What is MediShield Life?
MediShield Life is a compulsory basic health insurance plan provided by the Central Provident Fund (CPF), Singapore. It covers all Singaporeans and Permanent Residents and provides some coverage for large hospital bills and selected outpatient treatments.
Key terms of MediShield Life
MediShield Life premiums are determined based on age and can be paid using CPF MediSave savings. There are also government subsidies (such as Pioneer Generation subsidies, Merdeka Generation subsidies) available to make Premiums more affordable for low-income individuals and the elderly.
Under MediShield Life, your deductible amount varies based on your age and ward class. Deductibles are the initial amount of the bill that patients need to pay before MediShield Life coverage kicks in.
Co-insurance rates take on a tiered structure ranging from 3-10%, making larger out-patient bills more affordable.
How does MediShield Life work?
| Hospitalisation | Claims Process |
| When a patient is hospitalised, MediShield Life helps to cover the hospital bills. While MediShield Life can be used for treatment in private hospitals, the claim limits are set based on charges in Class B2/C wards in public hospitals. This means that the coverage may be significantly less than the actual costs incurred in a private hospital. | Upon discharge, the hospital will process the claims automatically, reducing the patient’s out-of-pocket charges. |
| Total amount of coverage is subject to deductibles, co-insurance, and annual claim limit. |
Benefits of MediShield Life
Provides lifelong coverage for Singaporeans and PRs regardless of age, pre-existing conditions, and general health.
Pays for large hospital bills of Wards B2/C in public hospitals and selected outpatient treatments such as chemotherapy and dialysis.
No lifetime claim limit, which means there is no cap to the total amount of claims a person can make in their lifetime. However, there is an annual claim limit of $200,000.
What does MediShield Life cover?
Learn more about MediShield Life coverage for hospitalisation and outpatient treatment.
Is MediShield Life enough?
MediShield Life provides coverage for Wards B2/C in public hospitals. However, it does not fully cover bills for Wards B1/A or private hospitals. Therefore, for adequate coverage in higher wards or private hospitals, individuals are advised to enhance their MediShield Life coverage.
Did you know you can enhance your MediShield Life?
Frequently asked questions
MediShield Life is compulsory health insurance provided by CPF. It covers hospital bills for Class B2/C wards in public hospitals and selected outpatient treatments.
An Integrated Shield Plan (IP) is a private insurance plan that builds on MediShield Life, offering broader coverage for private hospitals or higher-class wards (A/B1) in public hospitals. IPs cover more treatments, have higher claim limits, and offer faster access to care, but come with higher premiums, partly payable by cash.
| MediShield Life | Integrated Shield Plan | |
| Coverage | Basic hospital bills (Class B2/C wards) | Enhanced coverage (Class A/B1/private) |
| Premium payment | Paid via MediSave | Paid via MediSave + cash for additional |
| Claim processing | CPF Board | Private insurers |
| Category | Coverage/Claim Limit |
| Daily Ward and Treatment Charges | Normal ward: Up to $800/day, plus $200/day for the first two days. |
| ICU: Up to $2,200/day. | |
| Specialist Services | Psychiatric care: Up to $160/day, capped at 60 days per policy year. |
| Surgical Procedures | Claims range from $240 to $2,600 based on the procedure’s complexity. |
| Implants | Coverage for implants: Up to $7,000 per treatment. |
| Advanced Treatments | Radiosurgery/Proton Beam Therapy: Up to $10,000 per treatment course. |
| Cell/Tissue/Gene Therapy: Limits apply. | |
| Community Hospital Stays | Sub-acute care: Up to $430/day. |
| Rehabilitative care: Up to $350/day. | |
| Outpatient Treatments | Covers selected outpatient procedures and home-based medical care under specific limits. |
Log in to the CPF Portal:
- Visit the CPF website.
- Log in with your Singpass credentials.
Access Healthcare Coverage Information:
- Navigate to the “My Dashboard” section.
- Look for “Healthcare” or “MediShield Life” under your account details.
Check MediShield Life Status:
- Your MediShield Life status will be displayed, including active coverage, premium payment details, and any government subsidies applied.
- MediShield Life is insurance that reduces your out-of-pocket expenses for some healthcare bills.
- MediSave is a savings account meant to pay for both your insurance premiums and your remaining healthcare costs not fully covered by insurance.
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