MediShield Life

Introduction To MediShield Life

If you or your loved one are staying in hospital for a while, or need treatment for serious illnesses, you can use MediShield Life.

MediShield Life is medical insurance that provides life-time coverage for all Singaporeans. Unlike the previous scheme, MediShield, you cannot opt out of MediShield Life.

The premiums for MediShield Life can be paid using Medisave funds or cash. The Government has also provided subsidies for lower- and middle-income Singaporeans, as well as for Pioneer Generation members. There are also subsidies for the first four years of MediShield Life, as people move from MediShield to MediShield Life.

For full details on the MediaShield Life Benefits, visit this MOH webpage.

How To Qualify

Mandatory

MediShield Life is compulsory for all Singapore citizens and Permanent Residents. You must stay in a hospital for at least eight hours to make claims for the hospital bill, OR be admitted for day surgery.

How To Apply

You can tell hospital staff that you want to make a claim from MediShield Life. The hospital will then submit its claim to the Central Provident Fund Board. The CPF Board will settle the bill on your or your loved one’s behalf.

Integrated Shield Plan

If you or your loved one have an Integrated Shield Plan, your private insurer will process the claim and make the total payment on your behalf. This includes the MediShield Life portion of the payout. Medisave or cash can be used to pay the rest of the amount.

You can find out more about MediShield Life on the Ministry of Health's website.