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).

MediShield Life Estimator

Estimate your mandatory health insurance premiums based on the 2026 age bands.

Calculate Your Results

Adjust the values to see how your numbers change

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

Select Age - Move the slider to your current age to see the corresponding premium bracket.
Review Premium - The estimator shows the full annual amount that will be deducted from your MediSave.
Check Subsidies - Low-to-middle income families may receive additional premium subsidies of up to 50%.

Calculation Formula & Example

The Formula

Premium = Base Rate for Age Band - Subsidies

Where:

Age Band = Premiums increase as you enter higher age brackets (e.g. 31, 41, 51).
No Claim Bonus = Some private IP plans offer bonuses, but the core MediShield Life is a standard rate.

Example Calculation

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 of Using This Calculator

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.

Calculator 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

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CPF Allocation

See how much MediSave you earn monthly.

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