--- title: "MediShield Life, Integrated Shield Plans, and CHAS in Singapore" country: singapore service: "medishield-life-chas" category: healthcare difficulty: moderate estimated_time: "MediShield Life enrollment automatic; CHAS application ~15 working days; IP purchase 2-4 weeks with underwriting" cost_range: "MediShield Life premium fully MediSave-payable for most Citizens after subsidy; IP rider and excess private-layer premium cash-payable" last_verified: 2026-05-24 canonical: https://publicservices.guide/singapore/medishield-life-chas/ status: current confidence: low tags: - healthcare - insurance - medishield - chas - medisave - cpf - singpass sources: - https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/medishield-life - https://www.cpf.gov.sg/member/healthcare-financing/medishield-life/medishield-life-premiums-and-subsidies - https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/MediShield%20Life%20Premium%20Table.pdf - https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/integrated-shield-plans - https://www.moh.gov.sg/newsroom/new-requirements-for-integrated-shield-plan-riders-to-strengthen-sustainability-of-private-health-insurance-and-address-rising-healthcare-costs - https://www.moh.gov.sg/newsroom/government-accepts-medishield-life-council-s-recommendations-to-enhance-medishield-life-scheme---government-support-more-than-offsets-premium-increases - https://www.chas.sg/eligibility-and-application - https://www.chas.sg/chas-subsidies - https://sso.agc.gov.sg/Act/MLSA2015 --- # MediShield Life, Integrated Shield Plans, and CHAS in Singapore **Country:** πŸ‡ΈπŸ‡¬ Singapore **Last verified:** 2026-05-24 **Estimated time:** MediShield Life enrollment automatic; CHAS application ~15 working days; IP purchase 2-4 weeks with underwriting **Cost:** MediShield Life premium fully MediSave-payable for most Citizens after subsidy; IP rider and excess private-layer premium cash-payable ## Required documents - **NRIC (National Registration Identity Card)** *(NRIC)* - Where to get: Issued by the Immigration & Checkpoints Authority to Singapore Citizens and Permanent Residents - Required: Original card; the NRIC number is the customer reference used by CPF Board, MOH, and hospitals for MediShield Life claims and CHAS application - _Note:_ MediShield Life enrolment is automatic at birth for Citizens and on grant for Permanent Residents β€” the NRIC is the link that lets CPF Board, hospitals, and the CHAS portal find the policy. Foreigners on Employment Pass, S Pass, or other passes do not have an NRIC and are not enrolled in MediShield Life. - **Singpass account** - Where to get: Register at singpass.gov.sg using NRIC and a Singapore-registered mobile number - Required: Active Singpass login to view MediShield Life premium and subsidy details on cpf.gov.sg, to apply for CHAS at chas.sg/apply, and to access the digital CHAS card in the Singpass app - _Note:_ The digital CHAS card sits inside the Singpass app under My Cards for cardholders aged 15 and above. Singpass is also the authentication channel for the CHAS application portal and for the CPF Board healthcare dashboard. - **Household income and Annual Value (AV) records** - Where to get: Income data pulled from the Inland Revenue Authority of Singapore; AV pulled from the Housing & Development Board or IRAS records during the CHAS application - Required: Means-testing data for the CHAS tier assessment and for the MediShield Life Premium Subsidy - _Note:_ The CHAS portal auto-pulls CPF Board and IRAS data once the applicant logs in with Singpass. The applicant submits on behalf of the entire household; members below 21 are auto-tiered on the same household assessment. If the auto-pulled data is incorrect, the cardholder can request a re-assessment via the CHAS portal. - **Insurer comparison sheet (for Integrated Shield Plan applicants)** - Where to get: Comparison of Integrated Shield Plans page on moh.gov.sg - Required: Reference document for choosing among the seven authorised insurers when buying an Integrated Shield Plan - _Note:_ Seven insurers are authorised by the Monetary Authority of Singapore and approved by MOH to offer MediSave-approved Integrated Shield Plans: AIA Singapore Private Limited, Great Eastern Life Assurance Co, HSBC Life (Singapore), Income Insurance Limited, Prudential Assurance Company Singapore, Raffles Health Insurance, and Singapore Life Limited (Singlife). The Standard IP is a regulator-defined common product across all seven; tiers above Standard are insurer-differentiated. ## Costs - **MediShield Life base premium (Citizen, fully MediSave-payable):** 0 SGD β€” Standard premium varies by age-next-birthday band; refer to the CPF MediShield Life Premium Table PDF for current figures. For most Citizens at lower- and middle-income brackets, the net premium after Premium Subsidy and Phased Support is fully payable from MediSave with nil cash outlay. - **Annual co-payment cap (minimum, rider policies, from 1 April 2026):** 6000 SGD β€” Was S$3,000 since 2018; raised to a minimum of S$6,000 per policy year from 1 April 2026 for qualifying patients on rider policies. Excludes the minimum IP deductible, which is also borne out-of-pocket from 1 April 2026 for new riders. - **Additional Withdrawal Limit β€” MediSave for IP private layer, age band 40 and below:** 300 SGD β€” Applies to the additional private coverage layer of the Integrated Shield Plan only. The MediShield Life base portion of the IP premium is separately fully MediSave-payable and does not count against the AWL. - **Additional Withdrawal Limit β€” MediSave for IP private layer, age band 41 to 70:** 600 SGD β€” Same AWL mechanism as the under-40 band, applied to the additional private coverage layer of the IP premium. - **Additional Withdrawal Limit β€” MediSave for IP private layer, age band 71 and above:** 900 SGD β€” Highest AWL band. Premium portion above the AWL plus any rider premium remains cash-payable. - **CHAS Blue per-visit subsidy ceiling β€” common illness:** 18.5 SGD β€” Up to 24 visits per calendar year, counted cross-clinic across all participating CHAS providers. Effective 1 October 2025. - **CHAS Orange per-visit subsidy ceiling β€” common illness:** 10 SGD β€” Up to 24 visits per calendar year, cross-clinic. Effective 1 October 2025. - **CHAS Blue annual cap β€” simple chronic conditions:** 320 SGD β€” Simple chronic conditions include diabetes, hypertension, and hyperlipidaemia. Per-visit subsidy ceiling up to S$80 for CHAS Blue. Effective 1 October 2025. - **CHAS Orange annual cap β€” simple chronic conditions:** 200 SGD β€” Per-visit subsidy ceiling up to S$50 for CHAS Orange. Effective 1 October 2025. - **CHAS Blue annual cap β€” complex chronic conditions:** 500 SGD β€” Complex chronic conditions include diabetes with complications and post-stroke care. Per-visit subsidy ceiling up to S$125 for CHAS Blue. Effective 1 October 2025. ## Steps ### 1. Confirm your status β€” Citizen, Permanent Resident, or foreigner - If you are a Singapore Citizen or Permanent Resident, you are already enrolled in MediShield Life. Enrolment is automatic β€” at birth for Citizens and on grant of PR status for Permanent Residents. - If you are a foreigner on an Employment Pass, S Pass, Work Permit, Long-Term Visit Pass, Student Pass, or Dependant's Pass, MediShield Life does not enrol you. Your employer-provided private medical insurance (where mandated by pass type or sector) is the substitute mechanism. - CHAS is narrower than MediShield Life: only Singapore Citizens are eligible. Permanent Residents are not eligible for CHAS. > **Tip:** The Ministry of Health describes MediShield Life as a scheme that "protects all Singapore Citizens and Permanent Residents against large medical bills for life, regardless of age or pre-existing conditions." That is the universal-coverage rule β€” pre-existing conditions and age do not exclude enrolment. ### 2. Review your MediShield Life coverage on cpf.gov.sg - Log in at cpf.gov.sg with Singpass and open the Healthcare dashboard to see your premium, subsidy details, and payment schedule. - Check the current standard premium for your age-next-birthday band against the CPF MediShield Life Premium Table PDF. Premium amounts are phased upward over the current MediShield Life Council transition window under a cumulative cap of 35%; refer to the transition timeline cited in additional items and the linked MOH announcement for the absolute dates. - Check the means-tested Premium Subsidy: for Citizens with monthly per-capita household income up to S$3,600 and Annual Value of residence up to S$31,000, subsidy can reach up to 60% of premium. Permanent Residents receive half the subsidy rate of an equivalent Citizen profile. - Verify the Pioneer Generation or Merdeka Generation subsidy if applicable β€” these are citizens-only and stack on top of the means-tested Premium Subsidy. > **Tip:** The premium table is a binary PDF β€” the file is canonical, so cite the PDF URL rather than rely on cached figures, and check the access date stamp when you open it. ### 3. Decide whether to add an Integrated Shield Plan _Applies when: Optional β€” only if you want broader ward-class scope or higher claim limits than MediShield Life base_ - Compare plans across the seven authorised insurers using the Comparison of Integrated Shield Plans page on moh.gov.sg. The authorised insurers are AIA Singapore Private Limited, Great Eastern Life Assurance Co, HSBC Life (Singapore), Income Insurance Limited, Prudential Assurance Company Singapore, Raffles Health Insurance, and Singapore Life Limited (Singlife). - Choose a ward-class tier: Standard IP (Class B1 public hospital, regulator-defined common product across all seven insurers), Class A IP (Class A public hospital, unsubsidised), or Private Hospital IP (all private hospitals plus Class A and B1 public). - Approach the chosen insurer directly or via a MAS-licensed insurance representative. Complete medical underwriting if required β€” the private layer and any rider are underwritten on health, while the MediShield Life base layer is not. - Confirm the premium quote, the MediSave-payable portion subject to the Additional Withdrawal Limit, and any cash component. - Authorise MediSave deduction via CPF Board e-services. > **Tip:** The MediShield Life base layer is not underwritten and cannot be refused. The private layer and rider may be declined or loaded by the insurer for pre-existing conditions β€” that is separate from the MediShield Life universal-pre-existing-conditions rule. > **If this fails:** Newly sold IP riders under the current MOH rules may not cover the minimum IP deductibles set by MOH. The minimum 5% co-payment on bills above the deductible remains, and the annual co-payment cap is raised to a minimum of S$6,000 per policy year for qualifying patients on rider policies. Non-compliant riders stop being sold and existing policyholders within the affected purchase window must migrate to compliant riders within the transitional window β€” refer to the cited MOH announcement in research sources and the FAQ entry for the absolute force-dates and migration deadline. ### 4. Apply for the Community Health Assist Scheme β€” Citizens only - Open chas.sg/apply and click Apply Now. Log in with Singpass β€” the applicant must be a Singapore Citizen aged 21 or above, applying on behalf of the entire household. - Verify the auto-pulled household details. CPF Board and IRAS data are pulled automatically once Singpass authenticates you; review for accuracy, especially monthly household income and the Annual Value of the home registered against your NRIC address. - Submit. Processing typically takes about 15 working days. Status can be checked by logging back into the chas.sg portal with Singpass. - Once approved, a physical CHAS card is mailed to the registered address; a digital CHAS card is also automatically available on the Singpass app under My Cards for cardholders aged 15 and above. Cards typically carry a 2-year validity. - Pioneer Generation and Merdeka Generation cards are issued automatically to qualifying Citizens by CPF Board and MOH β€” no separate application is needed. > **Tip:** The CHAS portal states the rule directly β€” "All Singapore Citizens are eligible for CHAS." Permanent Residents are not eligible, and a Permanent Resident application will be rejected. Family members below 21 are auto-tiered on the same household assessment when the Citizen applicant submits. > **If this fails:** If the auto-pulled income or Annual Value data is incorrect and the tier assignment is wrong, request a re-assessment via the chas.sg portal (Singpass-authenticated) or by writing to the CHAS Operations team with supporting income or household-composition documents. If a clinic is not on the CHAS panel, the subsidy does not apply β€” the CHAS clinic locator at chas.sg lists all participating GPs and dental clinics. ### 5. Use your coverage at admission or at the clinic visit - At admission to a public hospital or a licensed private facility, present your NRIC. The hospital files the MediShield Life claim against your cover; CPF Board settles the eligible portion directly through the integrated billing system. You do not normally submit cash receipts for reimbursement. - MediShield Life claim limits are pegged to subsidised B2/C-class ward charges at public hospitals. Use of Class A or B1 ward, or a private hospital, exceeds the standard MediShield Life claim limits and creates higher out-of-pocket exposure unless an Integrated Shield Plan top-up is in force. - Remaining balance after the MediShield Life payout, any government subsidy on ward-class fees, and any IP benefit is settled via MediSave, cash, or other approved means. - For CHAS cardholders at a participating clinic, the subsidy is applied at the point of consultation. Cross-clinic annual visit caps apply β€” for example, common illness subsidies are capped at 24 visits per calendar year cross-clinic regardless of how many participating clinics you visit. > **Tip:** MediShield Life premium is automatically deducted from MediSave by CPF Board β€” no manual action is required if the MediSave balance is sufficient. The premium is fully MediSave-payable. Only the IP private-layer portion above the Additional Withdrawal Limit and any rider premium need to be paid in cash. ## FAQ ### Am I automatically covered by MediShield Life as a Permanent Resident? Yes β€” coverage is automatic on grant of Permanent Resident status. The Ministry of Health describes MediShield Life as a scheme that "protects all Singapore Citizens and Permanent Residents against large medical bills for life, regardless of age or pre-existing conditions." What is different from a Citizen is the subsidy rate, not the coverage. A Permanent Resident pays the same standard premium as a Citizen of the same age band but receives half the subsidy rate of a Citizen with the same income and Annual Value profile, so the net premium after subsidy is higher in absolute SGD terms for a Permanent Resident than for a Citizen at the same household income and Annual Value. MediSave is available to both Citizens and Permanent Residents, so the premium can be auto-deducted from MediSave once a balance is built up through CPF contributions during employment. ### I am on an Employment Pass β€” am I covered by MediShield Life? No. MediShield Life covers Singapore Citizens and Permanent Residents only. Foreigners on Employment Pass, S Pass, Work Permit, Long-Term Visit Pass, Student Pass, or Dependant's Pass are not enrolled. Foreigners do not have a MediSave account either, since the Central Provident Fund Act 1953 limits CPF contributions to Citizens and Permanent Residents. The substitute mechanism is employer-provided private medical insurance, which is mandated for some pass types and sectors under the Employment of Foreign Manpower Act and otherwise depends on the employer's benefits package. ### Can a Permanent Resident apply for CHAS? No. The official CHAS portal at chas.sg/eligibility-and-application states the rule directly β€” "All Singapore Citizens are eligible for CHAS." Permanent Residents are not eligible. A Permanent Resident application would be rejected. Permanent Residents needing primary-care fee help rely instead on means-tested polyclinic fees and on MediSave-funded specialist outpatient claims under the Chronic Disease Management Programme where applicable. ### Which CHAS tier will I qualify for? The tier is assigned during the CHAS application based on either monthly per-capita household income (gross household monthly income divided by household members) or β€” for households without income β€” the Annual Value of the home recorded against the NRIC address. The two tests are alternatives, not cumulative. Three income-tier cards exist: - CHAS Blue β€” per-capita household income up to S$1,500, or Annual Value up to S$21,000 - CHAS Orange β€” per-capita household income S$1,501 to S$2,300, or Annual Value S$21,001 to S$31,000 - CHAS Green β€” per-capita household income above S$2,300, or Annual Value above S$31,000 Two further citizens-only cards sit above the income tiers regardless of income or Annual Value: - Pioneer Generation card β€” Citizens born on or before 31 December 1949 and citizenship acquired on or before 31 December 1986 - Merdeka Generation card β€” Citizens born between 1 January 1950 and 31 December 1959 with citizenship acquired on or before 31 December 1996, who are not in the Pioneer Generation cohort Pioneer Generation and Merdeka Generation cards are issued automatically to qualifying Citizens β€” no application is needed. ### What does the Integrated Shield Plan add on top of MediShield Life? An Integrated Shield Plan is a voluntary top-up insurance product that comprises two distinct premium components: - The MediShield Life base layer β€” the compulsory underlying coverage administered by the CPF Board. Premium fully MediSave-payable. - The additional private insurance coverage layer β€” the insurer's top-up coverage that extends the claim limits and broadens ward-class scope. Premium is split between a MediSave-payable portion (capped by the Additional Withdrawal Limit) and a cash-payable portion above that cap. A rider is a further private layer purchased separately to reduce or eliminate the policyholder's deductible and co-insurance exposure. Rider premiums are 100% cash-payable β€” MediSave cannot be used. Plans are organised by hospital ward-class coverage: Standard IP (Class B1 public hospital, regulator-defined common product across all seven insurers), Class A IP (Class A public hospital, unsubsidised), and Private Hospital IP (all private hospitals plus Class A and B1 public). Standard IP terms and claim limits are uniform across insurers and designed for cross-comparison; tiers above Standard are insurer-differentiated. ### What changes for IP riders from 1 April 2026? Per the Ministry of Health announcement dated 26 November 2025, new requirements take effect 1 April 2026 to strengthen private-health-insurance sustainability: - Minimum deductible coverage rule β€” new riders sold from 1 April 2026 may not cover the minimum IP deductibles set by MOH (approximately S$1,500 to S$3,500 per year, varying by ward-class tier). The deductible is borne from cash or MediSave where permitted, not from rider benefits. - The minimum 5% co-payment on bills above the deductible remains. - The annual co-payment cap rises from S$3,000 (in effect since 2018) to a minimum of S$6,000 per policy year for qualifying patients on rider policies. - Insurers stop selling non-compliant riders on 31 March 2026. - Policies purchased after the announcement (after 27 November 2025) must migrate to compliant riders by 1 April 2028. Existing policyholders should review their rider arrangement against the new rule and watch for the insurer's communication on compliant rider options ahead of the migration deadline. ### How much of the IP premium can I pay from MediSave? The MediShield Life base portion of any IP premium is separately fully MediSave-payable and does not count against the Additional Withdrawal Limit. The additional private coverage layer of the IP premium is MediSave-payable only up to the AWL ceiling per insured per policy year: - S$300 per year for age-next-birthday 40 and below - S$600 per year for age-next-birthday 41 to 70 - S$900 per year for age-next-birthday 71 and above Any private-layer premium above the AWL must be cash-paid. Any rider premium is 100% cash-payable β€” MediSave cannot be used for riders. The AWL is fixed by MOH policy and applies uniformly across all seven authorised insurers and all ward-class tiers. ### What happens if I default on MediShield Life premiums? Coverage remains in force throughout β€” no lapsing of coverage for Citizens or Permanent Residents. CPF Board issues reminders. Persistent default may result in last-resort recovery including deduction from earnings or income-tax-set-off, under the MediShield Life Scheme Act 2015. The unpaid premium becomes a recoverable debt; the policy itself does not lapse. ### How long does the CHAS application take? Online application via chas.sg/apply with Singpass is the preferred channel and typically takes about 15 working days to process. Status can be checked by logging back into the chas.sg portal with Singpass. Hardcopy-by-post applications are accepted as an alternative for applicants without Singpass access but have a longer processing window. Physical CHAS cards are mailed to the registered address once approved; a digital CHAS card is also automatically available on the Singpass app under My Cards for cardholders aged 15 and above. Cards typically have a 2-year validity, with renewal notices issued before expiry. ### Are overseas medical bills claimable under MediShield Life? Generally no. MediShield Life coverage is for treatment received in Singapore-licensed facilities. Coverage continues for life regardless of subsequent overseas residence, and the premium remains payable, but overseas medical bills are not claimable except in narrow scheme-specific cases. On renunciation of Permanent Resident status, coverage ends; any pre-paid premium for the unexpired period may be refunded per CPF Board policy. ## Sources - [Ministry of Health](https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/medishield-life) β€” accessed 2026-05-24 β€” _T1_ β€” MediShield Life "protects all Singapore Citizens and Permanent Residents against large medical bills for life, regardless of age or pre-existing conditions." Establishes universal compulsory enrolment for Citizens and Permanent Residents; foreigners on Employment Pass, S Pass, Work Permit, Long-Term Visit Pass, Student Pass, or Dependant's Pass are not enrolled. Last updated 26 August 2025. - [Central Provident Fund Board](https://www.cpf.gov.sg/member/healthcare-financing/medishield-life/medishield-life-premiums-and-subsidies) β€” accessed 2026-05-24 β€” _T1_ β€” Premium and subsidy architecture: Premium Subsidy of up to 60% of premium for Citizens with monthly per-capita household income up to S$3,600 and Annual Value of residence up to S$31,000 (raised from up to 50% effective 1 April 2025). Pioneer Generation Subsidy 40-60% of premium regardless of income or AV. Merdeka Generation Subsidy 5% of premium, rising to 10% from age 76. Permanent Residents receive half the subsidy rate applicable to a Citizen of the same profile. Additional Premium loading of 30% applies to persons with serious pre-existing conditions for the first 10 years only. - [Central Provident Fund Board](https://www.cpf.gov.sg/content/dam/web/member/healthcare/documents/MediShield%20Life%20Premium%20Table.pdf) β€” accessed 2026-05-24 β€” _T1_ β€” Canonical MediShield Life Premium Table β€” published as a downloadable PDF schedule listing standard premium by age-next-birthday band (under 1, 1-20, 21-30, 31-40, 41-50, 51-60, 61-65, 66-70, 71-73, 74-75, 76-78, 79-80, 81-83, 84-85, 86-88, 89-90, 90+), net premium after Pioneer Generation Subsidy, Merdeka Generation Subsidy, and means-tested Premium Subsidy, plus Transitional Subsidies and Phased Support amounts. PDF is binary at extraction β€” cited URL is canonical; refer to the PDF for current figures. - [Ministry of Health](https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/integrated-shield-plans) β€” accessed 2026-05-24 β€” _T1_ β€” Seven insurers are licensed by the Monetary Authority of Singapore and approved by MOH to offer MediSave-Approved Integrated Shield Plans: AIA Singapore Private Limited, Great Eastern Life Assurance Co, HSBC Life (Singapore), Income Insurance Limited, Prudential Assurance Company Singapore, Raffles Health Insurance, and Singapore Life Limited (Singlife). An IP comprises two components: a MediShield Life component run by the Central Provident Fund Board, and an additional private insurance coverage component run by the insurer. Plans are organised by ward-class scope: Standard IP (Class B1 public hospital, regulator-defined common product across all seven insurers), Class A IP, and Private Hospital IP. - [Ministry of Health](https://www.moh.gov.sg/newsroom/new-requirements-for-integrated-shield-plan-riders-to-strengthen-sustainability-of-private-health-insurance-and-address-rising-healthcare-costs) β€” accessed 2026-05-24 β€” _T1_ β€” Announcement dated 26 November 2025: new requirements for IP riders take effect 1 April 2026. New riders sold from that date may not cover the minimum IP deductibles set by MOH (range approximately S$1,500-S$3,500 per year depending on ward-class tier). Minimum 5% co-payment on bills above the deductible retained. Annual co-payment cap raised from S$3,000 (in effect since 2018) to a minimum of S$6,000 per policy year for qualifying patients on rider policies. Insurers stop selling non-compliant riders on 31 March 2026. Policies purchased after 27 November 2025 must migrate to compliant riders by 1 April 2028. - [Ministry of Health](https://www.moh.gov.sg/newsroom/government-accepts-medishield-life-council-s-recommendations-to-enhance-medishield-life-scheme---government-support-more-than-offsets-premium-increases) β€” accessed 2026-05-24 β€” _T1_ β€” MediShield Life Council 2025 review enhancements: cumulative premium cap of 35% spread evenly across April 2025 to March 2028. First-phase inpatient deductible increase from 1 April 2025; second-phase on 1 April 2027. New outpatient deductible takes effect from 1 June 2026. Government support package S$4.1 billion (S$3.4 billion in one-off MediSave top-ups, S$0.7 billion in additional premium subsidies). Benefit enhancements effective 1 October 2025: increased inpatient and day-surgery claim limits, increased outpatient claim limits, expanded outpatient scope, coverage for new clinically- and cost-effective high-cost treatments. - [Community Health Assist Scheme (MOH Holdings)](https://www.chas.sg/eligibility-and-application) β€” accessed 2026-05-24 β€” _T1_ β€” Eligibility ground rule on the portal β€” "All Singapore Citizens are eligible for CHAS." Permanent Residents are not eligible. Tier matrix: CHAS Blue (monthly per-capita household income up to S$1,500 or Annual Value up to S$21,000), CHAS Orange (per-capita income S$1,501-S$2,300 or AV S$21,001-S$31,000), CHAS Green (per-capita income above S$2,300 or AV above S$31,000). Pioneer Generation and Merdeka Generation cards are issued automatically to qualifying Citizens β€” both citizens-only. Application via chas.sg/apply with Singpass; processing typically about 15 working days; physical card mailed plus digital CHAS card on Singpass app for cardholders aged 15+. - [Community Health Assist Scheme (MOH Holdings)](https://www.chas.sg/chas-subsidies) β€” accessed 2026-05-24 β€” _T1_ β€” Per-visit subsidy rates effective 1 October 2025. Common illness: CHAS Blue up to S$18.50 per visit (24 visits per calendar year cross-clinic), CHAS Orange up to S$10. Simple chronic conditions: CHAS Blue up to S$80 per visit, annual cap S$320; CHAS Orange up to S$50, annual cap S$200; CHAS Green up to S$28, annual cap S$112. Complex chronic conditions: CHAS Blue up to S$125 per visit, annual cap S$500; CHAS Orange up to S$80, annual cap S$320; CHAS Green up to S$40, annual cap S$160. Dental subsidies range from consultation through restorative procedures. Helpline 1800-275-2427 (1800-ASK-CHAS), Mon-Fri 8.30 am - 6.00 pm. - [Attorney-General's Chambers β€” Singapore Statutes Online](https://sso.agc.gov.sg/Act/MLSA2015) β€” accessed 2026-05-24 β€” _T1_ β€” MediShield Life Scheme Act 2015 (Act 4 of 2015). Establishes universal coverage for Citizens and Permanent Residents, creates the MediShield Life Council, authorises CPF Board as scheme administrator, governs premium-setting and subsidy disbursement, enables information-sharing for means-testing, and provides last-resort recovery powers against persistent premium defaulters. Subsidiary legislation: MediShield Life Scheme Regulations 2015 (S 622/2015) and MediShield Life Scheme (Private Medical Insurance Scheme) Regulations 2015 (S 623/2015). MediSave operates under the Central Provident Fund Act 1953. --- Verification pending β€” see the canonical page for the latest trust state. Canonical: https://publicservices.guide/singapore/medishield-life-chas/