In general, Government subsidies are targeted at those in greater need. The assessment approach for MediShield Life Premium Subsidies uses the household monthly income per person and Annual Value (AV) of homes as a way to assess the household’s means and better target these subsidies. In addition, those who own multiple properties will not be eligible for Premium Subsidies.

The household assessment process strikes a balance between being more precise in assessing applicants’ means and keeping the process simpler for applicants and administratively practical. While the approach is not perfect, it provides us with a fair and objective basis to take a person's income and wealth into consideration.

Policyholders who are unable to afford their premiums even after premium subsidies and MediSave use, and have limited family support, may be invited to apply for Additional Premium Support, which will cover all outstanding premiums and their premiums for the next two policy years. In the event of extenuating circumstances, appeals will be assessed on a case-by-case basis.