• CPF Medishield VS Medishield Life

    MediShield and MediShield Life are both basic insurance policies offered by the CPF Board that helps members meet their large hospitalization bills.

    MediShield was prevalent up to November 1, 2015 after which it was replaced by MediShield Life that provided enhanced cover to ALL Singapore Citizens and Permanent Residents.

    Table 1: Benefits and Claim Limits Offered under MediShield and MediShield Life

    BENEFITS CLAIM LIMITS UNDER MEDISHIELD CLAIM LIMITS UNDER MEDISHIELD LIFE
    Day or Inpatient Surgery
    Treatment and Daily Ward Charges in:
    • ICU Ward
    • Normal Ward
    • Community Hospital
    • Psychiatric
    • S$900 for each day.
    • S$450 for each day.
    • S$250 for each day.
    • S$100 for each day up to 35 days for a policy year.
    • S$1,200 for each day.
    • S$700 for each day.
    • S$350 for each day.
    • S$100 for each day.
    Implants S$7,000 for each treatment. S$7,000 for each treatment
    Radiosurgery S$4,800 for each procedure. S$4,800 for each procedure.
    Surgical Procedures Between S$150 and S$1,100 Between S$200 and S$2,000
    Outpatient Treatments
    Radiotherapy for treating Cancer
    • Superficial/External – S$80 for each treatment day.
    • Brachytherapy with/without external – S$160 for each treatment day.
    • Superficial/External – S$140 for each session.
    • Brachytherapy – S$500 for each session.
    Stereotactic Radiotherapy for treating Cancer S$1,800 for each treatment. NA
    Chemotherapy for treating Cancer
    • For each treatment cycle of 7 days – S$270.
    • For each treatment cycle of 21 or 28 days – S$1,240.
    S$3,000 for each month.
    Kidney Dialysis S$1,000 for each month. S$1,000 for each month.
    Erythropoietin treatment for Chronic Kidney Failure S$200 for each month. S$200 for each month.
    Immunosuppressant in case of Organ Transplant S$200 for each month. S$200 for each month.
    Max. Claim Limit
    Each Policy Year S$70,000 S$100,000
    For a Lifetime S$300,000 No Limit
    Maximum Age Cover 92 years No max. age
    Deductibles to be paid by the insured
    80 years and below
    • Day Surgery or Class C ward – S$1,500.
    • Class B2 ward – S$2,000.
    • Day Surgery or Class C ward – S$1,500.
    • Class B2 ward – S$2,000.
    81 years and above
    • Day Surgery or Class B2 ward – S$3,000.
    • Class C ward – S$2,000.
    • Day Surgery or Class B2 ward – S$3,000.
    • Class C ward – S$2,000.
    Co-Insurance to be paid by the insured
    S$0 and up to S$3,000 20% 10%
    S$3,001 and up to S$5,000 50% 10%
    S$5,001 and up to S$10,000 10% 5%
    Above S$10,000 10% 3%
    All outpatient treatments 20% 10%

    Benefits of MediShield Life after replacing MediShield

    After MediShield Life replaced MediShield in November 2015, the cover was enhanced to provide the following benefits to members:

    • Higher payouts and enhanced protection. This way you have to pay lesser cash or use your Medisave savings when paying for large hospital bills.
    • Provides protection to ALL Singapore Citizens and Singapore Permanent Residents, members with pre-existing conditions and even old members.
    • The insurance cover provided under this scheme extends to ALL wards in public as well as private hospitals. The benefits under the scheme will be pegged against Class B2 and C ward costs in public hospitals.
    • Provides lifelong protection.

    If you want to get an estimate of how much premium you need to pay for your MediShield Life cover after subsidies, you can try the “MediShield Life Premium Calculator”.

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