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<div class="sc-eMigcr section-heading jDSeqC">Conditions of Access</div>
<div class="sc-fzsDOv section-text YcTab">Access to this third party web site is granted by DBS Bank Limited (hereinafter known as "DBS") subject to the terms and conditions set out herein. By accessing this web site, you agree to be bound by the terms and conditions set out herein. If you do not agree to any of these terms and conditions, please discontinue your access to this web site immediately.</div>
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<div class="sc-eMigcr section-heading jDSeqC">Disclaimer</div>
<div class="sc-fzsDOv section-text YcTab">DBS makes no representations or warranties in respect of this third party site you are about to access directly or indirectly via this web site. You acknowledge that the web site you are about to access is provided by [&lt;MerchantName&gt;] on an "as is", "as available" basis. DBS shall in no event be liable for any damage, loss or expense including without limitation, direct, indirect, special, or consequential damage, or economic loss arising from or in connection with:
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<li>any access, use or the inability to access or use this web site, or reliance on the contents of this web site;</li>
<li>any system, server or connection failure, error, omission, interruption, delay in transmission, computer virus or other malicious, destructive or corrupting code, agent, program or macros; Even if DBS or its agents or employees are advised of the possibility of such damage, loss and/or expense. Access to this web site is not an endorsement or verification of such web site and such web site should only be accessed at your own risks. This exclusion clause shall take effect to the fullest extent permitted by law.</li>
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DBS MarketPlace Image for Mobile and Web Application for all the viewers

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A medical plan for the budget conscious. Protects against unexpected hospital bills. T&Cs apply.

Singlife Starter Shield and Health Plus Starter

Enjoy wider coverage by adding on Singlife Health Plus Starter.

Singlife Shield Starter and Health Plus Starter

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<ol>
<li>The DBS Health Marketplace does not provide information on all Integrated Shield Plans and CareShield Life Supplements available in Singapore and only displays information from DBS’ insurer partners.</li>
<li>While we strive to keep all our insurers’ partners product information accurate and up to date, please note that the most updated product information will be only available on our insurer partners’ own site.</li>
<li>We may receive fees or commission from our insurer partners for marketing or selling their products to you.</li>
<li>The information provided on DBS Health Marketplace is only for education and your general information. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. If you require advice relevant to your own circumstances, please speak to a financial adviser. If you have chosen not to do so, you should read the precise terms, conditions and exclusions of the plan which can be found in the policy conditions available in the insurer partner’s website, including the free-look provision, and consider whether the plan is suitable for you.</li>
<li>DBS may vary the terms & conditions or discontinue any promotion/privileges at any time without any notice or liability to any party.</li>
<li>DBS makes no warranty or representation as to the quality, insurerability or fitness for purpose of the insurer's goods and services. Any dispute about the same must be resolved directly with the insurer.</li>
<li>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.</li>
<li>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 condition will apply.</li>
<li>Price stated is inclusive of prevailing GST.</li>
</ol>
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Singlife Shield Starter is created for budget-conscious under 40-year-olds, protecting you against unexpected hospital bills and minimises your out-of-pocket expenses.
<div>
Key benefits of Singlife Shield Starter:
</li>
<li>Lower out-of-pocket costs to 5% of your hospital bills with Singlife Health Plus Starter for an add-on of just S$1.
<li>As-charged annual coverage of up to S$20,000.
<li>Guaranteed conversion to Singlife Shield Plan 2 and Health Plus with higher coverage of up to S$1 million at age 40 without any need for underwriting.
<li>Payable via MediSave.
<div>

<div>
All ages mentioned refer to age next birthday (ANB).
<ol>
<li>Singlife Health Plus Starter will pay for the co-insurance and Singlife Shield Starter annual deductible costs that the policyholders must bear under Singlife Shield Starter. Policyholders have to pay 5% co-payment if they have a claim under their Singlife Shield Starter policy.</li>
<li>Singlife Shield Starter premiums quoted are before GST and payable via MediSave up to the Additional Withdrawal Limits (AWLs) of S$300. Rates are no guaranteed and subject to regular review on portion basis.</li>
<li>Singlife Health Plus starter premiums are payable by cash only.</li>
<li>The policy year limit of S$20,000 applies to actual claims payable, after any Singlife Shield Starter annual deductibles and co-insurance are taken into account. You can claim only a maximum of S$20,000 per year.</li>
<li>When you are 40, your Singlife Shield Starter and Health Plus Starter policies will be converted into the prevailing Singlife Shield Plan 2 (or equivalent plan for Public Hospital Class A ward) and Singlife Health Plus Public Prime (or equivalent rider for Public Hospital wards covering deductible and co-insurance), with no further underwriting.</li>

</div> 
<li>
This policy is underwritten by Singapore Life Ltd. ("Singlife").
<li>
Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs.
<li>
If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and Singlife/we (select where applicable) may recover from you any expense incurred by us in underwriting the policy.
<li> 
Anyone who pays for, or is insured under Singlife Shield Starter and Health Plus Starter policy is not eligible for Additional Premium Support (APS) from the Government.*
If you are currently receiving APS to pay for your MediShield Life premiums, and you choose to be insured under this Singlife Shield Starter and Health Plus Starter policy, you will stop receiving APS. This applies even if you are not the person paying for this Singlife Shield Starter and Health Plus Starter policy.
In addition, if you choose to be insured under this Singlife Shield Starter and Health Plus Starter policy, the person paying for Singlife Shield Starter and Health Plus Starter policy will stop receiving APS, if he or she is currently receiving APS.
* APS is for families who need assistance with MediShield Life premiums, even after receiving premium subsidies and making use of MediSave to pay for these premiums.
<li> 
This is published 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 Product Summary from Singapore Life Ltd. or our participating distributors offices. You should read the Product Summary before deciding whether to purchase the product. 
<li> 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.
<li>
This is not an insurance contract. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract.
<li> 
This advertisement has not been reviewed by the Monetary Authority of Singapore.
<li> 
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC).
<li> 
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 the coverage, where applicable, please contact Singlife or visit the GIA/LIA or SDIC websites
(www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Singlife Shield Starter and Health Plus Starter

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