MediShield Life is a basic health insurance scheme for Singaporeans and Permanent Residents, designed to cover subsidised bills, i.e. hospitalisations in Class B2/C wards, and outpatient treatments and day surgeries in public healthcare institutions.
Similarly, Permanent Residents will also have their bills pro-rated before claims under MediShield Life are computed. The applicable pro-ration factors are shown in the table below.
For admissions or treatments received before 1 April 2025, please refer to the applicable pro-ration factors.
A Deductible is the amount you would need to pay for claim(s) made in a policy year, before there is a payout from MediShield Life. You only need to pay the full Deductible once in a policy year.
However, the Deductible is waived if your claim is for outpatient treatments.
For admissions or treatments received before 1 April 2025, please refer to the applicable deductible.
1 For outpatient treatments received before 1 June 2026, the deductible will not be applicable.
Co-insurance is the amount you need to co-pay after meeting the Deductible.
1 Inclusive of deductible
Claimable amounts (before deductible and co-insurance) from previous claims within the same policy year are accumulated to offset against the deductible.
Total paid claims from previous claims within the same policy year.