The following treatment items, procedures, conditions and activities are not covered by MediShield Life and cannot be claimed* (Applicable for admissions or treatments received on or after 1 March 2021):
Ambulance fees
Cosmetic surgery
Dental work (except due to accidental injuries)
Vaccination
Infertility, sub-fertility, assisted conception or any contraceptive operation, including their related complications
Sex change operations, including their related complications
Maternity charges (including Caesarean operations) or abortions, including their related complications, except treatments for serious complications related to pregnancy and childbirth
Treatment for injuries arising from the insured's criminal act
Treatment of injuries arising directly or indirectly from nuclear fallout, war and related risk
Treatment of injuries arising from direct participation in civil commotion, riot or strike
Expenses incurred after the 7th calendar day from being certified to be medically fit for discharge from inpatient treatment and assessed to have a feasible discharge option by a medical practitioner
Surgical interventions, including related complications, for the following rare congenital conditions which are severe and fatal by nature: Trisomy 13, Bilateral Renal Agenesis, Bart's Hydrops and Anecephaly
Optional items which are outside the scope of treatment
Overseas medical treatment
Private nursing charges
Purchase of kidney dialysis machines, iron-lung and other special appliances
Treatment which has received reimbursement from Workmen’s Compensation and other forms of insurance coverage
* Notwithstanding the exclusions above, treatment items, conditions and activities which are assessed by MOH to be inappropriate e.g. non-medically indicated treatments or unnecessary hospitalisation, would also not be eligible for MSHL coverage. For more information on MSHL claims assessment, please refer to this page.