25,000 Singapore Residents to pay extra 30% MediShield Life premium

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:

Broad cat­egor­ies Indic­at­ive examples (not exhaust­ive)
Can­cer Lung can­cer, colorectal can­cer, breast can­cer, stom­ach can­cer
Blood dis­orders Parkinson’s dis­ease, Mus­cu­lar dys­trophy, Amyotroph­ic lat­er­al scler­osis (ALS)
Heart or oth­er cir­cu­lat­ory sys­tem dis­eases Heart attack, Coron­ary artery dis­ease, Chron­ic ischaem­ic heart dis­ease
Cerebrovas­cu­lar dis­eases Stroke
Res­pir­at­ory dis­eases Chron­ic obstruct­ive pul­mon­ary dis­ease
Liv­er dis­eases Alco­hol­ic liv­er dis­ease , Chron­ic hep­at­it­is, Fibrosis or cir­rhosis of liv­er
Autoimmune/ Immune Sys­tem dis­eases Sys­tem­ic lupus eryth­em­atosus, Human Immun­ode­fi­ciency Virus/ Acquired Immune Defi­ciency Syn­drome (HIV/ AIDS)
Ren­al dis­eases Con­gen­it­al heart dis­ease, Con­gen­it­al ren­al dis­ease, Bil­i­ary atresia
Psy­chi­at­ric con­di­tions Schizo­phrenia
Chron­ic con­di­tion with ser­i­ous com­plic­a­tions Hyper­tens­ive heart dis­ease, Hyper­tens­ive kid­ney dis­ease, Dia­betes with kid­ney com­plic­a­tions, Dia­betes with eye com­plic­a­tions

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.