Shield Premiums: What MediSave Pays and What You Pay in Cash

Split your Shield plan and rider premiums into MediSave and cash, year by year, up to age 85 or 90.

About You

Age next birthday

years

Insurers and the MediSave limits both go by age next birthday. Use the insured person's age.

Project to age

The plan premiums I type arePremium tables usually show both columns. If you switch, retype the figures below. The MediShield Life part is taken from MOH's table either way.

Premiums By Age Band

Yearly premiums from your insurer's table for your plan and ward class. The figures filled in are illustrations only, not any insurer's prices: replace them. Riders are always paid in cash. Only the bands you will reach are shown.

Plan, age 1-20

Rider, age 1-20

Plan, age 21-30

Rider, age 21-30

Plan, age 31-40

Rider, age 31-40

Plan, age 41-50

Rider, age 41-50

Plan, age 51-60

Rider, age 51-60

Plan, age 61-65

Rider, age 61-65

Plan, age 66-70

Rider, age 66-70

Plan, age 71-73

Rider, age 71-73

Plan, age 74-75

Rider, age 74-75

Plan, age 76-78

Rider, age 76-78

Plan, age 79-80

Rider, age 79-80

Plan, age 81-83

Rider, age 81-83

Plan, age 84-85

Rider, age 84-85

Plan, age 86-88

Rider, age 86-88

Plan, age 89-90

Rider, age 89-90

Cash you pay (estimate)–

Cash for the plan, above the MediSave limit: –
Cash for the rider: –
Paid from MediSave: –

This Policy Year

Paid from MediSave: –
Paid in cash: –
MediSave limit for the private part at this age: –

When Cash Goes Up

First age the plan itself needs cash: –
Biggest one-year jump in cash: –

–

Some plan premiums you typed are below the MediShield Life premium for that age. If you typed only the additional private part, change the first box to "Only the additional private insurance part".

Year By Year

Age next birthday	Plan premium	MediShield Life part	Private part	MediSave limit	From MediSave	Cash: plan	Cash: rider	Cash this year	Cash so far

MediSave limits for the private part ($300 at 40 and below, $600 at 41 to 70, $900 from 71). MediShield Life premiums before subsidies.

How Shield Premiums Are Paid

An Integrated Shield plan has two parts. The MediShield Life part is the national basic cover, and MediSave can pay all of it. The additional private insurance part, which buys cover for private hospitals or higher ward classes, can be paid from MediSave only up to a yearly limit that depends on age next birthday: $300 at 40 and below, $600 from 41 to 70 and $900 from 71. Anything above that is cash.

Riders, which cover some or all of the deductible and co-payment, are not part of the Shield plan. They cannot be paid from MediSave at all, so the whole rider premium is cash.

Private-part premiums climb steeply after 60 while the MediSave limit moves only twice, so the cash bill usually rises fastest in the 60s and 70s. Seeing those numbers years ahead helps you budget for them, or review your ward class or rider well before you need to.

Assumptions And Limits

Premiums are the ones you type from your insurer's premium table, at today's prices. The starting figures are round illustrations, not any insurer's prices. Insurers revise premiums from time to time, usually upwards, so later years may cost more than shown.
MediShield Life premiums come from MOH's table before subsidies, for policies starting or renewing from 1 April 2025. They are fully payable by MediSave, so subsidies change how much MediSave is used but not the cash you pay.
MediSave pays the additional private insurance part of the plan up to the Additional Withdrawal Limit for the insured person's age next birthday: $300 a year at 40 and below, $600 at 41 to 70 and $900 from 71. The rest of the plan premium, and the whole rider premium, is paid in cash.
Assumes the MediSave Account paying the premium (yours or a family member's) always has enough in it. If it runs short, more has to be paid in cash.
One row per policy year, by age next birthday. The limits are those in force on 13 November 2026 and can change. Other health policies that are not Integrated Shield plans are left out.

This calculator was built with AI tools from published rules and may contain errors. Results are estimates for education only, not financial advice and not a guarantee. Rates and rules change; confirm with the official source before you act. Your figures stay in your browser: nothing you type is sent to us.