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

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