Singlife Shield

Singlife Health Plus

A comprehensive solution for all your hospitalisation needs so you can focus on recovery
The real reason you need additional health coverage
The government’s MediShield Life scheme gives you basic health insurance, protecting you against large hospital bills.

Upsizing your coverage helps to further minimise the financial and emotional strain from unexpected medical expenses
– which is a top cause of debt^ that can affect both you and your family.

Our promise to you and your loved ones

We’re here to help keep healthcare affordable amid rising costs.

For you and your loved ones, that means having access to the quality of healthcare and service you want, without
surprise hospital bills.

Meet the better way to manage your health needs

Singlife Shield and Singlife Health Plus give you greater financial assurance, from diagnosis to post-treatment.

Early appointments to see medical specialists from Singlife’s panel

Premium discounts1 for keeping healthy and family perks for Singlife Health Plus

Free newborn coverage benefit up till 6 months old8

Family discount for child(ren) up to 20 years old14

^ Source: The Straits Times© Singapore Press Holdings Limited. Extracted with permission. “5 reasons that people in Singapore get into debt”.
 Singlife Shield & Singlife Health Plus
MediShield Life doesn’t pay your full medical bill. Here’s how to get greater coverage and reduce your out-of-pocket expenses*

+ +
MediShield Life Singlife Shield Singlife Health Plus
(Government scheme) (Integrated Shield Plan) (Singlife Shield add-on)

Your out-of-pocket
expenses*

Your out-of-pocket
expenses*
Total medical bill

Singlife Health Plus payout

Your out-of-pocket
expenses*

Singlife Shield payout Singlife Shield payout

MediShield Life payout MediShield Life payout MediShield Life payout

* Comprises of annual deductible and co-insurance

+ Lump-sum payout
for certain conditions
+ No claims discount
Annual Deductible: for Singlife Health Plus1
The amount you have to pay before Singlife Shield and/or Singlife Health Plus begin to pay

Co-insurance:
The amount you have to pay after you’ve paid the annual deductible
Singlife Shield
The Shield plan that gives you more than basic MediShield Life

Coverage for you

Choose your
High annual coverage limit of S$2,000,0002 preferred healthcare plan
As-charged coverage for inpatient hospital treatments - including pre- and post- hospitalisation
coverage of up to 180 days and 365 days3 respectively.
Plan 1
10% co-insurance capped at S$25,500 per policy year
16 EXCLUSIVE Any standard ward of
a private hospital
Get up to 5 times the MediShield Life claim limit for outpatient cancer drug treatments4
From S$0.98/day†
on the Cancer Drug List (CDL)5 and services

Additional cancer coverage including proton beam therapy treatment as well as cell, tissue
and gene therapy, and preventive treatment6
Plan 2
Covers up to 24 inpatient pregnancy complications7 Any A1 standard ward
of a public hospital
Coverage for Long-term Parenteral Nutrition (vein feeding) and Inpatient Palliative Care
From S$0.47/day†

Coverage for your family

Plan 3
Free newborn coverage benefit up till 6 months old8
EXCLUSIVE Any B1 standard ward
of a public hospital
Discounted Singlife Shield coverage for your child(ren) up till 20 years old14
From S$0.28/day†

As-charged:
This refers to expenses incurred that are eligible for claim, subject to policy terms † Based on an age 31 profile, excluding MediShield Life
Co-insurance: premium.
The amount you need to pay after you have paid the annual deductible
 Enjoy

20%
Singlife Health Plus For new customers, this No Claims Discount1
will apply immediately on your first premium
1 and subsequent renewals. Terms apply.
Enhance your Singlife Shield by adding on a rider
unt
discomium!
on pre

Coverage for you Get better coverage with

Co-insurance cap of S$3,000 per policy year for treatments made through A&E or our our comprehensive rider
preferred medical providers9

Lump-sum payout of S$10,000 for critical illnesses per lifetime – additional lump-sum
payout of up to S$3,000 per lifetime for kidney dialysis as a result of kidney failure10 Private Prime
(paired with Shield Plan 1)
Additional coverage of 15 times per month for cancer drug treatments4 listed on Any standard ward
the Cancer Drug List (CDL)5, supplementing the existing 5 times MediShield Life (MSHL) of a private hospital
limit available under Singlife Shield plans. From S$2.55/day#

Covers up to S$15,000 per month for outpatient cancer drug treatments not on
the Cancer Drug List (non-CDL)11
Public Prime
Mental wellness benefit covers expenses associated with outpatient psychiatric consultation12 (paired with Shield Plan 2)
(after 10 months of continuous cover)
Any A1 standard ward
of a public hospital
Covers 50% of Singlife Shield annual deductible when you stay in a lower ward class than
your plan entitlement13 (for Singlife Health Plus Private and Public Lite plans) From S$0.74/day#

Coverage for your family

Accidental Cover15 of S$1,000 per lifetime for your child
Public Prime
(paired with Shield Plan 3)
Any B1 standard ward
Free or discounted Singlife Health Plus coverage for child(ren) of a public hospital
EXCLUSIVE
up till 20 years old14 From S$0.59/day#

#
Based on an age 31 profile, after No Claims Discount.
 Singlife Health Plus
Enhance your Singlife Shield plan for a more comprehensive coverage

Singlife Health Plus offers various options to reduce your out-of-pocket expenses. Choose the coverage you want.

Main Plan: Rider: With a rider,

Singlife Shield Singlife Health Plus you PAY LESS for:

Private Prime • Co-insurance

Treatment in private hospital with
• Annual Deductible
maximum coverage for out-of-pocket expenses (you don't need to pay the deductible if you
see our preferred medical provider)
Private Hospital
Plan 1
Private Lite
Treatment in private hospital with • Co-insurance
enhanced coverage for out-of-pocket expenses

Public Prime • Co-insurance

Treatment in public hospital with
maximum coverage for out-of-pocket expenses
• Annual Deductible
Public Hospital
Plan 2 and Plan 3
Public Lite
Treatment in public hospital with • Co-insurance
enhanced coverage for out-of-pocket expenses

Annual Deductible:
The amount you have to pay before Singlife Shield and/or Singlife Health Plus begin to pay

Co-insurance:
The amount you have to pay after you've paid the annual deductible. Co-insurance is capped when you visit our preferred medical provider.
 Here’s how adding a rider can help minimise your financial stress
Sam, a 47 year old investment banker, is diagnosed with Atherosclerotic heart disease of native coronary artery
and undergoes a heart surgery. He visits a private hospital under our list of preferred medical providers.

Here is a comparison of his payouts with and without a rider.

Scenario #1

Singlife Shield Plan 1 provides coverage on top of Sam’s MediShield Life and reduces Sam’s out-of-pocket expenses. Here’s how much he has to pay
with and without Singlife Health Plus.

WITH WITHOUT
Singlife Health Plus (Private Prime) Singlife Health Plus

Hospital bill S$220,000 Hospital bill S$220,000

Out-of-pocket expenses: Out-of-pocket expenses:

• Annual Deductible for stay in private hospital S$0 • Annual Deductible for stay in private hospital S$3,500

• Co-insurance • Co-insurance
(Co-insurance = 5% or maximum of S$3,000 (Co-insurance = 10% or maximum of S$25,500
S$3,000 S$21,650
per policy year; whichever is lower) per policy year; whichever is lower)

Total amount paid by Sam S$3,000 Total amount paid by Sam S$25,150

Remaining bill amount covered by MediShield Remaining bill amount covered by

Life, Singlife Shield and Singlife Health Plus S$217,000 MediShield Life and Singlife Shield S$194,850
 Here's how visiting a preferred provider can minimise your
out-of-pocket expenses
Joyce, a 30 year old working mum, has a Singlife Shield Plan 1, with Singlife Health Plus Private Prime.

She chooses a doctor from Singlife's panel of specialists for her routine check-up and is diagnosed with
breast cancer. Her medical bill in a private hospital totals to S$300,000.

Scenario #2

Singlife Shield Plan 1 with Singlife Health Plus Private Prime covers most of Joyce’s medical bill, leaving her with little out-of-pocket expenses.
Here’s how much she has to pay if she visits a preferred or non-preferred provider.

Preferred Non - Preferred

• Up to S$2M policy year limit • Up to S$1M policy year limit
• The pre- and post- hospitalisation coverage for up to 180 days3 • The pre- and post- hospitalisation coverage for up to 90 days3
and 365 days3 respectively and 180 days3 respectively

Hospital bill S$300,000 Hospital bill S$300,000

Out-of-pocket expenses: Out-of-pocket expenses:

• Annual Deductible for stay in private hospital S$0 • Annual Deductible for stay in private hospital S$1,000

• Co-insurance • Co-insurance
(Co-insurance = 5% or maximum of S$3,000 (Co-insurance = 5%)
S$14,950
S$3,000
per policy year; whichever is lower)

Total amount paid by Joyce S$3,000 Total amount paid by Joyce S$15,950

Remaining bill amount covered by MediShield S$297,000 Remaining bill amount covered by MediShield S$284,050
Life, Singlife Shield and Singlife Health Plus Life, Singlife Shield and Singlife Health Plus

She gets S$150,000 per policy year under the Extra Inpatient Benefit for 5 critical illnesses – heart attack of specified severity,
major cancer, stroke, end stage lung disease and end stage liver disease.

She also receives a S$10,000 lump-sum payout under Singlife Health Plus critical illness benefit.
Singlife Preferred Medical Providers
Policyholders of Singlife Shield and Singlife Health Plus will get priority access to our panel of private medical specialists, hassle-free appointment booking
plus enjoy a myriad of other benefits when you consult a medical specialist from our panel.

Wide network of medical specialists across various disciplines

Priority access to our panel specialists

– make an appointment with a private panel specialist within 3 working days

Cashless admission and paperless claims so you can focus on your recovery

Simply follow this easy 3-step process

1 Select a medical specialist
Find a suitable medical specialist from Singlife’s panel. Enjoy hassle-free appointment booking and
preferred consultation rates.
How to make an appointment: Online via: singlife.ixchange.com.sg Call: 1800 600 0066

2 Identify yourself as a Singlife Shield policyholder

Simply identify yourself as a Singlife Shield policyholder when seeking treatment from Singlife’s preferred medical
providers

3 Cashless and hassle-free treatment

Focus on your recovery with cashless admission and paperless claims at any of our participating private hospitals
and clinics. The hospital/clinic will submit your claim directly to us.
For admission at public hospitals, you may request for a Letter of Guarantee (LoG) to waive up to S$80,000 on
your admission deposit.
To sign up or find out more about
Singlife Shield and Singlife Health Plus,
speak to your trusted
Financial Adviser Representative today!

Visit singlife.com/shield for details.

Important Notes
All ages mentioned refer to age next birthday.

1. No claims discount entitles you to a 20% discount on Singlife Health Plus premiums if:
• the cover start date or renewal date of your policy is on or after 1 April 2025, and
• the total claim amount that we have paid during the assessment period under your Singlife Shield and Singlife Health Plus policies (excluding the claim amount paid by MediShield Life)
is equal to S$0.

Any refunds (e.g. refunds from other insurance policies that cover the same Life Assured), excluding the refund amount for MediShield Life, which we receive during an assessment period
will reduce the total claim amount paid in that assessment period.
Assessment period means the following periods starting two months before your next policy renewal date:
• For the first policy year, the past 10 months
• For the second policy year, the past 22 months
• For the third policy year onwards, the past 24 months
Any refunds (e.g. refunds from other insurance policies that covers the same Life Assured), excluding the refund amount for MediShield Life, which we receive during an assessment period
will reduce the total claim amount paid in that assessment period.

2. The policy year limit of S$2,000,000 assumes that all treatments in the policy year are made through A&E or preferred medical provider(s).
Preferred medical provider(s) refers to the list of approved medical providers (e.g., panel specialist in a private hospital for inpatient hospital treatment, doctors in a public hospital, etc.),
which may be found at https://singlife.com/medicalspecialists, as updated by us from time to time.

3. Pre-hospital treatment benefit refers to the eligible expenses incurred up to 180 days before admission for Plan 1, Plan 2 and Plan 3 at A&E or preferred medical provider(s).
Post-hospital treatment benefit refers to the eligible expenses incurred up to 365 days after discharge for Plan 1, Plan 2 and Plan 3 at A&E or preferred medical provider(s).

4. Only cancer drug treatments on the Cancer Drug List (CDL) are claimable under Outpatient Cancer Drug Treatment benefit. Outpatient Cancer Drug Services that are part of a cancer drug
treatment (including treatments not on the CDL), are claimable under the Outpatient Cancer Drug Services benefit.

5. Visit https://go.gov.sg/moh-cancerdruglist to view the latest version of the CDL. This list currently covers most cancer drug treatments approved by the Health Sciences Authority (HSA)
and will be updated every few months by MOH.

6. Inpatient and outpatient Proton Beam Therapy treatment

Pays for Proton Beam Therapy treatment as an inpatient (including day surgery) or outpatient by a surgeon in a hospital or legally registered cancer treatment centre. Associated consultation
fees, examinations and laboratory tests are covered if they are ordered by the attending doctor before the treatment and take place not more than 30 days before the treatment.
Follow-up consultation fees, examinations, laboratory tests and other medical attention after each session of outpatient Proton Beam Therapy treatment are not covered.
Inpatient and Outpatient Cell, Tissue and Gene Therapy
Charges the life assured has to pay for Cell, Tissue and Gene Therapy as an inpatient (including day surgery) or outpatient by the attending doctor in a hospital or legally registered cancer treatment
centre with MOH. Cell, Tissue and Gene Therapy is only claimable under your policy if used according to the clinical indications specified in the MOH’s Cell, Tissue and Gene Therapy Products (CTGTPs)
list on MOH’s website (http://go.gov.sg/ctgtp-list ), unless otherwise stated in your policy. MOH may update the CTGTP list from time to time. Each CTGTP treatment is only claimable once under
your policy. Associated consultation fees, examinations and laboratory tests are covered if they are ordered by the attending doctor before the treatment and take place not more than 30 days
before the treatment. Associated consultation fees, examinations, laboratory tests and other medical attention after each session of outpatient Cell, Tissue and Gene Therapy are not covered.
Preventive treatment for cancer
Preventive treatment for cancer covers surgery to prevent further cancer if the Life Assured already had treatment for cancer and we have paid for the treatment.

7. Pregnancy complications must be first diagnosed by a registered obstetrician after a waiting period of 10 months. Please note that delivery charges are also not covered, except in the event
of caesarean section with hysterectomy.

8. Free newborn benefit starts from the date a newborn child(ren) is 15 days old or the date of discharge from hospital after birth, whichever is later. The free coverage ends on the date the
newborn is 6 months old or takes up a MediSave-approved Integrated Shield Plan, whichever is earlier. Both parents must be covered under Singlife Shield Plan 1 or Plan 2 continuously for at
least 10 months from the cover start date of their respective policies on the newborn’s date of birth. Pre-hospital treatment received before and post-hospital treatment received after the
free coverage period are excluded.
Important Notes (continued)
9. Preferred medical provider(s) refers to the list of approved medical providers (e.g., panel specialist in a private hospital for inpatient hospital treatment, doctors in a public hospital, etc.), which
may be found at https://singlife.com/medicalspecialists, as updated by us from time to time.

10. Additional critical illness benefit for kidney failure will be covered based on the type of centre or hospital at which the Life Assured receives the dialysis.

11. We will pay for outpatient cancer drug treatment set out in under Classes A to E of the Non-CDL Classification Framework developed by the Life Insurance Association, Singapore, as set out in
https://www.lia.org.sg/media/3553/non-cdl-classification-framework.pdf, up to the limits stated in the benefits schedule and subject to co-insurance. Class F treatments are not covered.

12. We will pay for expenses associated with outpatient psychiatric consultation (including medication prescribed and standard diagnostic tests on the same visit), subject to co-insurance and up to
the limits specified in the Benefits Schedule.

Your policy must be in force for at least 10 continuous months starting from the cover start date of this policy.

13. Ward Downgrade Benefit:

If the Life Assured is an inpatient at a Singapore restructured hospital, we pay this benefit as shown in the benefit schedule as long as:
• the admission as an inpatient is recommended by a doctor as necessary medical treatment; and
• the Life Assured stays in the following wards lower than his/her chosen plan:
- For Plan 1, any standard ward of a public hospital;
- For Plan 2, a B1 standard ward or below of a public hospital; or
- For Plan 3, a B2 standard ward or below of a public hospital.

14. Discounted premium rates for child(ren) refers to the Family Discount for Child(ren) under Plan 2 coverage for up to 4 children, applicable till the child is 20 Age Next Birthday (ANB), if both
parents are covered under Singlife Shield Plan 1 or Plan 2.

Your dependant child who is covered under Singlife Shield's family discount for child(ren) is also eligible for free cover under Singlife Health Plus Public Lite or the Preferred Rate for Children under
Singlife Health Plus Public Prime, both attached to Singlife Shield Plan 2, up to 20 years old (age next birthday). These are provided that both parents are covered under Singlife Shield Plan 1 or 2,
together with either of these Singlife Health Plus options - Private/Public Lite, Private Cover or Private/Public Prime. Please refer to the Product Summary for more details.

15. We will only pay this benefit once during the lifetime of the Life Assured.

16. Co-insurance is capped at S$25,500 per policy year and applies only to treatments received through A&E or preferred medical provider(s).

This policy is underwritten by Singapore Life Ltd.

This is for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. A copy of the Product Summary
may be obtained from Singapore Life Ltd. and the participating distributors’ offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek a
dvice from a financial adviser representative before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser representative,
you should consider whether the product in question is suitable for you.

As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying health insurance products that are not suitable for
you may impact your ability to finance your future healthcare needs. This information is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in
the relevant policy contract. Information accurate as at 1 April 2025.

This advertisement has not been reviewed by the Monetary Authority of Singapore. This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore
Deposit Insurance Corporation (SDIC). 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 coverage, where applicable, please contact Singapore Life Ltd. or visit the Life Insurance Association Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

COMP/2025/03/MKT/112
 Singapore Life Ltd.
4 Shenton Way, #01-01, SGX Centre 2 Singapore 068807
Tel: (65) 6827 9933 singlife.com
Company Reg. No. 196900499K
GST Reg. No. MR-8500166-8