Cancer is the number one cause of death in Singapore. The risk of cancer is real, but there are multiple ways to plan for and achieve financial freedom for your healthcare needs: 

1. Critical Illness (CI) plans will provide you with a lump-sum amount cash payout in cash upon diagnosis. This can go a long way to help you cover any loss of income or other expenses while you undergo treatment. Click here to find out more Critical Illness Insurance Plans Singapore . 

2. Integrated Shield Plans and MediShield Life provide you with the basic coverage for your inpatient hospitalisation bills and outpatient cancer drug treatments and services. These plans will reimburse you up to the respective claim limits depending on the cancer drug treatments you need.  

3. Standalone cancer plans like Singlife Cancer Cover Plus II that provides you with protection against large medical bills from cancer treatments. Singlife Cancer Cover Plus II is a first-in-market, standalone medical plan that covers outpatient cancer drug treatments (CDL and non-CDL), outpatient cancer drug services as well as selected cancer treatments (e.g., Proton Beam Therapy and Cell, Tissue and Gene Therapy) up to S$1.5 million worldwide. 

Critical Illness (CI) plans will provide you with a lump-sum cash payout upon diagnosis.  Highly advanced cancer treatments today can mean better outcomes and shorter recovery periods. However, they can be extremely costly and with cancer treatments getting more expensive each year, Singlife Cancer Cover Plus II is designed to help reimburse large cancer treatment bills up to S$1.5million and reduce your out-of-pocket expenses. You may want to consider a standalone cancer cover plan for additional coverage against hefty medical bills, 

All ages mentioned refer to age next birthday.

^{^}Source: Singapore Cancer Society, Common Types of Cancer in Singapore (singaporecancersociety.org.sg)

^~ Based on Singlife Claims Statistics, 2022

1. Singlife Cancer Cover Plus II is designed to complement Singlife’s Shield plans and riders. Please refer to your Integrated Shield Plan and riders’ coverage to determine if this product will fully or partially complement your own medical coverage.

2. (a) Outpatient Cancer Drugs Treatment (on the CDL)

We will pay for the charges the Life Assured has to pay as an outpatient at a hospital or cancer treatment centre registered with the MOH or approved by us for cancer drug treatment that are listed on the Cancer Drug List / CDL. Treatments are defined as drug-indication pairs, as described in the CDL: https://go.gov.sg/moh-cancerdruglist. Outpatient cancer drug treatments are only claimable under your policy if used according to the clinical indications specified on the CDL (as at the date of treatment), unless otherwise stated in your policy. MOH may update the CDL from time to time. 
 

(b) Outpatient Cancer Drugs Treatment (Non-CDL)
 

We will pay for outpatient cancer drug treatment 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.
 

(c) Outpatient Cancer Drug Services
 

We will pay for the charges the Life Assured has to pay for cancer drug services for outpatient cancer drug treatments. The services are not required to be specific to treatments on the CDL and are payable even if they were for a non-CDL treatment. These include: consultations, scans, lab investigations, treatment preparation and administration fee, supportive care drugs (e.g., for pain/nausea), and blood transfusions, as long as these are part of cancer drug treatment. 

3. (a) Inpatient and outpatient Proton Beam Therapy treatment

We will pay for the charges the Life Assured has to pay 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.

b) Inpatient and outpatient Cell, Tissue and Gene Therapy treatment

We will pay for the 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. Cell, Tissue and Gene Therapy will adopt the same definition as defined under the Health Products Act (HPA), that is not Immunotherapy and these items referred will be still subjected to this policy’s general exclusions.

4. Overseas Treatment
 

We will pay for medical expenses that the Life Assured has to pay at an overseas hospital if the Life Assured requires any of the cancer treatments covered under the policy, if the following conditions are met:
 

(a) The Life Assured had not stayed outside of Singapore for more than 183 consecutive days within a 12-months period on or before the date of the Life Assured’s admission, and

(b) We have pre-approved and issued a certificate of pre-authorisation for the expenses.
 

We do not cover:
 

(a) experimental or pioneering medical or surgical techniques, and medical devices including: medical treatments that are of an investigational or research nature and not approved by the referenced regulatory bodies, and clinical trials for medicinal products, whether or not these trials have clinical trial certificates issued by the referenced regulatory bodies.

(b) medical devices, drugs, therapeutic products and CTGTP (Cell, Tissue and Gene Therapy Products) not approved or not used in accordance with the indications as stated by the referenced regulatory bodies Referenced regulatory bodies refer to FDA, EMA, TGA, HC, UK MHRA, NCCN and ESMO, as also mentioned in 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.

5. The cancer drug treatment benefit limit is based on a multiple of the MediShield Life claim limit for the specific cancer drug treatment. Please refer to the Cancer Drug List / CDL on the MOH website: https://go.gov.sg/moh-cancerdruglist for the MediShield Life claim limit on the applicable cancer drug treatment.