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Chapter 9: Healthcare Financing - Coggle Diagram

- - - - Public
        
        Inpatient
        
        Specialist Outpatient Centre
      - CHAS
    - - Pay for
        
        Medical expenses at all
        accredited institutions
        
        Dependants
        
        Outpatient treatments
        
        Approved chronic diseases
        under chronic disease management programme (CDMP)
        
        Vaccinations
        
        Health screenings (only members above 50)
        
        Inpatient Treatments
        
        Long term care
        
        Up to $200 a month
        withdrawal from MA
      - Basic Healthcare Sum
        
        Max amount you can have
        in your MA
        
        Excess will flow to SA
      - Distribution
    - - Limits
      - Premiums
        
        Coverage for pre-existing
        medical conditions
        
        Nominal Additional premium of 30%
        for first 10 years if serious pre-existing condition
      - Subsidies
        
        Premium subsidies
        
        Families with monthly income per capita
        of $2800 and below
        
        Property annual value of
        $21000 and less
        
        Pioneer & Merdeka
        
        Subsidies of between
        40% to 60%
        
        Receive $250 to $900 a year
        in Medisave top up
        
        Additional Premium
      - Medishield Fund
    - - Co-payment
        
        MOH introduce requirement for new IP riders
        to have co-payment of 5% or more
        
        Co paymennt cap to protect policyholders
        (eg. $3000)
      - Termination
        
        terminate IP while still being covered
        by Medishield
      - Switching
        
        Option to go back to previous insurer
        within 30 days from termination date without
        having to underwrite
      - Pre-authorisation
        
        IP insurer gives prior approval to cover
        hospitalisation and medical treatment before
        actual surgery or admission
        
        Standard LIA Pre-authorisation form must be used
        
        Directly settle bill with hospital
      - Claim
        
        Non-IP
        
        Show insurance card
- - - - up. to 30% of premium subsidies
        for lower to middle income households
    - - Participation incentive of up to $2500 to encourage those
        born before 1979