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Ministry of Health
  1. Home
  2. Managing expenses
  3. Schemes and subsidies
  4. MediShield Life
  5. Coverage for pre-existing conditions

Coverage for pre-existing conditions

MediShield Life is a basic health insurance plan that protects all Singapore Citizens and Permanent Residents against large medical bills for life, regardless of age or pre-existing conditions.

Last updated 30 December 2024

You are covered by MediShield Life even if you have a pre-existing medical condition.

If your pre-existing condition is listed in the table below, you will need to pay 30% Additional Premiums for the first 10 years, after which you will pay the same standard premium as anyone else in your age group. You can use your MediSave to pay your MediShield Life premiums, including Additional Premiums.

Table 1: Broad categories of serious pre-existing conditions that will be subject to Additional Premiums

Broad categories

Indicative examples (not exhaustive)

Cancer

Lung cancer, colorectal cancer, breast cancer, stomach cancer

Blood disorders

Aplastic Anaemia, Thalassemia Major

Degenerative diseases

Parkinson’s Disease, Muscular Dystrophy, Amyotrophic Lateral Sclerosis (ALS)

Heart or other circulatory system diseases

Heart attack, Coronary artery disease, Chronic ischaemic heart disease

Cerebrovascular diseases

Stroke

Respiratory diseases

Chronic obstructive pulmonary disease

Liver diseases

Alcoholic liver disease , Chronic hepatitis, Fibrosis or cirrhosis of liver

Autoimmune/ Immune System diseases

Systemic lupus erythematosus, Human Immunodeficiency Virus/ Acquired Immune Deficiency Syndrome (HIV/ AIDS)

Renal diseases

Chronic renal disease, Chronic renal failure, Chronic nephritic syndrome

Serious congenital conditions

Congenital heart disease, Congenital renal disease, Biliary atresia

Psychiatric conditions

Schizophrenia

Chronic condition with serious complications

Hypertensive heart disease, Hypertensive kidney disease, Diabetes with kidney complications, Diabetes with eye complications

How am I assessed as having a qualifying pre-existing condition?

If you have been diagnosed with any of the qualifying pre-existing conditions, this information will have been recorded in Government administrative databases and medical institutions. You won’t need to submit any medical reports as the CPF Board can tap into these databases directly to levy the correct MediShield Life premiums for your case.