Singlife Shield | Medical Insurance Online | Singlife Singapore

Singlife Shield

A MediSave-approved plan to meet all your hospitalisation needs so you can focus on recovery

Download brochure

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.

sl-icon-guide-arrow

/content/dam/public/sg/images/icons/icon-of-umbrella.svg

High policy year limit

 

Get up to S$2,000,0001 annual coverage

/content/dam/public/sg/images/icons/icon-of-bag-with-dollar-sign.svg

As-charged coverage

For inpatient hospital treatments including pre and post treatments hospitalisation coverage of up to 180 days and 365 days2 respectively

/content/dam/public/sg/images/icons/icon-of-dollar-coin.svg

Exclusive 10%
Co-insurance

Capped at S$25,500 per policy year.

/content/dam/public/sg/images/icons/icon-of-medicine.svg

Cancer drug treatment limits

Up to 5 times MediShield Life claim limit for outpatient cancer drug treatments3 on the Cancer Drug List (CDL)4 and services

/content/dam/public/sg/images/icons/icon-of-stethoscope.svg

Additional cancer coverage

Coverage includes Proton Beam Therapy, Cell, Tissue and Gene Therapy and preventive treatments5

/content/dam/public/sg/images/icons/icon-of-family-hugging.svg

Free or discounted Singlife Shield coverage

Coverage for your children6

 

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.

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.

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

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

sl-chevron-down-black
  • 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
    Under Singlife’s preferred medical providers

Inpatient and Outpatient treatments covered in Singapore and abroad

sl-chevron-down-black
  • Planned7 and Emergency overseas inpatient treatment 

  • Major outpatient treatments8 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 Cancer, Stroke with Permanent Neurological Deficit, End-stage Lung Disease and End-stage Liver Failure                  

 

  • Outpatient cancer treatment and preventive treatment for cancer             

Pre- and Post-hospitalisation coverage

sl-chevron-down-black
  • Inpatient hospital treatment - including pre- and post- hospitalisation coverage of up to 180 days and 365 days2 respectively

  • Covers treatment received in the Accident and Emergency department

 

  • Covers 24 hours prior to your admission

Others

sl-chevron-down-black
  • Free cover of up to S$50,000 for newborns6 up to 6 months old

  • Discounted premium rates for children6 up to 20 age next birthday

  • 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)9 at over 20 hospitals including private hospitals.   

 

  • Your yearly renewable coverage is guaranteed for life as long as your policy is active.

Important Notes

Read Terms and Conditions

sl-chevron-down-black

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.

 

  1.  The policy year limit of S$2,000,000 assumes that all treatments in the policy year are made through preferred medical provider(s) which includes: Panel specialist, public hospital, community hospital, MOH-approved Inpatient Hospice Palliative Care Service (IHPCS) provider, or A&E.   

  2. 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 public hospitals. 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 public hospitals.

  3. 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.

  4. 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. 


  5. 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. 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.


  6. Free Singlife Shield coverage refers to free newborn coverage benefit which 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.


  7. 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.


  8. Please refer to the policy contract for details of major outpatient.


  9.  Letter of Guarantee (LoG) covers the hospital deposit for up to S$80,000. LOG will be issued to hospitals for Life Assured who is hospitalised as an inpatient at participating hospitals, provided that the estimated total bill amount exceeds the plan deductible (if applicable). Please refer to our website for the list of participating hospitals for LOG.

 

Important Notes regarding Additional Premium Support (APS) policy

sl-chevron-down-black

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

sl-chevron-down-black

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.

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

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.

Find out more

Revised benefits for Outpatient Cancer Drug Treatments and Services

(From 1 Apr 2023, upon renewal of your policy)

Plan Type / Benefits Singlife Shield Plan with Singlife Health Plus^ Singlife Shield Plan Only Singlife Shield Standard Plan

Outpatient Cancer  
Drug Treatment  
on the CDL (Monthly limit)

5 times the MediShield Life claim limits^^

3 times the  

MediShield Life  

claim limits^^

Outpatient Cancer Drug Treatment

not on the CDL^^^

(Policy year limit)

S$30,000 per policy year

Not covered

Outpatient Cancer  

Drug Services  

(Policy year limit) 

5 times the MediShield Life claim limits^^

2 times the MediShield Life claim limits^^ 

^ 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).

sl-chevron-down-white

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).