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Key Points
Overview of Changes
- The Government has accepted the MediShield Life Council’s recommendations to enhance the MediShield Life scheme, aimed at better protecting Singaporeans against significant health expenses.
- Changes will be implemented progressively from April 2025.
Premium Adjustments
- Total premium increases will amount to $1.8 billion over the next three years.
- The Government will provide $4.1 billion in support measures, including:
- $3.4 billion in MediSave top-ups.
- $0.7 billion in premium subsidies.
- For over 90% of Singaporeans, the support will more than offset the premium increases.
Key Enhancements to Coverage
- Inpatient and Day Surgery Claim Limits:
- Daily claim limits for the first two days of a normal ward stay will increase from $1,000 to $1,630.
- Policy year claim limit will rise from $150,000 to $200,000.
- Outpatient Coverage:
- Significant enhancements to outpatient claim limits, including:
- Kidney dialysis claim limits will increase from $1,100 to $1,750 per month.
- Introduction of a new $500 annual outpatient deductible.
- Significant enhancements to outpatient claim limits, including:
- Coverage for New Treatments:
- Expansion to include Cell, Tissue, and Gene Therapy Products (CTGTPs), which will be covered under MediShield Life starting from October 2025.
- New outpatient treatments and home-based medical care will also be included.
Financial Support Measures
- Premium subsidies for lower- to middle-income households will increase to up to 60%.
- Enhanced MediSave top-ups for seniors, with annual top-ups ranging from $300 to $1,200.
- A MediSave Grant for Newborns will increase from $4,000 to $5,000 to cover premiums until age 21.
Pilot Financing Framework for CTGTPs
A pilot financing framework will provide means-tested subsidies of up to 75%, capped at $150,000 per treatment course for eligible patients.
Implementation Timeline
- The revised benefits and MediSave limits will be implemented progressively starting from April 2025.
- The outpatient deductible will be introduced on January 1, 2026.
Conclusion
The enhancements aim to ensure that MediShield Life continues to provide adequate and meaningful protection to Singaporeans while managing the sustainability of the scheme. See also related document about Medishield Life Council Report 2024. For more details, please check the document below:
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