---
id: sgobs.healthcare.medishield-life-policy-year-claim-limit-2026
kind: observation
title: "终身健保每个保单年度的最高索赔限额"
url: https://ik.sg/zh/knowledge/observation/sgobs.healthcare.medishield-life-policy-year-claim-limit-2026
language: zh-Hans
evidence_status: final
collection_as_of: 2026-10-16
---

# 终身健保每个保单年度的最高索赔限额

卫生部指出，每个保单年度的最高索赔限额为 S$200,000，且没有终身索赔限额。索赔给付仍受适用的福利限额、自付额、共同保险和除外责任约束。

## 记录详情

- **数值类型:** threshold
- **单位:** SGD per policy year; no lifetime claim limit
- **数值:** 200000
- **状态:** final
- **来源版本:** MOH MediShield Life Benefits table applicable from 1 June 2026
- **指标:** medishield life policy year claim limit (`sgmetric.healthcare.medishield-life-policy-year-claim-limit`)
- **适用人群:** Singapore Citizens and Permanent Residents insured under MediShield Life with eligible claims
- **适用起始日期:** 2026-06-01
- **分母口径:** Maximum scheme claim amount per policy year, not the maximum medical bill or an amount payable without deductibles, co-insurance, treatment limits and exclusions
- **地理范围:** [新加坡](https://ik.sg/zh/knowledge/geography/sg.geo.country.singapore)
- **统计期间:** MediShield Life benefits for admissions or treatments received on or after 1 June 2026; MOH guidance last updated 3 June 2026 and rechecked 14 October 2026

## 资料来源

- [https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/medishield-life/medishield-life-benefits/](https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/medishield-life/medishield-life-benefits/) — 访问日期 2026-10-14

## 探索关联

- 主题: [终身健保](https://ik.sg/zh/knowledge/topic/sgtopic.healthcare.medishield-life)
- 地点: [新加坡](https://ik.sg/zh/knowledge/geography/sg.geo.country.singapore)

日期表示本记录的统计期间与适用范围。核验日期并不代表规则目前已经生效。 知识库持续扩充中。发布数量表示现有内容，并不代表已覆盖新加坡的全部知识。