Hospital

Singlife Health Plus: Comprehensive Coverage for Your Healthcare Needs

Are you worried about unexpected medical expenses? You're not alone. Many Singaporeans find that 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 Health Plus comes in, offering a comprehensive solution to minimize the financial and emotional strain of unexpected medical expenses.

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What is Singlife Health Plus?

Singlife Health Plus is a rider that enhances your Singlife Shield plan , providing greater financial assurance from diagnosis to post-treatment. It's designed to complement your existing MediShield Life coverage and Singlife Shield plan, offering additional benefits and reducing your out-of-pocket expenses.

Key Features of Singlife Health Plus

High Annual Coverage Limit

Singlife Health Plus, when paired with Singlife Shield, offers a high annual coverage limit of S$2,000,000 . This ensures you have ample protection for major medical expenses.

Reduced Out-of-Pocket Expenses

Your co-insurance is capped at S$3,000 per policy year for treatments made through A&E or Singlife's preferred medical providers. This significantly reduces your financial burden during medical emergencies.

Lump-Sum Payouts for Critical Illnesses

Receive a lump-sum payout of S$10,000 for critical illnesses per lifetime . Additionally, get up to S$3,000 per lifetime for kidney dialysis as a result of kidney failure.

Extensive Cancer Coverage

Covers up to S$30,000 per policy year for outpatient cancer drug treatments not on the Cancer Drug List (non-CDL). This provides crucial financial support for various cancer treatments.

Mental Wellness Benefit

After 10 months of continuous cover, you can claim expenses associated with outpatient psychiatric consultation. This benefit acknowledges the importance of mental health in overall wellbeing.

Family-Friendly Benefits

Enjoy free or discounted Singlife Health Plus coverage for your children . There's also an Accidental Cover of S$1,000 per lifetime for your child.

Why compare Singlife Health Plus with other Hospital (ISP) options through Whatins?

Traditional Approach

  • Only see options from advisor's preferred insurer
  • Limited comparison with MediShield Life integration
  • May push specific ward classes without full context

Whatins Advantage

  • Compare how different plans integrate with MediShield Life
  • See actual bill coverage differences between insurers
  • Get multiple perspectives on public vs private coverage
  • Understand ward class options across insurers

How Singlife Health Plus Works

Singlife Health Plus works in conjunction with your Singlife Shield plan to provide comprehensive coverage. Here's a simplified breakdown:

  1. Annual Deductible : This is the amount you pay before Singlife Shield and Singlife Health Plus begin to pay.
  1. Co-insurance : After paying the deductible, you pay a portion of the remaining bill (co-insurance).
  1. Singlife Health Plus Payout : The rider covers the remaining amount, significantly reducing your out-of-pocket expenses.

Plan Options

Singlife Health Plus offers different options based on your Singlife Shield plan:

  1. Private Prime (paired with Shield Plan 1): Covers any standard ward of a private hospital
  1. Public Prime (paired with Shield Plan 2): Covers any standard ward (A) of a public hospital
  1. Public Prime (paired with Shield Plan 3): Covers any 4-bed standard ward of a public hospital

Premiums start from as low as S$0.50 per day for a 31-year-old, after the No Claims Discount.

Real-Life Scenario

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

With pre-authorisation:

  • Joyce pays only S$3,000 out-of-pocket (co-insurance capped at S$3,000 per policy year)
  • 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

This example illustrates how Singlife Health Plus significantly reduces out-of-pocket expenses , especially when using pre-authorisation.

Additional Benefits

Wide Network of Medical Specialists

Get priority access to Singlife's panel specialists within 3 working days and enjoy preferred rates for outpatient consultations.

Pre-authorisation

Get assurance that your treatment is claimable before proceeding. This is available when you visit a private medical specialist from Singlife's panel.

Cashless and Hassle-Free Treatment

With pre-authorisation, enjoy cashless admission and paperless claims at participating private hospitals and clinics.

Important Notes

  • No Claims Discount : Enjoy a 15% discount on premiums if your total claims are S$1,000 or less during the assessment period.

  • Policy Year Limit : The S$2,000,000 limit applies when all treatments are made through preferred medical providers.

  • Pre and Post-Hospital Treatment : Coverage extends up to 180 days before and 365 days after hospitalization for treatments at public hospitals or with pre-authorised private specialists.

  • Cancer Drug Treatments : Only treatments on the Cancer Drug List are claimable under the Outpatient Cancer Drug Treatment benefit.

  • Pregnancy Complications : Must be first diagnosed after a 10-month waiting period.

  • Free Coverage for Newborns : Available under certain conditions for up to 6 months.

Conclusion

Singlife Health Plus offers a comprehensive solution to enhance your basic health insurance coverage . By reducing out-of-pocket expenses, providing extensive benefits, and offering hassle-free treatment options, it aims to give you peace of mind during medical emergencies. However, as with any insurance decision, it's crucial to carefully consider your personal needs and financial situation.

Remember, the best insurance plan is one that fits your specific circumstances and provides you with the coverage you need at a price you can afford. If you're considering Singlife Health Plus or any other health insurance plan, it's always wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.

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