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Nation-wide hos­pit­al­iz­a­tion plan, MediShield Life, will be imple­men­ted on 1 Novem­ber 2015. Min­istry of Health has already iden­ti­fied 25,000 Singa­pore Cit­izens and Per­man­ent Res­id­ents with ser­i­ous pre-exist­ing ill­nesses who will have to pay extra 30% extra premi­um for the next 10 years to cov­er the pre-exist­ing ill­nesses. After which, they would pay the same premi­ums as their peers. If you belong to this group, you will receive a let­ter with details about your new MediShield Life cov­er­age, premi­ums and sub­sidies, includ­ing the Addi­tion­al Premi­ums. The vari­ous sub­sidies for MediShield Life premi­ums will also apply to Addi­tion­al Premi­ums.

If you cur­rently not insured with Medishield, you will also receive the let­ter soon to inform you on the premi­ums and sub­sidies. For oth­ers, you will only receive the let­ter one month before your plan is due for annu­al renew­al from either the CPF Board (cov­er under MediShield) or your private insurer (cov­er under Integ­rated Shield Plan) with details about your premi­ums and sub­sidies for the MediShield Life com­pon­ent of your Integ­rated Shield Plan.

The broad cat­egor­ies of ser­i­ous pre-exist­ing ill­nesses are:

Those whose pre-exist­ing con­di­tions are less ser­i­ous or are well-con­trolled, such as well-con­trolled dia­betes, or hyper­ten­sion with no com­plic­a­tions, osteoarth­rit­is, pre-can­cers, fibroids or cysts or those who were hos­pit­al­ized due to a one-off event, such as an acci­dent or dengue are not sub­jec­ted to the 30% addi­tion­al premi­um.