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 MediShield Life's 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. For more information on APS, please visit MediShield Life FAQ on APS here.

However, for those who can but choose not to pay their MediShield Life premiums, penalties and interest may be imposed and enforcement actions taken for the recovery of outstanding premiums. It is necessary to have firm enforcement action 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. Penalties and Interest
    Penalties may be imposed for late or non-payment of premiums.  A 5% penalty may be imposed on premiums that remain unpaid after the active premium payment measures taken by CPF Board. If the premiums and any interest and penalties imposed still remain unpaid one year after the imposition of 5% penalty, an additional penalty of 12% may be imposed on the unpaid premiums. Annual compounding interest of 4% may also be applied on the unpaid 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 penalty and interest, please refer to the FAQs.

  2. Premium Recovery Measures

    For those who still fail to pay despite repeated reminders and the imposition of penalties, further enforcement actions may be taken to recover the outstanding premiums, such as:

    (i)      Appointment of the defaulter's agents (e.g. employer, bank and/or tenant of the insured) to recover the outstanding premiums

    (ii)     Offsetting of outstanding premium against one-off Government surplus-sharing transfers (e.g. Growth Dividends)

    (iii)    Issuance of a travel restriction order to stop the defaulter from leaving Singapore

    (iv)     Legal action

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

    For enquiries on late payment of premiums, 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 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 by:

      1. Online payment through MediShield Life e-Services via the "Top up Medisave to Pay MediShield Life Premium" option; or
      2. AXS Stations/SAM Kiosks with ATM cards from major participating banks
    • What subsidies/support have the Government put in place to help me with my premium payment?

      The Government offers various channels of help with payment for 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.

       

      For more information, please visit the MediShield Life website.

       

      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 on APS, please visit MediShield Life FAQ on APS here.

    • 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 refer to the MediShield Life website for more information on the switching of payers for premium payment.

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