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Click here for SG60 and Beyond discount Terms and Conditions.

1. The Life Assured may receive an additional 20% of their monthly benefit — for up to 36 months — while they're receiving their monthly benefit or rehabilitation benefit.

2. The Life Assured may receive an additional 60% of their monthly benefit – for up to 12 months – while they’re receiving their monthly benefit or rehabilitation benefit.

3. MediSave use is applicable to an amount of up to S$600, per calendar year, per life assured. Premiums exceeding this limit will have to be paid in cash. If there are insufficient funds in the designated MediSave account, cash payment will be required for the difference.

4. Total payout of $170,000 is based on the maximum benefit amount of $2,000, including Cognitive Care (5 times benefit over 10 years), Mental Care Benefit (5 times benefit over 5 years), Emotional Resilience Benefit (5 times benefit lump sum) and Medical Expenses Benefit (5 times benefit lump sum).

5. Get covered for Major Depressive Disorder, Schizophrenia, Bipolar Disorder, and Early/Intermediate Dementia under the Mental Care Benefit.

6. We will pay a one-time lump-sum payout of 5 times the chosen benefit amount under the Emotional Resilience benefit for Depressive or Anxiety Disorder after a Dementia diagnosis and Medical Expenses benefit for accidental burns and fractures after a Dementia diagnosis.

7. (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.

8. 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.

9. No claims discount entitles you to a 15% discount on Singlife Health Plus premiums if:

• the cover start date or renewal date of your policy is on or after 1 April 2022, and
• the total claim amount that we have paid during the assessment period under your Singlife Shield and Singlife Health Plus policies (excluding the claim amount paid by MediShield Life) is less than or equal to S$1,000.

Any refunds (e.g. refunds from other insurance policies that cover the same Life Assured), excluding the refund amount for MediShield Life, which we receive during an assessment period will reduce the total claim amount paid in that assessment period.

Assessment period means the following periods starting two months before your next policy renewal date:

• For the first policy year, the past 10 months
• For the second policy year, the past 22 months
• For the third policy year onwards, the past 24 months

Any refunds (e.g. refunds from other insurance policies that covers the same Life Assured), excluding the refund amount for MediShield Life, which we receive during an assessment period will reduce the total claim amount paid in that assessment period.

10.   Your dependant child who is covered under Singlife Shield's family discount for child(ren) is also eligible for free cover under Singlife Health Plus Public Lite or the Preferred Rate for Children under Singlife Health Plus Public Prime, both attached to Singlife Shield Plan 2, up to 20 years old (age next birthday). These are provided that both parents are covered under Singlife Shield Plan 1 or 2, together with either of these Singlife Health Plus options - Private/Public Lite, Private Cover or Private/Public Prime. Please refer to the Product Summary for more details.

11. $60 SG60 and Beyond discount for Singlife Elite Term II (Regular pay) and (Limited Pay) is applicable in the currency of the contract.

Singlife Dementia Cover

This policy is not a MediSave-approved policy, and you may not use MediSave to pay the premium for this policy.

Singlife CareShield Standard/Plus

You will need to have a CareShield Life (CSHL) or ElderShield (ESH) policy before purchasing Singlife CareShield Standard/Plus (“Supplements”).

Supplements purchased by CSHL policyholders are regulated under the CareShield Life and Long-term Care Act. Supplements purchased by ESH policyholders before the transfer of ESH to Government administration are considered ESH Supplements, which are regulated under the Central Provident Fund (Withdrawals for ElderShield Scheme) Regulations. After the transfer, they are considered CSHL Supplements, regulated under the CareShield Life and Long-term Care Act.

Singlife CareShield Standard/Plus

Anyone who pays for, or is insured under Singlife CareShield Standard/ Singlife CareShield Plus, 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 this Singlife CareShield Standard/ Singlife CareShield Plus policy, you will stop receiving APS. This applies even if you are not the person paying for this Singlife CareShield Standard/ Singlife CareShield Plus policy. 
 

In addition, if you choose to be insured under Singlife CareShield Standard/ Singlife CareShield Plus policy, the person paying for Singlife CareShield Standard/ Singlife CareShield Plus 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 and Health Plus

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