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Singapore Health Insurance Schemes 

Medishield Life

A basic health insurance plan managed by the CPF Board to help pay for large hospital bills and selected outpatient treatments.

​MediShield Life is a basic health insurance plan that protects all Singapore Citizens and Permanent Residents against large hospital bills for life, regardless of age or health condition.


MediShield Life and ElderShield or CareShield Life premiums can be covered fully by MediSave.



  • Singapore Citizens and Permanent Residents


Refer to for the list of benefits


​ElderShield was introduced in 2002 as a basic long-term care insurance scheme targeted at severe disability, especially during old age. When it was introduced, it provided payouts of $300/month for up to 5 years upon severe disability. It was subsequently reviewed in 2007 to provide better benefits of $400/month for up to 6 years.



Until 2019, all Singapore Citizens and Permanent Residents with MediSave Accounts were automatically enrolled in ElderShield at the age of 40, unless they opted out of the scheme. Coverage was provided by one of the three private insurers appointed by the Ministry of Health: Aviva, Great Eastern or Income.

CareShield Life

A long-term care insurance scheme that provides basic financial support for Singaporeans who become severely disabled, especially during old age.


Monthly payouts for as long as you remain severely disabled

Payouts start at $600 per month in 2020 and will increase annually until age 67 or when a successful claim is made



Singapore Citizens and Permanent Residents

Integrated Shield Plans (IP)


IPs are optional insurance plans from private insurance companies. You can use your MediSave to pay the premiums. 


MediShield Life is a health insurance plan to help you pay large hospital bills and selected outpatient treatment costs. It is sized to cover the vast majority of subsidised treatments in public hospitals (B2/C wards). Such subsidised treatments make up two-thirds of all admissions from residents in Singapore. You are covered for life, regardless of your age or health condition. If you are inclined towards choosing subsidised treatment in a restructured hospital, MediShield Life is sufficient for you.


But if you wish to have additional coverage, you can consider purchasing an appropriate IP:

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Follow this resource for more information before buying an IP

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