MediShield Life Premiums and Subsidies

• Types of Premium Subsidies
     • Premium Subsidies for the lower- to middle-income 
     • Pioneer Generation Subsidies and MediSave top-ups
     • Merdeka Generation Subsidies and MediSave top-ups
     • COVID-19 Subsidies
     • Additional Premium Support
• How to Receive MediShield Life Premiums Subsidies
• Renewal of Your Policy

MediShield Life premiums are risk-pooled to support the payouts and benefits under MediShield Life. 
The Government provides significant support to keep premiums affordable for Singapore Citizens and Permanent Residents, including for those who need to pay Additional Premiums. 
You can pay your MediShield Life premiums from your MediSave.
The following subsidies are available to help those requiring more support.

• A permanent feature, available to lower- to middle-income families with household monthly income per person of $2,800 and below (applicable for renewals from 1 September 2019), and living in residences with an Annual Value of $21,000 and below.

• Those eligible can receive subsidies of up to 50% of their premiums. Permanent Residents will receive half the subsidy rate applicable to citizens. 

*For those living in residences with AV of $21,000 or less.
Those with an Annual Value between $21,001 to $25,000 will receive 10 percentage points less than these subsidy rates.
Those living in residences with an Annual Value of above $25,000 will not receive these subsidies.

• If you own more than one property, you do not qualify for this subsidy.
  

• Pioneers receive special Pioneer Generation Subsidies of between 40-60% depending on age. This is regardless of their household monthly income or the Annual Value of their home.

• Pioneers also receive $250 - $900 a year in MediSave top-ups (depending on year of birth) for life, which can be used to pay for their MediShield Life premiums.

• Older Pioneer Generation Seniors who have serious pre-existing conditions also receive additional MediSave top-ups of $50-$200 annually from 2021 to 2025, which can be used to pay for their MediShield Life premiums.

• Please click here for more info on the Pioneer Generation Package.

• From 1 July 2019, Merdeka Generation seniors receive additional Merdeka Generation Subsidies of 5% of their annual MediShield Life premiums, increasing to 10% after they turn 75 years old, regardless of their household monthly income or the Annual Value of their home. This is on top of the above Premium Subsidies that the seniors may receive.

• Merdeka Generation members will also receive $200 a year in MediSave top-ups for five years from 2019 to 2023. These top-ups can be used to pay for their MediShield Life premiums.

• Please click here for more info on the Merdeka Generation Package.

• COVID-19 Subsidies are provided to all Singapore Citizens for two years after the increase in MediShield Life premiums in 1 Mar 2021.

• It is applied on the net premium increase over MediShield Life premiums before 1 Mar 2021, after Premium Subsidies, Pioneer Generation Subsidies or Merdeka Generation Subsidies, where applicable. It covers 70% of the net premium increase in the first year, followed by 30% of the net premium increase in the second year.

No one should worry about losing their MediShield Life coverage because they are unable to afford the premiums. This subsidy is for families who need assistance with premiums even after the above subsidies and MediSave use.

Subsidies are automatically applied

The Government makes it easy for Singapore Citizens and Permanent Residents to receive Premium Subsidies.

Pioneer Generation Subsidies, Merdeka Generation Subsidies and COVID-19 Subsidies for Singaporeans will be extended automatically.

As subsidies are automatically applied based on the information we have about you and your household, be sure you regularly update your household information in the Household Check e-Service so that you will automatically receive MediShield Life Premium Subsidies to help with your MediShield Life premiums, if you are eligible.

Your subsidy is calculated as follows:

Information on your MediShield Life premium and applicable subsidies will be sent in writing to the payer of your premium about one month before your policy renewal date by the Central Provident Fund (CPF) Board or your Integrated Shield Plan (IP) insurer (if you are insured under an IP).