Medical & Health

MyShield Plus

A rider to your MyShield plan which covers the deductible and co-insurance payments to minimise your medical expenses.

MyShield Plus

MyShield Plus is a rider to your MyShield plan. In addition to all the benefits available in MyShield, MyShield Plus covers the deductible and co-insurance payments and minimises your out-of-pocket medical expenses.

Why choose MyShield Plus?

  • Flexibility to choose MyShield Plus Option A to cover your co-insurance and enjoy other benefits, Option C to provide medical coverage from the first dollar onwards.
  • S$10,000 Lump sum upon diagnosis of any of 30 major critical illnesses1
  • Up to S$300 daily hospital benefits2
  • Free coverage for your child(ren)3 including coverage for 30 critical illnesses

1 To be eligible for the Critical Illness Benefit under this Policy, you must be aged between one year old and 65 years old at age next birthday at the point of commencement of cover. Any Insured Person below one year old will is only eligible for Critical Illness Benefit when he attains the age of one. For Major Cancers, Coronary Artery By-Pass Surgery and Heart Attack, the Critical Illness Benefit will only be payable if they are diagnosed 90 days after the date an Insured is first covered under this Policy or the date of reinstatement of this Policy (whichever is later). The benefit will be payable after the end of the period of 30 days from the date on which an Insured Person is diagnosed as suffering from a Critical Illness.
2 For admission to government/ restructured hospitals of wards lower than that of chosen plan. This excludes day surgery, confinement in Community Hospital and confinement in private Hospital
3 Your dependant child(ren) who is eligible for free coverage under MyShield, is also eligible for free coverage under Option A Plan 2 of MyShield Plus if both parents are also insured under Plan 1 or Plan 2 of MyShield Plus and covered under Plan 1 or Plan 2 of Option A or Option C. The child(ren) shall enjoy the same benefits as provided for under Option A Plan 2 of the Benefits Schedule.

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Product Details


Benefits
(All Amounts in S$)
Plan 1Plan 2Plan 3
Hospital Ward TypeAny A1 Private WardAny Government/ Restructured WardB1 Government/ Restructured Ward
OPTION A BENEFITS
1) Co-Insurance Benefit

As incurred under MyShield

2) Critical Illness Benefit
(up to age 65)
(Per Lifetime)
S$10,000S$10,000S$10,000
3) Hospital-Related Benefits ^
a) Daily Hospital
Cash Benefit ^^
S$300 per day

If admitted to any Singapore Government/ Restructured Ward
S$150 per day

If admitted to class B1 or lower of Singapore Government/ Restructured Ward
S$100 per day

If admitted to class B2 or lower of Singapore Government/ Restructured Ward
b) Ambulance Fees/
Transport by Taxi to
Hospital (per injury
or illness)
S$80S$80S$80
c) Accommodation
Charges for Parent/
Guardian of Insured
Child + (per day)
S$80

Up to 10 days
S$65

Up to 10 days
S$50

Up to 5 days
d) Post-Hospital
Follow-Up TCM#
Treatment

(up to 90 days
after discharge)
(per visit)
S$45S$45S$45
4) Free Coverage for
Child(ren) *
YesYesN.A.
5) Accidental Coverage
for Child Benefit
(per lifetime)

S$1,000

6) Advanced Benefits for MyShield
a) Inpatient Congenital
Anomalies

As charged after 12 months Waiting Period

b) Post-Hospitalisation
Follow-Up Treatment

As charged within 180 days after discharge

c) Confinement in
Community Hospital

As charged up to 60 days per Policy Year

d) Accidental Inpatient
Dental Treatment

As charged within 31 days following Accident

OPTION C BENEFITS
7) All benefits under
Option A according
to chosen plan
excluding Free
Coverage for
Child(ren)
YesYesYes
8) Preferred Rate for
Child(ren) **
YesYesN.A.
9) Deductible as incurred
under MyShield
YesYesYes

^ Provided we make a claim payment under MyShield (other than MediShield) and/ or Deductible Benefit of MyShield Plus.
^^ For admission to government/ restructured hospitals of wards lower than that of chosen plan. This excludes day surgery, confinement in Community Hospital and confinement in private Hospital.
+ Insured child(ren) refers to the Insured Person who is below 19 years old at age next birthday
# Traditional Chinese Medicine
* Based on benefits under Option A Plan 2, up to 20 years old at age next birthday, provided both parents take up MyShield Plus Plan 1 or 2, and are covered under Plan 1 or Plan 2 of Option A or Option C.
** Child(ren) covered under Option C benefits will pay a preferred rate under Option C Plan 2, up to 20 years old at age next birthday, provided both parents take up MyShield Plus Plan 1 or 2, and are covered under Plan 1 or Plan 2 of Option A or Option C.


Premium Tables for MyShield Plus Option A

Annual Premium per person in Singapore Dollars (inclusive of 7% GST)

Age Next Birthday

Plan 1 Plan 2 Plan 3

1 to 20

S$66.24S$43.00S$31.47

21 to 30

S$109.00S$47.25S$37.01

31 to 40

S$115.00S$55.00S$44.00

41 to 45

S$115.00S$108.50S$88.70

46 to 50

S$115.00S$110.40S$107.00

51 to 55

S$152.00S$148.00S$139.00

56 to 60

S$290.00S$255.00S$233.40

61 to 65

S$553.25S$488.94S$441.80

66 to 70

S$750.00S$661.00S$539.00

71 to 73

S$788.00S$701.00S$581.10

74 to 75

S$793.00S$701.00S$581.10

Premium Tables for MyShield Plus Option C

Annual Premium per person in Singapore Dollars (inclusive of 7% GST)

Age Next Birthday

Plan 1 Plan 2 Plan 3

Preferred Rates for
Child(ren) 1 to 20

N.A.S$160.00N.A.

1 to 20

S$331.00S$203.00S$173.00

21 to 30

S$378.00S$238.01S$202.01

31 to 40

S$384.00S$251.00S$213.00

41 to 45

S$384.00S$338.00S$275.00

46 to 50

S$384.00S$365.00S$310.00

51 to 55

S$425.00S$406.00S$345.00

56 to 60

S$572.00S$521.00S$443.00

61 to 65

S$1120.00S$885.00S$752.00

66 to 70

S$1561.00S$1345.00S$1143.00

71 to 73

S$1600.00S$1500.00S$1275.00

74 to 75

S$1605.00S$1500.00S$1275.00

* Renewal Only


Note:

  • The plan chosen must be the same as MyShield and annual premium must be paid in cash.
  • Rates will increase when the Insured Person enters into the next age band on the date of renewal.
  • Maximum entry age is 75 age next birthday. For those above 75 age next birthday, premiums are for renewal only. Please refer to the Product Summary for renewal rates.
  • For monthly payment mode, multiply annual premium rates by 0.0853.
  • MyShield Plus is a guaranteed renewable policy. Rates are not guaranteed and subject to regular review on portfolio basis. Insured Person will not be penalised for individual poor claim experience or ill health.