Schedule 10

The following provisions do not apply to a person to whom section 35 of the Act applies:

section 4(1)(c)(ii) and (2)(b) of the Act;

regulations 4 (Commencement of insurance cover), 5 (Termination of insurance cover), 6 (Cancellation of insurance cover), 10 (Payment of premium) and 11 (Refund of premium).(2) In this Schedule, “insured person” means a person insured under the Scheme under section 35 of the Act.Automatic termination2.—

Despite regulation 19(1), where the last day of the last policy year of an insured person’s integrated medical insurance plan with a MediShield Component is on 31 October 2015 and the insured person is not a citizen or permanent resident of Singapore on 1 November 2015, the MediShield Component ceases immediately before 1 November 2015 and is not replaced by any MediShield Life Component.(2) Where the last day of the last policy year of an insured person’s integrated medical insurance plan with a MediShield Component is on or after 1 November 2015 —

the integrated medical insurance plan continues as an integrated shield plan with a MediShield Life Component for the unexpired period of the integrated medical insurance plan; and

the MediShield Life Component is terminated and will not be renewed after the end of the period referred to in sub-paragraph (a), unless the insured person is a citizen or permanent resident of Singapore immediately after the end of that period.Payment of premium3.—

Unless the Board decides to apply any other provision of this paragraph, the premium payable for any insurance period of an insured person is to be deducted from —

the insured person’s medisave account; or

a CPF member’s medisave account —

if the insured person is a dependant of the CPF member; and

the Board has approved an application by the CPF member for payment of that premium from the CPF member’s medisave account.(2) Subject to sub-paragraph (3), if the premium for —

a previous insurance period of an insured person; or

a policy year of an insured person’s pre-existing MediShield cover which was replaced, under these Regulations or the MediShield Life Scheme (Private Medical Insurance Scheme) Regulations 2015, by the insured person’s MediShield Life cover,was deducted from the medisave account of a CPF member who is not the insured person, the Board may continue to deduct the premium for each subsequent insurance period of the insured person’s MediShield Life cover from the medisave account of that CPF member.(3) If the amount standing to the insured person’s credit in the insured person’s medisave account, after the insured person attains 21 years of age, is sufficient to pay the premium for the next insurance period of the insured person, the Board may —

cease to deduct the premium for that insurance period and any subsequent insurance period of the insured person from the medisave account of a CPF member under sub-paragraph (2); or

if the CPF member authorises the Board in writing, continue to deduct the premium from the CPF member’s medisave account.(4) The Board may deduct the premium payable for the insured person’s MediShield Life cover from the medisave account of a CPF member under sub‑paragraph (1) or (2) only if the amount standing to the credit of the member’s medisave account is sufficient to pay the premium.(5) A CPF member may, by giving notice to the Board, withdraw from paying, from the amount standing to that member’s credit in that member’s medisave account, the premium for any insurance period of an insured person’s MediShield Life cover.(6) If the Board has received, from a CPF member, a notice under sub-paragraph (5) to withdraw from paying the premiums for any insurance period of an insured person, the Board must not deduct payment of the premium for that insurance period from the CPF member’s medisave account.(7) The Board may —

refund to the CPF member’s medisave account the whole or such part, as the Board may determine, of any amount deducted from a CPF member’s medisave account to pay for any premium of an insured person; and

also pay into the medisave account of the CPF member, the whole or such part, as the Board may determine, of the interest that would have been payable on the amount of the refund under sub‑paragraph (a) if that amount had not been deducted from the CPF member’s medisave account.(8) Despite sub-paragraph (4), where the premium payable for any insurance period of an insured person is to be deducted from a CPF member’s medisave account, and the amount standing to the CPF member’s credit in the medisave account is insufficient to pay the premium, the Board may permit any deficiency to be paid in such manner as the Board thinks fit, subject to such terms and conditions as the Board may impose.(9) The Board may cancel its approval for payment of a premium for the MediShield Life cover of an insured person to be deducted from a CPF member’s medisave account if —

the deduction from the CPF member’s medisave account breaches these Regulations or the MediShield Life Scheme (Private Medical Insurance Scheme) Regulations 2015; or

the insured person or the CPF member made a false representation to the Board, or furnished the Board with any false information, in connection with the application for payment of a premium for the MediShield Life cover of an insured person to be deducted from the CPF member’s medisave account.(10) If the Board’s approval for payment of premiums for the MediShield Life cover of an insured person to be deducted from a CPF member’s medisave account is cancelled under sub-paragraph (9) —

a CPF member must, if required by the Board, refund to the CPF member’s medisave account the amount of moneys withdrawn from that account, which could not have been withdrawn if the cancelled approval had not been given (called the affected moneys); or

the Board may —

refund from the Fund to the CPF member’s medisave account the affected moneys paid as premiums for the insured person’s MediShield Life cover; and

require payment of the resulting shortfall in the premiums under section 6 of the Act or in accordance with the other provisions of this regulation.(11) Despite sub‑paragraph (10)(a), if the CPF member has paid the affected moneys to an insurer —

the insurer must transfer the moneys to the Board; and

the Board must refund the moneys, transferred in sub‑paragraph (a), to the CPF member’s medisave account.(12) Paragraph 5 applies instead of sub-paragraph (10) if the insured person’s MediShield Life cover has been terminated or cancelled.(13) In this paragraph, “insurance period of an insured person” means an insurance period of an insured person’s MediShield Life cover.Termination or cancellation of insurance cover4.—

An insured person’s MediShield Life cover is terminated and ceases on the earliest of the following times:

immediately after the last day of the insurance period of the insured person’s MediShield Life cover unless the insurance cover is renewed under paragraph 6;

when the insured person’s insurance cover ceases under sub‑paragraph (2), (3) or (4);

immediately after the day when the insured person dies.(2) Subject to sub-paragraph (3), where an insured person gives written notice to the Board to terminate that person’s MediShield Life cover, that person’s insurance cover ceases —

if a date is specified in the notice as the last day of the insurance cover, immediately after that date, or immediately after the date on which the Board receives the written notice, whichever is the later;

if no date is specified in the notice as the last day of the insurance cover, immediately after the day on which the Board receives the written notice; or

despite sub-paragraphs (a) and (b), on such later date, as soon as practicable and not later than the day after the end of the insurance period of the insurance cover, as determined by the Board.(3) Subject to sub-paragraphs (4) and (5), if an insured person with MediShield Life cover (called the earlier plan) is subsequently insured under any medisave-approved plan (called the later plan), then immediately before the person’s insurance cover under the later plan commences, the earlier plan is terminated and ceases.(4) Subject to sub-paragraph (5), if the Board reinstates the earlier plan —

the earlier plan continues as if it had not ceased under sub‑paragraph (3), on such terms and conditions as the Board may require; and

the later plan is terminated on the date that the insured person’s earlier plan is reinstated.(5) If a claim has been made under the earlier plan, the Board may postpone the termination of the earlier plan to a date specified by the Board.(6) The Board may cancel an insured person’s MediShield Life cover if —

the Board has reason to believe that —

the insured person is incapacitated, or is suffering from a terminal illness or disease, before the commencement date of the person’s pre-existing MediShield cover; or

the insured person lacks capacity within the meaning of section 4 of the Mental Capacity Act 2008, and the insured person’s lack of capacity is likely to be permanent, before the commencement date of the person’s pre‑existing MediShield cover;[S 403/2023 wef 31/12/2021][S 403/2023 wef 31/12/2021](b)the insured person, or any CPF member who applied for the insured person’s pre-existing MediShield cover —

made or furnished to the Board any statement or fact that is false or misleading in a material particular; or

failed to disclose to the Board any material facts,which if known to the Board, would have reasonably affected the Board’s decision to issue the insured person’s pre-existing MediShield Life cover; or

where the insured person’s MediShield Life cover is the MediShield Life Component of the insured person’s integrated shield plan, the insurer has cancelled the insured person’s integrated shield plan.(7) Where the Board cancels an insured person’s MediShield Life cover under sub-paragraph (6), the insured person is, on such cancellation, taken never to have been insured under the Scheme.Refund5.—

Where an insured person’s MediShield Life cover ceases under paragraph 4(1)(c) or is terminated under paragraph 4(2) or (3), the Board must refund the amount of the premium pro-rated in respect of the unexpired period of the insured person’s MediShield Life cover.(2) Where an insured person’s MediShield Life cover is cancelled under paragraph 4(6), the Board must refund all the premiums paid for the insurance cover.(3) If any claim has been made under the person’s MediShield Life cover before the insurance cover is cancelled under paragraph 4(6), the Board must refund the premiums paid for all the insurance periods after the insurance period in which the last claim was made under the person’s MediShield Life cover.(4) Where an insured person’s MediShield Life cover is cancelled under paragraph 4(6)(a), in addition to the refund under sub-paragraph (2) or (3), the Board may refund the whole or such part, as the Board may determine, of the interest that would have been payable on the amount of the refund if that amount had not been deducted from the medisave account of the person who paid the premium.(5) Any refund of a premium under this paragraph is to be paid into the medisave account of the person who paid the premium.Renewal of insurance cover6.—

The insured person’s MediShield Life cover is renewed for an insurance period starting immediately after the expiry of the last insurance period for which the premium has been paid.(2) If, at the time of renewal of an insured person’s MediShield Life cover or on such later date as the Board may determine, the amount standing to the credit of the insured person in that person’s medisave account is insufficient to pay the premium payable for the insured person’s MediShield Life cover, the insurance cover is not renewed.(3) Despite sub-paragraph (2), on the application of the insured person or an approved payer for the insured person’s MediShield Life cover, the Board may renew the insurance cover, subject to such terms and conditions as the Board may impose.(4) In this paragraph, “approved payer”, in relation to an insured person, means a CPF member from whose medisave account the premiums of the insured person’s MediShield Life cover or medisave-approved plan are to be paid.Reinstatement of MediShield Life cover7.—

A person’s insurance cover terminated or cancelled under paragraph 2 or 4 may, with the Minister’s approval, be reinstated for any period and subject to any terms and conditions specified by the Board.(2) If a person’s insurance cover is reinstated under sub-paragraph (1), the Board may take all necessary steps to restore the person’s position under the Scheme, including all or any of the following steps:

adjust the amount standing to the credit of the person or the person who had paid the person’s premium for MediShield Life cover in the person’s medisave account, including the payment or deduction of any interest relating to the amount adjusted;

adjust the amount standing in the MediShield Life Fund;

recover any shortfall in the premium paid in accordance with section 6 of the Act;

pay any benefit that should have been paid.