MediShield vs MediShield Life

MediShield will be replaced by MediShield Life. These are the key differences between the two: MediShield Life offers higher claim limits for hospital bills and outpatient cancer treatments like chemotherapy. There is no lifetime claim limit for MediShield Life, meaning you are covered until death.

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.

What are the Benefits?

MediShield Life is sized for subsidised treatment in public hospitals and pegged at B2/C-type wards. If you choose to stay in an A/B1-type ward or in a private hospital, you are still covered by MediShield Life. However, you will find that your MediShield Life payout will cover only a small proportion of your bill. You would need to draw from MediSave and/or cash to pay the balance.

Click here for more information on how to make a MediShield Life Claim.

Click here to read more on MediShield Life Benefits.

Can I pay my IP Premiums using MediSave?

The MediShield Life component of your Integrated Shield Plan is fully payable by MediSave.

The additional private insurance component is also payable by MediSave, but only up to the following Additional Withdrawal Limits:

  • $300 per year for those at age 40 years and below on their next birthday
  • $600 per year for those at age 41 to 70 years on their next birthday
  • $900 per year for those at age 71 years and above on their next birthday

Any excess would need to be paid in cash.