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:
|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|
|Radiotherapy for treating Cancer||
|Stereotactic Radiotherapy for treating Cancer||S$1,800 for each treatment.||NA|
|Chemotherapy for treating Cancer||
||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||
|81 years and above||
|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%|
|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”.