CPF Medishield Does Not Cover All Your Hospital Bills

You need to upgrade your CPF Medishield because it does not cover all your hospital bills. It will not cover any work related injuries as your company is expected to foot the bill with Workmen Compensation Insurance which may not be sufficient for a long stay in the hospital.

Ask your financial adviser for help to upgrade your Medishield plan now if you have not done so. If you need help here, do drop me us email soon…

Here is a List of Excluded Treatments & Medical Expenses

Generally, the following expenses are outside the scope of MediShield and cannot be claimed:

1) Entire stay in hospital if the member was admitted to the hospital before he was insured by MediShield

2) Treatment of any of the following categories of pre-existing illnesses or any other serious illnesses for which the patient had received medical treatment during the 12 months before the start of MediShield cover:

Blood disorder

Cancer

Cerebrovascular accidents (stroke)

Chronic liver cirrhosis

Chronic obstructive lung disease

Chronic renal disease, including renal failure

Coronary artery disease

Degenerative disease

Ischaemic heart disease

Rheumatic heart disease

Systemic lupus erythematosus

3) Ambulance fees

4) Congenital anomalies, hereditary conditions and disorders e.g. hole-in-heart, hare-lip

5) Cosmetic Surgery

6) Maternity charges (including Caesarean operations) or abortions

7) Dental work (except due to accidental injuries

8) Infertility, sub-fertility, assisted conception or any contraceptive operation

9) Mental illness and personality disorders

10) Optional items which are outside the scope of treatment

11) Overseas medical treatment

12) Private nursing charges

13) Purchase of kidney dialysis machines, iron- lung and other special appliances

14) Treatment for which the insured person received reimbursement from Workmen’s

15) Compensation and other forms of insurance coverage

16) Treatment of any illness, disability, injury or any condition arising from or due to the Acquired Immune Deficiency Syndrome (AIDS) virus

17) Treatment for drug addiction or alcoholism

18) Treatment of injuries arising directly or indirectly from nuclear fallout, war and related risk

19) Treatment of injuries arising from direct participation in civil commotion, riot or strike

20) Treatment of self-inflicted injuries or injuries resulting from attempted suicide

21) Vaccination