Shield Plan Premium Projector
Singlife Shield premiums rise sharply with age — over $10,000/year by age 85 for a private-hospital plan. See your projected premium at any future age and the monthly passive income needed to fund it.
Rider: Singlife Health Plus Private
Premium view
All-in: MediShield Life + IP + rider
Rider rate
Standard premium — assumes you may claim
SG IP plan premiums rose ~6% p.a. on average from 2015–2025.
Typical SG REIT or dividend portfolio yields 4–6% p.a.
At age 85, your annual premium will be
$391K
≈ $33K/month — up from $2K/yr today
Lump sum needed at 4% SWR
$9.8M
Trinity-study withdrawal
Lump sum needed at 5% yield
$7.8M
Dividend-funded approach
Monthly passive income
$33K
Required to cover that year's premium
Total lifetime spend
$4.1M
Age 35 → 85, nominal
Premium at milestone ages
Age 65
$45K
Age 75
$153K
Age 85
$391K
Premium projection
X-axis = age (next birthday) · Y-axis = annual premium in nominal SGD · Inflation: 6% p.a.
Source: Singlife Shield Plan 1 (Private Hospital) rates effective 1 April 2026. Premiums are non-guaranteed — Singlife (and MOH for MediShield Life) can revise them at renewal. The projection compounds today's age-banded rates by your chosen inflation rate; actual future premiums may differ materially. The lump sum figures assume your portfolio grows at the chosen rate after withdrawals — under-performance reduces durability. This tool is for personal planning only and is not financial advice.