Singlife Health Plus

Enhance your Singlife Shield by adding on a rider

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In March 2018, Ministry of Health (MOH) announced that all Integrated Shield Plan (IP) riders for new policyholders must incorporate co-payment features by 1 April 2019.

This is in line with the Health Insurance Task Force's recommendations to help address over-consumption of medical services and cost containment measures in light of rising healthcare costs so as to enable continued affordability of healthcare services in Singapore.

Key benefits

Add on the rider, Singlife Health Plus, to your Singlife Shield plan to give you greater financial assurance, from diagnosis to post-treatment.

Co-insurance cap of S$3,000

Per policy year for treatments with our preferred medical providers1

Lump-sum payout of S$10,000 for five critical illnesses

Per lifetime – additional lump-sum payout of up to S$3,000 per lifetime for kidney dialysis as a result of kidney failure2

Mental wellness Benefit

Covers expenses associated with outpatient psychiatric consultation3 (after 10 months of continuous cover) 

Covers 50% of Singlife Shield annual deductible

when you stay in a lower ward class than your plan entitlement4 (for Singlife Health Plus Private and Public Lite plans)

Free or discounted Singlife Health Plus coverage

For your children5

Complement Singlife Shield with your preferred Singlife Health Plus rider

Choose from two Singlife Health Plus riders that gives the healthcare cover you prefer. You will be entitled to the same hospital/ward type that you have selected for your Singlife Shield plan.

Key Benefit Private Prime Private Lite Public Prime Public Lite
Singlife Health Plus rider attachable to Singlife Shield Plan 1 only Singlife Health Plus rider attachable to Singlife Shield Plan 2 or 3 only
Annual deductible Preferred medical providers1 S$0 Singlife Shield annual deductible applies S$0 Singlife Shield annual deductible applies

S$1,000 (Inpatient)

S$500 (Day surgery)

Co-insurance Preferred medical providers1 5%, maximum S$3,000 per policy year
Others 5%, maximum S$12,750 per policy year
Critical illness benefit S$10,000 per lifetime (only applies if the life assured has crossed his first birthday and is not older than 65 years old age next birthday) 
Ambulance fees or transport to hospital8 S$80 per injury or illness
Ward Downgrade Benefit (does not apply if policyholder also has a Singlife Health Plus Deductible Cover policy)  N.A. Covers 50% of Singlife Shield annual deductible N.A. Covers 50% of Singlife Shield annual deductible
Cover for child(ren)5 Preferred rate Free Preferred rate (Plan 2 only) Free (Plan 2 only)
Mental wellness benefit (after 10 months of continuous cover)  S$100 per visit, maximum S$1,000 per policy year, subject to co-insurance


Get more with Singlife

Get priority access to our panel of private medical specialists.

Policyholders of Singlife Shield and Singlife Health Plus will get priority access to our panel of private medical specialists, hassle-free appointment booking plus enjoy a myriad of other benefits when you consult a medical specialist from our panel. 

Terms and Conditions apply.

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. 

Lower premium, same great value! Are you in?

To encourage our customers to join hands with us on our mission to keeping healthcare costs manageable in Singapore, we’ll be rolling out a new premium discount scheme for Singlife Health Plus customers in 2022.

Find out more

Our health cover is just a few steps away

Take care of your health today by making an appointment with us. You may also speak to your preferred financial adviser to find out more about how you can add-on the rider to your coverage.

You may also call Singlife Financial Advisers at 65 6827 9980 (Mon - Fri, 9am to 6pm) if you're interested to purchase the product. 

If you have an existing financial adviser representative, please leave your details in the form below to request for a callback. 

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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 Singapore Life Ltd 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.
As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. Before replacing an existing accident and health policy with a new one, you should consider whether the switch is detrimental as there may be potential disadvantages with switching. A penalty may be imposed for early termination and the new policy may cost more or have fewer benefits at the same costs.  
This 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 last updated January 2022.
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 Singapore Life Ltd or visit the Life Insurance Association Singapore or SDIC websites ( or