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Singlife Shield Starter and Health Plus Starter

An affordable medical insurance plan with add-ons to protect you against unexpected hospital bills.

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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 600 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:


  • Accidents
  • Food poisoning
  • Infectious intestinal diseases


#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~


  • Foot fracture: S$18,227
  • Urinary tract infection: S$11,834
  • Gastroenteritis: S$8,521

#3 Protect your financial independence

  • Leave your hard-earned money untouched for your financial goals
  • Avoid medical debt
  • Stay covered should you take a work break and lose your corporate medical coverage

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

Enjoy these deals

We make sure you’re getting the best deals in town, with these savings.

GST Waiver

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 GST0

Valid untill 31st December 2024.
Terms and Conditions apply.

Get more with Singlife

Get priority to our panel of medical specialists

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.

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$20,000 for your inpatient medical treatments at over 20 hospitals including public hospitals in Singapore.

Find out more

Read Important Notes


All ages mentioned refer to age next birthday.


*Source: HealthHub, Top 10 Reasons for Hospitalisation in Singapore (

~Source: Ministry of Health, Historical Transacted Bill Sizes and Fee Benchmarks https:/

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
    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.


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.



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 ( or