Singlife Health Plus

Frequently Asked Questions

1 PRODUCT DESCRIPTION

1.1 What is Singlife Health Plus?

Singlife Health Plus provides complementary protection to Singlife Shield by providing coverage for
the deductibles and/or co-insurance so that you can pay less or lower expenses for your medical
bills.

Only policyholders who have Singlife Shield coverage are eligible to purchase Singlife Health Plus.

2 PLAN FEATURES

2.1 Are there changes to existing Singlife Health Plus benefits from 1 April 2023?

Note:
These changes will be applicable to:
a) new customers who purchased Singlife Health Plus; and
b) contract renewal for existing policyholders,
from 01 April 2023 onwards.

The key changes in benefits are as follow:

(a) Benefit Changes:

• 1 new benefit has been added:
- Outpatient cancer drug benefit (Non-CDL)

2.2 Are there any changes in premiums for Singlife Health Plus?

Riders attachable to Plan 1

Summary of the premium rate changes can be found in the table below. For riders that are not
available for new business (Private Cover, Deductible Cover), detailed changes can be found in
the premium table:

Rider Premium changes

ANB 40 and below: premiums have on average reduced by 19%
ANB 41 and above: premiums have on average increased by 15% to keep
Private Prime
pace with medical inflation

Premiums have on average increased by 18% to keep pace with medical

Private Lite inflation

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 Riders attachable to Plan 2 / 3
There are no changes to premium rates.

<< No Claims Discount of 15% >>

15% no claims discount will continue to apply to all new policies and to existing policyholders
who are eligible.

2.3 What is the No Claims Discount?

You will get a 15% premium discount on your Singlife Health Plus premiums if:
• the cover start date or renewal date of your Singlife Health Plus policy is on or after 1st April
2022, and
• the total claim amount that we have paid during the assessment period under your Singlife
Shield and Singlife Health Plus policies (excluding the claim amount paid by MediShield Life)
is less than or equal S$1,000.

Any refunds (e.g. refunds from other insurance policies that covers the same life assured),
excluding the refund amount for MediShield Life, which we receive during an assessment period
will reduce the total claim amount paid in that assessment period.

Assessment period means the following periods starting two months before the next policy
renewal date:
• For the first policy year, the past 10 months
• For the second policy year, the past 22 months
• For the third policy year onwards, the past 24 months

2.4 How do I apply for the No Claims Discount and can I still apply for it if my policy is new?

There is no application or action needed from your financial adviser representative or you. The No
Claims Discount is applied automatically onto the premiums of an eligible Singlife Health Plus
policy.

New Singlife Heath Plus policies are automatically eligible for the No Claims Discount.

2.5 Is monthly payment mode available?

We allow monthly payment mode for Singlife Health Plus for all options.

For monthly payment frequency, the subsequent payments must be made via Interbank GIRO.

2.6 What are the differences between Private / Public Lite and Private / Public Prime?

Benefit Private Lite Public Lite Private Prime Public Prime

Ward downgrade benefit Yes No

Free cover for child(ren) Yes No
Preferred rate for child(ren) No Yes

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 2.7 What is the annual deductible and maximum co-insurance payable by me under Private / Public
Lite and Private / Public Prime?

Private Lite Public Lite Private Prime Public Prime

A&E or
Preferred
S$0
medical
Annual Singlife Shield Singlife Shield
providers*
deductible annual annual
S$1,000 S$0
payable by deductible deductible
(Inpatient)
policyholder applies applies
Others
S$500
(Day surgery)
A&E or
Maximum co- Preferred
S$3,000 per policy year
insurance medical
payable by providers*
policyholder
Others S$12,750 per policy year

You are required to co-pay 5% of the claimable amount after you have paid the Singlife Shield
annual deductible / Singlife Health Plus annual deductible.

* Preferred medical provider(s) refers to the list of approved medical providers (e.g., panel
specialist in a private hospital, public hospitals, etc.), which may be updated from time to time.
The full list of approved medical providers can be found at singlife.com/medicalspecialists.

2.8 What is the Ward Downgrade Benefit under Private /Public Lite?

If the life assured is an inpatient at a Singapore public hospital, we pay this benefit as shown in the
benefits schedule as long as:
• the admission as an inpatient is recommended by a doctor as necessary medical treatment,
and
• the life assured stays in the following wards lower than his chosen plan:
- For plan 1, any standard ward of a public hospital,
- For plan 2, a 4 bed (B1) standard ward or below of a public hospital, or
- For plan 3, a 6-bed (B2) standard ward or below of a public hospital.

We do not pay the ward downgrade benefit for day surgery, admission as an inpatient in a
community hospital, admission as an inpatient in a private hospital or if there is no hospital stay
involved. The ward downgrade benefit will not apply if the policyholder also has a Singlife Health
Plus Deductible Cover policy.

2.9 What is the Accidental Cover for Child Benefit?

If the life assured sustains a fracture to the skull, spine, pelvis, femur or hip as a result of an
accident, we will pay this benefit as long as:
• the life assured is below 19 years old at the time of the accident,

Sep 2023 Page 3 of 12

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 • the life assured is hospitalised due to the accident, and
• no prior claim under this benefit has been made.

We will only pay this benefit once during the lifetime of the life assured no matter how many
fractures are sustained by the life assured.

2.10 If one of the parents passes away during the child’s application for Family Discount for Child(ren)
Benefit, would the child still be eligible for the benefit?

No, the Family Discount for Child(ren) will not be applicable if any one of the parents pass away
before the inception of the child’s application.

2.11 What is the Cover for Child(ren) benefit and how does it differ between the different Singlife
Health Plus options?

Public Lite Public Prime

Benefit Private Lite Private Prime
(Plan 2 only) (Plan 2 only)
Cover for child(ren) Free Free Preferred rate Preferred rate

We will extend:
• the benefits under Public Lite of your policy, or
• the preferred rate under Public Prime of your policy,
(as the case may be, based on your plan and option stated in the policy schedule), for free to a
child life assured until he reaches 20 years old age next birthday if all of the following conditions
are met:
• the child life assured is a biological or legally adopted child who is at least 15 days old,
• on or before the cover start date, the child life assured’s parents are both covered under
either Singlife Shield plan 1 or plan 2, and also covered under either Singlife Health Plus:
- Private / Public Lite
- Private Cover, or
- Private / Public Prime,
whichever is applicable, and
• the child life assured is covered under Singlife Shield’s family discount for child(ren) or free
cover for child(ren).

If the child life assured ceases to enjoy family discount for child(ren) or free cover for child(ren)
under Singlife Shield, this benefit will also cease for the child life assured under your policy.

This benefit will continue even if one or both parents of the child life assured dies before this
benefit ceases.

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 2.12 What is the main difference between Private Cover and Private Prime?

Both Private Cover and Private Prime are attachable to Singlife Shield Plan 1 only.

Benefit Private Cover Private Prime

A&E or
Annual Preferred
S$0 S$0
deductible medical
payable by providers*
policyholder Inpatient treatment: S$500 Inpatient treatment: S$1,000
Others
Day Surgery: S$250 Day Surgery: S$500

* Preferred medical provider(s) refers to the list of approved medical providers (e.g., panel
specialist in a private hospital, public hospitals, etc.), which may be updated from time to time.
The full list of approved medical providers can be found at https://singlife.com/medicalspecialists.

2.13 What Singlife Health Plus options are available to me?

(a) The following Singlife Health Plus options are available for purchase:
• Private Lite
• Private Prime
• Public Lite
• Public Prime

(b) The following Singlife Health Plus options are available only through renewals of existing
policies:
• Private Cover
• Deductible Cover

Please note that if you want to change your current Singlife Health Plus option, it will be limited to
the options listed in (a).

Additionally, for Private Cover policyholders, if you choose to change your Singlife Shield plan type
from Plan 1 to Plan 2/3, your Private Cover option will be converted into a Public Prime option.

3 NEW BUSINESS ISSUANCE

3.1 Am I eligible to buy Singlife Health Plus?

To be eligible for coverage, the life assured must be the life assured of a Singlife Shield policy and
meet the following criteria.

Minimum Entry Maximum Entry Expiry Age

Age (ANB) Age (ANB)
Assured/ 17 N.A.^ N. A.
Proposer (Payer)
Life assured/ 15 days old or the 75 N.A.#
Dependant* date of discharge
from hospital

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use or its contents. Information is accurate as at 9 Sep 2023.
 after birth,
whichever is later

^ If the proposer (payer)/ assured is also the life assured, the maximum entry age of 75 (ANB) will
apply.

*Dependants are defined to be the proposer (payer)’s legal spouse, parent(s), grandparent(s),
sibling(s) and/or biological or legally adopted child(ren).
#
To be eligible for the Critical Illness Benefit under this policy, the life assured must be aged
between 1 year old and 65 years old at age next birthday.

3.2 How can my child qualify for Cover for Child(ren)?

All of the following conditions must be met:

• the child is a biological or legally adopted child who is at least 15 days old,
• the child is less than 20 years old at age next birthday,
• on or before the cover start date, the child’s parents are both covered under either Singlife
Shield plan 1 or plan 2, and also covered under either Singlife Health Plus:
- Private / Public Lite
- Private Cover, or
- Private / Public Prime,
whichever is applicable, and
• the child life assured is covered under Singlife Shield’s family discount for child(ren) or free
cover for child(ren).

3.3 If my spouse and I have existing Singlife Health Plus policies, do we have to wait until our policies’
anniversary date before applying for coverage for our newborn child?

Parents can apply for free child coverage at any time without waiting for the policy anniversary
date.

To sign up for Singlife Health Plus for your child, you can contact us at 6827 9933 or your Financial
Adviser Representative for assistance.

3.4 Can I buy Singlife Health Plus only for my dependant(s) without getting one for myself?

Yes, you may buy Singlife Health Plus for your dependant(s) without getting Singlife Health Plus for
yourself. In such cases, you shall be the policyholder/assured and your dependant shall be the life
assured who is entitled to Singlife Health Plus coverage. You can contact us at 6827 9933 or your
Financial Adviser Representative for assistance.

3.5 Why must the policy period of Singlife Health Plus coincide with Singlife Shield policy?

Singlife Health Plus is a rider and should follow the same policy period.

3.6 How will the policy document be delivered?

You will receive your policy, any endorsements, and communications electronically after your
insurance application is approved and policy is issued. We will inform you when the e-documents
are available.

Sep 2023 Page 6 of 12

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 If the e-documents are not available, you will receive printed documents. The policy document will
be sent directly to you by mail and it is deemed to have been delivered within 7 days from posting.

4 UNDERWRITING

4.1 What are the available underwriting options?

From 1 January 2019 onwards, the only available underwriting option for new business applications
is full medical underwriting.

For existing Singlife Shield policyholders with Singlife Health Plus application on or after 1 January
2019, there are two underwriting options – full medical underwriting and moratorium
underwriting, available for selection.

If the applicant is applying for Singlife Health Plus only and his/her existing Singlife Shield is under
moratorium underwriting, the Singlife Health Plus will be under moratorium underwriting unless
there is a new medical declaration.

You can contact us at 6827 9933 or contact your Financial Adviser Representative for more details.

4.2 What is moratorium underwriting?

With moratorium underwriting, applicants are not required to submit any medical history records.
This underwriting method will not be available for new business application from 1 January 2019.

Under moratorium underwriting, no underwriting is required. Any new, unexpected medical

conditions arising after commencement of life assured’s coverage will be covered, subject to the
terms and conditions of the policy.

Other than the list of permanently excluded pre-existing conditions, pre-existing conditions can be
covered after a continuous period of 5 years from the cover start date or reinstatement date or
date of upgrade, whichever is later, provided the life assured has NOT in respect of that particular
pre-existing condition:
• experienced symptoms,
• sought advice or tests from a doctor or specialist or alternative medicine provider (including
checkups for that medical condition),
• required treatment or medication, or
• received treatment or medication.

If at any time, during the 5-year moratorium, the life assured undergoes any of the above, then that
particular pre-existing condition shall be permanently excluded under the policy.

4.3 What is the list of pre-existing conditions that are permanently excluded under the policy if I have
chosen the moratorium underwriting option prior to 1 December 2016?

• Heart attack, heart bypass, angioplasty

• Chronic obstructive lung disease, chronic cor pulmonale, pulmonary hypertension
• Stroke
• Liver cirrhosis
• Paralysis
• Osteoporosis
• AIDS or HIV infection

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 • Thalassaemia Intermediate/major
• Diabetes with complications such as protein in urine or eye problem
• Kidney failure
• Organ transplantation
• Systemic lupus erythematosus (SLE)
• Muscular dystrophy
• Multiple sclerosis
• Alzheimer’s disease
• Dementia
• Any form of Cancer (other than skin cancer)
• Autism

4.4 What is full medical underwriting?

Full medical underwriting is the common underwriting practice for health insurance plans. With
full medical underwriting, the applicant is required to declare his/her medical history by fully
disclosing the medical history before the date of application for the policy.

5 PREMIUMS & POLICY SERVICING PROCEDURES

5.1 How long is the free look period?

The free-look period is 21 days from the date the policy is received by you. You are assumed to have
received the policy within 7 days after we have post it to you. If the policy was sent electronically,
we will consider it delivered 7 days after the date it was sent.

5.2 Will I be informed when Singlife Health Plus is due for renewal?

Singlife Health Plus is a guaranteed yearly renewal plan subject to premium payment. A renewal
notice will be sent to inform you on the renewal premium due.

For GIRO mode of payment, there will be arrangement to deduct the annual premium from your
designated bank account.

For cash payment, if the payment received is insufficient to renew the policy, a reminder letter will
be sent to inform you to make the payment.

5.3 What are the available frequencies of payment?

Annual and monthly payment frequencies are available for Singlife Health Plus.

For monthly payment frequency, the subsequent payments must be made via Interbank GIRO.

5.4 What are the available premium payment methods?

Premium payment can be made via AXS, DBS/POSB/UOB bill payment or setup GIRO arrangement.

5.5 When is the GIRO deduction date?

The first deduction takes place on 7th of the renewal month. If the first deduction fails, there will
be a second deduction on the 20th of the same month if the bank account is not closed and the

Sep 2023 Page 8 of 12

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use or its contents. Information is accurate as at 9 Sep 2023.
 GIRO arrangement is not terminated. If the deduction falls on a weekend or a Singapore Public
Holiday, it will take place on the next working day.

5.6 What is the procedure to change the payment method to GIRO?

DBS/POSB bank accountholder can setup GIRO arrangement through internet banking.

For other bank accountholder, you are required to complete the Interbank GIRO Application form,
which is available on Singlife’s corporate website at www.singlife.com.

5.7 How do I know if the policy has been renewed?

Upon collection of full renewal premium, a renewal confirmation letter will be sent to inform you
that the policy is renewed.

5.8 Are the premium rates guaranteed?

Rates are not guaranteed and are subject to regular review, considering the portfolio’s claim
experience. However, individuals will not be penalised for individual poor claims experience or ill-
health.

5.9 How do I update my personal particulars?

For change in address or contact details, please log on to MySinglife to update the change.

For change in other personal particulars, you are required to submit the “Request for Changes to
Individual Health Policies” form. The form is available on Singlife’s corporate website at
www.singlife.com.

5.10 How do I upgrade or downgrade the plan to Singlife Shield 1, 2 or 3 and/or Singlife Health Plus
Private / Public Lite or Private / Public Prime?

You are required to submit the “Request for Changes to Individual Health Policies” form. The form
is available on Singlife’s corporate website at www.singlife.com.

Note:
If you request to change your plan, your Singlife Health Plus option may be changed if your current
Singlife Health Plus option is not available under the new plan type you have selected.

Please contact us at 6827 9933 or your Financial Adviser Representative for assistance.

5.11 How do I change the option?

You are required to submit the “Request for Changes to Individual Health Policies” form. The form
is available on Singlife’s corporate website at www.singlife.com.

Please contact us at 6827 9933 or your Financial Adviser Representative for assistance.

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 5.12 How do I change Payer and/or Policyowner?

You are required to submit the “Request for Changes to Individual Health Policies” form. The form
is available on Singlife’s corporate website at www.singlife.com. The new Policyowner and Payer
must be the same person.

6 CLAIMS

6.1 How do I make a claim?

• For Hospital-related Benefits claims

Please submit the claim under Singlife Shield.

• For Co-insurance, Deductible and Ward Downgrade Benefit

Claim(s) will be automatically processed when the claim for Singlife Shield is filed.

• For Accidental Cover for Child claims

Please notify Singlife of the accident of the life assured within 30 days of occurrence. The life
assured has to submit the original documentation together with a fully completed “Personal
Accident Claim – Claimant’s Statement” and “Personal Accident Claim – Doctor’s Statement”.
You can obtain the forms from our website at singlife.com/claims.

• For Critical Illness claims

Please notify Singlife of the Critical Illness of the life assured within 30 days of diagnosis. The
life assured has to submit the original documentation together with a fully completed
“Claimant’s Statement” and “Doctor’s Statement” (where applicable). You can obtain the
forms from our website at singlife.com/claims.

6.2 How will the payments under Singlife Health Plus claim be made?

For benefits that are filed together with Singlife Shield, we will pay the relevant amount to the
hospital / clinic or the policyholder.

For Critical Illness Benefit, Additional Critical Illness Benefit for Kidney Failure and Accidental Cover
for Child, we will make payment to the policyholder.

6.3 How is the Additional Critical Illness Benefit for Kidney Failure payable?

If the life assured is diagnosed with kidney failure and requires kidney dialysis, we pay this benefit
as shown in the benefits schedule as long as:

• the dialysis is ordered by the attending doctor,

• the life assured receives dialysis at a subsidised centre or restructured hospital, and
• we admit the outpatient kidney dialysis claim under Singlife Health Plus.

If there is a claim made under this benefit, we will pay the remaining of the higher benefit, where
applicable. Where the maximum benefit has been paid, no further benefit will be payable.

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 This benefit will not be paid again if you have made a claim on this benefit and we have paid
according to your plan as shown in the benefits schedule before your change of plan. To avoid
doubt, if you upgrade your plan, we will pay this benefit according to your plan before the upgrade.

6.4 How do I calculate the co-payment that I have to pay?

(a) Determine the annual deductible payable based on the Singlife Health Plus option selected
Claim made for Private Lite Public Lite Private Prime Public Prime
treatment by
A&E or
Preferred
S$0
medical
providers*
Singlife Shield annual deductible S$1,000
S$0
applies (Inpatient
treatment)
Others
S$500
(Day Surgery)

(b) Determine the co-insurance payable based on the type of claim

Claim made for Co-insurance payable
treatment by (applicable to claimable amount after paying amount determined in
part (a) above)
A&E or
Preferred 5%,
medical maximum S$3,000 per policy year
providers*
5%,
Others
maximum S$12,750 per policy year

* Preferred medical provider(s) refers to the list of approved medical providers (e.g., panel
specialist in a private hospital, public hospitals, etc.), which may be updated from time to
time. The full list of approved medical providers can be found at
singlife.com/medicalspecialists.

(c) Calculate the amount

A customer with Singlife Health Plus Private Prime goes for day surgery performed by a non-
preferred medical provider with total cost of S$5,000. Prior to treatment, the customer has
already made other claims and paid S$12,600 in co-insurance for the policy year.

Amount Remarks
Cost of treatment S$5,000
Annual deductible payable S$500 Non-preferred medical provider.
Claimable amount after
S$4,500 = S$5,000 – S$500
paying annual deductible

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use or its contents. Information is accurate as at 9 Sep 2023.
 Co-insurance payable
before accounting for S$225 = 5% X S$4,500
maximum co-insurance
As the customer has already paid S$12,600 for
co-insurance in other claims made for the
same policy year, and the amount of co-
insurance payable for this claim (i.e. S$225) is
Actual co-insurance payable S$150 more than the remaining co-insurance amount
payable for the policy year (i.e. S$150 =
S$12,750 – S$12,600), the customer will only
have to pay the amount of S$150 for co-
insurance.

Sep 2023 Page 12 of 12

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use or its contents. Information is accurate as at 9 Sep 2023.