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Financing on Healthcare L1-7 (Lesson 3 (Medisave 20 chronic disease…
Financing on Healthcare L1-7
Lesson 2
Patient Subsidy Types
Singaporean (SG)
Permanent Resident (PR)
Foreign Resident (FR)
Non Resident (NR)
Non Patient (NP)
CHAS Subsidy Tiers
CHAS Green
CHAS Orange
CHAS Blue
Merdeka Generation
Pioneer Generation
4 Types of Subventions
Lump sum subvention
Piece rate subventions
Casemix subvention
Global budget subvention
Lesson 1
Multi Pillared System
Govt subsidies
Medisave
Medishield Life
Medifund
Elder-shield
Out of pocket
S + 3Ms
Subsidies
Medisave
Medishield Life
Medifund
Singapore Healthcare Challenges
Aging Population
Increase incidence of chronic diseases
Increase demand in healthcare services
Increase demand for affordable healthcare
Singapore's Healthcare Philosophy
Everyone have access to all levels of healthcare in a affordable, timely and seamless manner
Promotes healthy living preventive health programmes
Maintaining a high standards of clean water, hygiene and lving
Lesson 5
Principles of Medifund Assistance
Personal Responsibility
Co-pay according to their ability
Medical Necessity
Non-essential choices are excluded (e.g. a-ward, cosmetic surgery)
Family Responsibility
Use of family member's medisave
Helping hands
Medifund Criteria
Singaporean
Class B2 or C inpatients or subsidized poutpaitent
Treatment in Medifund-approved institution
Still unable to pay after using all the government subsidies
Medifund Silver
Age 65 years and above
Medifund Junior
Age 18 years and below
Lesson 4
Insurance Terms
Deductible
Avoid first-dollar coverage and help MediShield target only large bills
Coinsurance
Guard against over-consumption
Claim Limits
Address excessive claims e.g. daily ward limit, lifetime limit
MediShield Life
Cover them through their lives
Limits payouts to avoid "buffet syndrome"
Patient co-payment
Ensuring premiums are affordable
Co-payment and deductibles paid using Medisave or cash
MediShield Life provides
For all Singaporean & Permanent Residents
Patients with pre-existing conditions
Benefits
Higher claim limits
Co-insurance rates are lower
Patients pay lesser as compare to MediShield Life
Integrated Shield Plans (IPs)
Medishield Life
Private Medical Insurance coverage (run by insurers)
Careshield Life
Lifetime cash payouts
Payouts increase over time
Making it affordable from government subsidies
Premiums can be paid fully by MediSave
Lesson 3
Medisave
20 chronic disease under CDMP
15% co-payment but no deductible
Starting a family
Treatment for elderly
Getting medical scans
Paying for integrated Shield Plans
Eldershield and Eldershield Supplements
Hospitalisation
$450/day
Surgery
$250 - $7,550
Regain mobility
Receiving end-of-life care
Medisave
Self
Self & Spouse
Self, Spouse, Patnts & Children
Self & Spouse (elderly 65 & above only)
Lesson 6
Financial counselling
MOH Regulation
Patient will then choose which class of ward they want and the treatment
Lesson 7
Determine patient class
Patient details
Name
DOB
Address
Other necessary details
NOK
Allergy Info.