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.
Get greater financial assurance
Add Singlife Health Plus to your Singlife Shield plan and stay assured with greater financial support from diagnosis to post-treatment.
Co-insurance for treatments
Get co-insurance of up to S$3,000 per policy year for treatments made via A&E or our preferred medical providers1.
Get S$10,000 for critical illnesses per lifetime - additional lump-sum payout of up to S$3,000 per lifetime for kidney dialysis due to kidney failure2.
Mental wellness benefit
Covers expenses associated with outpatient psychiatric consultation3 (after 10 months of continuous cover).
Covers cancer up to S$30,000 per policy year
Coverage for outpatient cancer drugs treatments not on the Cancer Drug List (non-CDL)4.
Covers 50% of Singlife Shield annual deductibles
When you stay in a lower ward class than your plan entitlement5 (for Singlife HealthPlus Private and Public Lite plans).
Free or discounted Singlife Health Plus cover
Coverage for your children6.
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|
|Others||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 hospital7||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 (Plan 2 Only)||Free (Plan 2 Only)||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 better coverage with our comprehensive rider
Any standard ward of a private hospital.
Any standard ward (A) of a public hospital
Any 4-bed standard ward of a public hospital
#Based on age 31 age next birthday, after No Claims Discount.
Lower premium, same great value!
To encourage our customers to join us in keeping healthcare costs manageable in Singapore, we’ll be rolling out a new premium discount scheme "No Claims Discount8" for Singlife Health Plus customers in 2023.
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
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.
Singlife Shield and Singlife Health Plus Chinese Brochure
PDF (54.3 MB)
Singlife Shield & Singlife HealthPlus Brochure (ENG)
PDF (249.4 KB)
FAQs for Singlife Health Plus
PDF (145.2 KB)
Singlife Health Plus Policy Contract - Effective Apr 2022
PDF (417.5 KB)
Singlife Health Plus Private Policy Cover Contract
PDF (400.5 KB)
Singlife Health Plus Private Cover Policy Contract – Effective 2023
PDF (228.6 KB)
Singlife Health Plus Policy Contract – Effective 2023
PDF (240.9 KB)
Singlife Shield and Singlife Health Plus Revised Premium Rates
PDF (1.2 MB)
Request for changes to individual health products
PDF (728.5 KB)
PDF (832.8 KB)
This policy is underwritten by Singapore Life Ltd.
This brochure is published for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. You may get a copy of the Product Summary from Singapore Life Ltd. and the participating distributors’ offices. You should read the Product Summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. If 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. This is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract.
Information is accurate as at March 2023.
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 or SDIC websites (www.lia.org.sg or www.sdic.org.sg).