MediShield Life pro-ration factor
MediShield Life is a basic health insurance scheme for Singaporeans and Permanent Residents, designed to cover subsidised bills, i.e. hospitalisations in Class B2/C wards, and outpatient treatments and day surgeries in public healthcare institutions.
Non-subsidised bills will be pro-rated before the claims under MediShield Life are computed.
Similarly, Permanent Residents will also have their bills pro-rated before claims under MediShield Life are computed. The applicable pro-ration factors are shown in the table below.
For admissions or treatments received before 1 April 2025, please refer to the applicable pro-ration factors.
Deductible
A Deductible is the amount you would need to pay for claim(s) made in a policy year, before there is a payout from MediShield Life. You only need to pay the full Deductible once in a policy year.
However, the Deductible is waived if your claim is for outpatient treatments.
For admissions or treatments received before 1 April 2025, please refer to the applicable deductible.
1 Radiosurgery and Continuation of Autologous Bone Marrow Transplant for Multiple Myeloma received during hospitalisation will follow the deductible for Class C for patients in subsidized wards, and the deductible for Class B2 and above for patients in non-subsidised wards.
1 Inclusive of deductible
Accumulated claimable amounts (before deductible and co-insurance) from previous hospitalisations
Claimable amounts (before deductible and co-insurance) from previous hospitalisations within the same policy year are accumulated to offset against the deductible.
Total paid from previous claims
Total paid claims from previous hospitalisations within the same policy year.