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Ministry of Health

MediShield Life

MediShield Life is a basic health insurance scheme that protects all Singapore Citizens and Permanent Residents against large medical bills, regardless of age or health conditions.

Last updated 20 February 2025

What is MediShield Life?

MediShield Life is a basic health insurance plan, administered by the Central Provident Fund (CPF) Board, which helps to pay for large hospital bills and selected costly outpatient treatments, such as dialysis and chemotherapy for cancer. With MediShield Life, patients pay less through MediSave/cash for large hospital bills.

What are the benefits?

MediShield Life benefits are sized for subsidised treatment in public hospitals (e.g. treatments in Class B2/C wards). If you choose to stay in a Class A/B1 ward or in a private hospital, you are still covered by MediShield Life. However, you will find that your MediShield Life payout will cover a smaller proportion of your bill. You may need to draw from MediSave and/or cash to pay the balance.

Find out more about MediShield Life benefits.

Who is eligible?

All Singapore Citizens and Permanent Residents, including the very old and those who have pre-existing conditions.

Find out more about MediShield Life benefits.

How do I use it?

Find out how to make a MediShield Life Claim.

How do I pay for my MediShield Life premiums?

MediShield Life premiums are deducted automatically from your MediSave Account for your convenience. If you do not have sufficient MediSave to pay for your premiums, you can top up your MediSave account via voluntary contributions with cash, subject to the relevant limits. Family members such as your parents or spouse can also help to pay for your premiums using their MediSave.

For more questions, check out our FAQs at AskMOH.