Singlife Shield: Comprehensive Health Coverage for Your Peace of Mind

Are you worried about unexpected medical expenses? You're not alone. In Singapore, large hospital bills are a top cause of debt , affecting both individuals and families. While the government's MediShield Life scheme provides basic health insurance, it may not be enough to cover all your medical needs. That's where Singlife Shield comes in, offering you and your loved ones greater financial assurance from diagnosis to post-treatment .

Singlife Shield is a comprehensive health insurance plan designed to complement your MediShield Life coverage . It provides higher coverage limits and additional benefits to help minimize your out-of-pocket expenses for hospitalization and medical treatments. Let's break down what Singlife Shield offers and how it can benefit you.

Singlife Shield offers three plan options to suit different needs and budgets:

1. Plan 1 : Coverage for any standard ward of a private hospital (From S$1.13/day*)

2. Plan 2 : Coverage for any standard ward (A) of a public hospital (From S$0.46/day*)

3. Plan 3 : Coverage for any 4-bed (B1) standard ward of a public hospital (From S$0.28/day*)

*Based on age 31, excluding MediShield Life premium.

To further reduce your out-of-pocket expenses, you can add Singlife Health Plus as a rider to your Singlife Shield plan. Here are some key benefits of Singlife Health Plus:

Let's look at an example to understand how Singlife Shield and Singlife Health Plus can benefit you:

Joyce, a 30-year-old working mom, has Singlife Shield Plan 1 with Singlife Health Plus Private Prime. She's diagnosed with Atherosclerotic heart disease and requires surgery. Her medical bill in a private hospital totals S$220,000 .

With pre-authorisation:

• Joyce pays only S$3,000 out-of-pocket (co-insurance)

• Singlife covers the remaining S$217,000

Without pre-authorisation:

• Joyce pays S$11,950 out-of-pocket (S$1,000 deductible + S$10,950 co-insurance)

• Singlife covers the remaining S$208,050

Additionally, Joyce receives:

• S$150,000 under the Extra Inpatient Benefit for critical illnesses

• S$10,000 lump-sum payout under Singlife Health Plus critical illness benefit

This example shows how Singlife Shield and Singlife Health Plus can significantly reduce your financial burden during a medical emergency .

Pre-authorisation is an important feature of Singlife Shield that can help you minimize your out-of-pocket expenses. Here's what you need to know:

1. What is pre-authorisation? It's Singlife's confirmation that your medical treatment is claimable before you proceed with it.

2. Benefits of pre-authorisation:

• Assurance that your treatment is covered

• Extended pre- and post-hospitalization coverage (up to 180 days before and 365 days after)

• Cashless admission and paperless claims at participating hospitals

3. How to get pre-authorisation:

• Ask your private panel specialist to submit a Pre-authorisation Request Form

• Call Singlife at 1800 8800 880 with the necessary information

Choosing the right health insurance plan is crucial for your financial well-being. Singlife Shield offers comprehensive coverage that goes beyond basic MediShield Life , providing you with greater financial assurance and access to quality healthcare.

When considering Singlife Shield, think about:

1. Your healthcare needs and preferences (public vs. private hospitals)

2. Your budget for premiums

3. The level of coverage you desire (basic plan vs. adding Singlife Health Plus)

4. The importance of features like pre-authorisation and access to specialist networks

Remember, the best insurance plan is one that fits your specific needs and gives you peace of mind.

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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your health and financial needs. Take control of your healthcare journey today!