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Supporting your health protection needs for the longer term

MediShield Life changes from 1 March 2021

From 1 March 2021, MediShield Life (MSHL) benefits will be enhanced to ensure that the scheme continues to provide adequate and meaningful protection to Singaporeans. Its premiums will be adjusted in tandem to support the rising number of claims and payouts as well as the benefit changes. These enhancements will also help ensure that MediShield Life remains sustainable in the coming years.

To help cushion the impact for the premium adjustments in the first two years, a one time COVID 19 Subsidy for MSHL premiums will be introduced by the Government. For Singapore Citizens, 70% of the net increase in premiums in the first year will be subsidised , followed by 30% in the second year. Taken together with the existing premium support measures, the net premium increases for all Singapore Citizens will be kept to no more than about 10% in the first year.

For our Integrated Shield Plan customers, the premiums will be adjusted under the MediShield Life component from 1 March 2021. You can refer here for the summary of changes and premium adjustment.

You can refer to the Ministry of Health announcement for full details on the changes.

Product Summary Summary of MSHL changes and Premium Adjustment

Health Connect

Being in good health is key to leading a quality life. However, there may be times when medical care is required due to unforeseen ailments and illnesses.

The process of getting the right medical care can be challenging – emotionally and financially – from which specialist to consult with to how much the treatment is likely to cost and how much your insurance covers.

Exclusively for our Integrated Shield plans’ customers, your medical expenses can be pre-authorised even before your hospital stay, so that you can focus on a speedy recovery.

With Health Connect, an exclusive call-in service, we can assist you to schedule an appointment with your preferred specialists across more than 20 medical specialties as well as providing assurance on your health experience should you need a medical surgery or treatment in hospital.

Alternatively, you can speak to your Financial Representative or contact us to find out more. Contact us now

The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites ( or

Information correct as at 31 May 2021.