Singlife Shield

MediSave-approved plan that upsizes your hospitalisation coverage so you can focus on recovery

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Extra coverage for your hospital bills

Singlife Shield is a medical insurance plan that boosts the benefits offered by the MediShield Life plan. It ensures higher and wider coverage for medical and hospitalisation services in Singapore. By upsizing your medical coverage, it minimises financial and emotional strain from unexpected medical expenses – which is a top cause of debt^ – that can affect both you and your family. 

As-charged coverage*

For inpatient hospital treatment up to 180 days before admission and 365 days after discharge1

10% co-insurance

Capped at S$25,500 per policy year.

High policy year limit

Up to S$2,000,0002 

Cancer coverage

Including outpatient cancer treatment, proton beam therapy treatment as well as cell, tissue and gene therapy, and preventive treatment3

Coverage for long-term care

[NEW] Parenteral Nutrition (vein feeding) and Inpatient Palliative Care

Free or discounted Singlife Shield coverage

For your children4

^Source: The Straits Times© Singapore Press Holdings Limited. Extracted with permission. “5 reasons that people in Singapore get into debt”,

Choose the Singlife Shield that covers your preferred level of healthcare

Plan 1

Any standard ward of a private hospital. From S$1.12/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$0.27/day

* Based on a 31- to 40-year-old (age next birthday), excluding MediShield Life Premiums that is payable by MediSave.

What's covered in Singlife Shield

You can choose the plan type depending on the coverage you prefer in your hospitalisation plan.

Choice of ward type with different policy year limits

  • As charged* coverage
    For hospital stays in a Private ward, Class A (1-bed) and B1 (4-bed) ward in public and private hospitals depending on the hospitalisation plan you choose.
  • Up to S$2 million policy year limit for Singlife Shield Plan 1
    If you get pre-approval5 (a certificate of pre-authorisation) via Singlife's panel of private medical specialists.

Inpatient and Outpatient treatments covered in Singapore and overseas

  • Planned6 and Emergency overseas inpatient treatment 
  • Major outpatient treatments7 including chemotherapy, kidney dialysis, major organ transplant (approved immunosuppressant drugs) and long-term parenteral nutrition.
  • Extra inpatient benefit for 5 critical illnesses
    Heart attack of specified severity, Major Cancer8, Stroke with Permanent Neurological Deficit, End-stage Lung Disease and End-stage Liver Failure 
  • Outpatient cancer treatment and preventive treatment for cancer9

Pre- and Post-hospitalisation coverage

  • Inpatient hospital treatment - up to 180 days before admission and 365 days after discharge1
  • Covers treatment received in the Accident and Emergency department
    Within 24 hours prior to your hospital admission.


  • Free cover of up to S$50,000 for newborns4 up to 6 months old
  • Discounted premium rates for children4 up to 20 ANB
  • Co-insurance (capped at S$25,500 per policy year) and annual deductibles will apply.
  • Covers hospital admission deposit of up to S$80,000 through Letter of Guarantee (LoG)10 at over 20 hospitals including private hospitals.
  • Your yearly renewable coverage is guaranteed for life as long as your policy is active.

Read Terms and Conditions

Important notes regarding Additional Premium Support (APS) Policy

Upsize your medical coverage

Get enhanced coverage for your hospitalisation plan with Singlife Health Plus. 

Singlife Health Plus

Add on Singlife Health Plus to your Singlife Shield plan for even more benefits to your medical coverage.

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 MyShield and MyHealthPlus allows you to have greater assurance with the certainty of claim outcome before your planned medical treatment. 

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.

Your health matters, take care of your future today

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

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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 particular needs of any specific person. A copy of the Product Summary may be obtained from us 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. 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. Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. This information 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 2022.

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 Singapore or SDIC websites ( or