MediShield Life is designed to fully cover nine in ten subsidised bills, with the deductible and co-insurance covered by MediSave. This strikes a balance between protecting Singaporeans against the vast majority of healthcare bills, while keeping premiums affordable.

Singaporeans can be assured that more people will see their subsidised bills fully covered by MediShield Life and MediSave. For the minority of patients whose subsidised bills exceed the claim limit, they will still receive payouts from MediShield Life up to the relevant claim limit. Those who have difficulty affording their bills after subsidies, MediShield Life and MediSave can also apply for financial assistance such as MediFund, or appeal to MOH for MediSave use beyond limits.