Martin Lee @ Sg
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Who Needs to Pay Additional Premiums for Medishield Life?

Yesterday, MOH released the list of pre-existing conditions that would require a person to pay additional premiums. The extra premiums required would be 30% of the Medishield Life premiums for the next ten years.

The list is as follows:

(The left column shows the list of conditions while the right column gives some examples of conditions in the list)

CancerLung cancer, colorectal cancer, breast cancer, stomach cancer
Blood disordersParkinson’s disease, Muscular dystrophy, Amyotrophic lateral sclerosis (ALS)
Heart or other circulatory system diseasesHeart attack, Coronary artery disease, Chronic ischaemic heart disease
Cerebrovascular diseasesStroke
Respiratory diseasesChronic obstructive pulmonary disease
Liver diseasesAlcoholic liver disease , Chronic hepatitis, Fibrosis or cirrhosis of liver
Autoimmune/ Immune System diseasesSystemic lupus erythematosus, Human Immunodeficiency Virus/ Acquired Immune Deficiency Syndrome (HIV/ AIDS)
Renal diseasesCongenital heart disease, Congenital renal disease, Biliary atresia
Psychiatric conditionsSchizophrenia
Chronic condition with serious complicationsHypertensive heart disease, Hypertensive kidney disease, Diabetes with kidney complications, Diabetes with eye complications

Medical conditions that develop after the start of an individual’s MediShield (or integrated shield plan) cover are not considered to be pre-existing conditions and will not be subject to additional premiums.

additional-premiums-medishield-life

These are some scenarios where the pre-existing condition loading is applicable:

1) If you are currently not covered by Medishield and suffer from one of the conditions in the list above.

2) If you were previously covered under Medishield only and an exclusion was imposed due to one of the conditions in the list.

3) If you had previously applied for an integrated shield plan (without being enrolled into Medishield first) and an exclusion was imposed due to one of the conditions in the list.

4) You were previously declined for Medishield cover due to one of the conditions.

The extra loading will not apply if:

1) You are enrolled into Medishield and one of the above conditions happened after you were covered under Medishield.

2) You were previously accepted into Medishield with no exclusions, subsequently develop one of those conditions and then apply for an integrated shield plan which imposes an exclusion on you.

Those affected will receive a letter from CPF board informing them that they need to pay extra premiums.

For more information and examples, you can refer to this MOH press release:

Less than 1% of Singaporeans will need to pay Additional Premiums

Some additional reading on Medishield Life:

Medishield Life and What It Means
Medishield Life summary
Medishield Life full report

Feel free to ask any questions in the comments section below.

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