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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 26 October 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.