If you have a Central Provident Fund (CPF) account and contribute to MediSave, you can use MediSave to pay part of the hospital bill for yourself or your family members, subject to withdrawal limit, type of services and other conditions illustrated by the Ministry of Health (MOH).
The withdrawal limits for inpatient services are:
- $450 per day for hospitalisation daily charges
- $300 per Day Surgery
- $250 to $7,550 for surgical procedure (depending on complexity)
There is a wide range of outpatient services approved for MediSave claims. For more details pertaining to the claim of your treatment, please approach us when your see our Specialists or Family Physicians.
MediShield Life is a basic health insurance plan administered by the CPF Board. It protects all Singapore Citizens and Permanent Residents against large hospital bills for life, regardless of age or health condition. Selected high cost outpatient treatment such as dialysis and chemotherapy for cancer are included.
MediShield Life is sized for subsidised treatments in public hospitals and is pegged at B2/C-type wards. If you choose to stay in an A/B1-type ward or in a private hospital, you are still covered by MediShield Life. However, you will find that your MediShield Life payout covers only a small proportion of your bill.
Your MediShield Life includes co-insurance and / or deductible. You would need to draw from MediSave and / or cash to pay the balance.
Co-insurance is a percentage of the claimable amount that you have to pay. Under MediShield Life, the co-insurance* rate ranges from 3 to 10 per cent.
Deductible is the fixed amount you have to pay before MediShield Life payout starts. You only have to pay this once per policy year.
Private Integrated Shield Plan (IP)
The major insurance companies in Singapore offer a selection of Integrated Shield Plans to suit the level of coverage you require based on the type of ward or hospital you prefer.
If you have a private Integrated Shield Plan, your insurance plan will comprise:
- MediShield Life
- Private insurance coverage for the costs of treatment in B1 or A class wards in the public hospitals or private hospitals
Your Integrated Shield Plan may include co-insurance and / or deductible.
If you have a rider plan purchased before 8 March 2019, you get to have additional coverage to pay for partial, or 100 per cent of the deductibles and co-insurance.
For integrated shield plan riders purchased after 8 March 2019, there is a co-payment of at least five per cent.
For a more detailed coverage of your personal health insurance policy, please seek professional advice from your insurance company.
The following plans cover your treatment in private hospitals:
- Raffles Shield Private
- Prudential PruShield A Premier
- NTUC IncomeShield Plan P* Income
- NTUC Enhanced IncomeShield Preferred
- Great Eastern Supreme Health P Plus
- AXA Shield Plan A
- Aviva MyShield Plan 1
- AIA HealthShield Gold Max A
Medical Claims Authorisation
To utilise your MediSave, MediShield Life and / or Private Integrated Shield Plan for payment of medical bills, you are required to provide written consent and authorisation by completing the Medical Claims Authorisation Form (MCAF) issued by CPF and MOH. Both the patient and Medisave account holder must present their identity cards (NRIC) to the hospital.