MediShield Life is a basic health insurance plan that protects all Singapore Citizens and Permanent Residents against large hospital bills for life, regardless of age or health condition.

Who is covered

MediShield Life, administered by the Central Provident Fund, offers protection for life for all Singapore Citizens and Permanent Residents, including the very old and those who have pre-existing conditions.

How much of your bill is covered

MediShield Life payouts are pegged at B2/C-type wards in public hospitals and will cover a certain portion of your bill. If you choose to stay in a A/B1-type ward or in a private hospital, your MediShield Life payout will cover only a small proportion of the bill and you will need to top up the rest from your MediSave account or in cash.

Paying your premiums

Your MediShield Life premiums are paid conveniently from your MediSave account.

Inability to pay your premiums

You will always be covered by MediShield Life. The Government provides significant support to keep premiums affordable, including:

  • Premium Subsidies for those on lower-to-middle income
  • Pioneer Generation Subsidies for Pioneers
  • Merdeka Generation Subsidies for Merdeka Generation seniors
  • Additional Premium Support for those who are unable to afford their premiums even after premium subsidies.

No one will lose MediShield Life coverage due to inability to afford premiums.