By MoneyBees
Work out your yearly MediShield Life premium after subsidies: the premium for your age from 1 Apr 2025, Premium Subsidies by household income per person and home annual value, the Merdeka or Pioneer Generation subsidy, and the premium rebate from age 66.
Your age on your next birthday after the policy renews.
Gross income of everyone in the household.
Income per person: $2,000.
On your IRAS property tax bill or myTax Portal.
Premium
$503
age next birthday 35
Subsidies
$100.60
20%
You pay a year
$402.40
payable from MediSave
| Step | Amount |
|---|---|
| Premium for your age | $503.00 |
| Premium Subsidy, 20% | -$100.60 |
| You pay | $402.40 |
Phased Support from the MediShield Life Fund, given for two policy years from 1 Apr 2025, can lower this further. MOH does not publish the amount per person, so it is left out.
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Yearly, before subsidies, including GST.
| Age next birthday | Premium |
|---|---|
| 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 88 | $2,785 |
| 89 to 90 | $2,785 |
| Over 90 | $2,826 |
By household monthly income per person, for homes with an annual value up to S$21,000.
| Age next birthday | Up to S$1,500 | S$1,501 to S$2,600 | S$2,601 to S$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% |
| Over 90 | 60% | 55% | 40% |
Annual value S$21,001 to S$31,000: 10 points less. Above S$31,000, or more than one property: none. PRs get half the citizen rate.
A citizen aged 35 next birthday lives in a household of 4 earning S$8,000 a month, so S$2,000 per person, in an HDB flat with an annual value of S$15,000. The premium is S$503. The subsidy for ages 31 to 40 at that income is 20%, or S$100.60, so the yearly premium is S$402.40, all payable from MediSave.
CPF's own example: a Merdeka Generation senior aged 70 next birthday has a S$1,100 premium and a S$32 rebate, so S$1,068 before subsidies. A 35% Premium Subsidy and 5% Merdeka subsidy take off S$427.20, leaving S$640.80.
Figures checked 3 Oct 2026.
It depends on your age next birthday. From 1 Apr 2025 the yearly premium, including GST, runs from S$200 for ages 1 to 20 and S$503 for 31 to 40, to S$1,326 for 66 to 70 and S$2,826 above 90, before subsidies.
Households with a monthly income per person of S$3,600 or less, living in a home with an annual value of S$31,000 or less, and owning no more than one property. Citizens get 15% to 60% depending on age and income, or 10 percentage points less (5% to 50%) if the home's annual value is S$21,001 to S$31,000. PRs get half the citizen rate.
Add the gross monthly income of everyone in the household and divide by the number of family members. A household of 4 earning S$8,000 has S$2,000 per person.
Yes. Up to S$21,000 you get the full subsidy rate. From S$21,001 to S$31,000 you get 10 percentage points less. Above S$31,000 there is no Premium Subsidy.
Merdeka Generation seniors get an extra 5% from 60 to 75 next birthday and 10% from 76, on top of Premium Subsidies. Pioneers get 40% to 60% depending on age. Both apply whatever your income or home.
Yes. The premium can be paid in full from MediSave.
If you have a listed serious pre-existing condition, such as cancer or a past stroke, you pay 30% more for the first 10 years. After that you pay the standard premium for your age.
An Integrated Shield Plan includes the MediShield Life part, and your insurer tells you your full premium. This calculator covers only the MediShield Life part.
Each amount is rounded to the cent, as in CPF Board's worked examples. The premium is payable from MediSave.
These calculators provide general estimates for educational purposes only and are not personalised financial advice. Results may rely on rates and rules that change over time, so verify against official sources (IRAS, CPF Board, HDB, MAS) or consult a licensed financial adviser before making decisions.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).