• Health Insurance


Hospitalization Plan
Long Term Care

In the event of hospitalisation, a huge medical bill can be a major headache and concern for the patient and loved ones. All Singaporeans/PRs are automatically enrolled under MediShield Life (a basic health insurance plan) which helps to pay for large hospital bills and selected costly outpatient treatments, such as dialysis and chemotherapy for cancer.

Find out how an Integrated Shield plan complements your MediShield Life coverage:
・Increasing the yearly claimable limits
・Providing options up to as-charged coverage for eligible inpatient and outpatient hospital treatment expenses (subject to policy terms)
・Allowing you to upgrade your ward and choose your preferred doctor

・Enhance MediShield Life coverage to Integrated Shield plan using CPF Medisave account up to the medisave withdrawal limit
・Optional riders (funded by cash only) to reduce amount payable for deductible and co-insurance
・Covers for pre and post hospitalization expenses

We often neglect to plan for potentially life changing events such as a severe disability or illness. Such unfortunate events usually take a long time to recover and can drain a person financially. How well are you prepared for these eventualities?

What is “Severe Disability”? It is the inability of an individual to perform three or more Activities of Daily Living (ADLs – washing, dressing, feeding, toileting, mobility, transferring) independently, with or without mobility aids (e.g. walking aids, wheelchair).

In the event of a severe disability, you will need to make life impacting changes to your daily activities such as the use of mobility aids, long term medication, physiotherapy or hiring a personal assistant. This could result a spike in your living expenses.

All Singaporeans/PR are automatically enrolled under CareShieldLife Scheme (for age 30 and above after year 2020). This scheme provides a monthly payout to those who cannot perform the stipulated ADLs.

Enhance your CareShield Life or ElderShield cover with the following benefits:
・Higher monthly payout;
・Life time monthly payout (for ElderShield Plan only);
・Receive payout if you are unable to perform at least 2 out of 6 ADLs (instead of 3 out of 6 ADLs);
・Receive additional benefits such as lump-sum benefit and death benefit.

Moreover, you can pay for these enhanced benefits out of the CPF Medisave Account (subject to CPF Medisave withdrawal limits).

Why Livelife?

Life insurance should not be a retailed product sold to you but a fitted solution after you fully understand what is suitable for you and what the benefits are. If you feel uncertain about life insurance, please knock on our door. We won't disappoint you.

Professional consultation with financial planning aided by technology

We strive to maintain the highest level of competency and professionalism to fulfil our promises to our customers. Through our unique consultation-based approach with financial planning tool, you get to visualize your needs and goals in your life. You will be able to get the right protection you need for the various stages of your life.

Unbiased, fully salaried Relationship Manager advice with fair product comparison

Our LiveLife Relationship Managers are not remunerated by commissions. Based on our life planning and financial simulations, we are able to provide clear comparison among several insurers’ products. Hence, you are able to choose the most suitable insurance plan based on our unbiased recommendation.

Customer’s Review

Be the next person to experience with our excellent services.

“He(My advisor) answered my questions patiently and gave me as much time as I needed to make the right decisions.”
–A.W –

“I will definitely recommend LiveLife@Westgate for your insurance needs!”
–K.C –

“I was really surprised when I see an insurance (advise) company in a shopping mall. So convenient!”
–D.W –


With the LiveLife Comprehensive Consultation Process, our Relationship Manager will be able to help you to evaluate your life goal and desire, your current and expecting income and expenses, risk appetite and other financial conditions, and recommend solutions that are best suited to your needs and goals.
LiveLife consultation is completely free. LiveLife Relationship Managers are salary-based advisers and do not earn commissions from the sale of insurance product. Together with our LiveLife comprehensive consultation process, they can provide you with the most unbiased advice and recommend solutions that best suit your needs and goals.
From a product perspective, there is no difference. The premium you pay for the insurance plan is the same, the terms of contract is the same and the benefits you enjoy will also be the same. However, our LiveLife Comprehensive Consultation Process, supported by a salary-based sales model, we are in a unique position to help you to derive more value from each recommendation offered to you. We are committed to help you to get the best value for every dollar you put into your insurance plan.
Whether one needs to undergo medical underwriting depends on several conditions, not least the person’s medical history and the current state of medical health. Our Relationship Manager will be able to advise you on the requirement during the consultation. You can check out more information from our Relationship Manager by submitting an enquiry now!
Our LiveLife shop is poised to offer you a unique customer consultation experience. You can enjoy a comfortable and totally confidential consultation journey without the pressure to buy. However, we do understand that travelling to The Livelife shop at Westgate Mall may not be the most convenient at times. We can arrange to meet at our downtown office at 20 Anson Road. Alternatively, if a face to face consultation is not your preferred choice at the moment, our Relationship Managers are most able to arrange the consultation online. You will be rest assured that the consultation process is equally professional, comfortable and confidential as in the face to face process. Please let us know your preference by submitting your enquiry here!

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