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1. Can I help my family members pay for their MediShield Life premiums?
Spouse, parent, child, sibling or grandchild who have sufficient MediSave balance may help their insured family members pay their MediShield Life premiums.
Other family members like uncle, aunt, in-laws may only help pay the premiums for the insured, if the insured‘s spouse, parent, child, sibling or grandchild does not have sufficient MediSave funds to pay for the insured’s MediShield Life premiums.
You can help your family members pay their premiums using your MediSave by submitting a Change of Payer Request (or access the form via medishieldlife.sg/eservices).
2. How was I identified to pay my family member's MediShield Life premiums? On what authority does the Board automatically deduct my MediSave to pay for my family member’s MediShield Life premiums? Can I stop this payment arrangement?
You have been identified as the premium payer as you are the insured’s family member and have previously used your MediSave to pay the insured’s medical expenses or other health insurance premiums.
The Government has put in place this option to encourage family responsibility by notifying family members that they can use their MediSave to help a family member who has insufficient MediSave to pay MediShield Life premium. The intent was to make it convenient for the majority of members who wish to help their family members pay the premiums.
This process to facilitate the payment of an insured family member’s MediShield Life premium is authorised under regulation 10(7)(b) of the MediShield Life Regulations 2015.
Family members identified as potential payers have about one month to consider whether to proceed with this payment arrangement, before premium deduction takes place. To date, majority of family members approached have continued 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 stop premium payment.
You may stop this payment arrangement by completing the “Stop Premium Payment for Dependant(s)’ MediShield Life Cover” form (or access the form via medishieldlife.sg/eservices) or call us at 1800-222-3399. Once you have indicated your intent, future MediShield Life premiums for the insured family member 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 (or access the form via medishieldlife.sg/eservices).
3. Can I stop paying premiums for my child?
If your child is below 21 years old, you are legally responsible for your child’s premium payment. You may change payer to your child, if he or she has sufficient balance in his/her MediSave Account e.g. if your child is a Singaporean who has received MediSave Grant for Newborns or if your child has working contributions.
Otherwise, Section 4(1) of MediShield Life Act requires parents to pay their child’s premiums until their child is 21 years old. If you have valid reasons to stop paying premiums for your child, for example you have been discharged from liability to maintain the child after divorce, please write to us and attach the relevant court documents to support your case.