At a Glance

Add on Singlife Health Plus to your Singlife Shield plan for even more benefits to your medical coverage. Choose what best suits your needs from two options

Co-insurance cap of S$3,000 per policy year for treatments with our preferred medical providers

 

Mental wellness benefit covers expenses associated with outpatient psychiatric consultation (after 10 months of continuous cover)

 

Free or discounted Singlife Health Plus coverage for your children

 

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Features & Benefits

  • Co-insurance cap of S$3,000 per policy year for treatments with our preferred medical providers1
  • Lump-sum payout of S$10,000 for five critical illnesses per lifetime – additional lump-sum payout of up to S$3,000 per lifetime for kidney dialysis as a result of kidney failure2
  • Mental wellness benefit covers expenses associated with outpatient psychiatric consultation3 (after 10 months of continuous cover)
  • Covers 50% of Singlife Shield annual deductible when you stay in a lower ward class than your plan entitlement4 (for Singlife Health Plus Private and Public Lite plans)
  • Free or discounted Singlife Health Plus coverage for your children5
 

How it Works

Joyce is 30, and a working mum. She’s diagnosed with breast cancer during a routine check-up and her total medical bill in a private hospital comes up to S$300,000.

She has Singlife Shield Plan 1, with Singlife Health Plus Private Prime and chooses a doctor from Singlife’s panel of specialists.

Singlife Shield Plan 1 with Singlife Health Plus Private Prime covers most of Joyce’s medical bill, leaving her with little out-of-pocket expenses. Here’s how much she has to pay with and without pre-authorisation.

With pre-authorisation

The inpatient hospital treatment covered is for up to 180 days before admission and ys aſter discharge.
Without pre-authorisation

The inpatient hospital treatment covered is for up to 90 days before admission and 180 days aſter discharge.
Hospital bill S$300,000 Hospital bill S$300,000
Deductible for stay in private hospital S$0 Deductible for stay in private hospital S$0
Out-of-pocket expenses: She pays co-insurance (Co-insurance = 5% or maximum of S$3,000 per policy year, whichever is lower) S$3,000 Out-of-pocket expenses: She pays co-insurance (Co-insurance = 5% or maximum of S$12,750 per policy year, whichever is lower) S$12,750
Total amount paid by Joyce S$3,000 Total amount paid by Joyce S$13,750
Remaining bill amount covered by Singlife Shield Plan and MediShield Life S$297,000 Remaining bill amount covered by Singlife Shield Plan and MediShield Life S$286,250

+ She also receives a S$10,000 lump-sum payout under Singlife Health Plus critical illness benefit


Footnotes:

1Preferred medical provider means any of the following:

  • 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,
  • subsidised centre for kidney dialysis,
  • panel private dialysis centre, or
  • A&E.

2Additional 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.

3We 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.

4Ward Downgrade Benefit:
If the Life Assured is an inpatient at a Singapore restructured hospital, we pay this benefit as shown in the benefit schedule as long as:

  • the admission as an inpatient is recommended by a doctor as necessary medical treatment; and
  • the Life Assured stays in the following wards lower than his/her chosen plan:
    - For Plan 1, any standard ward of a restructured hospital;
    - For Plan 2, a 4-bed (B1) standard ward or below of a restructured hospital; or
    - For Plan 3, a 6-bed (B2) standard ward or below of a restructured hospital.

5Your 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 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.

Your dependant child who is covered under Singlife Shield’s family discount for child(ren) is also eligible for the 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 Public Prime policy attached to Singlife Shield Plan 2 of the Benefits Schedule.

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

Information is correct as at 01 April 2022.

DBS Insurance Important Notes

Footnotes:

1Preferred medical provider means any of the following:

  • 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,
  • subsidised centre for kidney dialysis,
  • panel private dialysis centre, or
  • A&E.

2Additional 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.

3We 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.

4Ward Downgrade Benefit:
If the Life Assured is an inpatient at a Singapore restructured hospital, we pay this benefit as shown in the benefit schedule as long as:

  • the admission as an inpatient is recommended by a doctor as necessary medical treatment; and
  • the Life Assured stays in the following wards lower than his/her chosen plan:
    - For Plan 1, any standard ward of a restructured hospital;
    - For Plan 2, a 4-bed (B1) standard ward or below of a restructured hospital; or
    - For Plan 3, a 6-bed (B2) standard ward or below of a restructured hospital.

5Your 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 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.

Your dependant child who is covered under Singlife Shield’s family discount for child(ren) is also eligible for the 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 Public Prime policy attached to Singlife Shield Plan 2 of the Benefits Schedule.

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

Information is correct as at 01 April 2022.

DBS Insurance Important Notes

 

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