Skip Ribbon Commands
Skip to main content

 

 

MediShieldMediShield<p>MediShield has been replaced by MediShield Life from 1 Nov 2015, please refer to the <a href="/Members/Schemes/schemes/healthcare/medishield-life">MediShi​eld Life</a> webpage for details.</p>TrueTrueTrueDetails;#Resources;#Forms;#Others;#

 

 

Understand What is MediShield?<p>MediShield is a basic medical insurance scheme designed to help with large hospitalisation bills as well as certain outpatient treatments at approved medical institutions. It targets Class B2 and C wards and subsidised treatment in public hospitals.</p><p>MediShield covers CPF members and their immediate family members (i.e. spouse, parents, children or grandparents). Members and their family members are covered individually under the scheme.​</p><p>From 1 November 2015, MediShield will be replaced by MediShield Life. The new MediShield Life will: </p><ul><li style="margin-bottom:5pt;"> <strong>Offer better protection and higher payouts</strong>, so that patients pay less Medisave/cash for large bills, </li><li style="margin-bottom:5pt;"> <strong>Cover all Singapore Citizens and Permanent Residents</strong>, including the very elderly and those who have pre-existing illnesses, </li><li style="margin-bottom:5pt;"> <strong>Offer protection for life</strong>.​</li></ul><p>You can read more at <a href="http://www.medishieldlife.sg/" target="_blank"> <span style="text-decoration:underline;"> <font color="#0066cc">www.medishieldlife.sg</font></span></a>.</p>MediShield16671667
UnderstandWhat are the benefits under MediShield?<p>MediShield covers hospitalisation expenses and certain approved outpatient treatments, such as kidney dialysis, chemotherapy and radiotherapy for cancer treatment.</p><p>You can read more on the <a href="/Members/FAQ/schemes/healthcare/medishield#faq16221" target="_blank">MediShield benefits and claim limits</a> and the <a href="/Assets/members/Documents/MSH_MedicalInstitutions.pdf" target="_blank">medical inst​itutions participating in MediShield</a>.</p>MediShield16781678
Understand​How do I pay for the MediShield premiums?<p>You can use <a href="/Members/Schemes/schemes/healthcare/medisave"> <span style="text-decoration:underline;"> <font color="#0066cc">Medisave</font></span></a> to pay the MediShield premiums, up to the current Medisave withdrawal limits. The Medisave withdrawal limits are sufficient to fully cover the MediShield premiums for all ages. </p><table class="ms-rteTable-default" cellspacing="0" style="width:60%;"><tbody><tr bgcolor="#d2d2d2"><td width="150" align="left"> <b class="fontbold">Age of CPF Member at next birthday</b></td><td width="380" align="center" valign="top"> <b class="fontbold">Medisave Withdrawal Limits per policy, per year</b></td></tr><tr><td align="left">65 and below</td><td align="center">$800</td></tr><tr><td align="left">66 - 75</td><td align="center">$1,000</td></tr><tr><td align="left">76 - 80</td><td align="center">$1,200</td></tr><tr><td align="left">81 and above</td><td align="center"><p>$1,400</p></td></tr></tbody></table><p> You can also use your Medisave to pay the premiums for your dependants.</p><p>When MediShield Life is launched, the above Medisave Withdrawal Limits will be replaced by a new structure. Singaporeans will be able to pay for their MediShield Life premiums fully using Medisave, inclusive of any Additional Premiums and net of any subsidies. For those with Integrated Shield Plans (IPs), there will be the new Additional Withdrawal Limits (AWLs) to enable members to use Medisave, up to a cap, to pay the additional premiums for the private insurance component of IPs. The AWLs apply on top of the amount of Medisave used for MediShield Life premiums.</p><p><strong>For more information on AWLs, please visit <a href="https://www.moh.gov.sg/content/moh_web/medishield-life/integrated-shield-plans/ip-announcements.html" target="_blank">here</a>.</strong></p>MediShield16761676
UnderstandHow do I claim from MediShield?<p>You can claim from MediShield through the hospital by informing them that you are insured under this scheme and wish to make a claim. The hospital will submit your claim to us.</p><p>After determining the amount payable from MediShield, we will make payment directly to the hospital. You only need to cover the remaining amount, which can be covered by Medisave or cash.​</p><p>You can view the details of your Medisave withdrawals and MediShield claims for the past 15 months via our website under "<em>my cpf</em> Online Services".</p><p>You can read more from <a href="/Members/FAQ/schemes/healthcare/medishield#faq16193" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">Online Medisave and MediShield Claim Statements</font></span></a>.</p>MediShield16771677
UnderstandHow much can I claim from MediShield?<p>You will have to cover the deductible and co-insurance portions of your bill, which can be paid for using Medisave or cash. MediShield comes in to cover the remaining amount, subject to prevailing claim limits.​</p><p>You can find out more about <a href="/Members/FAQ/schemes/healthcare/medishield#faq16221" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">deductible, co-insurance, and see examples of MediShield claim computation</font></span></a>.</p><p>You can also use our <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MedisaveCalculator/Step1" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">Medisave / MediShield Calculator</font></span></a> to estimate how much you can claim.</p>MediShield16791679
UnderstandWhat are the exclusions under MediShield?<p>MediShield does not cover certain treatments such as cosmetic surgery, overseas medical treatment, delivery charges, etc.</p><p>You can refer to the <a href="/Members/FAQ/schemes/healthcare/medishield#faq16221" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">exclusions under the MediShield scheme</font></span></a> for more details.</p>MediShield16801680
EvaluateIs MediShield enough to pay for my medical expenses?<p>MediShield is designed to cover medical expenses (excluding the <a href="/Members/FAQ/schemes/healthcare/medishield#faq16221" target="_blank"> <span style="text-decoration:underline;"> <font color="#0066cc">deductible and co-insurance</font></span></a>) for stay in Class B2 / C wards at public hospitals. <span style="font-size:13px;">You will get the same level of benefits, pegged to the estimated B2/C class expenses, if you choose to stay in a B1/A class ward or in private hospitals.​</span></p><p>For the rest of your bill which is not covered by MediShield, you will need to pay with <a href="/Members/Schemes/schemes/healthcare/medisave"> <span style="text-decoration:underline;"> <font color="#0066cc">Medisave</font></span></a> and/or cash.</p><p>It is therefore important to choose a ward or medical service that you can afford. For a rough estimate on the medical charges, you can:</p><ul><li style="margin-bottom:5pt;">check the <a href="http://www.moh.gov.sg/content/moh_web/home/costs_and_financing/HospitalBillSize.html" target="_blank"> <span style="text-decoration:underline;"> <font color="#0066cc">hospital bill sizes by medical condition/procedure</font></span></a> at the Ministry of Health (MOH) website. </li><li style="margin-bottom:5pt;">use the <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MedisaveCalculator/Step1" target="_blank"> <span style="text-decoration:underline;"> <font color="#0066cc">Medisave / MediShield Calculator</font></span></a> to estimate how much you can claim.</li></ul>MediShield16811681
EvaluateWhat if I prefer to stay in Class A / B1 wards or private hospitals?<p>You can sign up for an Integrated Shield Plan (IP), managed by a private insurer, if you want additional coverage of bills in higher class wards or in private hospitals.</p><p>IPs comprise 2 parts: (i) MediShield and (ii) a top-up portion providing additional coverage for the additional expenses in private hospitals or Class A/B1 wards in public hospitals.​</p><p>However, IP premiums are higher than MediShield. So consider these questions if you are wondering if you should buy an IP or continue with it, if you already have one:</p><div><div><ul><li><p>Do you wish to stay in a private ward and to choose your own doctor? <br></p></li><li><p>​Can you afford your Integrated Shield Plan premiums in the long term?<br></p></li></ul></div></div><p>You can read more details on <a href="/Members/Schemes/schemes/healthcare/private-medical-insurance-scheme">Integrated Shield Plans</a>.</p>MediShield16821682
DecideHow do I select a suitable medical insurance plan?<p>The following flowchart gives you a rough guide on how to select a suitable medical insurance plan:</p><p><img src="/Assets/members/PublishingImages/Healthcare_MediShield_HowDoISelectSuitableMedicalInsurancePlan.jpg" alt="" style="margin:5px;" /> </p><p></p><p>It is advisable to have a basic medical coverage such as MediShield.</p><p>If you wish to stay in higher ward classes (i.e. A, B1 or private wards) and are able to afford the higher premiums, you can purchase an Integrated Shield Plan.​</p><p>At any time if you do not need the additional coverage or the affordability becomes an issue, you have the flexibility to downgrade to the next lower-level plan. Your MediShield cover will continue to run.​</p>MediShield16731673
ApplyHow can I apply for MediShield for myself or my dependants before MediShield Life is introduced?<p>From 1 November 2015, MediShield Life will replace MediShield to provide lifetime coverage for all Singaporeans. All Singapore Citizens and Permanent Residents will automatically be covered and there is no need to apply. This includes those currently covered by MediShield, IPs, and the uninsured. You will receive letters from the CPF Board or your private insurers on matters concerning MediShield Life and IPs.</p><p>CPF Board will not be accepting new applications for MediShield from now as there is a waiting period of up to 3 months during which no claims are payable under the current scheme. By then, MediShield Life cover would have started.</p>MediShield16841684

 

 

Understand What is MediShield?<p>MediShield is a basic medical insurance scheme designed to help with large hospitalisation bills as well as certain outpatient treatments at approved medical institutions. It targets Class B2 and C wards and subsidised treatment in public hospitals.</p><p>MediShield covers CPF members and their immediate family members (i.e. spouse, parents, children or grandparents). Members and their family members are covered individually under the scheme.​</p><p>From 1 November 2015, MediShield will be replaced by MediShield Life. The new MediShield Life will: </p><ul><li style="margin-bottom:5pt;"> <strong>Offer better protection and higher payouts</strong>, so that patients pay less Medisave/cash for large bills, </li><li style="margin-bottom:5pt;"> <strong>Cover all Singapore Citizens and Permanent Residents</strong>, including the very elderly and those who have pre-existing illnesses, </li><li style="margin-bottom:5pt;"> <strong>Offer protection for life</strong>.​</li></ul><p>You can read more at <a href="http://www.medishieldlife.sg/" target="_blank"> <span style="text-decoration:underline;"> <font color="#0066cc">www.medishieldlife.sg</font></span></a>.</p>MediShield16671667
UnderstandWhat are the benefits under MediShield?<p>MediShield covers hospitalisation expenses and certain approved outpatient treatments, such as kidney dialysis, chemotherapy and radiotherapy for cancer treatment.</p><p>You can read more on the <a href="/Members/FAQ/schemes/healthcare/medishield#faq16221" target="_blank">MediShield benefits and claim limits</a> and the <a href="/Assets/members/Documents/MSH_MedicalInstitutions.pdf" target="_blank">medical inst​itutions participating in MediShield</a>.</p>MediShield16781678
Understand​How do I pay for the MediShield premiums?<p>You can use <a href="/Members/Schemes/schemes/healthcare/medisave"> <span style="text-decoration:underline;"> <font color="#0066cc">Medisave</font></span></a> to pay the MediShield premiums, up to the current Medisave withdrawal limits. The Medisave withdrawal limits are sufficient to fully cover the MediShield premiums for all ages. </p><table class="ms-rteTable-default" cellspacing="0" style="width:60%;"><tbody><tr bgcolor="#d2d2d2"><td width="150" align="left"> <b class="fontbold">Age of CPF Member at next birthday</b></td><td width="380" align="center" valign="top"> <b class="fontbold">Medisave Withdrawal Limits per policy, per year</b></td></tr><tr><td align="left">65 and below</td><td align="center">$800</td></tr><tr><td align="left">66 - 75</td><td align="center">$1,000</td></tr><tr><td align="left">76 - 80</td><td align="center">$1,200</td></tr><tr><td align="left">81 and above</td><td align="center"><p>$1,400</p></td></tr></tbody></table><p> You can also use your Medisave to pay the premiums for your dependants.</p><p>When MediShield Life is launched, the above Medisave Withdrawal Limits will be replaced by a new structure. Singaporeans will be able to pay for their MediShield Life premiums fully using Medisave, inclusive of any Additional Premiums and net of any subsidies. For those with Integrated Shield Plans (IPs), there will be the new Additional Withdrawal Limits (AWLs) to enable members to use Medisave, up to a cap, to pay the additional premiums for the private insurance component of IPs. The AWLs apply on top of the amount of Medisave used for MediShield Life premiums.</p><p><strong>For more information on AWLs, please visit <a href="https://www.moh.gov.sg/content/moh_web/medishield-life/integrated-shield-plans/ip-announcements.html" target="_blank">here</a>.</strong></p>MediShield16761676
UnderstandHow do I claim from MediShield?<p>You can claim from MediShield through the hospital by informing them that you are insured under this scheme and wish to make a claim. The hospital will submit your claim to us.</p><p>After determining the amount payable from MediShield, we will make payment directly to the hospital. You only need to cover the remaining amount, which can be covered by Medisave or cash.​</p><p>You can view the details of your Medisave withdrawals and MediShield claims for the past 15 months via our website under "<em>my cpf</em> Online Services".</p><p>You can read more from <a href="/Members/FAQ/schemes/healthcare/medishield#faq16193" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">Online Medisave and MediShield Claim Statements</font></span></a>.</p>MediShield16771677
UnderstandHow much can I claim from MediShield?<p>You will have to cover the deductible and co-insurance portions of your bill, which can be paid for using Medisave or cash. MediShield comes in to cover the remaining amount, subject to prevailing claim limits.​</p><p>You can find out more about <a href="/Members/FAQ/schemes/healthcare/medishield#faq16221" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">deductible, co-insurance, and see examples of MediShield claim computation</font></span></a>.</p><p>You can also use our <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MedisaveCalculator/Step1" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">Medisave / MediShield Calculator</font></span></a> to estimate how much you can claim.</p>MediShield16791679
UnderstandWhat are the exclusions under MediShield?<p>MediShield does not cover certain treatments such as cosmetic surgery, overseas medical treatment, delivery charges, etc.</p><p>You can refer to the <a href="/Members/FAQ/schemes/healthcare/medishield#faq16221" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">exclusions under the MediShield scheme</font></span></a> for more details.</p>MediShield16801680
EvaluateIs MediShield enough to pay for my medical expenses?<p>MediShield is designed to cover medical expenses (excluding the <a href="/Members/FAQ/schemes/healthcare/medishield#faq16221" target="_blank"> <span style="text-decoration:underline;"> <font color="#0066cc">deductible and co-insurance</font></span></a>) for stay in Class B2 / C wards at public hospitals. <span style="font-size:13px;">You will get the same level of benefits, pegged to the estimated B2/C class expenses, if you choose to stay in a B1/A class ward or in private hospitals.​</span></p><p>For the rest of your bill which is not covered by MediShield, you will need to pay with <a href="/Members/Schemes/schemes/healthcare/medisave"> <span style="text-decoration:underline;"> <font color="#0066cc">Medisave</font></span></a> and/or cash.</p><p>It is therefore important to choose a ward or medical service that you can afford. For a rough estimate on the medical charges, you can:</p><ul><li style="margin-bottom:5pt;">check the <a href="http://www.moh.gov.sg/content/moh_web/home/costs_and_financing/HospitalBillSize.html" target="_blank"> <span style="text-decoration:underline;"> <font color="#0066cc">hospital bill sizes by medical condition/procedure</font></span></a> at the Ministry of Health (MOH) website. </li><li style="margin-bottom:5pt;">use the <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MedisaveCalculator/Step1" target="_blank"> <span style="text-decoration:underline;"> <font color="#0066cc">Medisave / MediShield Calculator</font></span></a> to estimate how much you can claim.</li></ul>MediShield16811681
EvaluateWhat if I prefer to stay in Class A / B1 wards or private hospitals?<p>You can sign up for an Integrated Shield Plan (IP), managed by a private insurer, if you want additional coverage of bills in higher class wards or in private hospitals.</p><p>IPs comprise 2 parts: (i) MediShield and (ii) a top-up portion providing additional coverage for the additional expenses in private hospitals or Class A/B1 wards in public hospitals.​</p><p>However, IP premiums are higher than MediShield. So consider these questions if you are wondering if you should buy an IP or continue with it, if you already have one:</p><div><div><ul><li><p>Do you wish to stay in a private ward and to choose your own doctor? <br></p></li><li><p>​Can you afford your Integrated Shield Plan premiums in the long term?<br></p></li></ul></div></div><p>You can read more details on <a href="/Members/Schemes/schemes/healthcare/private-medical-insurance-scheme">Integrated Shield Plans</a>.</p>MediShield16821682
DecideHow do I select a suitable medical insurance plan?<p>The following flowchart gives you a rough guide on how to select a suitable medical insurance plan:</p><p><img src="/Assets/members/PublishingImages/Healthcare_MediShield_HowDoISelectSuitableMedicalInsurancePlan.jpg" alt="" style="margin:5px;" /> </p><p></p><p>It is advisable to have a basic medical coverage such as MediShield.</p><p>If you wish to stay in higher ward classes (i.e. A, B1 or private wards) and are able to afford the higher premiums, you can purchase an Integrated Shield Plan.​</p><p>At any time if you do not need the additional coverage or the affordability becomes an issue, you have the flexibility to downgrade to the next lower-level plan. Your MediShield cover will continue to run.​</p>MediShield16731673
ApplyHow can I apply for MediShield for myself or my dependants before MediShield Life is introduced?<p>From 1 November 2015, MediShield Life will replace MediShield to provide lifetime coverage for all Singaporeans. All Singapore Citizens and Permanent Residents will automatically be covered and there is no need to apply. This includes those currently covered by MediShield, IPs, and the uninsured. You will receive letters from the CPF Board or your private insurers on matters concerning MediShield Life and IPs.</p><p>CPF Board will not be accepting new applications for MediShield from now as there is a waiting period of up to 3 months during which no claims are payable under the current scheme. By then, MediShield Life cover would have started.</p>MediShield16841684

 

 

Medisave / MediShield Life Claim Calculator Medisave / MediShield Life Claim Calculator <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MedisaveCalculator/Step1" target="_blank"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">home.asp</a>

 

 

 

 

 

 

Top up MediShield Premium (AXS)Top up MediShield Premium (AXS)<a href="/Assets/members/Documents/OnlineDemo/AXS_Medisave_TopUpMLP.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Top up MediShield Premium (AXS)</a>
Top up my own/my dependant's premium for MediShield cover (e-Cashier)Top up my own/my dependant's premium for MediShield cover (e-Cashier)<a href="/Assets/members/Documents/OnlineDemo/eCashier_TopUp_MSH.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Top up my own/my dependant's premium for MediShield cover (e-Cashier)</a>

 

 

 

 

 

 

 

 

Top Up Medisave To Pay MediShield Life Premium<a href="/Assets/members/Documents/FORM_MSL1.pdf" target="_blank" title="Top Up Medisave To Pay MediShield Life Premium"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Top Up Medisave To Pay MediShield Life Premium</a><a href="https://www.cpf.gov.sg/eSvc/Web/Miscellaneous/Cashier/ECashierHomepage" title="Top Up Medisave To Pay MediShield Life Premium"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Top Up Medisave to Pay MediShield Life Premium</a><p>​FORM MSL1</p>11
Change of Payer for MediShield Life Cover<a href="/Assets/members/Documents/FORM_MSL2.pdf" target="_blank" title="Change of Payer for MediShield Life Cover"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Change of Payer for Medishield Life Cover</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/ChangePayerOfMediShieldCoverToMyself/Information"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Change of Payer for Medishield Life Cover</a><p>​FORM MSL2</p>00
Stop Premium Payment for Dependant(s)' MediShield Life Cover<a href="/Assets/members/Documents/FORM_MSL3.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Stop Premium Payment for Dependant(s)' MediShield Life Cover</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/StopPremiumPayment/StopPremiumInformation"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Stop Premium Payment for Dependant(s)' MediShield Life Cover</a><p>​FORM MSL3</p>00
MediShield Claim Form for Cyclosporin/Tacrolimus<a href="/Assets/members/Documents/FORM_MSH11A.pdf" target="_blank" title="MediShield Claim Form for Cyclosporin/Tacrolimus"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">MediShield Claim Form for Cyclosporin/Tacrolimus</a><p>​FORM MSH/11A</p>00

 

 

GP0|#974262e4-5229-450b-9a2c-2d6c25cbe825;L0|#0974262e4-5229-450b-9a2c-2d6c25cbe825|Medisave;GTSet|#86bc1bef-95c5-4ce4-91b5-375cc0c5ca12;GPP|#e00f7b2c-9413-400a-b0cc-289db3a72e73;GPP|#286ba088-23db-40b8-bc8b-e3dbdc098d5f;GP0|#72437028-5500-4939-a0a2-78eeb9231823;L0|#072437028-5500-4939-a0a2-78eeb9231823|MediShield

 

 

Your session will be terminated soon. Click 'OK' to continue or 'Cancel' to Logout.