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MediShield Life

Medishield Life insurance is health insurance coverage for Singapore citizens and Permanent Residents. What does MediShield Life insurance cover? Read on.

What is MediShield Life?

MediShield Life is a basic health insurance plan, administered by the Central Provident Fund (CPF) Board, which helps people pay for large hospital bills and selected costly outpatient treatments, such as dialysis and chemotherapy for cancer.

MediShield Life replaced MediShield in Singapore from 1 November 2015 and offers:

• Better protection and higher payouts, so that patients can pay less with their MediSave account or cash, especially for large hospital bills

• Protection for all Singapore citizens and Permanent Residents, including the very old and those who have pre-existing conditions

• Protection for life

What Does MediShield Life Cover?

MediShield coverage is sized for subsidised treatment in public hospitals. Those who choose to stay in a Class A/B1 wards or in a private hospital are also covered by MediShield Life. However, as MediShield Life payouts are pegged at Class B2/C wards, the MediShield Life payout will make up a small proportion of the bill only. The patient may, therefore, need to pay more of their bill from MediSave and/or cash.

The government will also provide significant support to keep your MediShield Life premium affordable, including those who need to pay additional premiums. Some subsidies include:

• Premium subsidies for the lower- to middle-income

• Pioneer generation subsidies for Pioneers

• Transitional subsidies to ease the shift to MediShield Life for Singapore citizens

• Additional premium support for those who are unable to afford their MediShield Life premium, even after subsidies

MediShield Life Premiums will be affordable and may be fully paid with your MediSave account.

For more information, like how Medishield Life works with Integrated Shield Plans, please click here.

Related: Integrated Shield Plans (IPs)

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This article was last reviewed on Monday, November 23, 2020