Last updated: 18 May 2026
Singlife Health Plus Private is the new ISP rider for Singlife Shield Plan 1, launched from 1 April 2026 in compliance with MOH’s new rider requirements. It covers co-insurance payable by you when hospitalised in a private hospital, with a co-payment cap of $6,000 per year.
Read About: New ISP Rider Changes April 2026 Singapore: What You Need to Know
Read About: Singlife Shield Review 2026
Singlife Health Plus Private Product Details
- Supplementary rider for Singlife Shield Plan 1 (private hospital coverage)
- New from 1 April 2026, complies with MOH’s new ISP rider requirements
- Co-Insurance Coverage, 5% co-payment of eligible hospitalisation bills
- Annual Co-payment Cap, $6,000 per year (excludes minimum IP deductible)
- Minimum IP Deductible, $3,500 must be paid out of pocket (not covered by this rider)
- Cancer Drug Treatment, $10,000 per month for treatments on the Cancer Drug List
- Optional Add-on, Singlife Cancer Care Plus II for cancer treatments not on the CDL
- Care Collab Recovery Support Benefit, up to $20,000 over 2 years for home nursing care and rehabilitation services at no extra cost, available when holding both Singlife Health Plus and CareShield/ElderShield and qualifying for the Severe Disability Benefit
- Premium Savings, approximately 30% to 84% cheaper than old Health Plus Lite riders depending on age band
- Cash outlay only, rider premiums cannot be paid by MediSave
Read About: Integrated Shield Plan: 5 Things You Should Know in Singapore 2026
Read About: Best Integrated Shield Plans Singapore 2026: Top 3 ISPs Compared
Features of Singlife Health Plus Private at a Glance
Based on Singlife Shield Plan 1 with Singlife Health Plus Private rider.
Co-Insurance and Deductible Coverage
- Minimum IP Deductible, Not covered, you pay $3,500 out of pocket
- Co-insurance, Covered, 5% co-payment
- Annual co-payment cap, $6,000 per year
Cancer Drug Treatment
- Cancer Drug List (CDL) treatments, $10,000 per month
- Non-CDL cancer drug treatments, Covered with optional Singlife Cancer Care Plus II add-on rider
Care Collab Recovery Support Benefit
- Home Personal Care Services by trained care professionals, Up to $20,000 over 2 years
- Rehabilitation Services covering physiotherapy, occupational therapy and speech therapy, Included
- Available at no extra cost when holding both Singlife Health Plus and CareShield/ElderShield
- Only activated when policyholder qualifies for the Severe Disability Benefit
- No other ISP rider in Singapore currently offers this level of post-hospitalisation recovery support
Comparison: Old Health Plus Lite vs New Health Plus Private
| Feature | Old Health Plus Lite | New Health Plus Private |
|---|---|---|
| Covers IP deductible | ✅ Yes | ❌ No, pay $3,500 out of pocket |
| Co-payment cap | $3,000 per year | $6,000 per year |
| Cancer Drug List coverage | Standard | $10,000 per month |
| Care Collab Recovery Benefit | ❌ No | ✅ Up to $20,000 |
| Premium cost | Higher | 30-84% cheaper |
Note: If you purchased the old Health Plus rider before 27 November 2025, your existing rider continues under current terms. You are not required to switch to Health Plus Private immediately.
For further information and details, refer to the Singlife website. Alternatively, fill up the form below and let us advise accordingly.
Read About: Do I Need an Integrated Shield Plan in Singapore?
Singlife Health Plus Private May Be Suitable If You Are Looking For
Singlife Health Plus Private may potentially be a good fit if the following matters to you:
- You are covered under Singlife Shield Plan 1 for private hospital coverage and want to reduce your co-insurance share when hospitalised
- A co-payment cap of $6,000 per year for more predictable out-of-pocket costs
- The unique Care Collab Recovery Support Benefit, up to $20,000 for home nursing and rehabilitation, especially if you also hold CareShield or ElderShield
- Enhanced cancer drug coverage of $10,000 per month on the Cancer Drug List
- Significantly lower premiums, 30% to 84% cheaper than old Health Plus Lite riders
- Free or discounted child coverage under Singlife Shield for your family
Singlife Health Plus Private May Not Be Suitable If You Are Looking For
Singlife Health Plus Private may potentially be a bad fit if the following matters to you:
- Near-zero out-of-pocket hospitalisation costs, the minimum IP deductible of $3,500 for private hospital stays must still be paid out of pocket
- You do not hold Singlife Shield Plan 1, this rider is only available for Singlife Shield Plan 1 policyholders
- Coverage for cancer treatments not on the Cancer Drug List without purchasing an additional Singlife Cancer Care Plus II rider
- Paying rider premiums using MediSave, rider premiums are cash outlay only
Further Considerations on Singlife Health Plus Private
- Should I switch from the old Singlife Health Plus Lite to the new Health Plus Private?
- How does the Care Collab Recovery Support Benefit work in practice?
- How much will my out-of-pocket costs be with Singlife Shield Plan 1 and Health Plus Private?
- How does Singlife Health Plus Private compare with riders from other insurers?
The above information may not fully highlight all the product details and features of Singlife Health Plus Private. Talk to us or seek advice from a MAS-licensed financial adviser before making any decision about Singlife Health Plus Private.
Is Singlife Health Plus Private Suitable for Me?
Not sure if Singlife Health Plus Private is the right rider for you? Compare it against other ISP plans and riders in Singapore.
Read our Best Integrated Shield Plans Singapore 2026 guide or WhatsApp us for a free personalised ISP review, no obligation, no cost.
Contact Us!
Or Whatsapp us to let a licensed financial adviser work out a proposal at no cost to you.
All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.
We compare quotations head to head on all leading insurers in Singapore
Our Partners
Our Partners
