Hi ,
I hope you're doing well!
I wanted to update you on the upcoming MediShield Life premium revision, which will take effect from April 2025.
As a quick refresher, MediShield Life is Singapore’s national basic health insurance that covers B2/C wards in government hospitals. While it provides essential coverage, it has some limitations:
✅ Covers only inpatient bills (does NOT cover pre & post-hospitalization)
✅ Claim limits apply (unlike Integrated Shield Plans, which are "As Charged")
What’s Changing?
With the premium increase, coverage will also improve:
✔ Normal ward claim limit: $1,000/day → $1,630/day
✔ ICU claim limit: Doubles to $5,140/day
✔ Total annual claim limit: $150,000 → $200,000
✔ Deductibles increase: By up to $1,500, depending on age & ward class
How Does This Affect You?
Once you have an Integrated Shield Plan (IP) covering higher-class wards, these changes won’t impact you much, as MediShield Life helps offset part of the bill, and your IP covers the rest (after co-payment).
However, with the MediShield Life premium adjustment, some insurers have also revised their IP premiums. You may soon receive a letter from your insurer regarding this. Some insurers may have also reduced benefits or introduced new measures that require you to co-pay more.
Would you like to revisit your coverage to ensure you’re still getting the best protection at the right cost?
💬 Let’s schedule a quick call!
Just let me know a time that works for you.
Looking forward to catching up!
P.S. If you need help reviewing any of your family member's Shield Plans, please feel free to reach out! I would be happy to assist.
Best regards,
Zest Chia
Executive Wealth Consultant | Associate Estate Planning Practitioner |
Licensed General Insurance Advisory
DISCLAIMER;
This message contains privileged and confidential information from Infinity Financial Advisory Pte Ltd. If you are not the intended recipient of this electronic message, please do not disseminate, copy or take any action in reliance on it. We request you notify us immediately before deleting this message. Any views expressed in this message or attachment/s are those of the individual sender and are not necessarily the views of the company. Infinity Financial Advisory Pte Ltd uses virus scanning software and while due care and attention is taken; the company excludes all liability for any loss or damage caused whether directly or indirectly by any computer virus or other defects transmitted with any email and any attachment(s), to the extent permitted by law. It is sent on the strict condition that the user carries out and relies on its own procedures for ensuring that its use will not interfere with the recipient's systems including but not limited to scanning this email and any attachment(s) for viruses and defects before opening or sending them on. The recipient assumes all risk of use and releases the sender from all responsibility and liability for any direct or indirect consequence of use.
0 comments