Loading…
CMFASPrepStudyingRES5
Switch exam
Financial advisory
RES5Financial Advisory Services✓In 2024, a MediShield Life member in Class C was admitted twice in the same policy year. The Class C deductible for those aged 80 and below was then S$1,500 and, under MediShield Life, the deductible is payable only once every policy year. His first admission had a claimable amount of S$5,000 and his second S$6,000 (both fully exceed the deductible). On which admission(s) is the deductible applied, and what total deductible does he bear for the year?
The MediShield Life deductible is payable only once per policy year. It is met on the first admission that reaches it, so the S$1,500 is borne on the first admission; the second admission in the same policy year is not subject to a further deductible. Total deductible for the year = S$1,500. The once-per-policy-year rule is unchanged from 1 April 2025, when the Class C deductible (age 80 and below) rose to S$2,000 (CPF Board, MediShield Life payouts; MOH, MediShield Life 2024 Review).
Re-applying the deductible to each admission (S$3,000) ignores the once-per-policy-year rule; the deductible is not waived just because the bills exceed it, and it attaches to the first qualifying claim, not the larger one.
Practise more HI Healthcare System & Financing questions
Exam-style questions with worked answers, then full timed mocks. Free to start.
Try a timed set: sit the free CMFAS mock exam, 5 questions with no sign-up. Or see the passes for the full question bank.
Build a daily practice habit — a few exam-style questions a day, with worked answers. Free to start.
Start practising →Original study material mapped to the public CMFAS HI syllabus. Unofficial, not endorsed by MAS or SCI. Verify figures and rules against current guidance before relying on them.