Hi.i notice that surgical benefits under medishield claim is range from 240-2600 per surgery. does that mean that if i have surgery and medishield life will only cover the most 2600?

Yes, and only if the surgery is classified as the most serious table 7.

Usually before the patient is admitted to hospital / prepared for surgery - there will be a financial counselling process to estimate the cost of surgery (range) and stay and the kind of ward the person will be staying / how to pay (insurance, medisave, medisave life etc.).

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It's on a case-to-case basis based on the condition which might differ from ppl to ppl.

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If the surgery is compulsory and necessary -

1. we can't bargain how much we can afford to pay / for the doc to charge only up to 2.6k anyways
2. the surgery if postponed for whatever reasons, it's logical that it can only become more ex due to inflation + complexities due to delayed treatment / older (slower to heal/recover).

That said - What you have asked shld not be the question / reason to decide whether to do the surgery/procedure. Factually you won't know the expenses (medicine/tests/procedures) and whether they qualify for claim until the episode is over.
About payment / affordability - the govt hospital does allow payment in instalments / have Medifund / other schemes to help out - you can request to talk to a social worker before the procedure if you are concerned and want to prepare for the cash required.

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Medishield Life is applied at the end of surgery / ward stay etc - you/your family can constantly check w the hospital finance/bill payment to check the amount of cash you have to fork out/agree on a payment plan.

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Most of the time, Medishield life covers a large portion of the bill (based on real experiences) just that most ppl who benefitted didn't share. Hope this helps.