MediShield Life is a basic health insurance scheme with benefits designed to cover subsidised bills, i.e. hospitalisations in Class B2/C wards, and subsidised outpatient treatments and day surgeries in public healthcare institutions. Hence, non-subsidised bills are pro-rated before the claims under MediShield Life are computed.
Similarly, Permanent Residents who receive less subsidies than Singapore Citizens at public hospitals 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.