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Updates on 20 Apr 2021

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Premiums

How your MediShield Life premiums are calculated

 

The premiums you pay depends on your age group. It’ll also include any rebates or subsidies you’re eligible for. If you’re covered under an Integrated Shield Plan (IP) which includes the MediShield Life component, your insurer will let you know what your IP premiums are.

 

Find out your premiums below or check what your premiums are at the ‘Coverage and premium details’ section on your Healthcare dashboard.

View premiums


Broad categories of serious pre-existing medical conditions subject to Additional Premiums

 

Broad categories

Indicative examples (not exhaustive)

Cancer

Lung cancer, colorectal cancer, breast cancer, stomach cancer

Blood disorders

Aplastic anaemia, thalassemia major

Degenerative diseases

Parkinson’s disease, muscular dystrophy, amyotrophic lateral sclerosis

Heart or other circulatory system diseases

Heart attack, coronary artery disease, chronic ischaemic heart disease

Cerebrovascular diseases

Stroke

Respiratory diseases

Chronic obstructive pulmonary disease

Liver diseases

Alcoholic liver disease, chronic hepatitis, fibrosis or cirrhosis of liver

Autoimmune/ Immune System diseases

Systemic lupus erythematosus, human immunodeficiency virus/ acquired immune deficiency syndrome

Renal diseases

Chronic renal disease, chronic renal failure, chronic nephritic syndrome

Serious congenital conditions

Congenital heart disease, congenital renal disease, biliary atresia

Psychiatric conditions

Schizophrenia

Chronic condition with serious complications

Hypertensive heart disease, hypertensive kidney disease, diabetes with kidney complications, diabetes with eye complications


Premium rebates for those born in or after 1950

 

Entry Age (as of next birthday) Premium rebate amount per annum, by age band ($)

66 - 70

71 - 73

74 - 75

76 - 78

79 - 80

81 - 83

84 - 85

86 - 90

30 and below

51

112

193

273

329

462

507

564

31 - 40

43

84

145

205

247

347

380

423

41 - 50

38

56

97

137

165

231

253

282

51 - 60

32

32

48

68

82

116

127

141

61 - 70

N.A.

13

35

53

67

75

81

95

Premium rebates for those born before 1950

 

Entry Age (as of next birthday)

Premium Rebate Amount per annum, by Age Band ($)

71 – 73

74 – 75

76 – 78

79 – 80

81 – 83

84 – 85

86 – 90

41 – 50

82

97

109

129

228

236

236

51 – 60

41

48

55

65

114

118

118

Note: The above figures in both tables are indicative. Premium rebates will be adjusted from time to time in line with the experience of the MediShield Life scheme.


Subsidies

Support for your premiums

The Government provides various subsidies to keep premiums affordable for Singapore Citizens and Permanent Residents.


Example 1: Insured A (Singaporean)

 

Age Next Birthday (ANB): 41

MediShield Life premium

Add: Additional Premium at 30% of MediShield Life premium

 

Premium before Subsidies

$525.00

$157.50

 

 

$682.50

Less: Premium Subsidies at 30.0%

LESS: Total Government Subsidies

-$204.75

-$204.75

Net Premium Payable with MediSave (Inclusive of GST)

$477.75

Example 2: Insured B (Merdeka Generation Senior)

 

Age Next Birthday (ANB): 70

MediShield Life premium

Less: Premium Rebate

 

Premium before Subsidies

$1,100.00

-$32.00

 

$1,068.00

Less: Premium Subsidies at 35.0%

Less: Merdeka Generation Subsidies at 5%

 

LESS: Total Government Subsidies

-$373.80

-$53.40

 

-$427.20

Net Premium Payable with MediSave (Inclusive of GST)

$640.80

Example 3: Insured C (Pioneer Generation Senior)

 

Age Next Birthday (ANB): 75

MediShield Life premium

 

Premium before Subsidies

$1,320.00

 

$1,320.00

Less: Pioneer Generation Subsidies at 49.00%

 

LESS: Total Government Subsidies

 

-$646.80

 

-$646.80

Net Premium Payable with MediSave (Inclusive of GST)

 

$673.20


Premium payment

Paying your premiums

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