At a Glance

Singlife Shield is an additional cover that integrates and complements the benefits of MediShield Life, providing you with wider and higher hospitalisation and medical coverage.

Get as charged coverage for hospital stays in a Private ward, Class A (1-bed) or B1 (4-bed) ward, depending on your plan

 

S$2,000,000 policy year limit for Singlife Shield Plan 1 with pre-authorisation via Singlife's panel of private medical specialists

 

Covers up to 180 days of pre-hospital treatment and up to 365 days of post-hospital treatment (with pre-authorisation)

 

MediShield Life is a basic insurance plan, designed to give adequate coverage for stays at Class B2 or C wards in public hospitals. With mounting medical costs, you’ll need assurance that you and your family won’t be financially burdened by huge hospital bills.

Singlife Shield is an additional cover that integrates and complements the benefits of MediShield Life, providing you with wider and higher hospitalisation and medical coverage.

Find out more from our Wealth Planning Managers

Features & Benefits

Choice of ward type with different policy year limits

• As charged¹ coverage for hospital stays in a Private ward, Class A (1-bed) and B1 (4-bed) wards in public and private hospitals depending on the chosen plan type
• High annual coverage limit of up to S$2,000,000²
• 10% co-insurance capped at S$25,500 per policy year
• As-charged coverage for inpatient hospital treatment – up to 180 days before admission and 365 days after discharge³
• Cancer coverage, including outpatient cancer treatment, proton beam therapy treatment as well as cell, tissue and gene therapy, and preventive treatment⁴
• Covers up to 24 inpatient pregnancy complications⁵
• Coverage for Long-term Parenteral Nutrition (vein feeding) and Inpatient Palliative Care
• Free or discounted Singlife Shield coverage for your children⁶

How it Works

Sam is 47, single and a trader. He undergoes heart surgery and his total medical bill in a private hospital comes up to S$80,000.

Currently, he has a SingLife Shield Plan 1, with no rider.

Singlife Shield Plan 1 provides coverage on top of Sam’s MediShield Life and reduces Sam’s out-of-pocket expenses.

Footnotes:

All ages mentioned refer to age next birthday.

¹No claims discount entitles you to a 15% discount on Singlife Health Plus premiums if:

• the cover start date or renewal date of your policy is on or after 1 April 2022, and
• the total claim amount that we have paid during the assessment period under your Singlife Shield and Singlife Health Plus policies (excluding the claim amount paid by MediShield Life) is less than or equal S$1,000.

Any refunds (e.g. refunds from other insurance policies that cover 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.

²The policy year limit of S$2,000,000 assumes that all treatments in the policy year are made through preferred medical provider(s) which includes:

Panel specialist or extended panel in a private hospital (with certificate of pre-authorisation), public hospital, community hospital, MOH-approved Inpatient Hospice Palliative Care Service (IHPCS) provider, A&E, subsidised centre for kidney dialysis & panel private dialysis centre

³Pre-hospital treatment benefit refers to the eligible expenses incurred up to 180 days before admission for Plan 1, Plan 2 and Plan 3 at public hospitals. 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 public hospitals. For pre- and post-hospital treatment at private hospitals, you must have received a certificate of pre-authorisation via Singlife’s panel of medical specialists for your hospital stay.

⁴Inpatient 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.

⁵Pregnancy complications must be first diagnosed by a registered obstetrician after a waiting period of 10 months. Please note that delivery charges are also not covered, except in the event of caesarean section with hysterectomy.

⁶Free 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.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 01 April 2022.

How to apply

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