Singlife Cancer Cover Plus II | Singapore Cancer Insurance Medical Plan

Singlife Cancer Cover Plus II

A plan that enhances your medical and financial coverage for cancer drug treatments worldwide. Limited time only: Get 10% OFF your first-year premiums. T&Cs apply.

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Get The Cancer Treatment You Need - Anywhere in The World - Without Financial Worries

Highly advanced cancer treatments today can mean better outcomes and shorter recovery periods. However, they can be extremely costly. No matter what treatment you choose and where you decide to have it, nothing should stop you from getting the cancer care that’s best for you.

Singlife Cancer Cover Plus II offers a better way for you and your loved ones to focus on your recovery and quality of life. 

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Safeguard Your Financial Health with Extra Coverage

Singlife Cancer Cover Plus II is a medical plan that offers protection against large medical bills from cancer treatments. With this plan, you can significantly reduce your out-of-pocket cancer treatment expenses both locally and overseas.

Key Benefits & Features

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Covers cancer treatments

Covers outpatient cancer drug treatment and services2, Proton Beam Therapy and Cell, Tissue and Gene Therapy3.

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As-charged coverage of up to S$1.5 mil

Have greater peace of mind knowing your out-of-pocket expenses are significantly reduced.

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Easy and fast application

Sign up by answering 3 simple health questions with no medical check-up needed.

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Option to seek cancer treatments overseas

Medical claims are covered both locally and overseas4

Why Would You Need Additional Cancer Treatment Cover?

In 2022, the Ministry of Health (MOH) introduced a Cancer Drug List (CDL) of more cost-effective cancer treatments for patients. Singlife Cancer Cover Plus II gives you greater control over your medical options as it covers cancer treatments both on the CDL and non-CDL.

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Cancer is common

1 in 4 people likely to develop cancer in their lifetime^

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Costly cancer treatments

Outpatient cancer treatment bills can cost up to S$1,000,000~

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Advanced medical options

Major advances in cancer treatment now provide options such as cell and gene therapy but these are very costly

Trusted Medical Partners for Cancer Treatment

Your recovery and peace of mind is our priority.

Singlife has teamed up with Singapore’s trusted names in cancer treatment - Icon Cancer Centre and Parkway Cancer Centre - so Singlife Cancer Cover Plus II policyholders can enjoy greater assurance and a seamless journey should they need cancer treatment.

Policyholders who choose to get treatments at our trusted medical partners will enjoy:

- Dedicated and personalised cancer treatments;

- Broad spectrum of evidence-based cancer services; and

- Comprehensive end-to-end journey for cancer treatment.

 

Promotion

Enjoy 10% first year premium discount

Enhance your coverage with Singlife Cancer Cover Plus to enjoy a 10% first-year premium discount. Terms and conditions apply.

Additional discount for MINDEF/MHA/POGIS

MINDEF/MHA & POGIS insured members and their family will enjoy a 20% first-year premium discount on Singlife Cancer Cover Plus II. Terms and conditions apply.

Find out more

Getting healthcare support couldn't be easier with Singlife Care Collab, a one-stop health services hub.

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Frequently Asked Questions

What type of insurance covers cancer treatment in Singapore?

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Cancer is the number one cause of death in Singapore. The risk of cancer is real, but there are multiple ways to plan for and achieve financial freedom for your healthcare needs: 

  1. Critical Illness (CI) plans will provide you with a lump-sum amount cash payout in cash upon diagnosis. This can go a long way to help you cover any loss of income or other expenses while you undergo treatment. Click here to find out more Critical Illness Insurance Plans Singapore . 

  2. Integrated Shield Plans and MediShield Life provide you with the basic coverage for your inpatient hospitalisation bills and outpatient cancer drug treatments and services. These plans will reimburse you up to the respective claim limits depending on the cancer drug treatments you need.  

  3. Standalone cancer plans like Singlife Cancer Cover Plus II that provides you with protection against large medical bills from cancer treatments. Singlife Cancer Cover Plus II is a first-in-market, standalone medical plan that covers outpatient cancer drug treatments (CDL and non-CDL), outpatient cancer drug services as well as selected cancer treatments (e.g., Proton Beam Therapy and Cell, Tissue and Gene Therapy) up to S$1.5 million worldwide. 

Do I need extra cancer coverage if I already have a critical illness (CI) plan?

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Critical Illness (CI) plans will provide you with a lump-sum cash payout upon diagnosis.  Highly advanced cancer treatments today can mean better outcomes and shorter recovery periods. However, they can be extremely costly and with cancer treatments getting more expensive each year, Singlife Cancer Cover Plus II is designed to help reimburse large cancer treatment bills up to S$1.5million and reduce your out-of-pocket expenses. You may want to consider a standalone cancer cover plan for additional coverage against hefty medical bills, 

Important Notes

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Click here for Promotion T&Cs 

All ages mentioned refer to age next birthday.

 

^Source: Singapore Cancer Society, Common Types of Cancer in Singapore (singaporecancersociety.org.sg)

 

~ Based on Singlife Claims Statistics, 2022

 

1. Singlife Cancer Cover Plus II is designed to complement Singlife’s Shield plans and riders. Please refer to your Integrated Shield Plan and riders’ coverage to determine if this product will fully or partially complement your own medical coverage.


2. (a) Outpatient Cancer Drugs Treatment (on the CDL)


We will pay for the charges the Life Assured has to pay as an outpatient at a hospital or cancer treatment centre registered with the MOH or approved by us for cancer drug treatment that are listed on the Cancer Drug List / CDL. Treatments are defined as drug-indication pairs, as described in the CDL: https://go.gov.sg/moh-cancerdruglist. Outpatient cancer drug treatments are only claimable under your policy if used according to the clinical indications specified on the CDL (as at the date of treatment), unless otherwise stated in your policy. MOH may update the CDL from time to time. 
 

(b) Outpatient Cancer Drugs Treatment (Non-CDL)
 

We will pay for outpatient cancer drug treatment 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.
 

(c) Outpatient Cancer Drug Services
 

We will pay for the charges the Life Assured has to pay for cancer drug services for outpatient cancer drug treatments. The services are not required to be specific to treatments on the CDL and are payable even if they were for a non-CDL treatment. These include: consultations, scans, lab investigations, treatment preparation and administration fee, supportive care drugs (e.g., for pain/nausea), and blood transfusions, as long as these are part of cancer drug treatment. 

 

3. (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.

 

4. Overseas Treatment
 

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.

 

5. The cancer drug treatment benefit limit is based on a multiple of the MediShield Life claim limit for the specific cancer drug treatment. Please refer to the Cancer Drug List / CDL on the MOH website: https://go.gov.sg/moh-cancerdruglist for the MediShield Life claim limit on the applicable cancer drug treatment.

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Disclaimers

This policy is underwritten by Singapore Life Ltd.
 

This is for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. You may get a copy of the Product Summary may be obtained from Singapore Life Ltd and the participating distributors’ offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. If you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you.

As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This information is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.

 

Information accurate as at 14 March 2024.
 

This advertisement has not been reviewed by the Monetary Authority of Singapore. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information of the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Singapore Life Ltd or visit the Life Insurance Association Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

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