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 refers to the eligible expenses incurred up to 180 days before admission for Plan 1, Plan 2 and Plan 3 at A&E or preferred medical provider(s). Post-hospital treatment benefit refers to the eligible expenses incurred up to 365 days after discharge for Plan 1, Plan 2 and Plan 3 at A&E or preferred medical provider(s).
2. Inpatient and outpatient Proton Beam Therapy treatment
   Pays 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.
   Inpatient and Outpatient Cell, Tissue and Gene Therapy
   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.
   Preventive treatment for cancer
   Preventive treatment for cancer covers surgery to prevent further cancer if the Life Assured already had treatment for cancer and we have paid for the treatment.
3. Singlife Shield
   Free Singlife Shield coverage refers to free newborn coverage benefit which starts from the date a newborn child(ren) is 15 days old or the date of discharge from hospital after birth, whichever is later. The free 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 Plan 2 continuously for at least 10 months from the cover start date of their respective policies on the newborn’s date of birth. Pre-hospital treatment received before and post-hospital treatment received after the free coverage period are excluded. Discounted premium rates for child(ren) refers to the Family Discount for Child(ren) under Plan 2 coverage for up to 4 children, applicable till the child is 20 Age Next Birthday (ANB), if both parents are covered under Singlife Shield Plan 1 or Plan 2. Please refer to the Product Summary for more details.
   Singlife Health Plus
   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 at preferred rate for children under Singlife Health Plus Public Prime attached to Singlife Shield Plan 2, up to 20 years old (age next birthday). This is 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. The child shall enjoy the same benefits provided under the Public Lite policy attached to Singlife Shield Plan 2 of the Benefits Schedule.
4. Only cancer drug treatments on the Cancer Drug List (CDL) are claimable under Outpatient Cancer Drug Treatment benefit. Outpatient Cancer Drug Services that are part of a cancer drug treatment (including treatments not on the CDL), are claimable under the Outpatient Cancer Drug Services benefit.
5. Visit https://go.gov.sg/moh-cancerdruglist to view the latest version of the CDL. This list currently covers most cancer drug treatments approved by the Health Sciences Authority (HSA) and will be updated every few months by MOH.
6. We will pay for outpatient cancer drug treatment set out in under Classes A to E of 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, up to the limits stated in the benefits schedule and subject to co-insurance. Class F treatments are not covered.
7. 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.
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. 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 at https://singlife.com/medicalspecialists, as updated by us from time to time.
10. 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.
11. Please refer to the policy contract for details of major outpatient treatments.

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.

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