Terms and Conditions apply.

For complete details, please refer to the policy contract or speak to your preferred Financial Adviser Representative.

As charged refers to the eligible expenses incurred by the Life Assured which is subject to pro-ration, deductible, co-insurance, policy year limit, admission of ward class and other policy terms.

1. Pre-hospital treatment benefit: Covers eligible medical expenses incurred up to 180 days before admission (Plans 1 – 3) at A&E and preferred medical provider(s).

Post-hospital treatment benefit: Covers eligible medical expenses incurred up to 365 days after discharge (Plans 1 – 3) at A&E and preferred medical provider(s).

2. We will pay for planned inpatient treatment or day surgery at the overseas hospital that has an approved working arrangement with a Medisave-accredited institution/referral centre in Singapore. For details, please refer to the Product Summary and Policy Contract.

3. Please refer to the policy contract for details of major outpatient treatments.

4. Free newborn benefit:

    a. Starts from the date a newborn child turns 15 days old, on the day of discharge from hospital after birth, whichever is later.

    b. Coverage ends on the date the newborn is 6 months old or takes up a MediSave-approved Integrated Shield Plan, whichever is earlier.

Both parents must be covered under Singlife Shield Plan 1 or Singlife Shield Plan 2 continuously for at least 10 months from the cover start date of their respective policies on the newborn’s date of birth.

Coverage excludes pre-hospital and post-hospital treatments outside of the coverage period.

5. Discounted premium rates for child(ren) refers to Family Discount for Child(ren):

    a. Singlife Shield Plan 2
    - Up to 4 children, until 20 Age Next Birthday (ANB). Both parents have to be covered under Singlife Shield Plan 1 or Singlife Shield Plan 2.

    b. Singlife Health Plus Public
    - Up to 4 children, until 20 Age Next Birthday (ANB). Your dependent child who is covered under Singlife Shield's family discount for child(ren) is also eligible for free cover
    under Singlife Health Plus Public, attached to Singlife Shield Plan 2.Both parents have to be covered under Singlife Shield Plan 1 or 2, together with either of these

    (Singlife Health Plus options - Private/Public Lite, Private Cover, Private/Public Prime or Private/Public).

6. 20% No Claims Discount on Singlife Health Plus applies if:

●    The cover start date or renewal date of your policy is on or after 1 Apr 2025.

●    Total claims we have paid during the assessment period under your Singlife Shield and Singlife Health Plus policies (excluding MediShield Life) is S$0.

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

●    First policy year: Past 10 months

●    Second policy year: Past 22 months

●    Third policy year onwards: Past 24 months 

Any refund (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.

7. Extra Inpatient Benefit for 5 critical illnesses, covering heart attack of specified severity, major cancer, stroke, end-stage lung disease and end-stage liver disease.

8. Additional critical illness benefit for kidney failure will be covered based on the type of centre or hospital at which the Life Assured receives the dialysis.

9. We will pay for expenses associated with outpatient psychiatric consultation (including medication prescribed and standard diagnostic tests on the same visit), subject to co-insurance and up to the limits specified in the Benefits Schedule. Your policy must be in force for at least 10 continuous months starting from the cover start date of this policy.

10. This benefit is claimable once per lifetime and provides coverage of up to S$20,000 per lifetime, for a maximum of 730 consecutive days. This benefit is only for Life Assured with both Singlife Health Plus and Singlife CareShield/ElderShield Standard/Plus, who has been certified eligible to claim for Severe Disability Benefit.

11. The policy year limit of S$2,000,000 assumes that all treatments in the policy year are made through A&E or preferred medical provider(s).
Preferred medical provider(s) refers to the list of approved medical providers (e.g., panel specialist in a private hospital for inpatient treatment, doctors in a public hospital, etc.), which may be found at https://singlife.com/medicalspecialists, as updated by us from time to time.

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.

Your premiums are used to pay for commissions, claims and other expenses involved in administering your policy*. See table below for a breakdown:
 

The cost of claims would change depending on the claim size and number of claims submitted by policyholders. In the past 3 years, the average bill size had decreased by 17% in both public and private healthcare institutions. The number of claims submitted per policyholder had increased by 26%.

*Based on all long-term accident and health plans, including IPs and riders. All figures are on gross basis.

Information is accurate as at 18 August 2023.

• FAQs for Singlife Shield
• FAQs for Singlife Health Plus
• Singlife Shield Policy Contract - Effective Apr 2025
• Singlife Shield Policy Contract - Effective Apr 2026
• Singlife Shield Standard Plan Policy Contract - Effective Apr 2025
• Singlife Shield Standard Plan Policy Contract - Effective Apr 2026
• Singlife Health Plus Policy Contract - Effective Apr 2025
• Singlife Health Plus Policy Contract - Effective Apr 2026
• Singlife Health Plus Private Cover Policy Contract - Effective Apr 2025
• Singlife Health Plus Private and Singlife Health Plus Public Cover Policy Contract - Effective Apr 2026
• Singlife Shield Interim Covers T&Cs
• Singlife Shield and Singlife Health Plus Revised Premium Rates (Effective Apr 2026)
• Request for changes to individual health products
• Health Declaration