Benefits |
Full benefit features | ||||||
---|---|---|---|---|---|---|---|
MediShield Life | IncomeShield (Payout includes MediShield Life payout) |
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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) |
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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) |
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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% |
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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 |
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- 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 |
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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 |
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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 |
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- 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 |
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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 |
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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% |
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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
- Includes meals, prescriptions, medical consultations, miscellaneous medical charges, specialist consultations, examinations, and laboratory tests. Room, board and medical-related services include being admitted to a high-dependency ward.
- Includes charges for the following approved medical items:
- Intravascular electrodes used for electrophysiological procedures
- Percutaneous transluminal coronary angioplasty (PTCA) balloons
- Intra-aortic balloons (or balloon catheters). - Pre-hospitalisation and post-hospitalisation treatment are not covered for treatment given before or after, inpatient psychiatric treatment benefit, accident inpatient dental treatment, emergency overseas treatment or stay in a short-stay ward.
- To claim for staying in a community hospital,
- the insured must have first had inpatient hospital treatment in a restructured hospital or private hospital;
- after the insured is discharged from the restructured hospital or private hospital, they must immediately be admitted to a community hospital for a continuous period of time;
- the attending registered medical practitioner in the restructured or private hospital must have recommended in writing that the insured needs to be admitted to a community hospital for necessary medical treatment; and
- the treatment must arise from the same injury, illness or disease that resulted in the inpatient hospital treatment. - Pregnancy complications benefit pays for inpatient hospital treatment for the following:
- ectopic pregnancy
- pre-eclampsia or eclampsia
- disseminated intravascular coagulation (DIC)
- miscarriage where the foetus of the insured dies as a result of a sudden unexpected, non-malicious and involuntary event
- ending a pregnancy if an obstetrician considers it necessary to save the life of the insured. - We will waive (not enforce) the co-insurance and deductible due for a claim for the inpatient hospital treatment, pre-hospitalisation treatment and post-hospitalisation treatment if the insured dies (i) while in hospital; or (ii) within 30 days of leaving hospital. If the insured dies within 30 days of leaving the hospital, we will also waive the co-insurance due for a claim of outpatient hospital treatment if the treatment was received by the insured within 30 days of leaving hospital.
- If the insured is admitted into a ward and medical institution that is higher than what they are entitled to, we will only pay the percentage of the reasonable expenses for necessary medical treatment of the insured as shown using the pro-ration factor that applies to the plan.
- If the insured is a Singapore Permanent Resident or a foreigner, we will further reduce the amount of each benefit we will pay by the citizenship factor below. The citizenship factor applies to any claim under your policy unless you have chosen the Singapore Permanent Resident or foreigner plan.
- Plan B : 89% (for Singapore Permanent Resident); 80% (for foreigner)
- Plan C : 57% (for Singapore Permanent Resident); 28% (for foreigner) - MediShield Life does not cover emergency overseas treatment.
- Pro-ration for non-subsidised outpatient cancer treatments will apply for MediShield Life from 1 Nov 2016. Renal dialysis and immunosuppressant drugs approved under MediShield Life for organ transplant will not be pro-rated for MediShield Life.
- Deductible does not apply to outpatient hospital treatment.
- Claimable amount is the lower of (i) the claim limit in the table or (ii) the amount after adjusting the charges for pro-ration and citizenship factor, if needed.
Information is correct as at 23 August 2022.