 of the Benefits Schedule.
Your dependant child who is covered under Singlife Shield’s family discount for child(ren) is also eligible for the Preferred Rate for Children under Singlife Health Plus Public Prime attached to Singlife Shield Plan 2, up to 20 years old (age next birthday). This is provided that both parents are covered under Singlife Shield Plan 1 or 2, together with either of these Singlife Health Plus options – Private/Public Lite, Private Cover or Private/Public Prime. The child shall enjoy the same benefits provided under Public Prime policy attached to Singlife Shield Plan 2 of the Benefits Schedule.
7 We pay this benefit as long as the life assured is admitted as an inpatient within 24 hours of arrival at the hospital, for treatment of an illness or injury covered under Singlife Shield.
8 No claims discount entitles you to a 15% discount on Singlife Health Plus premiums if:
• the cover start date or renewal date of your policy is on or after 1 April 2022, and
• the total claim amount that we have paid during the assessment period under your Singlife Shield and Singlife Health Plus policies (excluding the claim amount paid by MediShield Life) is less than or equal S$1,000.
Any refunds (e.g. refunds from other insurance policies that cover the same life assured), excluding the refund amount for MediShield Life, which we receive during an assessment period will reduce the total claim amount paid in that assessment period.
Assessment period means the following periods starting two months before your next policy renewal date:
• For the first policy year, the past 10 months
• For the second policy year, the past 22 months
• For the third policy year onwards, the past 24 months
Any refunds (e.g. refunds from other insurance policies that covers the same life assured), excluding the refund amount for MediShield Life, which we receive during an assessment period will reduce the total claim amount paid in that assessment period.
