Safeguard your financial health with extra coverage
Singlife Cancer Cover Plus is a medical plan that offers protection against large medical bills from cancer treatments. It complements your coverage under existing medical insurance plans (e.g., Integrated Shield Plan and riders)1. With this plan, you can significantly reduce your out-of-pocket cancer treatment expenses both locally and overseas.
Covers cancer treatments
Covers outpatient cancer drug treatment and services2, Proton Beam Therapy and Cell, Tissue and Gene Therapy3.
Provides as-charged coverage for claims
Have greater peace of mind knowing your out-of-pocket expenses are significantly reduced.
High annual coverage limit of up to S$1.5 mil
Covers your medical bills from cancer treatments and services
Easy and fast application
Sign up by answering 3 simple health questions with no medical check-up needed.
Option to seek cancer treatments overseas
Medical claims are covered both locally and overseas4
Why would you need additional cancer treatment cover
From 1 April 2023, Integrated Shield Plans (IPs) will only cover cancer treatments that are on the Ministry of Health’s Cancer Drug List (CDL)5, with individual claim limits for cancer drug treatments
1 in 4 people likely to develop cancer in their lifetime^
Treatment for late stages of cancer can range S$100,000 to S$200,000 yearly~
Existing medical plans
Existing medical insurance plans with individual claim limits might not be sufficient to fully cover the cost of cancer treatments
Get the cancer treatment you need - anywhere in the world - without financial worries
Highly advanced cancer treatments today can mean better outcomes and shorter recovery periods. However, they can be extremely costly. No matter what treatment you choose and where you decide to have it, nothing should stop you from getting the cancer care that’s best for you.
Singlife Cancer Cover Plus offers a better way for you and your loved ones to focus on your recovery and quality of life.
Trusted medical partners for cancer treatment
Your recovery and peace of mind is our priority.
Singlife has teamed up with Singapore’s trusted name in cancer treatment - Icon Cancer Centre Singapore - so Singlife Cancer Cover Plus policyholders can enjoy greater assurance should they need cancer treatment.
Policyholders who choose to get treatments at our trusted medical partner will enjoy:
- Affordable and personalised cancer treatments;
- Broad spectrum of evidence-based cancer services; and
- Comprehensive end-to-end journey for cancer treatment.
All ages mentioned refer to age next birthday.
^Source: Singapore Cancer Society, Common Types of Cancer in Singapore (singaporecancersociety.org.sg)
~ Source: Seedly, Can You Afford Cancer Treatment? An Insight On The True Cost Of Cancer Treatment In Singapore, accessed on 27 February 2023.
1. Singlife Cancer Cover Plus 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.
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. You may get 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 policy. 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.
Buying health insurance products that are 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 plan can be found in the relevant policy contract.
Information 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 of the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Singapore Life Ltd or visit the Life Insurance Association Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg).