Benefits

MediShield Life IncomeShield Standard Plan
(Payout includes MediShield Life payout)
Ward entitlement Restructured hospital for ward class B1 and below
Inpatient hospital treatment Limits of compensation
Room, board and medical-related services
(each day)[1]
$800* $1,700
Intensive care unit (ICU) and medical- related services
(each day)[1]
$2,200* $2,900
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 $590
- Table 2 A/B/C $580 $760 $760 $1,670
- Table 3 A/B/C $1,060 $1,160 $1,280 $3,290
- Table 4 A/B/C $1,540 $1,580 $1,640 $4,990
- Table 5 A/B/C $1,800 $2,180 $2,180 $8,760
- Table 6 A/B/C $2,360 $2,360 $2,360 $11,670
- Table 7 A/B/C
(more complex procedures)
$2,600 $2,600 $2,600 $16,720
Surgical implants[2] $7,000
(each treatment)
$9,800
(each admission)
Gamma knife and novalis radiosurgery
(each treatment course)
$10,000 $9,600
Staying in a community hospital (Rehabilitative care)
(each day)[1][3]
$350 $650
Staying in a community hospital (Sub-acute care)
(each day)[1][3]
$430 $650
Inpatient palliative care service (General)
(each day)
$250 (each day) No additional coverage above MediShield Life
Inpatient palliative care service (Specialised)
(each day)
$350 (each day)
Inpatient psychiatric treatment
(each day, up to 60 days for each policy year)
$160 $500
Outpatient hospital treatment Limits of compensation
Stereotactic radiotherapy for cancer
(each session)
$1,800 $1,800
Radiotherapy for cancer (each session)
- External (except Hemi-body radiotherapy)
- Brachytherapy with or without external

$300

$500

$550

$1,100
Hemi-body radiotherapy (each session) $900 No additional coverage above MediShield Life
Chemotherapy for cancer (each month) $3,000 $5,200
Renal dialysis (each month) $1,100 $2,750
Erythropoietin and other drugs approved under MediShield Life for chronic renal failure
(each month)
$200 $450
Cyclosporin or tacrolimus and other drugs approved under MediShield Life for organ transplant
(each month)
$550 $1,200
Limit in each policy year $150,000 $150,000
Limit in each lifetime Unlimited Unlimited
Last entry age (age next birthday) Does not apply Does not apply
Maximum coverage age Lifetime Lifetime
Pro-ration factor[4] SG PR SG PR FR
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
80%

Does not apply
Does not apply
Does not apply
90%
80%

Does not apply
Does not apply
Does not apply
80%
80%
- Private hospital or private medical institution 25% 25% 50% 50% 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
80%

Does not apply
90%
80%

Does not apply
80%
80%
Day surgery or short-stay ward
- Restructured hospital subsidised
- Restructured hospital non-subsidised
- Private hospital or private medical institution
100%

35%

25%

58%

35%

25%

Does not apply

Does not apply

65%

Does not apply

Does not apply

65%

Does not apply

Does not apply

65%

Outpatient hospital treatment
- Restructured hospital subsidised
- Restructured hospital non-subsidised[5]
- Private hospital or private medical institution[5]
100%

50%

50%

67%

50%

50%

Does not apply

Does not apply

65%

Does not apply

Does not apply

65%

Does not apply

Does not apply

65%

Deductible for each policy year for an insured aged 80 years or below next birthday[6]
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
$2,500
- Private hospital or private medical institution $2,000 $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
$2,500
Day surgery or short-stay ward
- Subsidised
- Non-subsidised
$1,500
$1,500
$1,500
$2,000
Deductible for each policy year for an insured aged over 80 years at next birthday[6]
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

$2,000
$3,000
$3,000
$3,000
- Private hospital or private medical institution $3,000 $3,000
- Community hospital
  - Ward class C
  - Ward class B2 or B2+
  - Ward class B1
  - Ward class A

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

$2,000
$3,000
$3,000
$3,000
Day surgery or short-stay ward
- Subsidised
- Non-subsidised
$2,000
$2,000
$3,000
$3,000
Co-insurance
- Inpatient hospital treatment
Claimable amount[7]
  $0 - $3,000
  $3,001 - $5,000
  $5,001 - $10,000
  Above $10,000



10%
10%
5%
3%



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