The deductible is the fixed amount payable by the insured each policy year before any payout from MediShield Life. The deductible is payable only once every policy year. The deductible paid can be accumulated if there is more than 1 claim in the policy year. The deductible ranges from $1,500 to $4,500 of the claimable amount depending on age and ward class as shown in the table below.
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Table I: Deductible
(Based on Age Next Birthday at the start of the policy year)
(Applicable for admissions or treatments received on or after 1 April 2025)
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Ward class / treatment
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80 and below
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81 and above
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Class C
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$2,000
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$2,750
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Class B2/B2+/B1
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$2,500
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$3,500
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Class A (including private hospitals)
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$3,500
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$4,500
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Day surgery
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$1,500
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$2,000
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Outpatient treatments
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Not Applicable
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Community Hospital and Inpatient palliative care service (Subsidised – Class C/B2/B2+)
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$2,000
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$2,750
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Community Hospital and Inpatient palliative care service (Non-subsidised – Class B1/A)
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$2,500
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$3,500
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