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A comprehensive solution for all your hospitalisation needs so you can focus on recovery

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What is Singlife Shield and Singlife Health Plus?

Singlife Shield is a medical insurance plan that provides a more comprehensive medical coverage and reimbursements for your hospitalisation expenses. It lessens your financial and emotional burden by reducing your out-of-pocket expenses so that you can focus on recovery.

Add Singlife Health Plus to your Singlife Shield plan and stay assured with greater financial support from diagnosis to post-treatment.

A basic health insurance plan, administered by the Central Provident Fund (CPF) Board.

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Integrated Shield Plan (IP) by Singlife for greater medical coverage

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Rider to minimise your out-of-pocket expenses

Key Features & Benefits

^{⁵CDL: Cancer Drug List}

High policy year limit

Choose your preferred level of healthcare and get up to S$2,000,000⁹ annual coverage.

Plan 1

Any standard ward of a private hospital
Up to S$2,000,000 policy year limit
Extra inpatient benefit^† of S$150,000 per policy year

Plan 2

Any standard ward (A) of a public hospital
Up to S$1,000,000 policy year limit
Extra inpatient benefit^† of S$100,000 per policy year

Plan 3

Any 4-bed standard ward (B1) of a public hospital
Up to S$500,000 policy year limit
Extra inpatient benefit^† of S$50,000 per policy year

^{† Extra Inpatient Benefit for 5 critical illnesses – heart attack of specified severity, major cancer, stroke, end stage lung disease and end stage liver disease.}

Singlife x IHH Healthcare SG

Singlife has partnered IHH Healthcare SG to give all Singlife Shield policyholders access to over 600 medical specialists and a seamless hospital admissions experience.

What you'll need to pay if you are hospitalised

Get cover up to 95% of your hospitalisation bill when you add Singlife Health Plus to your Singlife Shield plan and stay assured with greater financial support from diagnosis to post-treatment.

Singlife will pay

Singlife will pay

You willl pay

You will pay

Deductible
up to S$3,500

Note: Above figures are solely for illustration purposes, based on a S$10,000 bill at preferred medical provider.

Singlife Shield + Health Plus

As-charged coverage of up to S$2,000,000 at preferred medical providers

Get covered up to 95% of hospital bill.

Singlife Shield

As-charged coverage of up to S$2,000,000 at preferred medical providers

Your out-of-pocket payment is capped at S$3,500 for the deductibles plus 10% of the remaining hospital bill.

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.

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Introducing Singlife Care Collab – a newly launched one-stop health services hub offering you convenient access to health care services.

CareCollab | Singlife Singapore Thumbnail

CareCollab | Singlife Singapore Thumbnail

Get the latest updates and information on Singlife Shield and Singlife Health Plus.

Promotion

20% first year discount for MINDEF/MHA/POGIS

MINDEF/MHA & POGIS insured members and their family will get a 20% first-year premium discount on Singlife Shield and Singlife Health Plus.

Terms and conditions apply.
Find out more

*Promo is not stackable with other first-year discount offers

Get more with Singlife

Get priority to our panel of 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.

Find out more

Get your admission deposit waived

With a Letter of Guarantee (LoG), you can enjoy a waiver of your upfront deposit up to S$80,000 for your inpatient medical treatments at over 20 hospitals including public hospitals in Singapore.

Important Notes

Read Terms and Conditions

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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.

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 A&E or preferred medical provider(s). 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 A&E or preferred medical provider(s).
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 with MOH.

Cell, Tissue and Gene Therapy is only claimable under your policy if used according to the clinical indications specified in the MOH’s Cell, Tissue and Gene Therapy Products (CTGTPs) list on MOH’s website (http://go.gov.sg/ctgtp-list ), unless otherwise stated in your policy. MOH may update the CTGTP list from time to time. Each CTGTP treatment is only claimable once under your policy. 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.
Singlife Shield
Free newborn benefit 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.
Singlife Health Plus
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 or at 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 the Public Lite policy attached to Singlife Shield Plan 2 of the Benefits Schedule.
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.
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.
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.
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.
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.
The policy year limit of S$2,000,000 assumes that all treatments in the policy year are made through A&E or preferred medical provider(s).
Preferred medical provider(s) refers to the list of approved medical providers (e.g., panel specialist in a private hospital for inpatient treatment, doctors in a public hospital, etc.), which may be found at at https://singlife.com/medicalspecialists, as updated by us from time to time.
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.
Please refer to the policy contract for details of major outpatient treatments.

Important Notes regarding Additional Premium Support (APS) policy

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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.

Drivers of Premium

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

	2019	2022
Claims	69%	77%
Commissions and distribution	10%	7%
Management expenses	11%	17%

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.

Forms and Documents

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Downloads

Singlife Shield & Singlife HealthPlus Brochure (ENG)

PDF (365.1 KB)

Singlife Shield & Singlife Health Plus Brochure (CHI)

PDF (569.8 KB)

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Disclaimers

This policy is underwritten by Singapore Life Ltd.

This is for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. A copy of the Product Summary may be obtained 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 13 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).

I’m Interested

We’re glad to know you’re interested in a better way to financial freedom. Leave your details and we will get back to you.

If you’d like to speak to someone, you can call Singlife Financial Advisers at 6827 9980 (Mon – Fri, 9am to 6pm).

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