At Singlife, we continually review our policies to ensure they remain competitive and relevant to your healthcare needs.

As such, we’ve revised the benefits and premiums of our Singlife Shield and Singlife Health Plus plans to better support policyholders while addressing rising medical costs.

Enhanced No Claims Discount (NCD)

To reward healthier lifestyles, we’ve increased the No Claims Discount (NCD) for Singlife Health Plus to 20% from 15% previously. This applies to all new policies and renewals where no claims are paid under Singlife Shield or Singlife Health Plus during the assessment period.

This means that as long as the total claims paid under your Singlife Shield and Singlife Health Plus plan is S$0, you’ll continue to qualify for the NCD at your renewal, regardless of any claims paid through MediShield Life (MSHL). This is our way of affirming our commitment to providing value for policyholders while encouraging healthier living and keeping premiums sustainable.

* The total claim payout amount excludes claims paid by MediShield Life and will be adjusted if there is any refund from other insurance policies covering the same life assured.

Premium Adjustments Based on Age

Singlife Shield and Singlife Health Plus premiums will be raised from 1 April 2025. These are also in line with increases to the premiums for MediShield Life, the basic health insurance plan, administered by the Central Provident Fund (CPF) Board.

Premiums will now increase gradually with age instead of by broad age bands,  This tailored structure allows us to continue providing comprehensive protection while moderating the impact of premium increases as policyholders grow older.

We understand premium adjustments can cause concerns and we are here to help. If you feel your current plan no longer aligns to your current needs, we have put alternatives in place for you to consider, including switching to a more affordable plan and/or rider (e.g., switching from Singlife Health Plus Private Prime to Singlife Health Plus Private Lite). You may contact your Financial Adviser Representative to explore the options.     

For the latest Singlife Shield and Singlife Health Plus premium rates, please refer to your premium notification letter or view them here.

For more details on the changes to MediShield Life benefits and premiums, please refer to the press release here.

Revised Cell, Tissue and Gene Therapy Benefit

Singlife Shield’s Inpatient and Outpatient Cell, Tissue and Gene Therapy benefit upon policy renewal will now align with the Ministry of Health’s (MOH) guidelines. This is to ensure the coverage we provide is focused on clinically approved and effective treatments while maintaining long-term sustainability.

- Coverage will apply only to treatments listed on the MOH Cell, Tissue and Gene Therapy Products (CTGTP) list.

- Each policyholder is eligible for one treatment per lifetime for each CTGTP under this benefit.

Retained Co-Insurance Cap at Preferred Providers

(Exclusive to Singlife)

To help minimise out-of-pocket medical costs, we’ve retained the co-insurance caps when you seek treatment at Singlife’s preferred medical providers. Should you seek treatment at other non-preferred medical providers, note that you'll have to pay the full co-insurance amount.

This means if you seek treatment at Singlife’s preferred medical providers, the amount you’ll pay out of pocket for the co-insurance stays capped at:

These caps provide assurance and predictability, allowing you to better plan for your healthcare expenses.