CPFB | Healthcare financing

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Featured schemes
Outpatient care
Hospitalisation
Long-term care
Supplements
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Healthcare at a glance

MediSave, MediShield Life, CareShield Life provide healthcare protection for those with CPF.

Affordable outpatient treatment

CPF healthcare schemes help you pay for a broad range of outpatient treatments.

Greater coverage for hospitalisation

Focus on recovery and take care of your hospitalisation expenses using your CPF.

Financial support for long-term care

Should you need care for a prolonged duration, your CPF offers you financial protection.

Your option for supplements

If you prefer higher coverage and have the budget for higher premiums not just today but also in future years, you may consider a supplementary plan that meets your needs.

Featured schemes

Healthcare at a glance

These three national schemes offer you protection for your healthcare needs.

MediSave

Personal healthcare savings

MediSave helps to pay the healthcare needs for you and your loved ones.

MediShield Life

Health insurance

MediShield Life protects you against large medical bills, regardless of your age or health condition.

CareShield Life

Long-term care insurance

CareShield Life provides you monthly cash payouts in the event of severe disability.

Outpatient care

Affordable outpatient treatment

CPF healthcare schemes help you pay for a range of outpatient treatments.

X ray films, medication, hands holding a checklist and blood pressure monitor

MediSave

MediSave covers a broad range of outpatient treatments through schemes such as MediSave500/700 and Flexi-MediSave.

Treatments covered include:

Chronic conditions such as diabetes, hypertension, stroke, and depression
Vaccinations and health screenings
Dialysis and cancer treatments

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MediShield Life

MediShield Life covers the cost of more expensive, recurring outpatient treatments.

Treatments covered include:

Cancer drugs
Radiotherapy for cancer
Renal dialysis
Drugs for organ transplant and chronic kidney failure
Long-term parenteral nutrition

Find out more

Hospitalisation

Greater coverage for hospitalisation

CPF healthcare schemes help you pay for hospitalisation and day surgery expenses.

Doctor and nurses surrounding patient on hospital bed

MediSave

MediSave can be used to cover part of your hospitalisation and day surgery expenses.

Expenses covered include:

Daily hospital charges (including psychiatric)
Surgical procedures

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MediShield Life

MediShield Life covers large medical bills so that you pay less from your MediSave or in cash.

Treatments covered include:

Hospitalisation/day surgery
Surgical procedures
Implants
Radiosurgery
Continuation of autologous bone marrow transplant treatment for multiple myeloma

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Long-term care

Financial support for long-term care

Find out how these CPF schemes can help you finance your long-term care needs.

CareShield Life

CareShield Life is a long-term care insurance. You can benefit from monthly cash payouts as long as you are unable to do 3 or more Activities of Daily Living (ADLs).

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ElderShield

If you are covered under ElderShield, you can benefit from monthly cash payouts of up to $400, for up to six years in the event of severe disability.

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MediSave Care

If you’re aged 30 and above with severe disability and require long-term care, you can withdraw up to $200 per month from your own, or your spouse’s MediSave.

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MediSave

You can use your MediSave to cover part of your palliative care and rehabilitation treatments expenses.

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MediShield Life

MediShield Life is a health insurance that can help you with large palliative care and rehabilitation treatment bills.

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Supplements

Your option for supplements

Supplementary coverage is optional and comes at an additional cost. Do consider the long-term affordability of the premiums before your purchase.

Integrated Shield Plans (IPs)

Two-thirds of patients opt for Class B2 and C wards in public hospitals and are adequately covered with MediShield Life. Thus, you may not need to buy a supplement.

If you need to stay in a private class ward or choose your doctors, and you’re able to afford higher premiums, you may choose a supplementary plan that meets your needs.

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Long-term care supplements

If you need supplementary coverage and you're able to afford the additional premiums, you may consider purchasing a ElderShield/CareShield Life supplement from selected private insurers.

Find out more