Greater financial peace of mind
Singlife Shield Starter with Health Plus Starter is an affordable Integrated Shield Plan (IP) and rider bundle that complements your basic medical coverage. Created for budget-conscious under 40-year-olds, it protects you against unexpected hospital bills and minimises your out-of-pocket expenses.
For just S$1 add-on
Co-payment will be reduced to just 5%1 of the hospital bills when you add-on Singlife Health Plus Starter2.
As-charged annual coverage of S$20,0003
Your hospital bills are covered at more than 500 of our preferred medical providers4.
Higher coverage from age 40
Guaranteed conversion to Singlife Shield Plan 2 and Health Plus with up to S$1million coverage at age 405.
Get a quote within minutes
Simply answer five health underwriting questions to apply; no medical check-up needed.
Payable via MediSave
Pay the annual premium using your MediSave6, so you spend less cash from your pocket.
Why bother with health insurance when you’re young, healthy and have other financial commitments?
#1 Hospitalisations aren’t always due to a chronic health condition
Some of the common reasons* for hospitalisation in Singapore include:
#2 Get the level of hospital care you want
Rising medical costs and lower subsidies for private care means you pay more out of pocket.
Examples of total bill size at private hospitals~
#3 Protect your financial independence
Enjoy these deals
We make sure you’re getting the best deals in town, with these savings.
For a limited time only, enjoy a waiver of the prevailing Goods and Services Tax (GST) for your Singlife Shield Starter and Health Plus Starter first-year premium!
Use promo code 0GST
Valid untill 31st October 2023.
Terms and Conditions apply.
Get more with Singlife
Policyholders of Singlife Shield Starter and Health Plus Starter 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.
With a Letter of Guarantee (LoG), you can enjoy a waiver of your upfront deposit up to S$20,000 for your inpatient medical treatments at over 20 hospitals including public hospitals in Singapore.
Read Important Notes
All ages mentioned refer to age next birthday.
~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.
Important Notes regarding Additional Premium Support (APS) policy
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.
Singlife Shield Starter Product Summary
PDF (157.3 KB)
Singlife Health Plus Starter Product Summary
PDF (129.5 KB)
Singlife Shield Starter Policy Terms and Conditions
PDF (160.2 KB)
Singlife Health Plus Starter Terms and Conditions
PDF (91.5 KB)
Singlife Shield Starter and Singlife Health Plus Starter Declaration Document
PDF (110.0 KB)
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 19 July 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).