MediShield Life is a significant upgrade of the current MediShield to help address the basic healthcare needs of Singapore.

Beginning in end 2015, all Singapore citizens and permanent residents will be included in the new compulsory scheme, regardless of age and health. In addition, all pre-existing conditions will be covered.

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Source: Ministry of Health (MOH)

MediShield Life offers better protection by increasing its claimable benefits and lowering the co-insurance (the portion you need to bear). Besides higher inpatient benefits, outpatient benefits such as chemotherapy for cancer will also be increased. Essentially, a larger portion of the hospital bill is now claimable, resulting in smaller out-of-pocket expenses.

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Source: Ministry of Health (MOH)

1 The amount the insured must first pay before the insurance policy starts paying out any claim. If the claimable amount is less than the deductible, no claim will be payable. The deductible applies on a policy year, which means a number of smaller bills can be added up within the policy year to meet the deductible.
2 The portion of the claimable amount that the insured needs to bear after setting aside the deductible.

In summary, MediShield Life:

  • Offers higher benefits
  • Covers pre-existing conditions
  • Is for all people and for life
  • Is compulsory, no opt-out
  • Is suited for B2/C class wards
  • Starts in 2015

Read more on our series of Understanding MediShield Life & What Should You Do: