New MediShield Life and Integrated Shield plans. Here is what has changed.

Changes to MediShield Life (MSHL)

Following the recommendations from the MediShield Life council in October 2024, the MediShield Life scheme will be enhanced with the revised benefits progressively implemented. Some of these changes will be implemented with effect from 1 April 2025. This is what we know about the changes that have been implemented and the other changes that will be implemented over the next few years.

1) Premiums before subsidies will increase by as much as 35 per cent from April 2025

Our MediShield Life premiums will increase with this done in phases from April 2025 to March 2028. Premium support will also be given for 2025 and 2026 to help cushion the impact of this premium adjustment. As at time of writing, the new premiums have been implemented and will take effect for policies purchased or renewed on or after 1 April 2025.

2) Inpatient deductible will increase by up to $1,500

One of the main changes announced in October 2024 was the increase of inpatient deductible for MediShield Life. The current inpatient deductible ranges from $1,500 to $3,000 and has remained unchanged since MediShield Life was introduced in 2015. This deductible was initially implemented to sieve out smaller medical bills, keep premium increases in control and allow MediShield Life to focus on the larger bills. However, the rising medical bills has deemed this deductible insufficient at achieving its intended cause.

The MediShield Life council has recommended the inpatient deductible to increase by up to $1,500 with this increase to be done in phases over the next three years. While the first increase in inpatient deductible was initially set for April 2025, as at time of writing we have not been able to find any confirmation that the new inpatient deductible has taken effect.

(Source: MediShield Life report 2024)

3) Increase in maximum claim limits and other benefits

Apart from premium increases and the increase in deductibles, the revised MediShield Life will also offer higher benefit limits. The annual policy claim limit has been increased from $150,000 to $200,000 among other things.

We summarised a list of benefit changes between the new and old MediShield Life in the table below:

(Source: MediShield Life report 2024)

With the updates to MediShield Life, there has also been changes to Integrated Shield plans. Here are the changes:

Enhanced IncomeShield and IncomeShield

Premium revision: Premiums are revised for foreigner rates to all Enhanced IncomeShield plans, IncomeShield Plan P, IncomeShield Plan A and IncomeShield Standard Plan effectivefrom April 2025. There are no changes to the premiums of riders.

Changes to benefit: No changes.

Singlife Shield

Premium revision: Singlife Shield and Singlife Health Plus premiums will be raised from 1 April 2025. Premiums for Singlife will now increase gradually with age instead of by broad age bands.

Changes to benefit: There are four main changes to the benefit for Singlife Shield plans:

Raffles Shield

Premium revision: No revisions made to premiums.

Changes to benefit: No changes.

Have a question? Speak to us about your shield plans here:

If you have existing shield plans with Income, Raffles or Singlife, you may also be interested in:

A Guide to assessing your Enhanced IncomeShield plan

Should I downgrade my Raffles Shield plan coverage? This is what we think

Assess your Singlife Shield plan with this one guide

^{Information obtained from:}

^{https://www.cpf.gov.sg/member/healthcare-financing/medishield-life/what-medishield-life-covers-you-for}

^{https://isomer-user-content.by.gov.sg/3/c33f49bb-869d-4ff0-88ef-755e9602402d/medishieldlife-report-2024.pdf}

^{https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/medishield-life/medishield-life-premium-and-subsidy-tables}

^{https://www.moh.gov.sg/newsroom/government-accepts-medishield-life-council-s-recommendations-to-enhance-medishield-life-scheme---government-support-more-than-offsets-premium-increases}

^{https://singlife.com/content/dam/public/sg/documents/promotion/H44%20Singlife%20Shield%20TCs%20Sept%202024.pdf}

^{https://singlife.com/content/dam/public/sg/documents/medical-insurance/singlife-shield/singlife-shield-policy-contract-2025.pdf}

^{https://singlife.com/content/dam/public/sg/documents/promotion/H46%20Singlife%20Health%20Plus%20TCs%20Sept%202024.pdf}

^{https://singlife.com/content/dam/public/sg/documents/medical-insurance/singlife-shield/singlife-health-plus-policy-contract-2025.pdf}

^{Information retrieved on 3 April 2025.}

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