MediShield Life
Find out more about MediShield Life below.
What is MediShield Life?
MediShield Life is a basic health insurance plan which helps to pay for large hospital bills and selected outpatient treatments, such as dialysis and chemotherapy for cancer.
It is structured so that patients will use less of their own cash and MediSave funds to pay for healthcare in Singapore.
MediShield Life provides lifelong coverage for all Singaporeans, regardless of your age or pre-existing/existing health condition.
Benefits
MediShield Life’s coverage is designed to cover treatment at public hospitals’ B2 and C wards, as well as subsidised outpatient or day surgery treatments in public hospitals.
For those who would like to stay in Class A/B1/B2+ wards or seek treatment at private hospitals, MediShield Life will cover a smaller portion of the bills, and you will have to pay for the rest of the bill either through MediSave, cash, or your private insurance.
There is a claim limit of $150,000 per year.
In general, MediShield Life covers 3 main aspects of your healthcare needs:
- Hospitalisation or day surgery
- Reduce your cash outlay for large hospital bills
- Outpatient treatment
- Including expensive, recurring outpatient treatments, such as kidney dialysis, chemotherapy, and radiotherapy
- Long-term care
- Covered for costs incurred in community hospitals and inpatient palliative care services
Full breakdown of MediShield Life benefits
| MediShield Life Benefits | Claim limits | ||
|---|---|---|---|
| Inpatient/Day Surgery | |||
| Daily Ward and Treatment Charges¹ | |||
| - Normal Ward | $800/day* | ||
| - Intensive Care Unit Ward | $2,200/day* | ||
| *An additional claim limit of $200/day applies for the first 2 inpatient days | |||
| - Psychiatric (Up to 60 days per policy year) | $160/day | ||
| - Community Hospital (Rehabilitative)² | $350/day | ||
| - Community Hospital (Sub-acute)² | $430/day | ||
| - Inpatient Palliative Care Service (General) | $250/day | ||
| - Inpatient Palliative Care Service (Specialised) | $350/day | ||
| Surgical Procedures | A | B | C |
| - Table 1 A/B/C (less complex procedures) | $240 | $340 | $340 |
| - Table 2 A/B/C | $580 | $760 | $760 |
| - Table 3 A/B/C | $1,060 | $1,160 | $1,280 |
| - Table 4 A/B/C | $1,540 | $1,580 | $1,640 |
| - Table 5 A/B/C | $1,800 | $2,180 | $2,180 |
| - Table 6 A/B/C | $2,360 | $2,360 | $2,360 |
| - Table 7 A/B/C (more complex procedures) | $2,600 | $2,600 | $2,600 |
| Implants | $7,000/treatment | ||
| Radiosurgery, including Proton Beam Therapy - Category 4³ | $10,000/treatment course | ||
| Continuation of Autologous Bone Marrow Transplant Treatment for Multiple Myeloma | $6,000/treatment | ||
| ¹Includes meal charges, prescriptions, professional charges, investigations and other miscellaneous charges ²Claimable only upon referral from a hospital after an inpatient admission or from a public hospital’s emergency department for further medical treatment. | |||
| Outpatient Treatment | |||
| Cancer Drug Treatment | $300 - $9,600 per month, depending on cancer drug treatment⁴ | ||
| Cancer Drug Services | $1,200/year | ||
| Radiography for Cancer | |||
| - External (Except Hemi-Body) | $300/treatment | ||
| - Brachytherapy | $500/treatment | ||
| - Hemi-Body | $900/treatment | ||
| - Stereotactic | $1,800/treatment | ||
| - Proton Beam Therapy - Category 1³ | $300/treatment | ||
| - Proton Beam Therapy - Category 2³ | $500/treatment | ||
| - Proton Beam Therapy - Category 3³ | $1,800/treatment | ||
| Kidney Dialysis | $1,100/month | ||
| Immunosuppressants for Organ Transplant | $550/month | ||
| Erythropoietin for Chronic Kidney Failure | $200/month | ||
| Long-term Parenteral Nutrition | $1,700/month | ||
| Maximum Claim Limit | |||
| Per Policy Year | $150,000 | ||
| Lifetime | No Limit | ||
| ³Refer to the MOH website for the approved indications for use of Proton Beam Therapy. ⁴Refer to the Cancer Drug List on the MOH website for the applicable claim limit. | |||
Eligibility
Every Singaporean Citizen and Permanent Resident (PR) is automatically enrolled in MediShield Life. All pre-existing conditions are covered under MediShield Life, with Singaporeans covered from birth.
MediShield Life is compulsory for all Singaporeans.
How to make a MediShield Life claim?
You can do a MediShield Life claim under two scenarios:
| If you have an Integrated Shield Plan* | If you have no Integrated Shield Plan* |
|---|---|
| Reach out to your private insurer or insurance agent and they will make the claim on your behalf, including the MediShield Life portion of the bill. It is good to let your insurer know about your circumstances prior to going to the hospital if that is possible, as certain shield plans require you to visit hospitals under the insurer’s panel list, or a pre-authorisation. Speak to your insurer agent for more information regarding this. If there is an outstanding bill after deductions, you may settle the remainder of the bill via MediSave or cash. | When at the hospital or clinic, inform the attending nurse that you would like to make a MediShield Life claim. The medical institution will submit the claim on your behalf, and you may settle the remaining amount via cash or your MediSave account. |
How to apply
There’s no need to apply for MediShield Life. If you are a Singaporean or PR, you would automatically be enrolled into MediShield Life.
You will have to pay for your MediShield Life premiums. You can fully pay your annual premiums using your MediSave, or a family member’s MediSave. You may find out how much premiums you have to pay via the CPF website.
More useful resources on MediShield Life
Health Insurance for Seniors
How to Use Medisave to Cover Your Outpatient Costs?
CPF MediShield Life: Premium, Benefits, Coverage & Claims
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