# MediShield Life Premium Calculator, with CareShield Life and MediSave

Look up your MediShield Life premium by age next birthday from MOH's official table, apply means-tested subsidies, and see what MediSave covers with CareShield Life.

Interactive tool: https://lookup.sg/tools/medishield-careshield-premium-calculator

## How this works
MediShield Life premiums depend only on your age next birthday. We use the Ministry of Health's premium table for policies starting or renewing on or after 1 April 2025, which runs from S$200 a year (age next birthday 1 to 20) to S$2,826 (above 90), including 9% GST. The 2025 revision is phased in evenly to March 2028 with the total rise capped at 35%, so renewal notices during the phase-in can differ slightly.

Means-tested premium subsidies for Singapore citizens range from 15% to 60%, depending on age and household monthly income per person (S$1,500 or less, S$1,501 to S$2,600, or S$2,601 to S$3,600). They apply to homes with an annual value of S$31,000 or less, 10 percentage points lower between S$21,001 and S$31,000, and not to households with more than one property. PRs get half. Merdeka Generation seniors get an extra 5% (age next birthday 60 to 75) or 10% (76 and above).

MediSave can pay MediShield Life and CareShield Life premiums in full. CareShield Life premiums are personal to your birth year, gender and when you joined (paid each year until age 67), so enter the figure from your notice; subsidies of 30%, 25% or 20% apply for citizens in the same income bands. For an Integrated Shield Plan, MediSave pays the private part only up to S$300 a year (age next birthday 40 and below), S$600 (41 to 70) or S$900 (71 and above); the rest is cash.

## FAQs
### How much is MediShield Life per year?
Before subsidies, MediShield Life costs S$200 a year at age next birthday 1 to 20, S$295 at 21 to 30, S$503 at 31 to 40, S$637 at 41 to 50 and S$903 at 51 to 60, rising to S$2,826 above 90. These rates apply to policies starting or renewing from 1 April 2025 and include GST.

### Can I pay MediShield Life and CareShield Life with MediSave?
Yes. Both premiums can be paid in full from MediSave, including from a family member's MediSave. Only the private part of an Integrated Shield Plan has a MediSave limit (S$300, S$600 or S$900 a year by age), and riders must be paid in cash.

### Who gets MediShield Life premium subsidies?
Singapore citizens with household monthly income of S$3,600 or less per person, living in a home with an annual value of S$31,000 or less and owning no more than one property. A citizen with age next birthday 36 and household income of S$1,500 or less per person gets 25% off, paying S$377.25 instead of S$503. PRs get half the subsidy.

### How much is CareShield Life?
CareShield Life premiums depend on your birth year, gender and when you joined, and are paid every year until age 67. MOH caps the average rise at about S$38 a year (and no more than S$75) from 2026 to 2030; the exact amount is on your notice or the CPF premium checker.

### What does age next birthday mean for MediShield Life?
It is your age on your next birthday after the policy renews. If you are 35 now and turn 36 later this year, your age next birthday is 36, so you pay the S$503 rate for ages 31 to 40.

## Sources
- [MOH: MediShield Life premium and subsidy tables](https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/medishield-life/medishield-life-premium-and-subsidy-tables/)
- [CPF Board: MediShield Life premium table (PDF)](https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/MediShield%20Life%20Premium%20Table.pdf)
- [CPF Board: CareShield Life premiums and subsidies](https://www.cpf.gov.sg/member/healthcare-financing/careshield-life/careshield-premiums-and-subsidies)
- [CPF Board: MediSave limits for Integrated Shield Plan premiums](https://www.cpf.gov.sg/service/article/what-are-additional-withdrawal-limits-awls-for-integrated-shield-plan-ip-premiums)
- [MOH: CareShield Life Council recommendations (2025)](https://www.moh.gov.sg/newsroom/government-accepts-careshield-life-council-s-recommendations-to-enhance-careshield-life--provides-additional--570-million-to-subsidise-premiums/)

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Source: Lookup (https://lookup.sg) · Data as of October 2026 · Listings compiled from Singapore government open data (data.gov.sg), OneMap and Overture Maps places. Free listings never show contact details; contact details appear only on Lookup Verified listings.