Singlife Shield covers pre and post hospitalisation bills as charged be it in Singapore or overseas. Add-on Health Plus for more coverage on coinsurance and deductible.
Singlife Shield product details
We rated Singlife Shield and Singlife Health Plus as best for the entire family, refer to our 3 Best Integrated Shield Plans And Riders In Singapore (2023 Edition) for a detailed write-up as to why.
- Non-participating policy – Integrated Shield Plan
- High Annual Policy Claim Limit
- Be covered for hospitalisation fees up to S$2 million per year
- As-charged Coverage
- Be covered for inpatient and pre-hospital treatments up to 180 days
- Be covered post hospitalisation medical fees up to 365 days
- Co-insurance without Rider
- Enjoy exclusive 10% co-insurance capped at S$25,000 per policy year without a rider
- Additional Cancer Drug Treatment Limits and Coverage
- Be covered up to 5X the MediShield Life claim limit for outpatient cancer drug treatments on the Cancer Drug List and services
- Be covered for Proton Beam Therapy, Cell Tissue, and Gene Therapy, and preventive treatments
- Pregnancy Complication Coverage
- Be covered against 24 inpatient pregnancy complications
- Long-term Parenteral Nutrition & Inpatient Palliative Care
- Be covered for Long-term Parenteral Nutrition & Inpatient Palliative Care
- Free or Discounted Coverage
- Enjoy free or discounted Singlife Shield coverage for your children
- Overseas Treatment Coverage
- Be covered as charged for planned and overseas treatment
Read About: Integrated Shield Plan: How does it work?
Features of Singlife Shield at a glance
Based on the option with the highest coverage, Singlife Shield Plan 1
Inpatient hospital treatment
- Emergency overseas treatment: As charged, limited to costs of Singapore private hospitals
- Planned overseas treatment: As charged, limited to costs of Singapore private hospitals
- Pre-hospitalisation treatment: Up to 180 days before admission
- Post-hospitalisation treatment: Up to 365 days for Public hospital/Panel specialist and Private hospital
Outpatient hospital treatment
- Chemotherapy for cancer: As charged
- Immunotherapy for cancer: As charged
- Renal/Kidney dialysis: As charged
- Post-hospitalisation follow-up TCM treatment: Nil
- Free or discounted Integrated Shield Plan coverage for up to 4 children when both parents are under Singlife.
- Planned Overseas treatment covered (Also available with Prudential PRUShield).
- Exclusive coinsurance of 10% without adding a rider
Note: Singlife Shield Plan 1 does not cover Deductibles.
*IMPORTANT* An additional Singlife Health Plus (Integrated Shield Plan rider) has to be purchased for further coverage on Co-insurance and Deductible.
For further information and details, refer to Singlife website. Alternatively, fill up the form below and let us advise accordingly.
Read About: No budget for financial planning?
Read About: 3 Best Integrated Shield Plans and riders (2023 Edition) *Updated*
Singlife Shield may be suitable if you are looking for
Singlife Shield may potentially be a good fit if the following matters to you:
- Hospitalisation and medical insurance coverage
- Integrated Shield Plan or Integrated Shield Plan riders
- Reducing hospitalisation and medical expenses
- Paying premium using MediSave Funds
Singlife Shield may not be suitable if you are looking for
Singlife Shield may potentially be a bad fit if the following matters to you:
- Surrender value, Integrated Shield Plan and/or Integrated Shield Plan riders have no cash value
What is the annual premium for Singlife Integrated Shield Plan and rider based on my age?
Refer to the table below for the premium table for Singlife Shield Plan 2 and Singlife Health Plus Public Lite.
|Age||Singlife Shield Plan 2|
Actual Premium (Net premium payable after using MediSAVE)
|Singlife Health Plus Public Lite with NCD|
(Premium for rider must be fully paid by cash)
|1||S$86.8 (You pay S$0)||S$39.46|
|6||S$86.8 (You pay S$0)||S$39.46|
|11||S$86.8 (You pay S$0)||S$39.46|
|16||S$86.8 (You pay S$0)||S$39.46|
|21||S$99.92 (You pay S$0)||S$41.18|
|26||S$99.92 (You pay S$0)||S$41.18|
|31||S$169.57 (You pay S$0)||S$52.34|
|36||S$169.57 (You pay S$0)||S$52.34|
|41||S$314.92 (You pay S$0)||S$92.65|
|46||S$343.18 (You pay S$0)||S$105.53|
|51||S$472.37 (You pay S$0)||S$141.57|
|56||S$498.61 (You pay S$0)||S$235.94|
|61||S$780.22 (You pay S$180.22)||S$421.25|
|66||S$1,230.39 (You pay S$630.39)||S$574.82|
|71||S$1,822.88 (You pay S$922.88)||S$634.01|
|New application or switching of Integrated Shield Plan/ rider is not allowed after age 75.|
|76||S$2,761.57 (You pay S$1,861.57)||S$660.63|
|81||S$3,758.80 (You pay S$2,858.80)||S$688.07|
|86||S$4,547.10 (You pay S$3,647.10)||S$707.81|
|91||S$4,700.53 (You pay S$3,800.53)||S$822.77|
|96||S$4,939.74 (You pay S$4,039.74)||S$1,140.21|
Refer to our FAQs On Integrated Shield Plan And Riders for everything you need to know about upgrading your MediShield hospitalisation and medical treatment coverages.
Further considerations on Singlife Shield
- How much will Singlife or Singlife Shield premium increase as I age?
- How does Singlife Shield compare with Integrated Shield Plan and/ or Integrated Shield Plan riders from other insurance companies?
- Can Singlife Shield fulfill my financial insurance, health and protection needs?
The above information may not fully highlight all the product details and features on Singlife Shield. Talk to us or seek advice from a financial adviser before making any decision about Singlife Shield.
Compare across all Integrated Shield Plans and riders!
Compare before you commit so you don’t have to regret it later on. Depending on your medical and hospitalisation needs, the premium payable differs across insurers. Why pay more for what you do not need or short-change on features and benefits by paying a little more?
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Is Singlife Shield suitable for me?
Contact InterestGuru using the form below. Our panel of Independent Financial Advisers will advise accordingly, based on your financial profile and protection needs.
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