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MediShield is an individual catastrophic medical insurance designed to help Singaporeans pay part of the large hospitalisation bills for treatment of serious illnesses or prolonged hospitalisation at the Class B2/C level. Besides citizens, the scheme is also extended to Singapore Permanent Residents (SPR) who are eligible for subsidised medical care in restructured hospitals in Singapore.
From 1 December 2007, all newborns will be offered MediShield coverage on an opt-out basis. In addition to the auto-cover for newborns, school-going children will also be offered MediShield coverage on an opt-out basis from June 2008. Early coverage will benefit youths and their parents, helping them to meet medical expenses in the event of major or prolonged illnesses.
For more information on MediShield for newborns and school-going children, please click here.
You may also view general information on the scheme in Chinese (0.18MB), Malay (0.07MB) and Tamil (0.14MB).
MediShield Plus Plan A and Plan B were introduced on 1 July 1994 by CPF Board to cater to members who wish to enjoy higher medical coverage.
However, the MediShield Plus plans were privatised under NTUC Income on 1 October 2005 as part of the MediShield reform. As such, CPF Board currently only administers the basic MediShield scheme.
Annex A
List of Excluded Treatments & Medical Expenses |
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| 1. |
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| MediShield covers hospitalisation expenses and certain approved outpatient treatments, such as kidney dialysis, chemotherapy and radiotherapy for cancer treatment (please see Table A).
Table A: MediShield Benefits |
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BENEFITS |
CLAIM LIMITS |
| Inpatient/Day Surgery |
|
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Daily Ward & Treatment Charges1 |
$250 per day |
|
Daily Ward & Treatment Charges in
Intensive Care Unit (ICU)1 |
$500 per day |
|
|
$150
$300
$600
$720
$840
$960
$1,100
|
|
Implants/approved medical consumables3 |
$2,500 per treatment |
|
Radiosurgery treatment4 |
$4,800
per procedure |
| Outpatient Treatments 5 |
|
|
Stereotactic Radiotherapy Treatment for cancer |
$1,000 per treatment |
Radiotherapy for cancer:
- External or Superficial
- Brachytherapy with or without external |
$80 per treatment day
$160 per treatment day
|
|
Chemotherapy for cancer/ Certain benign neoplasms |
$150 per 7-day treatment cycle
$700 per 21- or 28-day treatment cycle
|
|
Renal Dialysis |
$1,000 per month |
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Erythropoietin drug for chronic renal failure |
$200 per month |
|
Immunosuppressant drugs for organ transplant |
$200 per month |
| Maximum Claim Limits |
|
|
Per policy year
Lifetime |
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| Last Entry Age |
Below 75 when cover commences |
| Maximum Coverage Age |
85 (age next birthday) | |
| 1 |
Inclusive of meal charges, prescriptions, professional charges, investigations and other miscellaneous charges. |
| 2 |
Surgical operations are classified according to their level of complexity, which increases from Table 1 to Table 7. |
| 3 |
Approved medical consumables are: |
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| - |
Intravascular electrodes used for electrophysiological procedures. |
| - |
Percutaneous Transluminal Coronary Angioplasty (PTCA) Balloons. |
| - |
Intra-aortic balloons (or Balloon Catheters). | |
| 4 |
Radiosurgery includes Novalis radiosurgery and Gamma Knife treatment. |
| 5 |
Deductibles are not applicable for Outpatient Treatment. |
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| 2. |
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| Yes, your benefits would be the same as that of a Singaporean as shown in Table A even though MediShield is designed to cover hospital charges incurred by a Singaporean in B2/C-class wards. However, as a non-Singaporean, (SPR and foreigner), your hospital bill will be larger than your Singaporean counterparts due to the lower government subsidies that you will enjoy (this takes effect from 1 January 2008 and 1 July 2008). Therefore, a pre-determined percentage is applied to the charges incurred by you before the MediShield claim is computed to equalise the MediShield payout for Singaporeans and non-Singaporeans. The applicable percentages that will be applied to hospital bills for admissions on or after 1 January 2008 and 1 July 2008 are shown in the Table B below:
Table B – Percentage of Charges Incurred for Non-Singaporeans (For admission on or after 1 January 2008 and 1 July 2008) |
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| Ward Class |
Percentage of charges incurred for non-Singaporeans1 |
| SPR |
Foreigners |
| 1 January 2008 |
1 July 2008 |
1 January 2008 |
| C |
80% |
67% |
20% |
| B2 |
87% |
78% |
35% |
| Subsidised Day Surgery |
87% |
78% |
Not Eligible |
| Subsidised Specialist Outpatient |
90% |
83% |
Not Eligible | |
| 1 |
The applicable percentages may change if there are further changes to hospital subsidies for non-Singaporeans. |
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| For more information on the government hospital subsidy, please click here. |
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| If you wish to have higher coverage than what is provided under MediShield, please click here to find out more about the Private Medical Insurance Scheme. |
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| 3. |
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| Yes, you would still enjoy the same benefits under MediShield. However, as MediShield is designed to cover bills incurred in B2/C class wards for Singaporeans, the MediShield claim for hospital stays in higher class wards or private hospital will be calculated based on a percentage of your hospital bill. Similarly, if you go for unsubsidised day surgery, your MediShield claim will be calculated based on a percentage of your bill. This is done to equalize the payout under MediShield for members who choose to go for higher class wards or use unsubsidized services. The percentage to be applied to your hospital bill is shown in Table C.
Table C: Percentage of Charges Incurred for higher class wards or private hospitals (For admission on or after 1 January 2008 and 1 July 2008) |
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| Ward Class |
Percentage of charges incurred for higher class wards or private hospitals
|
| Singaporean |
SPR1 |
Foreigners1 |
| 1 January 2008 |
1 January 2008 |
1 July 2008 |
1 January 2008 |
| B2+ |
70% |
63% |
58% |
35% |
| B1 |
43% |
40% |
38% |
35% |
| A / Private Hospital |
35% |
35% |
35% |
35% |
| Private Day Surgery |
35% |
35% |
35% |
35% |
| Unsubsidised Specialist Outpatient |
100% |
100% |
100% |
100% | |
| 1 |
The applicable percentages may change if there are further changes to hospital subsidies for non-Singaporeans. |
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| If you wish to have higher coverage than what is provided under MediShield, please click here to find out more about the Private Medical Insurance Scheme. |
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| 4. |
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| MediShield has deductible and co-insurance features which you have to pay with your Medisave or cash first, before the rest of the claim is payable from MediShield. |
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| a) |
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| A deductible is the amount you would need to pay for claim(s) made in a policy year, before there is a payout from MediShield. You only need to pay the full deductible once in a policy year (please see Table D). However, the deductible is waived if your claim is for outpatient treatments.
Table D: Deductible (Per Policy Year)* |
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| Ward Class |
Day Surgery |
| Class C |
Class B2 & Above |
| $1,000 |
$1,500 | |
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| * |
A policy year is a period of one year, starting from the commencement/renewal date of the MediShield cover. Different policyholders have different commencement/renewal dates for their MediShield cover. |
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| Your current policy year starts on 1 July 2007 and ends on 30 June 2008. Your next policy year starts on 1 July 2008 and ends on 30 June 2009 upon renewal. You are hospitalised twice between July 2007 and December 2008 and warded in a Class B2 ward on both occasions. |
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| Scenario One: Both hospitalisations are within the current policy year, one in August 2007 and the other in November 2007. |
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| (a) |
If the claimable amount for the first hospitalisation is $1,500 and the second is $2,000, the Deductible payable by you for the two claims would be: |
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1st hospitalisation
(August 2007) |
2nd hospitalisation
(November 2007) |
| Deductible |
$1,500 |
$0* | |
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| * |
You have paid the full Deductible of $1,500 for the policy year. Hence, there is no Deductible payable for the second claim which is in the same policy year. |
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| (b) |
If the claimable amount for the first hospitalisation is $1,000 and the second is $2,000, the Deductible payable by you for the two claims would be: |
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1st hospitalisation
(August 2007) |
2nd hospitalisation
(November 2007) |
| Deductible |
$1,000 |
$500* | |
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| * |
You have paid only part of the Deductible of $1,500 for the first claim. Hence, you have to pay the balance of $500 for the second claim which is in the same policy year. |
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| Scenario Two: The first hospitalisation is in August 2007 but the second hospitalisation is in August 2008 (the next policy year). In this case, the Deductible payable for the two claims would be: |
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1st hospitalisation
(August 2007) |
2nd hospitalisation
(August 2008) |
| Deductible |
$1,500 |
$1,500* | |
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| * |
You need to pay the Deductible of $1,500 for the 2nd hospitalisation as it occurs in a different policy year. |
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| b) |
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| Co-insurance is the amount you need to co-pay after meeting the Deductible. Co-insurance is lower for larger claimable amounts, thus reducing the percentage share of payment by you for larger hospital bills. Co-insurance is three-tiered, ranging from 20% to 10% as the bill size increases (please see Table E).
Table E: Co-insurance Table |
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| DEDUCTIBLE & CO-INSURANCE |
Deductible
Per Policy Year
|
Ward Class
|
Day Surgery |
| Class C |
Class B2 & Above |
| $1,000 |
$1,500 |
| Co-Insurance |
Claimable Amount
$1,001 - $3,000 : 20%
$3,001 - $5,000 : 15%
Above $5,000 : 10%
|
Claimable Amount
$1,501 - $3,000 : 20%
$3,001 - $5,000 : 15%
Above $5,000 : 10% | |
| Notes: |
| a. |
Co-insurance for outpatient treatments is 20% of a percentage of the charges incurred. |
| b. |
Claimable amount is the lower of the claim limit in Table A or a percentage of the charges incurred. |
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| You stay in a C-class ward and your claimable amount1 works out to be $8,000. You pay the deductible of $1,000 and your co-insurance is then computed as follows: 20% of the claimable amount from $1,001 to $3,000 (i.e. 20% of $2,000 = $400); 15% of the claimable amount from $3,001 to $5,000 (i.e. 15% of $2,000 = $300), and 10% of the claimable amount above $5,000 (i.e. 10% of $3,000 = $300). Your co-insurance payment is therefore $1,000. You have to pay $2,000 ($1,000 deductible plus $1,000 co-insurance) out of the total claimable amount of $8,000. MediShield pays the balance of $6,000. The above computation is illustrated in the diagram below. |
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| You pay $2,000 to meet the deductible and for co-insurance ($1,000 + $400 + $300 + $300 = $2,000). |
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| 1 |
Claimable amount is the lower of the claim limit in Table A or a percentage of the charges incurred. |
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| 5. |
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| You may claim from MediShield if upon discharge from an approved hospital, your attending doctor referred you to receive further medical treatment as an inpatient in a community hospital. Hospitalisation at a community hospital for social reasons or respite care is not claimable under MediShield. |
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| The pre-determined percentages in Table B and C are not applicable to hospitalisation in community hospitals. |
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| 6. |
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| MediShield only covers hospitalization/surgical/day surgery and approved outpatient treatments sought on medical grounds in MOH-accredited medical institutions in Singapore. Please click here for the list of accredited medical institutions. Expenses for treatments sought overseas cannot be claimed from MediShield. |
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| In addition, there is also a list of standard excluded medical treatments and expenses which MediShield does not cover. Please refer to Annex A for the list. Additional exclusions may also be imposed on an insured, depending on his health condition at the time of application on a case-to-case basis. |
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| CPF members and their dependants, who are Singaporeans or Permanent Residents, can be covered under MediShield up to 85 years old. |
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| MediShield is extended automatically to eligible Singaporeans and Permanent Residents: |
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| (i) |
If their births or permanent residencies were registered after 1 December 2007; |
| (ii) |
If they are registered at national schools as at 1 May 2008, 1 May 2009, 1 May 2010, 1 May 2011, 1 May 2012, 1 May 2013 or 1 May 2014; |
| (iii) |
When they make their first CPF contribution after turning 16 years old; or |
| (iv) |
If they get married in Singapore. |
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| 8. |
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| You can insure your immediate family members under MediShield as your dependants and pay their premiums with your Medisave. But they will be individually covered under the Scheme. Your immediate family members include your spouse, children, parents and grandparents who are Singapore Citizens or Permanent Residents. |
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| You can also insure your non-immediate family members (for example, siblings) as your dependants under the MediShield scheme if they and their immediate family members do not have Medisave to pay the premiums. You may email us at healthcare@cpf.gov.sg if you wish to find out more about how to insure your non-immediate family members under MediShield. |
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| 9. |
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| If you are applying for coverage for yourself and/or for your dependants who are below 16 years old, you can submit your application online via my cpf Online Services - My Requests using your CPF Account Number and SingPass, or fill up an application form and return it to the CPF Board. |
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| To apply for coverage for your dependant(s) who are 16 years old and above, you will need to complete an application form and return it to the CPF Board. |
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| You have to declare the past and current illnesses and medical conditions of yourself/your dependant(s) to support your/their application(s). This is to determine your/your dependant(s)’ insurability under the MediShield Scheme. CPF Board will not consider claims from a member who has given false or misleading information, or withheld relevant information in the health declaration. |
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| 10. |
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| Your yearly CPF Statement of Account and “My Messages” (under "my cpf Online Services", which you have to log in to with your CPF Account Number and SingPass) will indicate the status of your/your dependant(s)’ coverage. Alternatively, you can also call CPF Board at 1800-227 1188 to check. |
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| 11. |
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| As with any insurance plan, the acceptance of your MediShield application is subject to good health. All new applications will be subject to a health declaration and underwriting to determine your/your dependant(s)’ insurability under MediShield. |
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| If you suffer from a serious or chronic illness, you may not be insured under MediShield, or you may be insured with an exclusion for the illness. |
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| 12. |
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| Yes, the last entry age for MediShield is 75 years old. If you are applying for MediShield, you should do so before you turn 75 years old. |
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| 13. |
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| The MediShield Scheme has a standard 2-month waiting period before your cover commences. The "waiting period" feature helps to reduce the incidence of claims for pre-existing illnesses, and thus helps to keep premiums low by minimizing anti-selection against the scheme. |
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| Following the approval, your cover would commence on the first day of the third month upon the receipt of your application and would be subject to premium payment. For example, if we received your application on 15 May 2008, upon the approval on 1 June 2008, your cover will commence on 1 August 2008. |
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| 14. |
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| MediShield provides you with financial protection even when you are not working, while your company's medical insurance plan only covers you for as long as you are with the company. |
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| 15. |
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| Yes, you have to declare your health condition for MediShield cover. MediShield cover will be extended to you subject to good health. CPF Board will not consider claims from a member who has given false or misleading statements, or withheld relevant information in the health declaration. |
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| If you/your dependant(s) are unhealthy when applying for MediShield, you/your dependant(s) may have to undergo a medical examination or provide your/their medical report upon CPF Board's request. The cost will be borne by you. |
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| Upon receiving the health declaration and/or medical reports, CPF Board will review your/your dependant(s)’ insurability under the MediShield Scheme and will inform you in writing about the status of your/your dependant(s) application. |
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| 16. |
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| During the waiting period, you/your dependant(s) are required to keep CPF Board informed of any change in health status before the commencement of your cover. CPF Board will not consider claims from you/your dependant(s) if they arise from pre-existing medical conditions which were diagnosed before the commencement of the cover. |
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| 17. |
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| Annual premiums can be paid from your Medisave Account. The premium is calculated based on your attained age at your next birthday when the cover commences. The premium will be higher as you get older (please see Table F). |
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| Table F: Annual Premium Table
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| Age Next Birthday |
Yearly Premium
(Inclusive of 7% GST) * |
| 30 and under |
$ 30 |
| 31 - 40 |
$ 40 |
| 41 - 50 |
$ 80 |
| 51 - 60 |
$ 160 |
| 61 - 65 |
$225 |
| 66 - 70 |
$265 |
| 71 - 73 |
$335 |
| 74 - 75 |
$375 |
| # 76 - 78 |
$420 |
| # 79 - 80 |
$510 |
| # 81 - 83 |
$600 |
| # 84 - 85 |
$705 | |
| Notes: |
| * |
For cover commencement/renewal on or after 01 July 2007, the GST rate is 7%. |
| # |
For renewal of cover only, as the last entry age for MediShield is 75 years (age next birthday). |
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| 18. |
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| You will be covered for one policy year, that is, 12 months from the day the cover commenced or was renewed. |
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| For example, if your cover starts on 1 July 2007, you will be covered from 1 July 2007 to 30 June 2008. |
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| 19. |
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| For your convenience, renewal is done automatically every policy year, unless any of the following occurs: |
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You have reached 85 years of age. |
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You have decided not to be insured and informed us in writing. |
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You have claimed the maximum claim limit per life-time. |
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Your renewal premium was not paid. |
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You have informed us that you are no longer a Singapore citizen or Permanent Resident. |
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| You will be informed through your yearly CPF Statement of Account that your cover has been renewed. The statement will show the premium paid from your Medisave Account. |
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| 20. |
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| The premium will be deducted yearly from your Medisave Account. If you have insufficient CPF savings in your Medisave Account, CPF Board will notify you in writing to pay the outstanding premium within the stated grace period. If the outstanding premium is not paid within the grace period, the policy will lapse. You will have to apply for MediShield cover again and the acceptance of the application will be subject to good health. |
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| You can top up your MediShield premium payment online using your CPF Account Number if you have an internet banking account. |
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| You can also top up your MediShield premium via NETS at any AXS station or SingPost branch. If you wish to pay by cash, you can only do so at any of the SingPost branches. Alternatively, you may send in a cheque made payable to "The CPF Board". |
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| If you have insufficient cash to do a top up, you may request that one of your immediate family members (i.e. your spouse, parent, child or grandchild) take over the premium payment for your policy so that you can continue to enjoy the coverage under MediShield. |
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| To do so, the new payer can submit an application through my cpf Online Services - My Requests or fill up the Change of Payer Form and send it in to CPF Board. Once the request is processed, the new payer will take over the premium payment with effect from the next policy year. |
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| 21. |
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| You can apply to do an online change of premium payer via my cpf Online Services - My Requests > Healthcare Matters, using your CPF Account Number and SingPass. Alternatively, you can complete the Change of Payer Form and return it to the CPF Board for processing. |
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| Once your request is processed, you will take over the premium payment with effect from the next policy year. |
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| 22. |
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| If you joined the MediShield scheme before age 60 and have been insured continuously under the scheme, you will enjoy a yearly discount on your premiums between ages 71 to 85. |
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| The longer you stay with the scheme, the more of a discount you will enjoy. The premium discount is computed based on the entry age of the insured (please see Table G). |
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| Table G: Premium Discount Table (Effective from 1 January 2006) |
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| Age on Next Birthday when joining MediShield |
Premium Discount at Age
($) |
| 71 – 73 |
74– 75 |
76 – 78 |
79 – 80 |
81 – 83 |
84 – 85 |
| 30 & below |
134.00 |
150.00 |
168.00 |
204.00 |
240.00 |
282.00 |
| 31 - 40 |
100.50 |
112.50 |
126.00 |
153.00 |
180.00 |
211.50 |
| 41 - 50 |
67.00 |
75.00 |
84.00 |
102.00 |
120.00 |
141.00 |
| 51 - 60 |
33.50 |
37.50 |
42.00 |
51.00 |
60.00 |
70.50 | |
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| If you opt out of the scheme, you can still enjoy the discount if you re-join before age 60. However, the discount you enjoy will be based on the attained age on your next birthday when you re-join the scheme. |
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| 24. |
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| You can make your MediShield claim through the hospital by informing them that you are insured under the scheme and you wish to make a claim. The hospital will submit your claim to CPF Board. After determining how much is payable from MediShield, CPF Board will make payment directly to the hospital. The remaining amount may be settled with Medisave and/or cash. |
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| To estimate the maximum amount that you can claim from Medisave or MediShield, click here to go to our Medisave/MediShield Online Calculator. |
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| 25. |
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| Example 1 : Claim Computation for Singaporean staying in B2 Class Ward |
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Ward Class: B2
Length of stay: 54 Days (including 2 days in ICU)
Hospital Procedure Performed: Pancreas & Gall Bladder Operation |
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Hospital Bill1 |
Claimable Amount |
Daily Ward & Treatment Charges
(for 52 days + 2 days ICU) |
$14,298 |
$14,0002 |
| Surgical Procedure (Table 6) |
$728 |
$7283 |
| Total |
$15,026 |
$14,728 |
| Less Deductible |
|
($1,500) |
| Claimable Amount less deductible |
|
$13,228 |
| Less Co-insurance |
|
($1,572.80)4 |
MediShield pays
(% of hospital bill) |
|
$11,655.20
(78%) |
| Medisave and/or Cash |
|
$3,370.80 | |
| 1 |
As the insured is a Singaporean staying in a B2 class ward, the MediShield claim is computed based on 100% of the bill. |
| 2 |
Lower of the claim limit in Table A for Daily Ward & Treatment Charges, ($250 X 52 days + $500 X 2 days) = $14,000, or 100% of the charges incurred $14,298, i.e. $14,000. |
| 3 |
Lower of the claim limit in Table A for the surgical procedure, $960, or 100% of th charges incurred, $728, i.e. $728. |
| 4 |
Co-insurance = ($1,500 x 20%) + ($2,000 x 15%) + ($9,728 x 10%) = $1572.80. |
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| 26. |
|
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| Example 2 : Claim Computation for SPR staying in B2 Class Ward |
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Ward Class: B2
Length of stay: 54 Days (including 2 days in ICU)
Hospital Procedure Performed: Pancreas & Gall Bladder Operation |
| |
| |
Hospital Bill |
87% of hospital bill1
(refer to Table B) |
MediShield Claim Computation |
Daily Ward & Treatment Charges
(for 52 days + 2 days ICU) |
$16,157 |
$14,056.59
($16,157x87%) |
$14,0002 |
Surgical Procedure
(Table 6) |
$823 |
$716.01
($823x87%) |
$716.013 |
| Total |
$16,980 |
$14,772.60 |
$14,716.01 |
| Less Deductible |
|
|
($1,500) |
Claimable Amount
(less deductible) |
|
|
$13,216.01 |
| Less Co-insurance |
|
|
($1,571.60)4 |
MediShield pays
(% of hospital bill) |
|
|
$11,644.41
(69%) |
| Medisave and/or Cash |
|
|
$5,335.59 | |
| 1 |
As the insured is an SPR staying in a B2 class ward, the MediShield claim is computed based on 87% of the bill. |
| 2 |
Lower of the claim limit in Table A for Daily Ward & Treatment Charges [(52 X $250) + (2 X $500)] = $14,000 or 87% of the charges incurred, $14,056.59, i.e. $14,000. |
| 3 |
Lower of the claim limit in Table A for the surgical procedure, $960 or 87% of the charges incurred, $716.01, i.e. $716.01. |
| 4 |
Co-insurance = ($1,500 X 20%) + ($2,000 X 15%) + ($9,716.01 X 10%) = $1,571.60. |
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| 27. |
|
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| Example 3 : Claim Computation for Singaporean staying in A Class Ward |
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Ward Class: A
Length of stay: 18 Days
Hospital Procedure Performed: Hip Replacement |
| |
| |
Hospital Bill |
35% of hospital bill1
(refer to Table B) |
MediShield Claim Computation |
Daily Ward & Treatment Charges
(for 18 days) |
$7,500 |
$2,625
($7,500x35%) |
$2,6252 |
Surgical Procedure
(Table 5C) |
$5,000 |
$1,750
($5,000x35%) |
$8403 |
| Surgical Implants |
$4,000 |
$1,400
($4,000x35%) |
$1,400 |
| Total |
$16,500 |
$5,775 |
$4,865 |
| Less Deductible |
|
|
($1,500) |
Claimable Amount
(less deductible) |
|
|
$3,365 |
| Less Co-insurance |
|
|
($579.75)4 |
MediShield pays
(% of hospital bill) |
|
|
$2,785.25
(17%) |
| Medisave and/or Cash |
|
|
$13,714.75 | |
| 1 |
As the insured is a Singaporean staying in an A class ward, the MediShield claim is computed based on 35% of the bill. |
| 2 |
Lower of the Medical claim limit in Table A for Daily Ward & Treatment Charges, ($250 X 18 days) = $4,500, or 35% of the charges incurred $2,625, i.e. $2,625. |
| 3 |
Lower of the Medical claim limit in Table A for the surgical procedure, $840, or 35% of the charges incurred, $1,750, i.e. $840. |
| 4 |
Co-insurance = ($1,500 X 20%) + ($1,865 X 15%) = $579.75. |
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| 28. |
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| Yes, you may still claim from MediShield. However, the total amount which you can claim from MediShield and your other medical insurance (including medical benefits under your employer) should not exceed the entire hospital bill. |
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| 29. |
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| If you wish to enjoy higher coverage than what is provided under MediShield, you can apply directly to the private insurers for a Medisave-approved private integrated plan, which is made up of MediShield and an enhancement plan offered by private insurers under the Private Medical Insurance Scheme. You can use your Medisave to pay the premiums for your integrated plan, subject to the Medisave withdrawal limit of $800 per insured person per policy year. |
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| Click here to find out more about the Private Medical Insurance Scheme. |
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| 30. |
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| The private insurer will underwrite your application based on your current health condition then. Your MediShield cover will continue under the Medisave-approved private integrated plan following the terms and conditions offered to you when you were with CPF Board. Any additional exclusions imposed by the private insurer will not be applicable to your MediShield cover. |
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| 31. |
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| If you wish to terminate your MediShield cover, you can submit your termination request online using your CPF Account Number and SingPass, or fill up the Opt Out Form and return it to CPF Board. |
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| If you are paying your dependant's MediShield premium and he/she is below 16 years old, you may submit the termination request online using your CPF Account Number and SingPass. However, if your dependant is 16 years old and above, please fill up the Opt Out Form, which requires your dependant's signature, and return it to CPF Board. |
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| Once the cover is terminated, any unused premium (based on the remaining number of days in the policy year) will be refunded to your Medisave account. |
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| You may wish to note that members who terminate their MediShield cover will have to reapply if they wish to rejoin the scheme in the future. The acceptance of the new application will be subject to the eligibility criteria and the member’s health condition then. Hence, we hope that you would reconsider your decision as it is important for one to have catastrophic medical insurance coverage that will help to defray part of the large medical bills in the event of a serious illness or prolonged hospitalization. |
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Annex A
List of Excluded Treatments & Medical Expenses |
Generally, the following expenses are outside the scope of MediShield and cannot be claimed:
- Entire stay in hospital if the member was admitted to the hospital before he was insured by MediShield
- Treatment of any of the following categories of pre-existing illnesses or any other serious illnesses for which the patient had received medical treatment during the 12 months before the start of MediShield cover:
* Blood disorder
* Cancer
* Cerebrovascular accidents (stroke)
* Chronic liver cirrhosis
* Chronic obstructive lung disease
* Chronic renal disease, including renal failure
* Coronary artery disease
* Degenerative disease
* Ischaemic heart disease
* Rheumatic heart disease
* Systemic lupus erythematosus
- Ambulance fees
- Congenital anomalies, hereditary conditions and disorders e.g. hole-in-heart, hare-lip
- Cosmetic Surgery
- Maternity charges (including Caesarean operations) or abortions
- Dental work (except due to accidental injuries)
- Infertility, sub-fertility, assisted conception or any contraceptive operation
- Sex change operations
- Mental illness and personality disorders
- Optional items which are outside the scope of treatment
- Overseas medical treatment
- Private nursing charges
- Purchase of kidney dialysis machines, iron- lung and other special appliances
- Treatment for which the insured person received reimbursement from Workmen's Compensation and other forms of insurance coverage
- Treatment of any illness, disability, injury or any condition arising from or due to the Acquired Immune Deficiency Syndrome (AIDS) virus
- Treatment for drug addiction or alcoholism
- Treatment of injuries arising directly or indirectly from nuclear fallout, war and related risk
- Treatment of injuries arising from direct participation in civil commotion, riot or strike
- Treatment of self-inflicted injuries or injuries resulting from attempted suicide
- Vaccination
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