In today's uncertain world, having comprehensive hospital insurance is crucial for protecting your health and finances. While MediShield Life provides basic coverage, it may not be sufficient for all your medical needs. This is where Singlife Shield comes in - a comprehensive integrated shield plan designed to complement MediShield Life and provide enhanced protection. With its wide range of benefits and flexible options, Singlife Shield offers peace of mind and financial security when it comes to your healthcare needs. Let's explore the key features and benefits of this innovative insurance product.
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Singlife Shield offers a comprehensive set of features designed to provide extensive coverage for your healthcare needs. From private hospital coverage to flexible rider options and generous pre- and post-hospitalization benefits, this plan ensures you're well-protected in various medical scenarios. Let's delve into the key features that make Singlife Shield stand out:
Singlife Shield offers coverage for private hospitals and Class A/B1 wards in public hospitals. Plan 1 covers any standard ward of a private hospital, while Plan 2 and Plan 3 cover Class A and B1 wards in public hospitals respectively.
Enhance your coverage with Singlife Health Plus riders. Options like Private Prime and Public Prime can help reduce your out-of-pocket expenses by covering deductibles and co-insurance, providing more comprehensive protection.
The plan features an annual deductible and co-insurance structure. With Singlife Health Plus Private Prime, co-insurance is capped at S$3,000 per policy year for treatments through preferred medical providers.
Enjoy a 15% discount on Singlife Health Plus premiums if your total claim amount is S$1,000 or less during the assessment period. This reward encourages policyholders to maintain good health.
Benefit from pre-hospitalization coverage up to 180 days before admission and post-hospitalization coverage up to 365 days after discharge. This extensive coverage period ensures comprehensive protection for your medical needs.
Singlife Shield covers various outpatient treatments, including cancer drug treatments on the Cancer Drug List (CDL). It also provides coverage for alternative treatments like Proton Beam Therapy, offering a holistic approach to healthcare.
Singlife Shield goes beyond basic coverage to offer a range of benefits that cater to various healthcare scenarios. From lifelong protection to coverage for specific medical conditions, this plan is designed to provide comprehensive support throughout your life. Here are some of the key benefits that make Singlife Shield a valuable addition to your healthcare strategy:
Singlife Shield provides coverage for life, ensuring you have protection against medical expenses at any age. This lifetime coverage offers peace of mind for your long-term healthcare needs.
Your policy is guaranteed to be renewed annually, regardless of changes in your health condition. This ensures continuous coverage and protection throughout your life.
The plan covers congenital conditions that manifest after the policy start date. This benefit provides crucial support for unexpected health issues that may arise from congenital conditions.
Singlife Shield covers up to 24 inpatient pregnancy complications. This coverage begins after a 10-month waiting period, providing essential protection for expectant mothers.
The plan includes coverage for inpatient psychiatric treatment. Additionally, Singlife Health Plus offers a mental wellness benefit covering outpatient psychiatric consultations after 10 months of continuous cover.
Receive coverage for emergency overseas medical treatment, ensuring you're protected even when traveling abroad. This benefit provides peace of mind for international travelers.
Singlife Shield offers several additional benefits that further enhance its value proposition. These unique features are designed to provide extra support and flexibility, catering to a wide range of healthcare needs. Let's explore some of these additional benefits that set Singlife Shield apart:
Enjoy a high annual coverage limit of S$2,000,000 for treatments through preferred medical providers. This generous limit ensures comprehensive protection for major medical expenses.
Receive up to 5 times the MediShield Life claim limit for outpatient cancer drug treatments on the Cancer Drug List (CDL). The plan also covers up to S$30,000 per policy year for non-CDL cancer drug treatments.
Singlife Health Plus provides a lump-sum payout of S$10,000 for critical illnesses per lifetime. An additional payout of up to S$3,000 per lifetime is available for kidney dialysis resulting from kidney failure.
Benefit from free or discounted Singlife Shield coverage for your children. Additionally, enjoy an Accidental Cover of S$1,000 per lifetime for your child under Singlife Health Plus.
Receive additional benefits when staying in a lower ward class than your chosen plan in a restructured hospital. This feature rewards cost-conscious decisions while maintaining quality care.
Singlife Shield is available to Singapore citizens and Permanent Residents who are eligible for MediShield Life. The application process is straightforward and can be completed online or through a financial adviser representative. You'll need to provide personal information, answer health-related questions, and may be required to undergo a medical examination depending on your age and health status. Once approved, you can choose your preferred plan and rider options to customize your coverage according to your needs and budget.
Filing a claim with Singlife Shield is a simple process. For hospitalization claims, most hospitals have a direct billing arrangement, minimizing out-of-pocket expenses. For other claims, you can submit them online through the Singlife website or mobile app. You'll need to provide relevant documents such as original bills, receipts, and medical reports. Singlife offers pre-authorization services for certain treatments, ensuring a smoother claims process. For customer support, you can contact Singlife's dedicated service team via phone, email, or through their online portal, ensuring assistance is always available when you need it.
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Singlife Shield is an excellent choice for individuals seeking comprehensive health coverage beyond basic MediShield Life. It's particularly well-suited for those who prefer private hospital care, want coverage for a wide range of medical treatments including cancer and critical illnesses, or are looking for family-oriented health insurance solutions. With its flexible plans and rider options, Singlife Shield can be tailored to meet diverse healthcare needs and budgets.
, you'll be matched with 5 different insurance advisors who can provide varied insights and options tailored to your specific needs. Plus, you'll have the chance to participate in our 'Premiums On Us' campaign, where you could win your quarterly insurance premiums paid by Whatins. Don't miss this opportunity to secure comprehensive coverage and potentially save on your premiums – sign up with Whatins today!
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