Singlife Shield Starter and Health Plus Starter

At a Glance

Up to S$20,000 coverage on top of MediShield Life

Provides coverage for inpatient and outpatient hospital treatment costs, including private hospitals or Class B1/A wards in public hospitals.

Add S$1.09/year to reduce your co-payment

Simply add the Health Plus Starter rider to your Singlife Shield Starter plan during your application.

Affordable premiums for the budget conscious

Payable with CPF MediSave up to approved limits.

Apply now

Features & BenefitsSinglife Shield Starter is created for budget-conscious under 40-year-olds, protecting you against unexpected hospital bills and minimises your out-of-pocket expenses.

As-charged coverage of up to S$20,000 from just S$328.09 a year, payable via MediSave

Your hospital bills at more than 600 of Singlife’s preferred medical providers are covered.

Lower out-of-pocket expenses at a budget-friendly premium

Co-payment will be reduced to just 5% of the hospital bills by simply adding the Health Plus Starter to your Shield plan at S$1.09/year.

Higher coverage of up to S$1 million from age 40

Guaranteed conversion to Singlife Shield Plan 2 at age 40 with no need for additional medical check-ups.

Please refer to the Product Summary here.

What you need to know about hospitalisation coverage

MediShield Life vs Integrated Shield Plan
What is MediShield Life?	MediShield Life ensures lifelong health insurance coverage for major hospital bills and selected outpatient treatments. It covers most subsidised treatments in public hospitals (B2/C wards).
What is Integrated Shield Plan (IP)?	Integrated Shield Plans (IP) provide additional coverage on top of MediShield Life. That means higher coverage when you choose private hospitals or Class B1/A wards in public hospitals.

Do I need an Integrated Shield Plan (IP)?

The first step to getting the right coverage is knowing what you already have. It's okay if you aren't sure. Here's how to find out in just a few minutes:

Step 1: Visit the CPF website
Step 2: Log in using Singpass
Step 3: Go to ‘Healthcare dashboard’, view coverage status under ‘Healthcare insurance’ section

If you have an IP, it means you will also have MediShield Life. There is no duplicate coverage and no double premium payment.

Eligibility RequirementsAll Singapore Citizens and Permanent Residents are covered by MediShield Life.
There is no age limit for the application of IP and one can get an IP from birth.

Apply nowGetting a Singlife Shield Starter plan and Health Plus Starter rider is simple and fully digital. Sign up now!Apply nowYou can also leave your contact details and we will get in touch soon.Contact me

Disclaimers

The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced, or communicated to any other person without prior written permission. This website does not take into account the specific investment objectives, financial situation or needs of any particular person. Before entering into any transaction involving any product mentioned in this website, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
The website herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.
We may receive fees or commission from our insurer partners for marketing or selling their products to you.
DBS may vary the terms & conditions or discontinue any promotion/privileges at any time without any notice or liability to any party.
DBS makes no warranty or representation as to the quality, insurability or fitness for purpose of the insurer's goods and services. Any dispute about the same must be resolved directly with the insurer.
DBS shall not be liable for any loss, injury, claim or damage suffered or incurred as a result of the use of the insurer's goods and services.
DBS/POSB is not an agent of any of these participating clinics and makes no representation as to the quality service provided. All feedback should be directed to insurer, whose terms and conditions will apply.
Price stated is inclusive of prevailing GST.

In Collaboration with Singlife
Singlife Shield Starter and Health Plus Starter are underwritten by Singapore Life Ltd., and distributed by DBS Bank Ltd. It is not an obligation of, deposit in or guaranteed by DBS.

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 a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. This is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract.

These policies are 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 on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Singlife or visit the Life Insurance Association or SDIC websites.

Information is accurate as at 1 Nov 2025.

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