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Your CPF helps you pay for your medical expenses and health insurance premiums.
These three national schemes offer you protection for your healthcare needs.
MediSave helps to pay the healthcare needs for you and your loved ones.
MediShield Life protects you against large medical bills, regardless of your age or health condition.
CareShield Life provides you monthly cash payouts in the event of severe disability.
CPF healthcare schemes help you pay for a range of outpatient treatments.
MediSave covers a broad range of outpatient treatments through schemes such as MediSave500/700 and Flexi-MediSave.
Treatments covered include:
MediShield Life covers the cost of more expensive, recurring outpatient treatments.
CPF healthcare schemes help you pay for hospitalisation and day surgery expenses.
MediSave can be used to cover part of your hospitalisation and day surgery expenses.
Expenses covered include:
MediShield Life covers large medical bills so that you pay less from your MediSave or in cash.
Find out how these CPF schemes can help you finance your long-term care needs.
CareShield Life is a long-term care insurance. You can benefit from monthly cash payouts as long as you are unable to do 3 or more Activities of Daily Living (ADLs).
If you are covered under ElderShield, you can benefit from monthly cash payouts of up to $400, for up to six years in the event of severe disability.
If you’re aged 30 and above with severe disability and require long-term care, you can withdraw up to $200 per month from your own, or your spouse’s MediSave.
You can use your MediSave to cover part of your palliative care and rehabilitation treatments expenses.
MediShield Life is a health insurance that can help you with large palliative care and rehabilitation treatment bills.
Supplementary coverage is optional and comes at an additional cost. Do consider the long-term affordability of the premiums before your purchase.
Two-thirds of patients opt for Class B2 and C wards in public hospitals and are adequately covered with MediShield Life. Thus, you may not need to buy a supplement.
If you need to stay in a private class ward or choose your doctors, and you’re able to afford higher premiums, you may choose a supplementary plan that meets your needs.
If you need supplementary coverage and you're able to afford the additional premiums, you may consider purchasing a ElderShield/CareShield Life supplement from selected private insurers.
Learn how much you need to pay in cash for each hospitalisation.
Choose the plan that best meets your needs and fits your budget.
Estimate how much you can withdraw from MediSave and/or claim from MediShield Life.
No matter what your level is in the game of life, this handy guide can help you prepare for the healthcare checkpoints along the way.
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