Medishield vs Medishield Life

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Medishield Life provides extra coverage as compared to Medishield. It is a universal and compulsory insurance. It covers even insured with pre-existing with 30% loading of premium for the 1st 10 years only. Since it is a universal and compulsory insurance, there is no need to apply.

What Better Protection or Extra Coverage MediShield Life have over MediShield?

MediShield                                             MediShield Life
Cover up to 92 year old                          Cover until End of Life
Last Entry age up to 75                          No Last Entry age limit
Not compulsory                                      Compulsory
Doesn't cover pre-existing                      Cover pre-existing illnesses
Need to apply                                         No need to apply as it is compulsory
Daily Claim limits: $250                        Daily Claim limits: $350
Annual Claim limits: $70,000                Annual Claim limits: $100,000
Lifetime claim limit $300,000                Removed Lifetime claim limit
Co-insurance 10% to 20%                     Co-insurance 3% to 10%
Deductible "C" Ward: $2,000                No Change
Deductible "B2" Ward: $3,000              No Change



Who will stance to benefit from the MediShield Life?

- Those who have pre-existing illness and rejected by the current shield plans system. Additional premium of 30% for a period of 10 years
- Those who are 75 year old and above and exited their shield plan due to one reason or another.
- Those whose age already above 90 year old.





Other related post or readings

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MediShield Life Review: Tables of premiums and subsidies

MediShield Benefits and Coverage, Premium, Premium Discount, Deductible, Co-insurance and Exampes

MediShield Life vs Integrated Shield Plan (ISP)

Comparison of MediShield and Private Integrated Plan

MediShield vs MediShield Life

What does Integrated Shield Plans means?

Eight part series of Medishield Life - Uderstanding MediShield Life

Comparisons of CPF approved Shield Plans on Premium and Coverage offered by different insurers

Comparison of Premium at a glance - CPF approved Shield Plans

Terminating or canceling your Integrated Plan (IP)?