MediShield Life Premium Calculator Singapore
Work out your annual MediShield Life premium by age, with the government subsidy, Merdeka Generation subsidy, premium rebate and Additional Premium, and how much is left to pay from MediSave.
Your age at your next birthday. The premium is set by age band.
Total gross household monthly income divided by the number of family members. Subsidies apply at $3,600 and below.
The Annual Value of your residence. Subsidies are 10 percentage points lower from $21,001 to $31,000, and none above $31,000.
Leave blank if unsure. Older members receive rebates for premiums paid while younger.
Your MediShield Life premium
- Premium before subsidies
- Additional Premium (30%)
- $0.00
- Premium rebate
- $0.00
- Premium after rebate and Additional Premium
- $637.00
- Premium subsidy
- −$159.25
- Merdeka Generation subsidy
- $0.00
Premium subsidy at 25% of the premium.
Premiums include GST and apply from 1 April 2025. Pioneer Generation subsidies, Additional Premium Support and Integrated Shield Plan premiums are not included. CPF decides your actual premium.
In-depth guide
MediShield Life premiums from 1 April 2025: by age, subsidies and rebates
The MediShield Life annual premium by age next birthday, the premium subsidies by household income and home Annual Value, rebates, Merdeka Generation subsidies and the 30% Additional Premium.
Key figures at a glance
- Premium, age 1 to 20
- $200 a year
- GST included, policy start or renewal on or after 1 Apr 2025.
- Source: CPF Board
- Additional Premium
- 30% of the premium for 10 years
- For a serious pre-existing condition on CPF’s list.
- Source: CPF Board
- Subsidy income ceiling
- $3,600 household monthly income per person
- Lower-income up to $1,500, lower-middle $1,501 to $2,600, upper-middle $2,601 to $3,600.
- Source: CPF Board
- Annual Value for the full subsidy rates
- $21,000 or less
- 10 percentage points less from $21,001 to $31,000; none above $31,000.
- Source: CPF Board
- Merdeka Generation subsidy
- 5% (age 60 to 75), 10% (76 and above)
- Singapore Citizens born on or before 31 Dec 1959 who are not Pioneers.
- Source: CPF Board
Annual premium by age next birthday
| Age next birthday | Premium (GST included) |
|---|---|
| 1 to 20 | $200 |
| 21 to 30 | $295 |
| 31 to 40 | $503 |
| 41 to 50 | $637 |
| 51 to 60 | $903 |
| 61 to 65 | $1,131 |
| 66 to 70 | $1,326 |
| 71 to 73 | $1,643 |
| 74 to 75 | $1,816 |
| 76 to 78 | $2,027 |
| 79 to 80 | $2,187 |
| 81 to 83 | $2,303 |
| 84 to 85 | $2,616 |
| 86 to 90 | $2,785 |
| Above 90 | $2,826 |
MediSave can pay MediShield Life premiums in full.
Premium subsidies (Singapore Citizens)
For homes with an Annual Value of $21,000 or less. Those living in an Annual Value of $21,001 to $31,000 get 10 percentage points less, and above $31,000 get none.
| Age next birthday | $0 to $1,500 | $1,501 to $2,600 | $2,601 to $3,600 |
|---|---|---|---|
| 1 to 40 | 25% | 20% | 15% |
| 41 to 50 | 30% | 25% | 20% |
| 51 to 60 | 35% | 30% | 20% |
| 61 to 70 | 40% | 35% | 25% |
| 71 to 80 | 45% | 40% | 30% |
| 81 to 85 | 50% | 45% | 30% |
| 86 to 90 | 55% | 50% | 35% |
| Above 90 | 60% | 55% | 40% |
Household monthly income per person is the household’s total gross monthly income divided by the number of family members.
How the net premium is worked out
- Start with the premium for your age.
- Add the 30% Additional Premium if it applies.
- Subtract the premium rebate (older members, by entry age and age band; the figures are indicative).
- Take off the premium subsidy as a percentage of that amount.
- Take off the Merdeka Generation subsidy (5% or 10% of the premium after rebate).
Example: age 41, income $2,000 per person, Annual Value $15,000: $637 less 25% = $477.75 a year. Age 70, Merdeka, entry age 45: $1,326 − $48 = $1,278, less 35% ($447.30) and 5% ($63.90) = $766.80.
Not included
Pioneer Generation subsidies (40% to 60% by age), Permanent Resident subsidies, Additional Premium Support and Integrated Shield Plan premiums.
Related tools
- Home Protection Scheme premium estimator — HDB mortgage insurance.
- CPF contribution calculator — how much goes into MediSave.
- Silver Support checker — support for retirees.
Frequently asked questions
How much is the MediShield Life premium?
It depends on age next birthday: $200 up to age 20, $637 at 41 to 50, $903 at 51 to 60, $1,326 at 66 to 70, and $2,826 above 90, before subsidies (GST included).
Can I pay with MediSave?
Yes. MediSave can pay MediShield Life premiums in full.
Who gets premium subsidies?
Singapore Citizens with household monthly income per person of $3,600 or less living in homes with Annual Value of $31,000 or less. The subsidy is up to 60%, 10 percentage points less for Annual Value of $21,001 to $31,000.
What is the Additional Premium?
30% of the premium for the first 10 years if you have a serious pre-existing condition on CPF’s list.
Does this include my Integrated Shield Plan?
No. Ask your insurer for IP premiums.
Sources
- CPF Board — MediShield Life premiums and subsidies — Rebates, Additional Premium and worked examples.
- CPF Board — MediShield Life Premium Table — Premiums by age next birthday from 1 Apr 2025.
- CPF Board — MediShield Life Premium Subsidies — Subsidy rates by age and income for Singapore Citizens.
- CPF Board — Merdeka Generation Subsidies — Additional 5% to 10%.
This guide explains published rules in plain language. It is not financial, legal or official advice — rules change, so confirm with the agency linked above before you commit.