MyShield is a Medisave-Approved Integrated Medical Expense insurance plan that can be purchased using CPF Medisave. It covers eligible inpatient and outpatient expenses as a result of any Illness or Accident subject to the limits as set out in the Benefits Schedule depending on the plan you have chosen.
MyShield Plus may be added to your application and covers your Co-Insurance portion under MyShield and provides a lump sum Critical Illness Benefit in the event of diagnosis of a Critical Illness as well as Hospital Cash Benefit in the event of a hospital admission. Free cover under MyShieldPlus is granted to your children if both you and your spouse are covered, subject to certain conditions being met.

Please read the product summary of MyShield.
If you are considering MyShield Plus, please read its product summary.

We would like to further explain four important concepts: Pro-ration Factor, Annual Deductible and Co-Insurance, and Underwriting options.

The actual benefit payable will be subjected to the following factors as specified in the Benefit Schedule:

• Pro-ration Factor: If an Insured Person is admitted to a ward higher than what he/she is entitled to under the plan he/she has chosen, or received Inpatient treatment outside Singapore, the Pro-ration Factor (if applicable), which is expressed as a percentage, will be applied to the actual charges incurred or the Reasonable and Customary Charges for equivalent medical treatment in any Singapore private Hospital or Singapore General Hospital, depending on the Plan covered, whichever is lower.
• Annual Deductible: Before a claim is payable, an Insured Person has to pay the Annual Deductible which is the accumulative total amount of covered expenses incurred by him/her during any one Policy Year.
• Co-Insurance: In the event a claim is payable, an Insured Person has to pay the amount of Co-Insurance as stated in the Benefits Schedule. If you are covered under MyShieldPlus the Co-Insurance portion for MyShield will not have to be borne by you in the event of hospitalisation if the claim is payable under MyShield and the claim does not exceed the maximum claim limits as stated in the MyShield Benefits Schedule.

Click here for a more detailed explanation and example.

You may choose from two underwriting options: Full Medical Underwriting or Moratorium Underwriting. For the Moratorium Underwriting Option, We will not ask You to give details of the Insured Person's medical history. Instead, We will not cover any Pre-Existing Condition that existed prior to the commencement of cover of MyShield. Click here for a more detailed explanation of these options.
Advice option

I am aware that insurance is a long-term commitment and I am aware that I can seek advice from a licensed Financial Adviser representative. Should I choose not to, I take sole responsibility to ensure that this application is appropriate to meet my financial needs and insurance objectives.

I/We wish to receive advice on MyShield before I apply (if you select this you will be re-directed to an appointment page).

I/We do not wish to receive any advice on this MyShield application, I have read and understood the relevant product summary and "Your Guide to Health Insurance", and I understand all important concepts including but not limited to Pro-ration Factor, Annual Deductible, Co-Insurance, and Underwriting options.