Singlife

Ward-class scope

Plan 1

Any single-bedded standard ward of a private hospital

Plan 2

Any A1 standard ward of a public hospital

Plan 3

Any B1 standard ward of a public hospital

Claim limits (SGD)

Plan 1 (A&E or preferred medical providers)

S$2,000,000

Plan 2 (A&E or preferred medical providers)

S$1,200,000

Plan 3 (A&E or preferred medical providers)

S$500,000

Plan 1 (Other than preferred medical providers)

S$1,000,000

Co-payment & deductible

Panel hospitals & in/out-of-panel rules

Benefits vary depending on whether treatment is received through A&E or preferred medical providers versus other than preferred medical providers. Pro-ration factors apply when the life assured is admitted to a ward or hospital above entitlement (e.g. private hospital under Plan 2 or Plan 3). Letter of guarantee may be issued to hospitals; if the amount paid under a letter of guarantee is not payable, the policyholder must reimburse Singlife within 30 days. Claims must generally be submitted through the MOH electronic filing system; certain claims (pre-hospital, post-hospital, emergency overseas, planned overseas, free new-born) must be submitted directly to Singlife.

Pre-existing conditions

Any pre-existing condition is excluded unless covered under clause 7.8b. If you do not give us the required information or misrepresent any information, we may declare your policy void from the cover start date or last reinstatement date, or end cover for the life assured. A pre-existing condition which has been permanently excluded under clause 7.8 will remain permanently excluded under any upgrade or downgrade of plan. If the policy is under moratorium underwriting option and reinstated, the moratorium period of 5 years will restart from the reinstatement date. Any claim arising from a pre-existing condition after a plan upgrade will be assessed based on the terms and conditions of the plan before the upgrade.

Cancer treatment

Outpatient cancer drug treatment on the Cancer Drug List (CDL) is covered up to 5 times the MediShield Life claim limit for one primary cancer per month (all plans). Outpatient cancer drug services are covered up to 5 times the MediShield Life claim limit per policy year (all plans). For multiple primary cancers, the limit is the sum of the highest cancer drug treatment limit among claimable treatments for each primary cancer per month; for cancer drug services, up to a maximum of twice the claim limit per policy year even if more than 2 primary cancers are treated concurrently. CDL treatments are only claimable if used according to clinical indications specified on the CDL at the date of treatment. Drug omission or replacement is permitted only due to intolerance or contraindications, in which case the original CDL treatment limit applies. Applications for higher limits for multiple primary cancers must be submitted to MOH and Singlife by the life assured's doctor(s). Outpatient radiotherapy for cancer (hemi-body radiotherapy, external or superficial radiotherapy, brachytherapy, stereotactic radiotherapy) is covered as charged. Proton Beam Therapy is covered up to S$70,000 per policy year (inpatient and outpatient). Cell, Tissue and Gene Therapy (Kymriah, Yescarta) is covered up to S$150,000 per treatment per indication per lifetime, only for treatments listed on the MOH CTGTP list and used in accordance with specified clinical indications. Preventive treatment for cancer (surgery to prevent further cancer where cancer has already been diagnosed and treated and we have paid for the treatment) is covered as charged. Extra inpatient benefit for major cancer (one of 5 critical illnesses): S$150,000 per policy year (Plan 1), S$100,000 per policy year (Plan 2), S$50,000 per policy year (Plan 3).

MediShield Life integration

Singlife Shield is a medical insurance plan that, if integrated with MediShield Life, adds to the MediShield Life tier operated by CPF Board and gives extra benefits. If the life assured's policy is integrated with MediShield Life, claims are paid according to the policy or MediShield Life, whichever is higher. If the life assured is a foreigner who is not a Singapore permanent resident, he is not covered under MediShield Life and claims are paid according to the policy benefits only. Premiums may be deducted from the designated Medisave account subject to the Additional Withdrawal Limit (for Singapore citizens or permanent residents) or Medisave Withdrawal Limit (for foreigners) set by CPF Board; any premium exceeding these limits or not deductible from Medisave must be paid in cash. Claims must be submitted through the MOH electronic filing system where applicable. Ending the Singlife Shield policy does not affect MediShield Life cover.

Mental health cover

Inpatient psychiatric treatment is covered as a special benefit. After 10 months of continuous cover: as charged up to 60 days per policy year (Plan 1); as charged up to 45 days per policy year (Plan 2); S$500 per day up to 35 days per policy year (Plan 3). Within 10 months of continuous cover: S$500 per day up to 35 days per policy year (all plans). All treatment must be provided by a doctor qualified to provide psychiatric treatment. Treatments resulting from drug addiction or being under the influence of any controlled drugs listed under the First Schedule to the Misuse of Drugs Act 1973 are not covered. Pre-hospital treatment received before and post-hospital treatment received after inpatient psychiatric treatment are not covered.

Maternity

Inpatient pregnancy complications are covered as charged after a waiting period of 10 months, and must be first diagnosed by a registered obstetrician after this waiting period. Delivery charges are not covered except in the event of caesarean section with hysterectomy. Pregnancy, childbirth, miscarriage, abortion or termination of pregnancy, or any form of related hospitalisation or treatment is otherwise excluded. Inpatient congenital anomalies (birth defects including hereditary conditions) are covered as charged if first diagnosed after a waiting period of 12 months. Free new-born benefit: if both biological parents are covered under Plan 1 or Plan 2 continuously for 10 months from their respective cover start dates on the new-born's date of birth, the new-born is covered for free under the mother's policy up to S$50,000 per policy year (Plans 1 and 2; not available for Plan 3), starting from the 15th day after birth or date of discharge from hospital after birth, whichever is later, until the new-born is 6 months old or takes up a Medisave-approved integrated shield plan, whichever is earlier.

Exclusions

• All expenses for treatment as an inpatient, if the life assured was admitted to the hospital before the cover start date
• Any pre-existing condition (unless covered under clause 7.8b)
• Overseas medical treatment (unless covered under emergency overseas treatment or planned overseas treatment)
• Transport for trips made to obtain medical treatment such as ambulance fees, emergency evacuation, or send home a body or ashes (unless covered as part of Mobile Inpatient Care @ Home (MIC@Home))
• Private nursing charges and nursing home services (unless covered under inpatient palliative care service, as part of Mobile Inpatient Care @ Home (MIC@Home) or under Recovery Support Benefit)
• Inpatient room and board charges for surgery which can be done as day surgery, unless inpatient admission is medically indicated
• Admission as an inpatient for medical services, examination or treatment which can be done on an outpatient basis including but not limited to X-ray, CT scan or MRI scan (unless covered under pre-hospital treatment, inpatient hospital treatment, surgery (including day surgery), post-hospital treatment or major outpatient treatment)
• Health screenings (including endoscopy for health screening purposes) and primary prevention (refers to medical services for generally healthy individuals to prevent a disease from ever occurring, in the absence of medical indications, e.g. general medical / health screening packages, general physical checkups, vaccinations, etc.)
• Medical certificates, examinations for employment or travel, routine eye or ear examinations, hearing aids, spectacles, contact lenses and correction for refractive errors of the eye
• Elective cosmetic treatments and plastic surgery unless the surgery is necessary for repair of damage caused by an accident (within 365 days from the date of accident) or breast reconstruction after mastectomy due to breast cancer (within 365 days from the date of mastectomy; reconstruction of the other breast for symmetrical appearance not covered)
• Any treatment claimed to prevent illness (unless covered under preventive treatment for cancer), promote health or improve bodily function or appearance including but not limited to vitamins, supplements, scar creams, soaps and moisturisers
• Dental treatment or oral surgery related to teeth (unless covered under accident inpatient dental treatment)
• Palliative care, rest cures and services or treatment at any home, spa, hydrotherapy or aquatherapy facility or clinic, sanatorium or hospice, or long-term care facility (unless covered under inpatient palliative care service)
• Infertility, contraception, sterilisation, impotence, sexual dysfunction or assisted conception tests or treatments or sex change operations
• Treatment or surgical procedures done at fertility clinics or centres and reproductive medicine clinics or centres
• Pregnancy, childbirth, miscarriage, abortion or termination of pregnancy, or any form of related hospitalisation or treatment (unless covered under inpatient pregnancy complications)
• Treatment for obesity, weight reduction, weight improvement or procedure for weight management
• Treatment for birth defects, including hereditary conditions and disorders and congenital anomalies (unless covered under inpatient congenital anomalies)
• Prosthesis, corrective devices and medical equipment and appliances including the buying or renting of braces, special/medical appliances not necessary for completion of a surgical operation, corrective devices, wheelchairs, walking aids, home aids, kidney dialysis machines, iron lungs, oxygen machines, hospital beds, any other hospital type equipment, replacement organs (unless covered as part of Mobile Inpatient Care @ Home (MIC@Home))
• Alternative or complementary treatments including traditional Chinese medicine (TCM), naturopathic, homeopathic, podiatric, chiropractic or osteopathic treatment
• Stay in any health-care establishment for social or non-medical reasons
• Costs relating to cornea, muscular, skeletal or human organ or tissue transplant (unless covered under living donor organ transplant, major organ transplant, major organ transplant – approved immunosuppressant drugs or stem cell transplant)
• Treatments resulting from drug addiction, or being under the influence of any controlled drugs listed under the First Schedule to the Misuse of Drugs Act 1973 (for inpatient psychiatric treatment)
• Organ transplant that is illegal or arises from any illegal transaction or practice
• All post-surgery complications from living donor organ transplants and transplants that are illegal or arise from any illegal transaction or practice
• Proton Beam Therapy and Cell, Tissue and Gene Therapy (excluded from radiosurgery, stem cell transplant, major cancer critical illness benefit)
• Cell, Tissue and Gene Therapy treatments not listed in the benefit schedule or not used in accordance with specified clinical indications on the MOH CTGTP List
• Outpatient cancer drug treatment not listed on the Cancer Drug List (CDL) or not used according to clinical indications specified on the CDL
• Follow-up consultation fees, examinations, laboratory tests and other medical attention after each session of outpatient kidney dialysis
• Follow-up consultation fees, examinations, laboratory tests and other medical attention after each session of erythropoietin treatment

Available riders