What is the pro-ration factor? How does it affect my claim?
As private hospital bills and Class A/B1 bills in public hospitals are generally higher than the Class B2/C bills that MediShield Life is designed for, they are pro-rated to the equivalent level of a Class B2/C bill before MediShield Life payouts are computed. This ensures comparable payouts for subsidised and private patients.
This information is sourced from MOH
Related questions
Is MediShield Life coverage only for those who use Class B2/C wards? What about those who wish to use Class A/B1 or private hospitals – will they get any MediShield Life benefits?
Is MediShield Life coverage only for those who use Class B2/C wards? What about those who wish to use Class A/B1 or private hospitals – will they get any MediShield Life benefits?
I was admitted to a Class A/B1 ward. Why are the pro-ration factors lowered from 1 April 2025 and how will this affect my MediShield Life claim?
Why is MediShield Life applying a differentiated pro-ration factor for ward charges and surgical fees?
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