PREMIUM PAYMENT MATTERS

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1. How can I make a top up to my MediSave Account for payment of MediShield Life premiums?

You may top up your or the premium payer’s MediSave Account using cash via the following modes to pay current or outstanding MediShield Life premiums. The below modes are applicable to Singapore Citizens and Singapore Permanent Residents.

  1. Visit E-Cashier and select “Contribute to My MediSave”
  2. AXS stations
  • Step 1: Select Government > CPF > Member/Self-Employed Services > As Member (Voluntary) | As Self-Employed
  • Step 2: Select ‘As Self-Employed’ if you are self-employed, otherwise select ‘As Member (Voluntary)'

For further assistance, please contact us at 1800 222 3399 or email us here


2. I made a top up to my MediSave Account for payment of MediShield Life Premium. Has the top up been credited?

You may view your MediSave contributions through your online CPF Statement of Account (SOA) here. The top-up is reflected as 'CON' in your online SOA. 


3. Can I help my family members pay for their MediShield Life premiums?

Such a default arrangement is enabled by legislation through the open parliamentary process in 2015 when MediShield Life Scheme was implemented. The intent was not to inconvenience the majority of members who wish to help their family members pay the premiums.

Potential payers have about a month to consider whether to proceed with this payment arrangement, before premium deduction takes place. To date, more than 90% of family members approached have continue with this arrangement. By enabling this arrangement, it is more convenient for the vast majority and yet allow for the small number of individuals who disagree to opt out.

If you would like to opt out of this payment arrangement, you may do so anytime by completing the “Stop Premium Payment for Dependant(s)’ MediShield Life Cover” form available here. If you have indicated your intent before premium deduction has been made from your MediSave account, no deduction for the insured(s) will be made from your MediSave Account. If deduction has been made from your MediSave and you decide to opt-out, future years’ premiums will not be deducted from your MediSave account. Should you subsequently change your mind and wish to take over paying the insured’s premiums after all, you will need to submit a "Change of Payer for MediShield Life Cover" application here.


4. When will premium deduction take place? How will I be notified of the premium deduction?

If the insured(s) have incurred outstanding MediShield Life premiums, deduction from your MediSave account Account will take place once the Change of Payer request has been approved.

After the deduction has taken place, the deduction details can be viewed through online CPF Statement of Account (SOA) here. Please select “Transaction History” under Section B. The deduction(s) are denoted as ‘MSL’ in the online SOA.

For subsequent policy renewals, you will receive premium notifications about 1 month before policy renewal. Alternatively, you may refer to the MediShield Life Premium Checker e-Service for details of the insured’s premiums and subsidies.


5. I have renounced my citizenship or residing overseas with no local bank accounts, how do I make payment for my MediShield Life premiums?

You may top up your or your premium payer’s MediSave Account via the following modes:

  1. Submit a cheque or cashier's order made payable to “CPF Board”, indicating your contact details, the insured’s NRIC and “Top Up to MediSave Account” at the back of the cheque.
  2. Email us here to request for the form “Top Up to MediSave Account” and make payment at any Singapore Post Office.
  3. If you are overseas, pay via Telegraphic Transfer (TT) and indicate the insured’s name and his/her CPF Account Number/ NRIC as payment details to the bank. Our bank details are as follows:

Oversea-Chinese Banking Corporation Limited
OCBC Centre
65 Chulia Street
Singapore 049513
SWIFT CODE: OCBCSGSG
Bank Code: 7339
Bank Account No: 501-600001-001
Beneficiary Name: Central Provident Fund Board
Beneficiary Account No: 7339-501-600001-001

Please indicate the bank charges in the remittance amount in your TT application and indicate that all local and overseas bank charges would be borne by you, the applicant. If this is not indicated, the bank will deduct the charges from the remittance amount, which will result in insufficient funds to pay the insured’s premiums in full. Please email the payment date and the amount paid to us here after you have made the transfer.


6. If there are insufficient funds in my MediSave Account, can I use my Ordinary Account/Special Account monies to pay for my MediShield Life premiums?

The savings in a member's various CPF accounts are for specific uses. Savings in the Ordinary Account and Special Account are primarily for housing and retirement while the savings in the MediSave Account are for payment of MediShield Life premium and hospitalisation expenses.

Generally, funds in the accounts are not inter-transferable. Therefore, the funds in your Ordinary Account/Special Account is unable to be used for payment of MediShield Life premiums.


7. How often do I have to pay MediShield Life premiums?

An insured's MediShield Life premiums will be collected annually from his/her premium payer's MediSave Account. The premium payer will be notified on the insured's net premium payable and applicable subsidies via the Premium Notice Letter that will be sent 2 months before the renewal of the insured's MediShield Life cover.


8. What if I am unable to pay for my MediShield Life premiums?

There are various Government subsidies available to help Singaporeans with their MediShield Life premiums. In addition, there is Additional Premium Support (APS) to help those who are unable to afford their MediShield Life premiums even after Government subsidies and if they have limited family support.

The Government will send them application forms to apply for APS, and reach out to them to help them with the process if they are unable to make the applications by themselves.


9. Can I opt out from MediShield Life?

Universal lifelong coverage under MediShield Life ensures that all Singapore Citizens (SCs) and Permanent Residents (PRs) will have assurance against large healthcare bills. This is in line with our move to a more inclusive society with stronger collective responsibility. MediShield Life is thus mandatory for all SCs and PRs. This enables all SCs and PRs to share in our national risk pool and play our part in supporting our healthcare costs.


10. How do I unblock my Internet browser’s pop-up blocker?

Pop-up Blocker is turned on in Internet Explorer by default. To change the pop-up window settings, open Internet Explorer and click on "Tools" menu. Next, point to "Pop-up Blocker" and click on "Turn Off Pop-up Blocker" to turn off pop-up blocker.

If the instructions for your internet browser are not shown below, please consult your browser's Help system for instructions on how to de-activate the Pop-up blocker.

Internet Explorer:

  1. Open Internet Explorer and click on the Tools button.
  2. Click on "Internet options".
  3. Click Turn Off Pop-up Blocker to disable the functionality.
  4. If you want to choose which websites to allow and still keep the blocker functionality, click "Pop-up Blocker Settings" instead. Write down a list of websites you don't want Internet Explorer to automatically block.

Firefox:

  1. Open the Firefox menu after opening the browser.
  2. Select "Preferences".
  3. Navigate to the Content tab.
  4. On the first option, uncheck the "Block pop-up windows" box. This will disable the popup blocker function.
  5. If you want to choose which websites to allow and still keep the blocker functionality, to the right, choose "exceptions" instead. Write down a list of websites you don't want Firefox to automatically block.

Goggle Chrome:

  1. Access the Google Chrome menu on the toolbar. The menu on the toolbar is at the top right of your browser.
  2. Choose "Settings".
  3. Find "Show advanced settings" at the bottom of the page and click it.
  4. Under "Privacy," click on "Content settings".
  5. In the "Pop-ups" section, choose "Allow all sites to show pop-ups".
  6. If you want to choose which websites to allow and still keep the blocker functionality, under the Pop-ups section, choose "Manage exceptions" instead. Write down a list of websites you don't want Chrome to automatically block.

Safari:

  1. Open a Safari browser and click on the Safari drop-down menu in the menu bar (the image shows a gear icon, but that was for older versions of Safari).
  2. From the dropdown menu, select "Preferences".
  3. Once in Preferences, go to the Security tab.
  4. Uncheck the option "Block pop-up windows" to disable the functionality.