Anonymous

Edited 01 Dec 2022

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With the new Cancer Drug List (CDL) introduced and increased GST, premiums for Integrated Shield Plans are getting more expensive. Does anyone has any tips on how to optimise healthcare insurance?

Revised Coverage for Cancer Drug Treatments and Introduction of the Ministry of Health’s (MOH’s) Cancer Drug List (CDL)

To ensure greater affordability of cancer treatments and the long-term sustainability of premiums, MOH has developed a Cancer Drug List (CDL) comprising clinically proven and more cost-effective cancer treatments.

From 1 September 2022, MediShield Life (MSHL) and MediSave (MSV) will only cover treatments on the CDL. For all Integrated Shield Plans (IPs), the CDL will take effect from 1 April 2023, upon the renewal of your policy. Customers with riders can claim for selected cancer drug treatments beyond the CDL. These changes were announced by MOH on 17 August 2021 and recapped in a press release on 2 September 2022.

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Germaine Wang

09 Mar 2023

Senior Financial Consultant at Great Eastern

Hi! All Medishield Life and Integrated Shield Plans from your private insurer will only be allowed to reimburse for CDL drugs and treatment. The diffference comes in your shiels plan RIDER. Different insurers provide different non CDL claim limits for both non CDL drugs and treatments.

From what I know, Great Eastern has the highest allowance for both CDL and non CDL hospital claims 👍

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Why is it with the introduction of Cancer Drug List, premium of integrated shield plans has to increase?

Hi. understand that from next year integrated shield plan will only cover cancer treatment and drug on MOh drug list. What is the recommended CI coverage to cover alternative treatments etc.

Does anyone have any insurance advice for a 23 year-old self-employed woman with just Medishield Integrated Shield Plan? Is my insurance cover enough?

What additional insurance should I get besides Integrated Shield Plan? Most recommend term-life and investing, but I'm uncomfortable with not having coverage after 65yo. Any comments on a whole-life plan with early critical care rider. 25-30yo.?

Is it possible to get an outpatient health plan in Singapore for GP, specialist consultation etc on top of the current Medisave-approved integrated shield plans offered by a private insurer?