The deductible sieves out smaller medical bills that can be paid via MediSave or cash, and focuses MediShield Life coverage on larger, catastrophic medical bills to keep premiums sustainable and affordable. The co-insurance encourages responsible and appropriate consumption of healthcare services, while managing the financial burden on the patient. Both the deductible and co-insurance can also be covered by MediSave, up to respective withdrawal limits. This strikes a balance between protecting Singaporeans against the vast majority of healthcare bills, while keeping premiums affordable.

 

Those who have difficulty affording their bills after subsidies, MediShield Life and MediSave can also apply for financial assistance such as MediFund.