Extra coverage for your hospital bills
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.
Choose your preferred level of healthcare
Plan 1
Any standard ward of a private hospital. From S$1.13/day†
Plan 2
Any standard ward (A) of a public hospital. From S$0.46/day†
Plan 3
Any 4-bed (B1) standard ward of a public hospital. From S$0.28/day†
†Based on 31 age next birthday, excluding MediShield Life premium.
What's covered under Singlife Shield
Option to choose the type of plan depending on the coverage you prefer in your hospitalisation plan.
Choice of ward type with different policy year limits
Inpatient and Outpatient treatments covered in Singapore and abroad
Pre- and Post-hospitalisation coverage
Others
Important Notes
Read Terms and Conditions
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.
Important Notes regarding Additional Premium Support (APS) policy
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.
Historical Experience for Singlife’s Health Plans
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.
Upsize your medical coverage
Get enhanced coverage for your hospitalisation plan with Singlife Health Plus.
Add on Singlife Health Plus to your Singlife Shield plan for even more benefits to your medical coverage.
Find out more
Get more with Singlife
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
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.
Revised benefits for Outpatient Cancer Drug Treatments and Services
(From 1 Apr 2023, upon renewal of your policy)
^ Excludes Singlife Health Plus Deductible Cover.
^^ Please refer to the CDL on MOH’s website under “MediShield Life Claim Limit per month” for the MSHL claim limit for each CDL treatment. The limits are inclusive of MSHL limits.
^^^ Only non-CDL treatments under drug classes A to E of LIA’s Non-CDL Classification Framework are covered under riders (i.e., Singlife Health Plus except for Singlife Health Plus Deductible Cover).
Downloads
Singlife Shield & Singlife HealthPlus Brochure (ENG)
PDF (357.3 KB)
Cancer Drugs Letter Appendix
PDF (131.9 KB)
Singlife Shield Policy Contract - Effective Apr 2022
PDF (398.1 KB)
Singlife Shield Standard Plan Policy Contract - Effective Apr 2022
PDF (373.8 KB)
FAQs for Singlife Shield
PDF (229.9 KB)
Singlife Shield Policy Contract - Effective Apr 2023
PDF (226.5 KB)
Singlife Shield Standard Plan Policy Contract – Effective Apr 2023
PDF (178.3 KB)
Factsheet- Singlife Shield Standard Plan
PDF (96.1 KB)
Singlife Shield Interim Cover T&Cs
PDF (91.9 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)
Health Declaration
PDF (699.7 KB)
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).