I am covered by employer medical benefits or a non-Integrated Shield Plan. Can I claim from MediShield Life as well? Who pays first?

For members who are covered under multiple schemes, the Ministry of Health has set out the following claims protocol to avoid duplicative payouts:

1. Employer, private insurance, other third party pays first

2. Followed by MediShield Life (MSHL)/Integrated Shield Plan (IP)

3. Then MediSave

4. Then Cash

MSHL will pay for the portion of the bill that is not covered by employer, private insurance and other third party payers, subject to claim limits, deductible and co-insurance. If you have filed a claim against MSHL/IP first and subsequently with a third party payer, you or the third party payer must reimburse the relevant amount to MSHL/IP, in line with the claims protocol. The public/private healthcare institutions and the insurance industry have been informed of this claims protocol.

This information provided here is sourced from the MOH website.