How to Verify Your MediShield Life, Integrated Shield Plan, and Rider Coverage Layers
Understand the coverage tiers of MediShield Life, Integrated Shield Plans, and riders in Singapore, and how they interact with co-insurance and deductibles.
Understanding Your Healthcare Coverage Layers
MediShield Life is a basic health insurance plan, administered by the Central Provident Fund (CPF) Board, which helps to pay for large hospital bills and selected costly outpatient treatments, such as dialysis and chemotherapy for cancer.
MediShield Life and Integrated Shield Plans have co-insurance and deductible features to keep premiums affordable.
How Riders Supplement Integrated Shield Plans
Riders are additional coverage that you can get on top of your Integrated Shield Plan – at a higher premium - to cover your co-insurance and deductible payment.
Existing rider plans may still be provided by insurers.
Checking Your Coverage Levels
To verify your coverage layers, review each component:
- Confirm your MediShield Life enrollment, which is automatic for all Singapore citizens and permanent residents.
- MediShield Life and Integrated Shield Plans have co-insurance and deductible features.
- If you have a rider, examine its terms to see what portion of the co-insurance and deductible it covers.
You can also contact your insurer or the CPF Board for details on how these plans work together.
Frequently Asked Questions
What is MediShield Life?
MediShield Life is a basic health insurance plan, administered by the Central Provident Fund (CPF) Board, which helps to pay for large hospital bills and selected costly outpatient treatments, such as dialysis and chemotherapy for cancer.
Why do MediShield Life and Integrated Shield Plans have co-insurance and deductibles?
MediShield Life and Integrated Shield Plans have co-insurance and deductible features to keep premiums affordable.
What does a rider cover?
Riders are additional coverage that you can get on top of your Integrated Shield Plan – at a higher premium - to cover your co-insurance and deductible payment.
Are riders still available?
Existing rider plans may still be provided by insurers.