Benefits

Full benefit features
MediShield Life Enhanced IncomeShield
(Payout includes MediShield Life payout)
Preferred Advantage Basic
Ward entitlement Standard room in private hospital or private medical institution Restructured hospital for ward class A and below Restructured hospital for ward class B1 and below
Inpatient hospital treatment Limits of compensation
Room, board and medical-related services[1] $800 (each day)* As charged
Intensive care unit (ICU) and medical-related services[1] $2,200 (each day)*
Surgical benefits (including day surgery)
Surgical limits table – limits for various categories of surgery, as classified by the Ministry of Health in its latest surgical operation fees table:
A B C
- Table 1 A/B/C (less complex procedures) $240 $340 $340
- Table 2 A/B/C $580 $760 $760
- Table 3 A/B/C $1,060 $1,160 $1,280
- Table 4 A/B/C $1,540 $1,580 $1,640
- Table 5 A/B/C $1,800 $2,180 $2,180
- Table 6 A/B/C $2,360 $2,360 $2,360
- Table 7 A/B/C (more complex procedures) $2,600 $2,600 $2,600
Organ transplant benefit (including stem-cell transplant) Covered under inpatient hospital treatment
Surgical implants[2] $7,000
(each treatment)
Gamma knife and novalis radiosurgery $10,000
(each treatment course)
Accident inpatient dental treatment Covered under inpatient hospital treatment
Pre-hospitalisation treatment[3][4] Not covered As charged

Not provided by our panel[5]: up to 100 days before admission

Provided by our panel[5]: Up to 180 days before admission[4]
As charged

Up to 100 days before admission
Post-hospitalisation treatment[3][4] As charged

Not provided by our panel[5]: up to 100 days after discharge

Provided by our panel[5]: Up to 365 days after discharge[4]
As charged

Up to 100 days after discharge
Staying in a community hospital (Rehabilitative care)[1][6] $350
(each day)
As charged (up to 90 days for each admission)
Staying in a community hospital (Sub-acute care)[1][6] $430
(each day)
Inpatient palliative care service (General) $250
(each day)
As charged
Inpatient palliative care service (Specialised) $350
(each day)

Outpatient hospital treatment[7]

Limits of compensation
Stereotactic radiotherapy for cancer $1,800
(each session)
As charged
Radiotherapy for cancer
- External (except Hemi-body radiotherapy)
- Brachytherapy with or without external

$300
(each session)
$500
(each session)
Hemi-body radiotherapy $900
(each session)
Chemotherapy for cancer $3,000
(each month)
Immunotherapy for cancer Not covered
Renal dialysis $1,100
(each month)
Erythropoietin and other drugs approved under MediShield Life for chronic renal failure $200
(each month)
Cyclosporin or tacrolimus and other drugs approved under MediShield Life for organ transplant $550
(each month)
Long-term parenteral nutrition[8] $1,700
(each month)

Special benefits

Limits on special benefits
Breast reconstruction after mastectomy[9] Covered under inpatient hospital treatment As charged
Congenital abnormalities benefit As charged
(with 12 months' waiting period)
Pregnancy and delivery-related complications benefit[5,10] As charged
(with 10 months' waiting period)
Living organ donor (insured) transplant benefit - insured as the living donor donating an organ As charged, up to $60,000
(each transplant with 24 months' waiting period for the person receiving the organ)
As charged, up to $40,000
(each transplant with 24 months' waiting period for the person receiving the organ)
As charged, up to $20,000
(each transplant with 24 months' waiting period for the person receiving the organ)
Living organ donor (non-insured) transplant benefit (each transplant) – insured as the recipient of organ As charged, up to $60,000 Covered up to MediShield Life benefits only
Cell, tissue and gene therapy benefit
(each policy year)[11]
As charged, up to $250,000 As charged, up to $150,000
Proton beam therapy (each policy year) Covered under outpatient radiotherapy limits, where applicable As charged, up to $100,000 As charged, up to $70,000
Autologous bone marrow transplant treatment for multiple myeloma[12] $6,000 (each treatment) As charged, up to $25,000
(each policy year)
As charged, up to $10,000
(each policy year)
Inpatient psychiatric treatment benefit $160 (each day, up to 60 days for each policy year) As charged, up to $7,000
(each policy year)
As charged, up to $5,000
(each policy year)
Prosthesis benefit
(each policy year)
Covered under surgical implants As charged, up to $10,000 As charged, up to $6,000
Emergency overseas treatment Not covered As charged but limited to costs of Singapore private hospitals As charged but limited to costs of ward class A in Singapore restructured hospitals As charged but limited to costs of ward class B1 in Singapore restructured hospitals
Waiver of pro-ration factor for outpatient renal dialysis Does not apply Waive pro-ration factor for applicable treatment provided by our preferred partner[5]
Final expenses benefit (waiver of co-insurance and deductible)[13] $5,000 $3,000
Limit in each policy year $150,000 $1,500,000 $500,000 $250,000
Limit in each lifetime Unlimited Unlimited
Last entry age
(age next birthday)
Does not apply 75
Maximum coverage age Lifetime Lifetime
Pro-ration factor[14] SG PR SG/PR/FR SG/PR/FR SG/PR/FR[15]
Inpatient
- Restructured hospital
  - Ward class C
  - Ward class B2
  - Ward class B2+
  - Ward class B1
  - Ward class A

100%
100%
70%
43%
35%

44%
58%
47%
38%
35%
Does not apply
Does not apply
Does not apply
Does not apply
Does not apply
Does not apply

Does not apply
Does not apply
Does not apply
Does not apply
85%
- Private hospital or private medical institution or emergency overseas treatment[16] 25% 25% Does not apply 65% 50%
- Community hospital
  - Ward class C, B2 or B2+
  - Ward class B1
  - Ward class A

100%
50%
50%

50%
50%
50%
Does not apply
Does not apply
Does not apply
Does not apply

Does not apply
Does not apply
85%
Day surgery or short-stay ward
- Restructured hospital subsidised
- Restructured hospital non-subsidised
- Private hospital or private medical institution or emergency overseas treatment[16]
100%

35%

25%



58%

35%

25%



Does not apply Does not apply

Does not apply

65%



Does not apply

Does not apply

50%



Outpatient hospital treatment
- Restructured hospital subsidised
- Restructured hospital non-subsidised[17]
- Private hospital or private medical institution[17]
100%

50%

50%

67%

50%

50%

Does not apply Does not apply

Does not apply

65%

Does not apply

Does not apply

50%

Deductible for each policy year for an insured aged 80 years or below next birthday[18]
Inpatient
- Restructured hospital
  - Ward class C
  - Ward class B2 or B2+
  - Ward class B1
  - Ward class A

$1,500
$2,000
$2,000
$2,000

$1,500
$2,000
$2,500
$3,500

$1,500
$2,000
$2,500
$3,500

$1,500
$2,000
$2,500
$2,500
Private hospital or private medical institution or emergency overseas treatment[16] $2,000 $3,500 $3,500 $2,500
- Community hospital
  - Ward class C
  - Ward class B2 or B2+
  - Ward class B1
  - Ward class A

$1,500
$2,000
$2,000
$2,000

$1,500
$2,000
$2,500
$3,500

$1,500
$2,000
$2,500
$3,500

$1,500
$2,000
$2,500
$2,500
Day surgery or short-stay ward
- Subsidised
- Non-subsidised
$1,500
$1,500
$2,000
$3,500
$2,000
$3,500
$2,000
$2,500
Deductible for each policy year for an insured aged over 80 years at next birthday[18]
Inpatient
- Restructured hospital
  - Ward class C
  - Ward class B2 or B2+
  - Ward class B1
  - Ward class A

$2,000
$3,000
$3,000
$3,000

$2,250
$3,000
$3,750
$5,250

$2,250
$3,000
$3,750
$5,250

$2,250
$3,000
$3,750
$3,750
Private hospital or private medical institution or emergency overseas treatment[16] $3,000 $5,250 $5,250 $3,750
- Community hospital
  - Ward class C
  - Ward class B2 or B2+
  - Ward class B1
  - Ward class A

$2,000
$3,000
$3,000
$3,000

$2,250
$3,000
$3,750
$5,250

$2,250
$3,000
$3,750
$5,250

$2,250
$3,000
$3,750
$3,750
Day surgery or short-stay ward
- Subsidised
- Non-subsidised
$2,000
$2,000
$3,000
$5,250
$3,000
$5,250
$3,000
$3,750
Co-insurance
- Inpatient hospital treatment
  Claimable amount[19]
  $0 - $3,000
  $3,001 - $5,000
  $5,001 - $10,000
  Above $10,000



10%
10%
5%
3%



10%
10%
10%
10%



10%
10%
10%
10%



10%
10%
10%
10%
- Outpatient hospital treatment 10% 10% 10% 10%

*An additional claim limit of $200 per day applies for the first 2 days

SG: Singapore Citizen; PR: Singapore Permanent Resident; FR: Foreigner

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