Singapore legislation
Schedule 3
Schedule 3
THIRD SCHEDULERegulations 2(1) and 12(2)Excluded Treatment, service or item
1. Treatment for or in respect of —
any contraceptive operation or procedure;
infertility, sub-fertility or assisted conception; or
sex re-assignment surgery,other than any surgical procedure received by a female patient —
where the female patient has potential iatrogenic infertility — to extract any egg or ovarian tissue from the female patient, for the purposes of freezing the egg or ovarian tissue or any embryo created from the egg; or
where the female patient has potential iatrogenic infertility or develops iatrogenic infertility after an extraction mentioned in paragraph (d) — to reimplant any ovarian tissue extracted from the female patient.[S 323/2026 wef 01/06/2026]2. Any surgical treatment or surgical implant for or in respect of the following conditions:
trisomy 13;
trisomy 18, with an admission date before 1 November 2018;[S 731/2018 wef 01/11/2018](c)bilateral renal agenesis;
Bart’s hydrops;
alobar holoprosencephaly, with an admission date before 1 November 2018;[S 731/2018 wef 01/11/2018](f)anencephaly.
3. Cosmetic surgery for self-beautification.
4. Dental work or dental treatment, except approved dental treatment. 5. Outright purchase of kidney dialysis machines, iron-lung and other special appliances.
6. Optional items such as television, telephone, special requested meals and other items which are not necessary for the treatment of any illness, condition or any injury or disability.
7. Private nursing.
8. Ambulance services.
9. Vaccination.
10. Treatment for injuries or disablement, directly or indirectly, resulting from —
suicide, attempted suicide or intentional self-injury by the insured person, with an admission date before 1 March 2021;[S 135/2021 wef 26/02/2021](b)deliberate exposure by the insured person to exceptional danger (except in an attempt to save human life);
the insured person’s own criminal act;
drug addiction or alcoholism or the insured person being under the influence of drugs or alcohol, with an admission date before 1 March 2021;[S 135/2021 wef 26/02/2021](da)addiction to any controlled drug that is specified in the First Schedule to the Misuse of Drugs Act 1973 or the insured person being under the influence of any such controlled drug; or[S 135/2021 wef 26/02/2021][S 403/2023 wef 31/12/2021](e)the insured person’s direct participation in any civil commotion, riot or strike.
11. Treatment for injuries, directly or indirectly, resulting from war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
12. Treatment for injuries, directly or indirectly, resulting from nuclear fallout.
13. Treatment received outside Singapore.
14. Treatment for which the insured person received reimbursements by workmen’s compensation and other forms of insurance coverage.
15. Treatment for which the admission date was before the commencement date of the insured person’s MediShield Life cover.
16. Daily board, ward services and treatment (including meals, prescriptions and professional consultations, investigations and other miscellaneous items) provided to the insured person while staying as an in-patient in any approved permanent premises of an approved medical institution on or after the claim bar date.[S 465/2018 wef 15/07/2018][S 224/2020 wef 01/04/2020][S 231/2025 wef 01/04/2025]16A. Daily treatment charges for any treatment provided to the insured person by an approved medical institution under the MIC@Home programme —
if the period between the insured person’s admission for treatment and discharge from treatment is less than 8 hours; or
on or after the 7th calendar day after the earliest day when the insured person is certified, by a medical practitioner employed or engaged by the approved medical institution, to be medically fit for discharge from MIC@Home treatment provided by that approved medical institution.[S 231/2025 wef 01/04/2025]17. Treatment for or in respect of pregnancy, childbirth (including caesarean delivery) or abortion, except treatment for serious complications related to pregnancy and childbirth.[S 190/2019 wef 01/04/2019]18. Delivery procedure for childbirth (including caesarean delivery), except caesarean hysterectomy.[S 190/2019 wef 01/04/2019]19. Any treatment, service or item received on or after 27 March 2020 but before 20 October 2020, for COVID-19 infection or otherwise, by an at‑risk traveller as an in‑patient while being treated for COVID‑19 infection.[S 192/2020 wef 27/03/2020][S 898/2020 wef 20/10/2020]20. Any treatment, service or item received on or after 27 March 2020 but before 20 October 2020 by an at‑risk traveller as an in‑patient where —
the admission is to test for suspected COVID‑19 infection;
the test is negative for COVID‑19 infection; and
the at-risk traveller does not need in‑patient treatment for any other medical condition.[S 192/2020 wef 27/03/2020][S 898/2020 wef 20/10/2020]21. The cost of any cancer drug administered to an outpatient that is not an approved cancer drug.[S 711/2022 wef 01/09/2022]22. Any proton beam therapy, except approved proton beam therapy.[S 769/2022 wef 01/10/2022]