Managing chronic health conditions in Singapore requires a clear understanding of the available health insurance options. Both national schemes and private insurers offer various levels of coverage to support individuals with long-term medical needs.

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MediShield Life: National Coverage

MediShield Life is Singapore’s universal health insurance scheme, providing lifetime coverage for all citizens and permanent residents, regardless of pre-existing conditions. It assists in covering large hospital bills and specific costly outpatient treatments, such as dialysis and chemotherapy. 

However, for certain serious pre-existing conditions, policyholders are required to pay an additional 30% premium for the first 10 years, after which standard premiums apply.

Learn more: Coverage for Pre-existing Conditions

MediSave and the Chronic Disease Management Programme (CDMP)

To help manage outpatient costs for chronic conditions, Singapore launched the Chronic Disease Management Programme (CDMP). This program allows patients to use their MediSave funds for outpatient treatments of approved chronic illnesses. 

Since January 2021, those with complex chronic conditions can withdraw up to S$700 per year, while others can access up to S$500 annually. Patients must cover 15% of each claim in cash.

Private Health Insurance Options

While MediShield Life offers basic coverage, many individuals opt for private health insurance plans to enhance their protection. These plans often provide more comprehensive benefits, including coverage for outpatient treatments, specialist consultations, and alternative therapies. 

It’s essential to review each policy carefully, as coverage for chronic conditions varies among insurers. Some plans may exclude certain conditions or impose waiting periods. 

For instance, Allianz Care offers core plans that include coverage for chronic medical conditions, but specifics depend on the chosen policy.

Healthier SG Chronic Tier

In February 2024, Singapore launched the Healthier SG Chronic Tier to ensure the affordability of common chronic medications. 

Under this framework, residents enrolled at Healthier SG General Practitioner clinics receive subsidized rates for selected chronic medications, comparable to polyclinic prices. This initiative aims to make essential treatments more accessible and affordable for those managing chronic illnesses.

Find a Trusted Financial Consultant For Your Health Insurance Needs

Understanding health insurance coverage for chronic conditions in Singapore means exploring both public and private options. While MediShield Life and MediSave offer basic support, private insurance can provide additional benefits tailored to your needs. 

Staying informed about initiatives like the Healthier SG Chronic Tier ensures access to affordable medications and treatments.

If you need assistance in selecting the right health insurance plan in Singapore, contact us to connect with a trusted financial consultant who can guide you through your options.