From 1 November 2015, all Singapore Citizens and Permanent Residents are automatically covered under MediShield Life, including those who already have pre-existing conditions. 

Standard exclusions for MediShield Life include ambulance fees, medical reports and maternity charges.  For the full list of exclusions, please visit www.medishieldlife.sg

If you have a Medisave-approved Integrated Shield Plan, you can check with your insurer directly on the coverage and exclusions.

If you wish to authorise the use of your Medisave and/or claim against MediShield Life/Integrated Shield Plan for hospital bills, you will need to complete the Medical Claims Authorisation Form and submit to the Hospital for processing together with your Singapore Identification Card/Passport/CPF membership card.

For more information on:

• Medisave, MediShield Life and Medifund 
  
• Average Hospital Bill Sizes