Singapore legislation
Regulation 18
Regulation 18
Termination or cancellation
Subregulation 1
Subject to paragraph (2), if an insured person’s integrated shield plan (called in this paragraph and paragraph (2) the earlier plan) is terminated or cancelled, the insured person’s MediShield Life cover provided by the MediShield Life Component of that earlier plan continues, with the same insurance period as applied to that earlier plan (before that earlier plan was terminated or cancelled).
Subregulation 2
If the insured person takes up another integrated shield plan (called in this paragraph the later plan) which commences immediately after the termination or cancellation of the earlier plan —
the insured person’s MediShield Life cover provided by the MediShield Life Component of the insured person’s earlier plan (called the earlier MediShield Life cover) continues as the MediShield Life Component of the later plan, with an insurance period of 12 months commencing on the same date as the later plan; and
the Board is to refund, to the person who paid the premium for the last insurance period of the insured person’s earlier plan, the pro-rated amount specified in paragraph (4).
Subregulation 3
If the insured person has a MediShield Life cover, which is not the MediShield Life Component of an integrated shield plan (called the earlier MediShield Life cover), in force immediately before the insured person takes up an integrated shield plan (called in this paragraph the later plan) —
the insured person’s existing MediShield Life cover continues as the MediShield Life Component of the later plan, with an insurance period of 12 months commencing on the same date as the later plan; and
the Board is to refund, to the person who paid the premium for the last insurance period of the insured person’s earlier MediShield Life cover, the pro-rated amount specified in paragraph (4).
Subregulation 4
The pro-rated amount referred to in paragraph (2) or (3) is the premium paid for the earlier MediShield Life cover referred to in that paragraph, pro-rated in respect of the unexpired period of the last insurance period of that earlier MediShield Life cover, falling on or after the commencement date of the later plan referred to in that paragraph.
Subregulation 5
Paragraphs (1) and (2)(a) do not apply if the insured person’s MediShield Life cover (whether or not it is the MediShield Life Component of an integrated shield plan) is terminated under regulation 5(1) or 6(1) or paragraph 2 or 4 of the Tenth Schedule, immediately after the termination or cancellation of the earlier plan referred to in paragraphs (1) and (2).
Subregulation 6
Paragraph (3)(a) does not apply if the insured person’s MediShield Life cover (whether or not it is the MediShield Life Component of an integrated shield plan) is terminated under regulation 6(1) or paragraph 2 or 4 of the Tenth Schedule, on the commencement of the later plan referred to in paragraph (3).
Subregulation 7
The MediShield Life Component which forms part of a person’s integrated shield plan may be terminated or cancelled under these Regulations, whether or not the additional private insurance coverage of that integrated shield plan is also terminated or cancelled.