All ages mentioned refer to age next birthday.

*Source: HealthHub, Top 10 Reasons for Hospitalisation in Singapore (healthhub.sg)

~Source: Ministry of Health, Historical Transacted Bill Sizes and Fee Benchmarks https:/www.moh.gov.sg

Figure quoted is below the total bill that 75% of patients were charged for conditions/operations without catastrophic or severe complications, accessed on 1 June 2023.

1. Singlife Health Plus Starter will pay for the co-insurance and Singlife Shield Starter annual deductible costs that the policyholders must bear under Singlife Shield Starter. Policyholders have to pay 5% co-payment if they have a claim under their Singlife Shield Starter policy.
2. Singlife Health Plus Starter premiums quoted are before GST and payable by cash only. Rates are not guaranteed and subject to regular review on portfolio basis.
3. The policy year limit of S$20,000 applies to actual claims payable, after any Singlife Shield Starter annual deductibles and co-insurance are taken into account. You can claim only a maximum of S$20,000 per year.
   
4. Preferred Medical Provider(s) refers to the list of approved medical providers (e.g., panel specialist in a private hospital, public hospitals, etc.) which may be updated from time to time. The full list of approved medical providers can be found at https://singlife.com/medicalspecialists.
   If you seek treatment at a non-preferred provider, meaning those not on the Singlife panel, you can claim only 50% of your claimable hospital bill. This means if your hospital bill is S$10,000, the 50% will first be applied (i.e. S$5,000), followed by subtracting the 5% co-payment with Singlife Health Plus Starter (i.e., S$250). Hence the claimable amount will be S$4,750.
5. When you are 40, your Singlife Shield Starter and Health Plus Starter policies will be converted into the prevailing Singlife Shield Plan 2 (or equivalent plan for Public Hospital Class A ward) and Singlife Health Plus Public Prime (or equivalent rider for Public Hospital wards covering deductible and co-insurance), with no further underwriting.
6. Singlife Shield Starter premiums are quoted before GST and payable via MediSave up to the Additional Withdrawal Limits (AWLs). Rates are not guaranteed and subject to regular review on portfolio basis.

Anyone who pays for, or is insured under Singlife Shield Starter and Singlife Health Plus Starter, 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 Starter and Singlife Health Plus Starter, 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 Starter and Singlife Health Plus Starter, 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.