CPFB | MediShield Life premiums and subsidies

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

Who has to pay for Additional Premiums

You are covered by MediShield Life even if you have a serious pre-existing medical condition. If your pre-existing condition is listed below, you will need to pay 30% Additional Premium for the first 10 years. Thereafter, you will pay the same standard premiums as others in your age group.

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

You’ll pay slightly higher premiums while you’re young and working so that the premiums increase less steeply as you get older. As you pre-pay more during your working ages, you’ll receive higher premium rebates when you’re older.

Keep in mind that the figures in the tables below are indicative. Premium rebates will be adjusted from time to time, in line with the experience of the MediShield Life scheme.

Premium rebates for those born in or after 1950

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

Premium Subsidies

Available to lower to middle income families with household monthly income per person of $2,800 and below and a premium subsidy of up to 50%.

If your household’s financial circumstances change, you can update them through the Household Check e-Service. Subsidies will be automatically applied.

More information (PDF, 0.05MB)

Pioneer Generation Subsidies

Pioneers receive subsidies of between 40-60%, along with $250 - $900 every year in MediSave top-ups, depending on their age. Pioneers who need to pay additional premiums because of pre-existing medical conditions will also receive an additional MediSave top-up of $50 to $200 a year until 2025.

More information (PDF, 0.04MB)

Merdeka Generation Subsidies

Merdeka Generation Seniors receive additional subsidies of 5%-10% depending on their age, along with $200 every year in MediSave top-ups until 2023.

More information (PDF, 0.04MB)

One-off COVID-19 Subsidies

COVID-19 Subsidies are automatically granted to all Singapore Citizens for two years (with policy commencement or renewal on and after 1 March 2021). The Government will subsidise 70% of the net increase in premiums (after taking into account existing premium subsidies) in the first year, followed by 30% in the second year.

Additional Premium Support

No one needs to worry about losing their MediShield Life coverage because they are unable to afford the premiums. Additional Premium Support helps families who still need assistance even after Government subsidies and MediSave use.

How your premiums are calculated

Take a look at some of the examples, if you would like to know how your premiums are calculated.

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

Note: COVID-19 Subsidies are not included in these examples.

Premium payment

Paying your premiums

Check outstanding premiums

See if you have any premiums left to pay

You can check if you owe outstanding MediShield Life premiums, along with interest and/or penalties (if any), by logging into “View my Outstanding MediShield Life Premiums”.

If everything’s paid, you won’t have this statement.

Check your amount due

Arrange premium payment

Top up MediSave Account

If you don’t have enough in your MediSave, you can top up the account with cash. You can check the status of your top-up via Transaction history statement under “Contributions / Government Cash Grant / Government Top-up".

Top up

Family support

Family members who have enough in their MediSave are encouraged to help others take over their premium payment if they can.

Change of payer

Stop premium payment

Family members can choose to stop a premium payment arrangement for their dependant(s) at any time.

Stop premium payment

Suspend premium payment

Overseas Singapore Citizens

If you’re a Singapore Citizen permanently located overseas, you can apply for suspension of your MediShield Life premium collection.

Premium Suspension

Premium Recovery

What happens if you don’t pay

If you have the means but choose not to pay your MediShield Life premiums, you may face enforcement actions.

More than 9 out of 10 pay on time

Most people pay their premiums at renewal yearly. Make sure you do the same to avoid interest and penalties.

Premium payment is important

Every insured needs to pay their fair share of premiums for MediShield Life Fund to be sustainable for claims payout. This keeps premiums affordable for all.

If you’re able to pay your premiums but choose not to, despite reminders, interest and penalties will be imposed.

Enforcement measures

Inland Revenue Authority of Singapore (IRAS) will take enforcement measures which may include:

Appointing agents (e.g. your employers, banks and tenants) to pay your outstanding premiums
Recovering from the CPF savings you withdraw in cash
Legal action to recover the outstanding premiums.

FAQs

Common questions

If there are insufficient funds in my MediSave Account, can I use my Ordinary Account/Special Account monies to pay for my MediShield Life premiums?

If I have renounced my Singapore Citizenship or Permanent Resident status, is CPF Board authorised to recover my outstanding premiums from my CPF savings?

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MediShield Life premiums and subsidies

How your MediShield Life premiums are calculated

Support for your premiums

Paying your premiums

Check outstanding premiums

Arrange premium payment

Suspend premium payment

What happens if you don’t pay

Common questions

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How your MediShield Life premiums are calculated

Support for your premiums

Paying your premiums

Check outstanding premiums

Arrange premium payment

Suspend premium payment

What happens if you don’t pay

Common questions