Just Becoming a PR? These Are the Insurance Plans That You'll Get!

🏥 MediShield Life:

• Automatically covers all Singapore Citizens (SCs) and Singapore Permanent Residents (SPRs).

• Covers large medical bills for life, irrespective of age or health conditions.

• Claim limits are designed for subsidised bills in class B2/C wards, day surgery, and selected costly outpatient treatments (e.g., dialysis and chemotherapy) in public hospitals.

• Additional coverage for Class A/B1 wards or private hospitals can be obtained through Integrated Shield Plans (IP).

• Pre-existing medical conditions are covered, with a nominal Additional Premium of 30% for serious conditions listed on the MOH website for the first 10 years.

• Premiums can be paid from own or family members' MediSave, and MediSave Grant for newborns can be utilized for MediShield Life premiums.

🏥 CareShield Life:

• Guaranteed renewable annually with worldwide coverage.

• Minimum entry age of 30 years old, no maximum entry age.

• Features increasing payouts over time with no cap on payout duration for better protection against long-term care costs in case of severe disability.

• Lifetime cash payouts for severely disabled policyholders, increasing until age 67 or when a claim is made.

• Fully payable by MediSave.

• Supplements available for higher long-term care insurance coverage, enhancing basic CareShield Life plan benefits.

• Policy termination upon loss of Singapore Citizen or SPR status.

💼 Dependants’ Protection Scheme (DPS):

• Low-cost term-life, opt-out insurance scheme.

• Provides basic coverage of up to S$46,000 to insured family in the event of death or total and permanent disablement (TPD).

🏥 MediShield Life：

• 自动覆盖所有新加坡公民（SCs）和新加坡永久居民（SPRs）。

• 无论年龄或健康状况如何，提供终身覆盖大额医疗账单。

• 索赔限额仅针对公立🏥的B2/C病房、日间手术以及部分昂贵的门诊费用（如透析和化疗）的账单。

• 额外的保障可以通过Integrated Shield Plan（IP）获得，以覆盖A/B1病房或私立医院的费用。

• 保障投保前已存在的健康状况。但对于卫生部网站上列出的严重疾病，需要在前10年额外支付30%的保费。

• 保费可以由自己或家庭成员的MediSave支付，新生儿的医保津贴（MediSave Grant）也可用于支付其保费。

🏥 CareShield Life：

• 提供每年保zheng续保和全球的覆盖范围。

• 最低加入年龄为30岁，并无年龄限制。

• 保额会逐年增加，也没有支付期限的上限以更好地保护严重残疾的长期护理成本。

• 支付给严重残疾的投保人的终身赔付金额会逐年增加，直至67岁或提出索赔。

• 可完全由医保（MediSave）支付。

• 可购买额外的补充（Supplements）以增加基本CareShield Life长期护理保险的福利。

• 在失去新加坡公民或永久居民身份时将被终止保单。

💼 被扶养人保障计划（DPS）：

• 低成本的定期寿险，也可选择退出的保险计划。

• 在死亡或全残时为被保家庭提供最高$46,000的基本保额。