Singapore Guide · Healthcare
Singapore's healthcare costs are shared through several layers, and different rules apply to Citizens, PRs and foreigners. The Q&As below outline the basic framework.
FAQ
How are medical bills usually paid in Singapore?
Medical costs in Singapore are shared through several layers: government subsidies for Citizens and PRs; MediSave pays part of the bill; MediShield Life covers large bills; those who still have difficulty can apply for MediFund assistance; the remainder is paid by the patient.
Source: Ministry of Health, MOH (moh.gov.sg) (website: moh.gov.sg)
What is MediShield Life?
It is a government basic health insurance plan covering all Singapore Citizens and PRs for life. It mainly covers large hospital bills and some costly outpatient treatments, and is designed around subsidised ward costs. Premiums can be paid with MediSave.
Source: MOH; CPF Board (website: cpf.gov.sg, moh.gov.sg)
Do foreigners receive healthcare subsidies in Singapore?
Foreigners on passes do not receive government healthcare subsidies; public hospitals charge them unsubsidised rates, which are considerably higher overall than for Citizens and PRs. For some work pass categories, employers are required by law to buy medical insurance for their employees, as stipulated by the Ministry of Manpower.
Source: MOH; Ministry of Manpower, MOM (mom.gov.sg) (website: moh.gov.sg, mom.gov.sg)
What is CareShield Life?
It is a government long-term care insurance scheme. Citizens and PRs born in 1980 or later are automatically covered; if the insured becomes severely disabled, monthly cash payouts are provided to help with long-term care costs.
Source: MOH; careshieldlife.gov.sg (website: moh.gov.sg, careshieldlife.gov.sg)
Data as read on 1 October 2026. Policies may change; please refer to the latest official announcements, and consult a professional for your own situation.
Official references
- MOH: MediShield Life, MediSave and MediFund www.moh.gov.sg (Search the site for: MediShield Life / MediSave / MediFund)
- CareShield Life: CareShield Life www.careshieldlife.gov.sg
- MOM: Medical insurance requirements for foreign workers www.mom.gov.sg (Search the site for: medical insurance requirements for foreign workers)
Policies may change; please refer to the latest official announcements.
Other categories
Financial Planning Basics · CPF · Tax · Work Passes and Residency · Setting Up a Company · Bank Accounts · Children's Education · Family Arrangements · Family Offices · Insurance guides
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