Maintaining good health involves more than just a balanced diet and regular exercise. It also requires proactive financial planning for unexpected medical expenses. Singlife Health Insurance, provided by one of Singapore’s most progressive and rapidly expanding insurers, offers comprehensive solutions aimed at making quality healthcare both accessible and affordable for individuals and families.
In this article, we explore Singlife’s health insurance offerings in Singapore, including what’s available, how the plans function, and why a growing number of people are choosing Singlife for reliable medical coverage.
Who is Singlife?
Singlife is the result of a merger between Aviva Singapore and Singapore Life, forming one of the largest homegrown financial services companies in the region. Known for its tech-driven approach, transparent pricing, and customer-first attitude, Singlife is well-positioned to serve the evolving needs of Singapore’s healthcare landscape.
Whether you’re a young professional, a parent, or preparing for retirement, Singlife has plans that match your lifestyle, budget, and healthcare expectations.
Health Insurance Options with Singlife
Singlife offers an Integrated Shield Plan (ISP) called Singlife Shield, which enhances the basic coverage under MediShield Life — the national insurance plan provided by CPF.
To further reduce personal expenses, you can add Singlife Health Plus, a rider that lowers or eliminates co-payments, making your overall coverage more robust and manageable.
Singlife Shield and Singlife Health Plus
Singlife Shield
In Singapore, you can choose from three Singlife Shield plan tiers, each designed to match your preferred hospital type and treatment level:
- Plan 1: For those who prefer private hospitals, with full coverage for inpatient treatment, surgery, and pre/post hospitalisation.
- Plan 2: Coverage for Class A wards in public hospitals, offering comfort and quicker access to medical specialists.
- Standard Plan: A government-approved, affordable plan aligned with Class B1 wards in public hospitals.
Key benefits include:
- Coverage of hospitalisation, surgery, and day surgeries
- Pre- and post-hospitalisation benefits (180 days before and 365 days after admission)
- Cancer drug treatments, outpatient consultations, and diagnostic services
- Emergency overseas medical treatment
Singlife Health Plus
This optional rider enhances your base plan by lowering out-of-pocket costs. Depending on the rider chosen, you can enjoy:
- Co-payment caps (as low as S$3,000/year)
- Panel and non-panel doctor flexibility
- Additional benefits like cashless admission, second medical opinions, and lifestyle support services
There are two main rider options:
- Health Plus (Preferred) – Offers comprehensive support for those opting for panel doctors and hospitals.
- Health Plus (Standard) – Basic enhancement with slightly more limited access.
Why Choose Singlife for Health Insurance?
Smart Digital Experience – From application to claims, Singlife delivers a streamlined, app-based experience. You can manage your policy, submit documents, and receive updates directly via the Singlife App.
Transparent & Affordable – Singlife provides straightforward pricing and policy details, making it easier to compare options and choose what works best for your budget.
Access to Quality Care – Enjoy access to a wide network of panel doctors, private hospitals, and specialist care, with support before, during, and after your treatment.
Generous Pre/Post Hospitalisation Coverage – Singlife covers up to 180 days before and 365 days after hospital admission — ideal for those undergoing long treatment cycles or follow-up care.
Flexible Co-payment Structures – Choose how much you want to co-pay. Riders help you control expenses while still receiving top-tier treatment and services.
Who Should Consider Singlife?
Singlife’s health insurance plans are great for:
- Young professionals seeking digital-first, fuss-free medical coverage
- Parents who want an affordable and comprehensive plan for their children
- Working adults who prefer private hospitals but want to manage premium costs
- Policyholders seeking a stable plan with ongoing medical support due to age-related health needs.
Whether you’re buying your first policy or reviewing your current coverage, Singlife offers scalable solutions that grow with your changing needs.
How Are Premiums Structured?
Singlife premiums depend on:
- Age at entry
- Plan type (Plan 1, Plan 2, or Standard)
- Medical underwriting results
- Whether you choose a Health Plus rider
MediSave funds can be used to pay for part of the base Shield plan, while rider premiums are paid in cash. Singlife’s consultants or online tools can help you estimate your premiums based on your profile.
Enrolment Process
Getting started with Singlife is quick and simple:
- Speak with a Financial Adviser or explore online.
- Choose your plan tier and optional rider.
- Submit application and health declaration.
- Receive approval and start coverage — often within days.
All policies and documentation are accessible online, and customer support is readily available via phone, chat, or app.
Looking Ahead
Singlife is changing the way Singaporeans approach health insurance — making it more affordable, accessible, and easy to understand. Whether you prioritise private healthcare, prefer digital convenience, or need a plan that fits your lifestyle, Singlife offers reliable coverage designed for today’s needs.
If you’re looking for a straightforward, tech-friendly way to stay protected, Singlife could be the right choice. Connect with a financial advisor to explore your options and take the first step toward health coverage that grows with you.
Disclaimer: 365Asia aims to provide accurate and up-to-date information, our contents do not constitute medical or any professional advice. If medical advice is required, please consult a licensed healthcare professional. Patient stories are for general reading. They are based on third-party information and have not been independently verified.