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MediShield Life Benefits
This page provides details on MediShield Life benefits, including claim limits for inpatient/ day surgery and outpatient treatments, as well as coverage exclusions.
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MediShield Life Benefits
Applicable for admissions or treatments received on or after 1 April 2024.
MediShield Life Benefits for Inpatient/Day Surgery
Admissions or | Category | Claim Limits | ||
---|---|---|---|---|
Daily Ward and Treatment Charges1 | Normal ward2 | $800 per day* | ||
Intensive care unit ward | $2,200 per day* | |||
Psychiatric (up to 60 days per policy year) | $160 per day | |||
Community hospital (Rehabilitative)3 | $350 per day | |||
Community hospital (Sub-acute)3 | $430 per day | |||
Inpatient palliative care service (General) | $460 per day | |||
Inpatient palliative care service (Specialised) | $500 per day | |||
Surgical Procedures | A | B | C | |
Table 1 A/B/C (less | $240 | $340 | $340 | |
Table 2 A/B/C | $580 | $760 | $760 | |
Table 3 A/B/C | $1,060 | $1,160 | $1,280 | |
Table 4 A/B/C | $1,540 | $1,580 | $1,640 | |
Table 5 A/B/C | $1,800 | $2,180 | $2,180 | |
Table 6 A/B/C | $2,360 | $2,360 | $2,360 | |
Table 7 A/B/C (more | $2,600 | $2,600 | $2,600 | |
Implants | (Not Applicable) | $7,000 per treatment | ||
Radiosurgery, including | (Not Applicable) | $10,000 per treatment course | ||
Continuation of autologous bone marrow | (Not Applicable) | $6,000 per treatment | ||
*An additional claim limit of $200 per day applies for the first two inpatient2. 1 Includes meal charges, prescriptions, professional charges, investigations, and other miscellaneous charges. 2 Includes eligible Mobile Inpatient Care @ Home stays. 3 Claimable only upon referral from a hospital after an inpatient admission or from a public hospital's emergency department for further treratment. 4 Find out more about the approved indications for use of Proton Beam Therapy. |
MediShield Life Benefits for Outpatient treatment
Outpatient | Category | Claim Limits | ||
---|---|---|---|---|
Patients receiving treatment for one primary cancer | Cancer drug treatment | $200-$9,600 per month, depending | ||
Cancer drug services | $3,600 per year | |||
Patients receiving treatment for multiple primary cancers6 | Cancer drug treatment | Sum of the highest cancer drug treatment limit amongst the claimable treatments received for each primary cancer per month5 | ||
Cancer drug services | $7,200 per year | |||
Radiotherapy for cancer | External (except Hemi-body) | $300 per treatment | ||
Brachytherapy | $500 per treatment | |||
Hemi-body | $900 per treatment | |||
Stereotactic | $1,800 per treatment | |||
Proton beam therapy - Category 14 | $300 per treatment | |||
Proton beam therapy - Category 24 | $500 per treatment | |||
Proton beam therapy - Category 34 | $1,800 per treatment | |||
Kidney dialysis | (Not Applicable) | $1,100 per month | ||
Immunosuppressants for organ transplant | (Not Applicable) | $550 per month | ||
Erythropoietin for chronic kidney failure | (Not Applicable) | $200 per month | ||
Long-term parenteral nutrition | (Not Applicable) | $1,700 per month | ||
Maximum claim limit | ||||
Per policy year | $150,000 | |||
Lifetime | No Limit | |||
4 Find out more about the approved indications for use of Proton Beam Therapy. |
Clinical Criteria for long-term Parenteral Nutrition
Clinical Criteria for long-Term and home Parenteral Nutrition (PN) for MediShield Life (MSHL) coverage and MediSave (MSV) use
Long-term and Home PN patients must meet criteria in Section 1 and be diagnosed with a condition listed in Section 2 to qualify for MSHL coverage and MSV use. | |
---|---|
Section 1 | 1. The patient will require PN for a minimum of 90 days,
|
Section 2 | A. Recent massive Small Bowel Resection leaving less than or equal to 1.5 metres of small bowel beyond the ligament of Treitz.
OR
OR OR
OR
OR
OR
|
List of Serious Pregnancy and Delivery-related Complications
This list only contains conditions that affect only pregnant women. Other conditions which are not specific to pregnancy and delivery, such as appendicitis during pregnancy and cardiomyopathy suffered after delivery, are also covered by MediShield Life from 1 April 2019.
Complications covered by MediShield Life for inpatient treatments from 1 April 2019
S/N | Description of Compilcation |
---|---|
1 | Eclampsia and pre-eclampsia |
2 | Cervical incompetency |
3 | Accreta placenta |
4 | Placenta abruption |
5 | Placenta praevia |
6 | Antepartum, intrapartem and postpartum haemorrhage |
7 | Placental insufficiency and Intrauterine growth restriction |
8 | Gestational diabetes mellitus |
9 | Accute fatty liver of pregnancy |
10 | Obstetric cholestasis |
11 | Twin to twin transfusion syndrome |
12 | Infection of amniotic sac and membranes |
13 | Amnionic fluid embolism |
14 | Fourth degree perineal laceration |
15 | Uterine rupture |
16 | Postpartum inversion of uterus |
17 | Obstetric injury or damage to pelvic organs |
18 | Complications resulting into caesarean hysterectomy |
19 | Retained placenta and membranes |
20 | Abscess of breast |
21 | Ectopic pregnancy, hydatidiform mole and subsequent complications |
22 | Medically necessary abortions |
23 | Still-birth |
24 | Maternal death |
Exclusions under MediShield Life
The following treatment items, procedures, conditions and activities are not covered by MediShield Life and cannot be claimed* (Applicable for admissions or treatments received on or after 1 March 2021):
Ambulance fees
Cosmetic surgery
Dental work (except due to accidental injuries)
Vaccination
Infertility, sub-fertility, assisted conception or any contraceptive operation, including their related complications
Sex change operations, including their related complications
Maternity charges (including Caesarean operations) or abortions, including their related complications, except treatments for serious complications related to pregnancy and childbirth
Treatment for injuries arising from the insured's criminal act
Treatment of injuries arising directly or indirectly from nuclear fallout, war and related risk
Treatment of injuries arising from direct participation in civil commotion, riot or strike
Expenses incurred after the 7th calendar day from being certified to be medically fit for discharge from inpatient treatment and assessed to have a feasible discharge option by a medical practitioner
Surgical interventions, including related complications, for the following rare congenital conditions which are severe and fatal by nature: Trisomy 13, Bilateral Renal Agenesis, Bart's Hydrops and Anecephaly
Optional items which are outside the scope of treatment
Overseas medical treatment
Private nursing charges
Purchase of kidney dialysis machines, iron-lung and other special appliances
Treatment which has received reimbursement from Workmen’s Compensation and other forms of insurance coverage
* Not withstanding the exclusions above, treatment items, conditions and activities which are assessed by MOH to be inappropriate e.g. non-medically indicated treatments or unnecessary hospitalisation, would also not be eligible for MSHL coverage.
Cancer Drug List
In August 2021, MOH announced changes to the financing of outpatient cancer treatment to help ensure the cost of cancer treatments and insurance premiums remain affordable over time.
The changes to MediShield Life (MSHL) and MediSave (MSV) were implemented on 1 September 2022, while the change to Integrated Shield Plans (IPs) will take effect from 1 April 2023, upon policy purchase or renewal. Read more about transitional support for cancer patients and overview of cancer financing changes.
The Cancer Drug List below shows the outpatient cancer treatments that are claimable and the corresponding MSHL and MSV limits. IP claim limits are set by the private insurers. The subsidy classes in the CDL apply to drugs at public healthcare institutions. Drugs can be subsidised under the Standard Drug List (SDL) or Medication Assistance Fund (MAF).
For more questions, check out our FAQs on Cancer Treatment Financing.
The subsidy class, and MediShield Life and MediSave limits may change from time to time. The prevailing subsidy class, and MediShield Life and MediSave limits will be applied at the point the patient receives treatment. Brands specified in the 'subsidy class' column refers to the eligibility for SDL subsidy only. Other brand(s) of the same active ingredient, while not eligible for SDL subsidy, will follow the same MediShield Life (MSHL), MediSave and IP coverage.
Explanatory note on category
Refers to the MediShield Life claim limit tiers, as prescribed in the Sixth Schedule of the MediShield Life Scheme Regulations 2015. In relation to the First Schedule of the Central Provident Fund (MediSave Account Withdrawals) Regulations, categories 1 to 27 are considered the “first tier” of the CDL, while categories 28 to 48 are considered the “second tier” of the CDL.
MediShield Life Claim Limit Tiers
Category | MediShield Life Claim Limit per month ($) | Category | MediShield Life Claim Limit per month ($) |
---|---|---|---|
1 | $200.00 | 10 | $2,000.00 |
2 | $400.00 | 12 | $2,400.00 |
3 | $600.00 | 15 | $3,000.00 |
4 | $800.00 | 16 | $3,200.00 |
5 | $1,000.00 | 19 | $3,800.00 |
6 | $1,200.00 | 26 | $5,200.00 |
7 | $1,400.00 | 27 | $5,400.00 |
8 | $1,600.00 | 46 | $9,200.00 |
9 | $1,800.00 | 48 | $9,600.00 |
Approved Indications for use of Proton Beam Therapy in Treatment
Eligibility Criteria For MediShield Life Claims For Proton Beam Therapy (PBT)
MediSave claims are not subjected to the eligibility criteria.
Treatment should be given with a curative intent;
Patient does not have metastatic disease or advanced stage disease, with the exception of tumours which remain curable when metastatic;
Patient should have adequate performance status and is medically sufficiently stable to undergo PBT;
PBT should be considered when the expected rate of severe side effects from other treatments are unacceptable; and
Patient should have good prognosis, with an expected survival of more than five years after treatment with PBT. PBT is not allowed for palliative care cases.
MediShield Life Claim and MediSave Withdrawal Limits for Approved Proton Beam Therapy (PBT) Indications
Cancer subtypes for patients of all ages
Category | Indication | PBT Category | MediShield Life Claim Limit | MediSave Withdrawal Limit |
---|---|---|---|---|
Musculoskeletal system | Base of Skull Chordoma | 3 | $1,800 per treatment | $2,800 per treatment |
Base of Skull Chondrosarcoma | ||||
Spinal and Paraspinal Bone and Soft Tissue Sarcoma | 1 | $300 per treatment | $80 per treatment | |
Non-metastatic retroperitoneal sarcomas | ||||
Central and peripheral nervous system | Ependymoma | 3 | $1,800 per treatment | $2,800 per treatment |
Pituitary adenoma | ||||
Base of skull meningioma | ||||
Acoustic neuroma (when treated with PBT as stereotactic radiotherapy) | ||||
Acoustic neuroma (when treated with PBT as radiosurgery) | 4 | $10,000 per course of treatment | $7,500 per course of treatment | |
Lymphatic system | Localised follicular lymphoma | 1 | $300 per treatment | $80 per treatment |
Head and Neck | Advanced (eg, T4) and/or unresectable head and neck cancers | 1 | $300 per treatment | $80 per treatment |
Cancers of the paranasal sinuses and other accessory sinuses | ||||
Others | Oesophageal cancer | 1 | $300 per treatment | $80 per treatment |
Oropharyngeal cancer | ||||
Advanced high risk inoperable hepatocellular carcinoma | ||||
Locally advanced cancers undergoing concurrent chemoradiation therapy | ||||
Prostate cancer |
Cancer subtypes for patients younger than 25 years
Category | Indication | PBT Category | MediShield Life Claim Limit | MediSave Withdrawal Limit |
---|---|---|---|---|
Central and peripheral nervous system | Retinoblastoma | 2 | $500 per treatment | $360 per treatment |
Chordoma/ chondrosarcoma base of skull or spine | 3 | $1,800 per treatment | $2,800 per treatment | |
Ependymoma | ||||
Craniopharyngioma | ||||
Pineal parenchymal tumours (not pineoblastoma) | ||||
Medulloblastoma | 1 | $300 per treatment | $80 per treatment | |
Intracranial germ cell tumour | ||||
Primitive neuroectodermal tumours | ||||
Esthesioneuroblastoma | ||||
Neuroblastoma | ||||
Glioma | ||||
Musculoskeletal | ||||
Ewing sarcoma | 1 | $300 per treatment | $80 per treatment | |
Spinal/ paraspinal bone and soft tissue sarcoma | ||||
Rhabdomyosarcoma: orbit, parameningeal, head and neck, pelvis | ||||
Pelvic Sarcoma | ||||
Osteosarcoma | ||||
Others | Salivary gland cancer | 1 | $300 per treatment | $80 per treatment |