All Singapore Citizens and Permanent Residents are eligible, including the very old and those who have pre-existing conditions. You can pay your annual premiums using your MediSave, or a family member’s. The Government also provides significant subsidies and support to keep premiums affordable and ensure that everyone can remain covered.
MediShield Life is a basic health insurance plan, administered by the Central Provident Fund (CPF) Board, which helps to pay for large hospital bills and selected costly outpatient treatments, such as dialysis and chemotherapy for cancer. It is structured so that patients pay less MediSave/cash for large hospital bills.
With MediShield Life, you’ll remain covered for life, regardless of your age or health condition.
MediShield Life can help reduce your cash outlay for large hospital bills.
MediShield Life covers expensive, recurring outpatient treatments, such as kidney dialysis, cancer drugs, and radiotherapy.
You’re covered for costs incurred in community hospitals and inpatient palliative care services.
Find out the benefits of MediShield Life coverage here.
All Singapore Citizens and Permanent Residents are automatically covered.
The premiums you pay depends on your age group. It’ll also include any rebates or subsidies you’re eligible for. If you’re covered under an Integrated Shield Plan (IP) which includes the MediShield Life component, your insurer will let you know what your IP premiums are. You can check what your premiums are at the ‘Coverage and premium details’ section on your Healthcare dashboard.
You are covered by MediShield Life even if you have a serious pre-existing medical condition. If you have a listed pre-existing condition, you will need to pay 30% additional premium for the first 10 years. Thereafter, you will pay the same standard premiums as others in your age group.
Premium Subsidies are available to lower to middle income families with household monthly income per person of $2,800 and below and a premium subsidy of up to 50%.
Pioneers* receive subsidies of between 40-60%, along with $250 – $900 every year in MediSave top-ups, depending on their age. Pioneers who need to pay additional premiums because of pre-existing medical conditions will also receive an additional MediSave top-up of $50 to $200 a year until 2025.
*Pioneers are Singapore Citizens born on or before 31 December 1949 and had obtained Singapore citizenship on or before 31 December 1986.
Merdeka Generation Seniors* receive additional subsidies of 5%-10% depending on their age, along with $200 every year in MediSave top-ups until 2023.
*Merdeka Generation seniors are Singapore Citizens born on or before 31 December 1959, had obtained Singapore citizenship on or before 31 December 1996, and did not receive the Pioneer Generation Package.
COVID-19 Subsidies are automatically granted to all Singapore Citizens for two years (with policy commencement or renewal on and after 1 March 2021). The Government will subsidise 70% of the net increase in premiums (after taking into account existing premium subsidies) in the first year, followed by 30% in the second year.
Additional Premium Support helps families who still need assistance even after Government subsidies and MediSave use. Therefore, no one needs to worry about losing their MediShield Life coverage due to inability to afford the premiums.
If you plan to use an A/B1-type ward in a public hospital or go to a private hospital for your future hospitalisations, you can consider purchasing a MediSave-approved private Integrated Shield Plan (IP), an insurance plan that comprises MediShield Life and private insurance coverage providing additional benefits and coverage (e.g. to cover the costs of private hospitals or A/B1-type wards in the public hospitals).
If you have no Integrated Shield Plan
If you have an Integrated Shield Plan
MediShield Life provides universal healthcare coverage to all Singaporeans and Permanent Residents for life, regardless of their pre-existing medical conditions. Coverage is mandatory for Singapore residents and cannot be cancelled or terminated.
The payment options for MediShield Life premiums include:
You can view the premium deduction in your Transaction history at the CPF website.
For MediShield Life enquiries, contact CPF at 1800 222 3399 /65 6222 3399 (overseas) from Monday to Friday, 8.30am to 5.30pm (GMT8 / excluding public holidays). You can also write to them.