Is MediShield Life coverage only for those who use Class B2/C wards? What about those who wish to use Class A/B1 or private hospitals – will they get any MediShield Life benefits?
MediShield Life provides coverage for all ward classes including private hospitals. However, MediShield Life benefits are designed based on Class B2/C bills, so as to keep premiums affordable. If you choose to use Class A/B1 or private hospitals where bills are much higher, MediShield Life will cover a smaller portion of your bill. This ensures comparable payouts for subsidised and private patients.
You may sign up for an Integrated Shield Plan (IP), managed by a private insurer, if you want additional coverage of bills in the Class A/B1 wards or private hospitals.
IPs comprise 2 components: (i) MediShield Life and (ii) additional private insurance coverage for the additional coverage in Class A/B1 wards in the public hospitals or private hospitals. However, premiums for IPs will be higher and will increase with age, so do consider carefully your choice of ward class and the premium affordability over the lifetime, and plan your insurance coverage accordingly.
This information provided here is sourced from the MOH website.
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