Benefits

Full benefit features
MediShield Life IncomeShield
(Payout includes MediShield Life payout)
Plan P Plan A Plan B Plan C
Inpatient hospital treatment Limits of compensation
Room, board and medical-related services (each day)[1] $800* $2,000 $1,200 $1,000 $700
Intensive care unit (ICU) and medical-related services (each day)[1] $2,200* $2,600 $1,700 $1,400 $1,200
Surgical benefits
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 $1,050 $600 $500 $400
- Table 2 A/B/C $580 $760 $760 $2,275 $1,300 $1,100 $750
- Table 3 A/B/C $1,060 $1,160 $1,280 $4,025 $2,300 $2,000 $1,300
- Table 4 A/B/C $1,540 $1,580 $1,640 $5,425 $3,100 $3,000 $2,000
- Table 5 A/B/C
$1,800
$2,180
$2,180
$8,100 $5,400 $4,300 $3,000
- Table 6 A/B/C $2,360 $2,360 $2,360 $10,800 $7,200 $5,400 $4,200
- Table 7 A/B/C (more complex procedures) $2,600 $2,600 $2,600 $14,100 $9,400 $8,200 $6,800
Surgical implants[2] $7,000
(each treatment)
$14,000 (each admission) $11,000 (each admission) $9,000 (each admission) $7,000 (each admission)
Gamma knife and novalis radiosurgery (each treatment course) $10,000 $15,600 $12,600 $9,600
Pre-hospitalisation treatment and post-hospitalisation treatment[3]
(up to 90 days before being admitted to or after being discharged from hospital, respectively)
Not covered Limited to unused balance amount of room, board and medical-related services and intensive care unit (ICU) and medical-related services benefits and staying in a community hospital.
Staying in a community hospital (Rehabilitative care) (each day)[1][4] $350 $2,000
(up to 45 days for each admission)
$1,200
(up to 45 days for each admission)
$1,000
(up to 45 days for each admission)
$550
(up to 45 days for each admission)
Staying in a community hospital (Sub-acute care) (each day)[1][4] $430
Inpatient palliative care service (General)
(each day)
$250 No additional coverage above MediShield Life
Inpatient palliative care service (Specialised)
(each day)
$350
Outpatient hospital treatment Limits of compensation
Stereotactic radiotherapy for cancer (each session) $1,800 $5,000 $3,000 $2,500 $2,000
Radiotherapy for cancer (each session)
- External (except Hemi-body radiotherapy)
- Brachytherapy with or without external


$300

$500



$600

$600



$400

$500



$300

$500



$250

$500

Hemi-body radiotherapy
(each session)
$900 No additional coverage above MediShield Life
Chemotherapy for cancer
(each month)
$3,000 $4,000 $3,500 $3,000
Immunotherapy for cancer
(each month)
Not covered $2,000 $1,000 $700 $400
Renal dialysis
(each month)
$1,100 $3,500 $3,000 $2,500 $2,000
Erythropoietin and other drugs approved under MediShield Life for chronic renal failure (each month) $200 $1,000 $700 $600 $400
Cyclosporin or tacrolimus and other drugs approved under MediShield Life for organ transplant
(each month)
$550 $1,000 $700 $600 $400
Special benefits Limits on special benefits
Congenital abnormalities benefit (each policy year) Covered under inpatient hospital treatment $10,000 (with 24 months’ waiting period) $7,500 (with 24 months’ waiting period) $5,000 (with 24 months’ waiting period) Covered up to MediShield Life benefits only
Pregnancy complications benefit (each policy year) $7,000[5] (with 10 months' waiting period) $5,000[5] (with 10 months' waiting period) $3,500[5] (with 10 months' waiting period)
Inpatient psychiatric treatment benefit $160
(each day, up to 60 days for each policy year)
$7,000
(each policy year)
$5,000
(each policy year)
Prosthesis benefit
(each policy year)
Covered under surgical implants $10,000 $6,000 $3,000
Final expenses benefit[6] Not covered $5,000 $3,000 $1,500
Limit in each policy year $150,000 $300,000 $200,000 $150,000 $100,000
Limit in each lifetime Unlimited Unlimited
Last entry age (age next birthday) Does not apply 75
Maximum coverage age Lifetime Lifetime
Pro-ration factor[7] SG PR SG/PR/FR SG/PR/FR SG/PR/FR[8] SG/PR/FR[8]
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
- Private hospital or private medical institution or emergency overseas treatment[9] 25% 25%
- Community hospital
  - Ward class C, B2 or
    B2+
  - Ward class B1
  - Ward class A

100%

50%
50%

50%

50%
50%
Day surgery or short-stay ward
- Restructured hospital subsidised
- Restructured hospital non-subsidised
- Private hospital or private medical institution or emergency overseas treatment[9]
100%

35%

25%



58%

35%

25%



Does not apply
Outpatient hospital treatment
- Restructured hospital subsidised
- Restructured hospital non-subsidised[10]
- Private hospital or private medical institution[10]
100%

50%

50%


67%

50%

50%


Does not apply
Deductible for each policy year for an insured aged 80 years or below at next birthday[11]
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

$1,500
$2,000
$2,000
$2,000
- Private hospital or private medical institution or emergency overseas treatment[9] $2,000 $3,500 $3,500 $2,500 $2,000
- 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

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

$2,000
$2,000
Deductible for each policy year for an insured aged over 80 years at next birthday[11]
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

$2,250
$3,000
$3,000
$3,000
- Private hospital or private medical institution or emergency overseas treatment[9] $3,000 $5,250 $5,250 $3,750 $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

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

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

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

$2,250
$3,000
$3,000
$3,000
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
$3,000
$3,000
Co-insurance
- Inpatient hospital treatment
Claimable amount[12]
  $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%



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