What you need to know about Singlife’s panel specialists and pre-approval process

Seeing a medical specialist from your insurer's panel and getting pre-approval for a treatment can bring benefits such as a higher coverage amount.

Learn more about how you can benefit from Singlife's panel specialists and pre-approval process.

What is a Singlife panel specialist?

A Singlife panel specialist is a private medical specialist specially selected by Singapore Life Ltd for Singlife Shield and Singlife Health Plus policyholders. There are over 600 specialists on the panel, which is carefully curated based on the specialists’ experience and reputation for delivering quality healthcare services.

  • 600+ medical specialists across various disciplines

The panel is curated based on the specialists’ experience and reputation for providing quality healthcare services.

  • Priority access

With expedited appointments, you can visit a medical specialist within three working days.

  • Preferred rates

Flash your e-member card on the ClaimConnect mobile app to enjoy preferred outpatient consultation rates exclusively for Singlife Shield policyholders.

• First consultation fee: S$120 (before GST)
• Follow-up consultation fee: S$70 (before GST)

How Singlife’s pre-approval process helps you

Guaranteed coverage for hospitalisation Cashless admission High coverage and benefits
By getting a certificate of pre-authorisation for your hospitalisation claim when you visit a Singlife panel specialist, you’ll have pre-approval for your claim up to the policy limit. Enjoy peace of mind and focus on your recovery, not medical bills. Enjoy cashless admission if ever you require hospitalisation at participating hospitals and clinics. No cash payment is needed upon your discharge as we’ll settle the approved medical fees, excluding applicable deductible and/or co-insurance according to your policy terms.

Having a certificate of pre-authorisation increases your policy coverage:

• S$2,000,000 annual claim limit
• 180 days pre-hospitalisation treatment benefit
• 365 days post-hospitalisation treatment benefit


Benefits of choosing a panel specialist1 with Singlife Shield Plan 1 and Singlife Health Plus Private Prime

  Panel specialist in a private hospital  Non-panel specialist in a private hospital 
  (with certificate of pre-authorisation) 
(without certificate of pre-authorisation) 

Policy year limit
(Singlife Shield Plan 1)

S$2,000,000 S$1,000,000 S$1,000,000

treatment benefit2

As charged
up to 180 days
As charged
up to 90 days
As charged
up to 90 days
treatment benefit2
As charged
up to 365 days
As charged
up to 180 days
As charged
up to 180 days

Singlife Health Plus
annual deductible3

S$1,000 for
inpatient treatment
S$2,000 for
inpatient treatment
S$2,000 for
inpatient treatment
S$500 for
day surgery
S$1,000 for
day surgery
S$1,000 for
day surgery

(payable by policyholder)

S$3,000 per
policy year
Not applicable Not applicable



1. The comparison chart is for Singlife Shield Plan 1 and Singlife Health Plus Private Prime customers. Singlife Shield Plan 2 and Singlife Shield Plan 3 are not designed to cover expenses incurred with private medical specialists, including those on Singlife’s panel. Hence, the cost of any hospitalisation, surgery or treatment received at these specialist centres under these plans may be pro-rated.

2. The duration of coverage for the pre- and post-hospitalisation benefit listed in the chart is for Singlife Shield Plan 1 new customers who purchased the plan from 1 January 2020, and existing Singlife Shield Plan 1 customers whose policies are renewed from 1 January 2020.

3. The annual deductibles for Singlife Health Plus listed in the chart are for Singlife Health Plus customers who purchased the rider from 1 January 2020. Singlife Health Plus riders purchased before 1 January 2020 are subject to different annual deductible amounts. Please refer to the Product Summary for details.


Need to see a medical specialist?

To enjoy getting priority appointments, preferred rates and cashless admissions, simply browse our panel specialist listing or download Singlife ClaimConnect app from the Apple App Store or Google Play store

Alternatively, speak to your financial adviser representative or 

give us a call to book an appointment

1800 8800 880

Available 24 hours daily

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