According to Mr. Eddy Cheong, CEO of insurance company Havend, the changes to MediShield Life mean that customers will receive more protection in the form of higher state limitations, which will increase by S$ 50, 000 to S$ 200, 000.
” It also means taking care of expensive treatments like body cell and gene therapy products, as well as high-cost drug treatments,” he said.
Customers can be certain that nine or ten of the subsidized costs will be covered by MediShield Life in subordinated wards. Therefore, customers should benefit from this.
” But with all this higher increase in gains, that will lead to higher payments,” the statement reads.
Deductibles, or what is incurred out of pocket before an individual’s insurance program covers the remaining fees, are also expected to rise.
Depending on hospital group and time, premiums now range between S$ 1, 500 and S$ 3, 000. This could increase by another S$ 1,500 in two decades.
On January 1, 2026, a new outpatient threshold of S$ 500 per month will also be implemented, making patients have to pay more for regular-sized bills.
The authorities will provide an extra S$ 4.1 billion in aid steps over the next three times to lessen the impact of higher rates on Singaporeans.  ,
This package includes S$ 3.4 billion in MediSave additions and S$ 0.7 billion in prime incentives.
The more MediSave top-ups, incentives, and support will “more than offset” the” combined S$ 1.8 billion in additional rates over the next three years,” according to MOH for more than nine in ten Singaporeans.