CPFB | What MediShield Life covers you for

Healthcare financing

What MediShield Life covers you for

Find out the MediShield Life claim limits for different categories of benefits.

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Benefits

Claim limits

Find out the benefits of MediShield Life coverage.

Hospitalisation and day surgery

Limits for hospitalisation and day surgery

Applicable for admissions or treatments received on or after 1 April 2025

Inpatient/day surgery	Claim limits
Daily Ward and Treatment Charges¹
- Normal ward²	$830 per day*
- Intensive care unit ward	$5,140 per day*
* An additional claim limit of $800 per day applies for the first two inpatient² days
- Psychiatric (up to 60 days per policy year)	$230 per day
- Community hospital (Rehabilitative)³	$370 per day
- Community hospital (Sub-acute)³	$570 per day
- Inpatient palliative care service (general)	$460 per day
- Inpatient palliative care service (specialised)	$500 per day
Surgical procedures	A	B	C
- Table 1 A/B/C (less complex procedures)	$240	$420	$490
- Table 2 A/B/C	$760	$1,120	$1,120
- Table 3 A/B/C	$1,390	$1,740	$1,920
- Table 4 A/B/C	$2,310	$2,370	$2,460
- Table 5 A/B/C	$2,700	$3,270	$3,270
- Table 6 A/B/C	$3,540	$3,540	$3,540
- Table 7 A/B/C	$3,900	$3,900	$3,900
Implants	$7,000 per treatment
Radiosurgery, including Proton Beam Therapy – Category 4	$15,700 per treatment course
Continuation of autologous bone marrow transplant treatment for multiple myeloma	$6,000 per treatment

¹ Includes meal charges, prescriptions, professional charges, investigations and other miscellaneous charges

² Includes eligible Mobile Inpatient Care @ Home stays

³ Claimable only upon referral from a hospital after an inpatient admission or from a public hospital’s emergency department for further medical treatment.

Choose the ward type that best meets your budget

Learn how much you need to pay in cash for each hospitalisation

Find out more

Outpatient treatments

Claim limits for outpatient treatments.

Applicable for admissions or treatments received on or after 1 October 2025

Outpatient treatment	Claim limits
Patients receiving treatment for one primary cancer
- Cancer drug treatment¹	$200 - $9,600 per month, depending on cancer drug treatment¹
- Cancer drug services	$3,600 per calendar year
Patients receiving treatment for multiple primary cancers²
- Cancer drug treatment¹	Sum of the highest cancer drug treatment limit amongst the claimable treatments received for each primary cancer per month
- Cancer drug services	$7,200 per calendar year
Radiotherapy for cancer
- External (except Hemi-body)	$400 per treatment
- Brachytherapy	$620 per treatment
- Hemi-body	$620 per treatment
- Stereotactic	$460 per treatment
- Proton Beam Therapy - Category 1	$400 per treatment
- Proton Beam Therapy - Category 2	$620 per treatment
- Proton Beam Therapy - Category 3	$460 per treatment
Kidney Dialysis	$1,750 per month
Immunosuppressants for organ transplant	$710 per month
Erythropoietin for chronic kidney failure	$220 per month
Long-term parenteral nutrition³	$2,200 per month
Outpatient parenteral antibiotic therapy	$90 per day
Home ventilation and respiratory support service	$840 per month
Paediatric home care	$420 per month
Negative pressure wound therapy	$120 per day
Repetitive transcranial magnetic stimulation⁴	$120 per treatment
Pasteurised donated human milk	$85 per day
Hyperbaric oxygen therapy³	$780 per treatment

¹Refer to the Cancer Drug List on the MOH website for the applicable claim limit.

²Defined as two or more cancers arising from different sites and/or are of a different histology or morphology group. The claim limits for patients receiving treatment for multiple primary cancers are accorded on an application basis; doctors are to send the application form to MOH for assessment.

³Refer to the MOH website for the clinical criteria for long term parenteral nutrition and hyperbaric oxygen therapy.

⁴Patients are entitled to one initial repetitive transcranial magnetic stimulation (rTMS) course (up to 24 treatments) and one retreatment course (up to 15 treatments). The retreatment course must start a minimum of 120 days after the initial course is completed. For further information, please refer to guidance recommendation published by Ministry of Health’s Medical Technology Advisory Committee (MTAC).

High-cost treatments

(These treatments are claimable across settings.)

Claim limits for high-cost treatments.

Applicable for admissions or treatments received on or after 1 October 2025

Outpatient treatment	Claim limits
Cell, tissue and gene therapy products¹
- Kymriah (Tisagenlecleucel)	$141,000 per treatment²
- Yescarta (Axicabtagene ciloleucel)	$141,000 per treatment²
High-cost drug treatments for blood conditions and childhood onset conditions³
- Drug treatment and prophylaxis for haemophilia A	$1,400 per month
- Drug treatment and prophylaxis for haemophilia B	$4,800 per month
- Drug treatment for immune thrombocytopenia and refractory severe aplastic anaemia	$1,800 per month
- Drug treatment of thalassaemia	$800 per month
- Drug treatment of children with short stature due to conditions associated with growth failure	$800 per month
- Drug treatment for spinal muscular atrophy	$7,400 per month
- Drug treatment for fabry disease	$4,400 per month
- Drug treatment for x-linked hypophosphataemia	$6,800 per month

¹ Refer to Cell, tissue and gene therapy products list on the MOH website for the clinical criteria and applicable claim limit.

² Payout for Cell, tissue and gene therapy products will not be subject to the policy year limit.

³ Refer to the High-cost drug list on the MOH website for the clinical criteria and the claimable drugs/brands.

Maximum claim limits

The maximum claim limit per policy year is set at $200,000 with no lifetime limit on the amount you can claim from MediShield Life.

Maximum claim limits

Maximum claim limits	Claim limits
Per policy year	$200,000
Per lifetime	No limit

Exclusions

Excluded treatments and procedures

There are a number of standard exclusions which are not covered by MediShield Life.

Standard exclusions

These treatment items, procedures, conditions, activities are not covered by MediShield Life and cannot be claimed (Applicable for admissions or treatments received on or after 1 March 2021):

Ambulance fees
Cosmetic surgery
Dental work (except due to accidental injuries)
Vaccination
Infertility, sub-fertility, assisted conception or any contraceptive operation, including their related complications
Sex change operations, including their related complications
Maternity charges (including caesarean operations) or abortions, including their related complications, except treatments for serious complications related to pregnancy and childbirth
Treatment of injuries arising from the insured's criminal act
Treatment of injuries arising directly or indirectly from nuclear fallout, war and related risk
Treatment of injuries arising from direct participation in civil commotion, riot or strike
Expenses incurred after the 7th calendar day from being certified to be medically fit for discharge from inpatient treatment and assessed to have a feasible discharge option by a medical practitioner
Surgical interventions, including related complications, for the following rare congenital conditions which are severe and fatal by nature: trisomy 13, bilateral renal agenesis, Bart's hydrops and anencephaly
Optional items which are outside the scope of medical treatment
Overseas medical treatment
Private nursing charges
Purchase of kidney dialysis machines, iron-lung and other special appliances
Treatment which has received reimbursement from Workmen’s Compensation and other forms of insurance coverage.

Understand MediShield Life payouts

MediShield Life benefits are designed to cover subsidised bills incurred by you in Class B2/C wards and subsidised outpatient treatments/day surgery at public hospitals. For a full list of hospitals participating in the MediShield Life scheme, please click on the link below.

Bills for other wards, private hospitals, and non-subsidised treatments, as well as bills incurred by Permanent Residents will be pro-rated before the claims under MediShield Life are computed.

Here’s a breakdown of the three key components in your bill that affects your MediShield Life payout amount.

Medical institutions (PDF, 0.4MB)

Claim limit

Your claim limit depends on the type of treatment you receive and the length of your hospital stay.

You’ll have to pay the portion of bill above your claim limits.

The deductible

This is the fixed amount you have to pay, before your MediShield Life payout start.

The deductible is payable only once every policy year.

Co-insurance

After paying your deductible, you’ll also need to pay a percentage of your claimable amount.

The co-insurance ranges from 10% to 3%, decreasing as your claimable amount increases.

The portion of your bill covered by MediShield Life

Your MediShield Life plan will pay for the portion of your bill (within your claim limits), minus the deductible and co-insurance.

Applications

Learn how to authorise the use of your MediShield Life or get reimbursed

Using MediShield Life to pay for your medical fees

Firstly, inform the medical institution that you want to claim from MediShield Life. Then follow the required process.

How to apply

Getting reimbursed for your medical expenses

Have you already claimed and are looking to be reimbursed?

Learn more

FAQs

Common questions

I intend to visit a clinic/hospital. How do I know if I can use MediShield Life coverage in that clinic/hospital?

What are the hospitalisation and outpatient treatment benefits under MediShield Life?

What is the MediShield Life 2024 Review about?

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