Singlife Health Plus Public Review [2026]

Last updated: 19 May 2026

Singlife Health Plus Public is the new ISP rider for Singlife Shield Plan 2 and Plan 3, launched from 1 April 2026 in compliance with MOH’s new rider requirements. It covers co-insurance payable by you when hospitalised in a public hospital, with a co-payment cap of $6,000 per year. Like Health Plus Private, it includes the unique Care Collab Recovery Support Benefit at no extra cost.

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Read About: Singlife Shield Review 2026

Singlife Health Plus Public Product Details

• Supplementary rider for Singlife Shield Plan 2 and Plan 3 (public 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, $1,500 to $2,000 must be paid out of pocket depending on ward class (not covered by this rider)
• Cancer Drug Treatment, covered up to the Cancer Drug List limits
• 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

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Features of Singlife Health Plus Public at a Glance

Based on Singlife Shield Plan 2 and Plan 3 with Singlife Health Plus Public rider.

Co-Insurance and Deductible Coverage

• Minimum IP Deductible, Not covered, you pay $1,500 to $2,000 out of pocket depending on ward class
• Co-insurance, Covered, 5% co-payment
• Annual co-payment cap, $6,000 per year

Cancer Drug Treatment

• Cancer Drug List (CDL) treatments, Covered up to CDL limits
• 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 Public

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 Public immediately.

For further information and details, refer to the Singlife website. Alternatively, fill up the form below and let us advise accordingly.

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Singlife Health Plus Public May Be Suitable If You Are Looking For

Singlife Health Plus Public may potentially be a good fit if the following matters to you:

• You are covered under Singlife Shield Plan 2 or Plan 3 for public 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
• Significantly lower premiums, 30% to 84% cheaper than old Health Plus Lite riders
• Free or discounted child coverage under Singlife Shield for your family
• A more affordable rider option compared to Health Plus Private, since public hospital coverage has lower deductibles

Singlife Health Plus Public May Not Be Suitable If You Are Looking For

Singlife Health Plus Public may potentially be a bad fit if the following matters to you:

• Private hospital coverage, this rider is only for Singlife Shield Plan 2 and Plan 3 policyholders covering public hospitals. Consider Singlife Health Plus Private instead
• Near-zero out-of-pocket hospitalisation costs, the minimum IP deductible of $1,500 to $2,000 for public hospital stays must still be paid out of pocket
• 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 Public

• Should I switch from the old Singlife Health Plus Lite to the new Health Plus Public?
• How does the Care Collab Recovery Support Benefit work in practice?
• Should I upgrade from Health Plus Public to Health Plus Private for better coverage?
• How does Singlife Health Plus Public compare with riders from other insurers?

The above information may not fully highlight all the product details and features of Singlife Health Plus Public. Talk to us or seek advice from a MAS-licensed financial adviser before making any decision about Singlife Health Plus Public.

Is Singlife Health Plus Public Suitable for Me?

Not sure if Singlife Health Plus Public is the right rider for you? You may also want to consider Singlife Health Plus Private if you prefer private hospital coverage.

Read our Best Integrated Shield Plans Singapore 2026 guide or WhatsApp us for a free personalised ISP review, no obligation, no cost.