MediShield Life Estimator
Estimate your mandatory health insurance premiums based on the 2026 age bands.
Last updated: April 2026
What is MediShield Life?
MediShield Life is a basic health insurance plan, administered by the CPF Board, which helps to pay for large hospital bills and selected costly outpatient treatments.
Universal Coverage: It covers all Singapore Citizens and Permanent Residents, including the elderly and those with pre-existing conditions, for life.
Fully Payable by MediSave: You do not need to pay for MediShield Life with cash; the premiums are deducted automatically from your MediSave account every year.
How to use this calculator
- 1Select Age — Move the slider to your current age to see the corresponding premium bracket.
- 2Review Premium — The estimator shows the full annual amount that will be deducted from your MediSave.
- 3Check Subsidies — Low-to-middle income families may receive additional premium subsidies of up to 50%.
Formula & example
Premium = Base Rate for Age Band - Subsidies
A 35-year-old pays roughly S$390/year. By age 65, the premium increases to S$1,200/year as the risk of hospitalization rises.
Benefits
Peace of Mind
Universal coverage means you can never be 'uninsured' in Singapore for basic hospitalization.
No Lifetime Limit
Unlike private plans in some countries, there is no limit to the total amount you can claim in your lifetime.
Cashless Payment
Automated MediSave deductions ensure you never miss a payment.
Use cases
MediSave Planning
Ensure you have enough MediSave balance for yourself and your dependents' premiums.
Retirement Budgeting
Factor in rising healthcare costs as part of your post-retirement cash flow.
Frequently asked questions
Is MediShield Life mandatory?+
Yes, it is a mandatory universal scheme for all Singapore Citizens and PRs.
Does it cover private hospitals?+
It covers up to the cost of B2/C wards in public hospitals. For private hospitals, you would need an Integrated Shield Plan (IP).