A Singapore Government Agency Website

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.

 

Non-subsidised bills will be pro-rated before the claims under MediShield Life are computed.

 

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.

Pro-ration factors for ward charges
​Ward class / Subsidy statusSingapore citizenPermanent resident​
Class C100%50%​
​Class B2
​100%​50%
Class B2+​100%​50%
Class B1​34%​29%
​Class A
27%25%
​Private Hospital
​16%​16%
​Community Hospital (Subsidised)​​100% ​​60% 
​Community Hospital (Non-subsidised)​45% ​37% 
​Inpatient Palliative Care Service (Subsidised)
​100%
​60%
​Inpatient Palliative Care Service (Non-subsidised)
45%​37%​
​Short Stay Ward (Subsidised)
​100%​50%
​Short Stay Ward (Non-subsidised)
​27%​25%
​Day Surgery (Subsidised)
100% ​​54%
Day Surgery (​Public Hospital Non-subsidised)
​33%​33%
​Day Surgery (​Private Hospital)
​21%​21%
Pro-ration factors for outpatient treatment charges
​Ward class / Subsidy statusSingapore citizenPermanent resident​
Outpatient treatment (excluding Kidney Dialysis and Erythropoietin for chronic kidney failure)
Outpatient Treatment (Subsidised)
​100%56%
Outpatient Treatment (Non-subsidised)35%​35%
Outpatient Treatment (Private)30%30%
Outpatient treatment (Kidney Dialysis and Erythropoietin for chronic kidney failure)
Outpatient Treatment (Subsidised)100%67%
Outpatient Treatment (Non-subsidised)100%56%
Outpatient Treatment (Voluntary Welfare Organisations)100%67%
Outpatient Treatment (Private)100%56%
Continuation of Autologous Bone Marrow Transplant for Multiple Myeloma (Subsidised)100%67%
Continuation of Autologous Bone Marrow Transplant for Multiple Myeloma (Non-subsidised)50%50%
Pro-ration factors for surgical charges
​Ward class / Subsidy statusSingapore citizenPermanent resident​
Class C100%60%
Class B2100%60%
Class B2+100%60%
Class B135%30%
Class A25%25%
Private Hospital10%10%
Day Surgery (Subsidised)100%58%
Day Surgery (​Public Hospital Non-subsidised)25%25%
Day Surgery (​Private Hospital)15%15%