You would only have to pay the accumulated sum of premiums suspended from collection with compound interest if (a) you choose to relocate back to Singapore, (b) no longer meet the eligibility criteria for suspension of premium collection, or (c) choose to claim and benefit from MediShield Life payouts. Once this happens, your suspension of MediShield Life premium collection will cease and you will have to pay the full sum of premiums suspended from collection, with compound interest.