MediShield Life (MSHL)

MediShield Life is a national healthcare insurance scheme that replaced MediShield on 1 November 2015. The scheme provides lifelong protection for all Singapore Citizens and Permanent Residents, including the very old and those who have pre-existing health conditions.

As a basic health insurance plan administered by the Central Provident Fund (CPF) Board, MSHL helps to pay for large hospital bills and selected costly outpatient treatments, such as kidney dialysis and chemotherapy for cancer.

For more details on MediShield Life and other types of Government support, please visit the Ministry of Health website or call 1800-222-3399 or (+65) 6222 3399.

 

Payment of MediShield Life Premium

The Government provides strong support through a range of premium subsidies to help Singapore Citizens and Permanent Residents pay for their MediShield Life premiums. Those who cannot afford their premiums even after the above support measures are encouraged to apply for Additional Premium Support (APS) to pay for the premiums. Policyholders may request for a copy of the APS application form by calling 1800-222-3399 or (+65 6222 3399) from Monday to Friday, 8am to 5.30pm (GMT+8). MOH will assess each APS application to ensure that assistance is provided to those who are in need of financial support. Please visit the Ministry of Health website for more information on APS for MediShield Life premiums.

However, for those who can but choose not to pay their MediShield Life premiums, late payment penalties and interest will be imposed and enforcement actions taken to recover the outstanding premiums. It is necessary to have firm enforcement actions to deter defaults and uphold the spirit of collective responsibility behind the MediShield Life Scheme. This will ensure that the MediShield Life Fund remains sustainable and can meet its commitment to all Singaporeans and Permanent Residents. It also ensures that the debts of wilful defaulters are not unfairly shouldered by those who have paid their share responsibly. Outstanding premiums that are not recovered will translate to bad debts for the MediShield Life Fund and consequently, higher premiums for all members.

Late Payment of MediShield Life Premiums

The Inland Revenue Authority of Singapore (IRAS) and the CPF Board have been appointed by Ministry of Health as recovery bodies responsible for the recovery of outstanding premiums. 

 

  1. Late Payment Penalties and Interest
    If the premium payment is not received or received late, a 5% late payment penalty will be imposed on premiums that remain outstanding after the active premium payment measures taken by CPF Board. Additional penalties of 12% will be imposed if the premiums and any interest and late payment penalties imposed remain outstanding one year after the imposition of the 5% late payment penalty. Annual compounding interest of 4% will also be applied on the outstanding premiums and/or interest of those who persistently delay the payment of premiums to make up for the interest loss to the MediShield Life Fund. For calculation of late payment penalty and interest, please refer to the FAQs.
  2. Premium Recovery Measures
    If the premiums continue to remain outstanding, despite repeated reminders and the imposition of late payment penalties, other actions to recover the outstanding premiums may include:
  • Appointing agents like your bank, tenant and/or employer to recover the outstanding premiums
  • Offsetting outstanding premium against one-off Government surplus-sharing transfers (e.g. Growth Dividends)
  • Issuing a Travel Restriction Order (TRO) to disallow your travel out of Singapore; and/or
  • Taking legal action

You will experience inconveniences in using your bank accounts should your bank be appointed as an agent to recover the outstanding premiums. In some instances, you may not be able to access your bank accounts until the full payment for your premiums has been received.

For more details on the enforcement actions, please refer to the FAQs.

For enquiries on late payment of premiums, late payment penalties, interest and/or other enforcement actions, please email us at enfmshl@iras.gov.sg or call us at (+65) 6356 7012 (Mondays to Fridays, 8 a.m. to 5 p.m.) (GMT+8).

 




FAQs

  • General Questions on the MediShield Life Scheme

  • Payment of MediShield Life Premiums

    • Who is responsible for the payment of my premiums?

      You are responsible for the payment of your own MediShield Life premiums.

      If you are below 21 years of age i.e. a minor, your parents or legal guardians are liable to pay your MediShield Life premium, interest and late payment penalties.

    • How do I make payment for my outstanding premiums?

      MediShield Life premiums are automatically deducted from your Medisave Account (MA). If you have insufficient savings in your MA, you can top up your MA using cash via e-Cashier and select “Contribute to my MediSave".

      For information on other payment modes, please visit CPF Board’s website.
    • What subsidies/support have the Government put in place to help me with my premium payment?

      The Government offers various channels of help for the payment of MediShield Life premiums, such as Premium Subsidies for the lower to middle income groups, Pioneer Generation Subsidies for Pioneers, Medisave top-ups and Transitional Subsidies for Singapore Citizens.
       
      If you are still unable to afford your premium even after the above support measures, you may be eligible for Additional Premium Support (APS). APS is designed to help those who are needy and unable to afford their MediShield Life premiums even after Government subsidies, and have limited family support.

      For more information, please visit the Ministry of Health website.

    • Can I help my family members pay for their premiums?

      Yes, you can use your Medisave savings to help your immediate family members – your parents, spouse, children and grandparents - pay for their MediShield Life premiums.

      Please visit the Ministry of Health website for more information on the switching of payers for premium payment.