# 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.

- Tool: [MediShield Life Premium Calculator](https://toolsg.com/en/medishield-premium-calculator)
- Language: en (available: en, zh)
- Last verified against official sources: 2026-10-30
- Source site: ToolSG — a planning guide, not official or financial advice. Cite the agencies listed under Sources.

## Key figures at a glance

| Fact | Value | Source |
| --- | --- | --- |
| Premium, age 1 to 20 | $200 a year — GST included, policy start or renewal on or after 1 Apr 2025. | [CPF Board](https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/MediShield%20Life%20Premium%20Table.pdf) |
| Premium, age 41 to 50 | $637 a year — Before subsidies. | [CPF Board](https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/MediShield%20Life%20Premium%20Table.pdf) |
| Premium, above age 90 | $2,826 a year — Before subsidies. | [CPF Board](https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/MediShield%20Life%20Premium%20Table.pdf) |
| Additional Premium | 30% of the premium for 10 years — For a serious pre-existing condition on CPF’s list. | [CPF Board](https://www.cpf.gov.sg/member/healthcare-financing/medishield-life/medishield-life-premiums-and-subsidies) |
| 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. | [CPF Board](https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/MediShield_Life_Premium_Subsidies.pdf) |
| 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. | [CPF Board](https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/MediShield_Life_Premium_Subsidies.pdf) |
| 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. | [CPF Board](https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/Merdeka%20Generation%20Subsidies.pdf) |

## 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

1. Start with the premium for your age.
2. Add the **30% Additional Premium** if it applies.
3. Subtract the **premium rebate** (older members, by entry age and age band; the figures are indicative).
4. Take off the **premium subsidy** as a percentage of that amount.
5. 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](https://toolsg.com/en/hps-premium-estimator) — HDB mortgage insurance.
- [CPF contribution calculator](https://toolsg.com/en/cpf-calculator) — how much goes into MediSave.
- [Silver Support checker](https://toolsg.com/en/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](https://www.cpf.gov.sg/member/healthcare-financing/medishield-life/medishield-life-premiums-and-subsidies) — Rebates, Additional Premium and worked examples.
- [CPF Board — MediShield Life Premium Table](https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/MediShield%20Life%20Premium%20Table.pdf) — Premiums by age next birthday from 1 Apr 2025.
- [CPF Board — MediShield Life Premium Subsidies](https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/MediShield_Life_Premium_Subsidies.pdf) — Subsidy rates by age and income for Singapore Citizens.
- [CPF Board — Merdeka Generation Subsidies](https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/Merdeka%20Generation%20Subsidies.pdf) — Additional 5% to 10%.