Healthcare financing

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

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

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

Expenses covered include:

• Daily hospital charges (including psychiatric)
• Surgical procedures

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

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.

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.