HI MediShield Life

Question 1

What is MediShield Life in Singapore?

Accepted Answer

A compulsory national health insurance scheme that covers all Singapore citizens and permanent residents for large hospital bills and selected costly outpatient treatments

Answer

A private health insurance plan

Answer

A voluntary savings scheme

Answer

A dental insurance plan

Question 2

How are MediShield Life premiums paid in Singapore?

Accepted Answer

Primarily through Medisave (CPF), with government subsidies available for lower-income individuals

Answer

Through personal bank accounts only

Answer

Employers pay all premiums

Answer

Through income tax deductions

Question 3

What is the difference between MediShield Life and Integrated Shield Plans (IPs) in Singapore?

Accepted Answer

MediShield Life provides basic coverage for public hospital wards; IPs are optional upgrades providing higher coverage limits and private hospital access

Answer

They are the same

Answer

IPs replace MediShield Life entirely

Answer

MediShield Life covers dental; IPs do not

Question 4

Does MediShield Life cover pre-existing medical conditions?

Accepted Answer

Yes, all Singapore citizens and PRs are covered for pre-existing conditions, with some conditions subject to additional premiums during a transition period

Answer

No, all pre-existing conditions are excluded forever

Answer

Only conditions diagnosed after age 50

Answer

Only conditions that are life-threatening

Question 5

What is the annual claim limit under MediShield Life?

Accepted Answer

There is an annual claim limit of SGD 150,000, with lifetime limits removed since the 2020 enhancement

Answer

Unlimited claims

Answer

SGD 50,000 per year

Answer

SGD 10,000 per year

Question 6

What is a 'deductible' in the context of MediShield Life?

Accepted Answer

The initial amount of the hospital bill that the policyholder must pay before MediShield Life starts covering the remaining costs

Answer

A premium discount

Answer

A bonus paid to healthy policyholders

Answer

The total premium paid annually