CPFB | MediShield Life pro-ration factor

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.

Pro-ration factors for ward charges
Ward class / Subsidy status	Singapore citizen	Permanent resident
Class C	100%	50%
Class B2	100%	50%
Class B2+	100%	50%
Class B1	34%	29%
Class A	27%	25%
Private Hospital	16%	16%
Community Hospital (Subsidised)	100%	60%
Community Hospital (Non-subsidised)	45%	37%
Inpatient Palliative Care Service (Subsidised)	100%	60%
Inpatient Palliative Care Service (Non-subsidised)	45%	37%
Short Stay Ward (Subsidised)	100%	50%
Short Stay Ward (Non-subsidised)	27%	25%
Day Surgery (Subsidised)	100%	54%
Day Surgery (Public Hospital Non-subsidised)	33%	33%
Day Surgery (Private Hospital)	21%	21%

Pro-ration factors for outpatient treatment charges
Ward class / Subsidy status	Singapore citizen	Permanent resident
Outpatient treatment (excluding Kidney Dialysis and Erythropoietin for chronic kidney failure)
Outpatient Treatment (Subsidised)	100%	56%
Outpatient Treatment (Non-subsidised)	35%	35%
Outpatient Treatment (Private)	30%	30%
Outpatient treatment (Kidney Dialysis and Erythropoietin for chronic kidney failure)
Outpatient Treatment (Subsidised)	100%	67%
Outpatient Treatment (Non-subsidised)	100%	56%
Outpatient Treatment (Voluntary Welfare Organisations)	100%	67%
Outpatient Treatment (Private)	100%	56%
Continuation of Autologous Bone Marrow Transplant for Multiple Myeloma (Subsidised)	100%	67%
Continuation of Autologous Bone Marrow Transplant for Multiple Myeloma (Non-subsidised)	50%	50%

Pro-ration factors for surgical charges
Ward class / Subsidy status	Singapore citizen	Permanent resident
Class C	100%	60%
Class B2	100%	60%
Class B2+	100%	60%
Class B1	35%	30%
Class A	25%	25%
Private Hospital	10%	10%
Day Surgery (Subsidised)	100%	58%
Day Surgery (Public Hospital Non-subsidised)	25%	25%
Day Surgery (Private Hospital)	15%	15%

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