Singlife Shield Review

The complete Pros and Cons on Singlife Shield

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 AboutIntegrated Shield Plan: How does it work?

Read AboutIntegrated Shield Plan: 4 things you should be aware of

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

Unique Benefits

  • 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 AboutNo 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.

AgeSinglife 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)
1S$86.8 (You pay S$0)S$39.46
6S$86.8 (You pay S$0)S$39.46
11S$86.8 (You pay S$0)S$39.46
16S$86.8 (You pay S$0)S$39.46
21S$99.92 (You pay S$0)S$41.18
26S$99.92 (You pay S$0)S$41.18
31S$169.57 (You pay S$0)S$52.34
36S$169.57 (You pay S$0)S$52.34
41S$314.92 (You pay S$0)S$92.65
46S$343.18 (You pay S$0)S$105.53
51S$472.37 (You pay S$0)S$141.57
56S$498.61 (You pay S$0)S$235.94
61S$780.22 (You pay S$180.22)S$421.25
66S$1,230.39 (You pay S$630.39)S$574.82
71S$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.
76S$2,761.57 (You pay S$1,861.57)S$660.63
81S$3,758.80 (You pay S$2,858.80)S$688.07
86S$4,547.10 (You pay S$3,647.10)S$707.81
91S$4,700.53 (You pay S$3,800.53)S$822.77
96S$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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Get exactly what you need for your MediShield LIFE upgrade by using our Integrated Shield Plans and rider comparison platform. Go on, it’s 100% free!

Is Singlife Shield suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

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.

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    Integrated Shield Plan/ Rider selector

    Just 5 simple questions to get you the most suitable Integrated Shield Plan/ Rider, based on your required medical and hospitalisation requirements.

    In the event of hospitalistion/ illness, where would you like to seek treatment?

    Would you prefer your hospitalisation and medical bills fully covered?

    (Additional premium via cash will be required.)

    Do you need a daily income during the period of hospitalisation?

    (Additional premium via cash will be required.)

    Would you wish to look into additional features and benefits?

    (Additional premium via cash will be required.)

    My current Integrated Shield Plan and rider (if any) is with:

    (This allows us to know if there are potential benefits from making any changes.)

    Your basic details for us to get quotes based on your profile.

    How do we address you?


    Your Date of Birth in Day/Month/Year format:


    We can reach you at:


    Your email address:


    Anything else you like us to know? (Optional)


    Before you go...
    Singlife Shield may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
    Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
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