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What if I do not have sufficient MediSave to pay for CareShield Life premiums?

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You may top up your MediSave using cash via CPF e-Cashier with your Singpass (select “Contribute to My MediSave”).

Alternatively, a family member* can apply to take over as your premium payer using his/her MediSave. To do so, he/she may visit the Change Premium Payer e-Service and log in using his/her own Singpass to complete the “Change Premium Payer” transaction.  
*Family member refers to the insured’s spouse, parents, children, siblings, or grandchildren.

The Government will provide several premium support measures for those born in 1979 or earlier to ensure that CareShield Life premiums are affordable:

• Means-tested premium subsidies of up to 30% of premiums of CareShield Life, to help lower- to middle-income households.

• Participation incentives of up to $2,500 ($250/year) for Singapore Citizens who join and are covered by 31 December 2023, and up to $1,875 ($187.50/year) for those joining and being covered between 1 January 2024 and 31 December 2024. Participation incentives will be spread equally over 10 years and used to offset premiums payable for each year.

• Additional participation incentives of $1,500 ($150/year) for Merdeka and Pioneer Generation citizens who join and are covered by 31 December 2023, and $1,125 ($112.50/year) for those joining and being covered between 1 January 2024 and 31 December 2024. The participation incentives will be spread equally over 10 years and will be used to offset premiums payable for each year.

Additional Premium Support for Singaporeans who are unable to pay their CareShield Life premiums even after premium subsidies, so that no one will lose coverage under CareShield Life due to their inability to pay premiums. 

For more information on the types of premium support available, you may refer to this page. For information on your personalised premiums and premium support, you may access the CareShield Life Premium Checker e-Service with your Singpass.

This information provided here is sourced from the MOH website.


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