Pro-ration
Pro-ration of Class A/B1 and Private Hospital Bills
Bills for higher class wards (e.g. Class A, Class B1 and private hospitals) are pro-rated to their equivalent Class B2 bill size based on the pro-ration factors in the table below.
Pro-ration of Bills for Singapore Permanent Residents and Non-Singaporeans
For Singapore Permanent Residents (SPRs) and non-Singaporeans, the pro-ration factor due to citizenship status will be applied to the charges incurred by you before the MediShield Life claim is computed. This is to equalize the MediShield Life payout for Singaporeans and non-Singaporeans.
The percentage to be applied to your hospital bill is as such:
Deductible
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.
1 Community Hospital, Inpatient Palliative Care Service, Short Stay Wards and Continuation of Autologous Bone Marrow Transplant for Multiple Myeloma will follow the deductible for Class C for patients in subsidized wards, and the deductible for Class B2 and above for patients in non-subsidised wards.
1 Inclusive of deductible
Accumulated claimable amounts (before deductible and co-insurance) from previous hospitalisations
Claimable amounts (before deductible and co-insurance) from previous hospitalisations within the same policy year are accumulated to offset against the deductible.
Total paid from previous claims
Total paid claims from previous hospitalisations within the same policy year.