Financing Approach 



An introduction to the healthcare system in Singapore. Find out more ...

Medisave, MediShield Life and Medifund


Medisave, introduced in April 1984, is a national medical savings scheme which helps individuals put aside part of their income into their Medisave Accounts to meet their future personal or immediate family's hospitalization, day surgery and certain outpatient expenses.

Find out more about Medisave.


MediShield Life

MediShield Life replaced MediShield from 1 Nov 2015. It is a basic health insurance plan which helps to pay for large hospital bills and selected costly outpatient treatments, such as dialysis and chemotherapy for cancer. It is basic because it is sized for subsidised treatment in public hospitals. MediShield Life will provide protection for all Singapore Citizens and Permanent Residents, for life, including for any serious pre-existing conditions.  

Find out more about MediShield Life



Medifund is an endowment fund set up by the Government to help needy Singaporeans. Medifund is a safety net for patients who face financial difficulties with their remaining bills after receiving Government subsidies and drawing on other means of payments including MediShield Life/Integrated Plans, Medisave and cash. Set up in April 1993 with an initial capital of $200 million, the Government will inject capital sum into the fund from time to time, e.g. when budget surpluses are available. The interest income generated from the capital sum is used to provide financial assistance for healthcare bills.

Find out more about Medifund


Other Subsidy Schemes


ElderShield, introduced in June 2002, is an affordable severe disability insurance scheme designed to help Singaporeans meet with expenses incurred in the event of severe disability. The premiums of ElderShield can also be paid with the funds from the individual's Medisave accounts.

Find out more about ElderShield


Interim Disability Assistance Programm for the Elderly (IDAPE)

The Interim Disability Assistance Program for the Elderly (IDAPE) scheme provides financial help to those who become disabled. IDAPE caters to Singapore citizens who are not eligible for ElderShield.

Find out more about IDAPE


Community Health Assist Scheme (CHAS)

The Community Health Assist Scheme is a scheme by the Ministry of Health (MOH) that enables Singapore Citizens from lower- and middle- income households to receive subsidies for medical and dental care at participating General Practitioner (GP) and dental clinics near their homes.

Find out more about CHAS


Drug Subsidies

Patients receive drug subsidies based on their paying status and the scheme under which the drug is covered (e.g. Standard Drug List, Medication Assistance Fund, inpatient drug subsidy, etc). Some drugs are subsidised only for specific clinical indications.

Find out more about Drug subsidies