Cell, Tissue and Gene Therapy Products (CTGTPs) and high-cost drugs have significant potential to treat rare diseases and conditions. However, they can be expensive. Without any financing, Singaporeans will not be able to access these potentially life-saving treatments.

 

MediShield Life and risk-pooling essentially make healthcare more accessible for everyone. Rather than having each person save individually for costly treatments like CTGTPs that only a few may need, MediShield Life collects smaller, annual premiums from all. This approach allows the scheme to provide financial support for high-cost, low-incidence treatments when they are needed. 

 

To keep the scheme affordable and sustainable, coverage will focus on treatments that the Ministry of Health (MOH) has assessed to be clinically effective and cost-efficient. This ensures that everyone benefits from shared resources, reducing the financial burden on individuals while maintaining quality care for those who truly need it.