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Terminating or canceling your Integrated Plan (IP)?
(1) First of eight-part series of Medishield Life brought to you by MOH
MediShield Life vs Integrated Shield Plan (ISP)
https://plus.google.com/115188123900793640056/posts/chhNUwodEvZ
(3) Third of eight-part series of Medishield Life brought to you by MOH
MediShield Life vs Integrated Shield Plan (ISP)
https://plus.google.com/115188123900793640056/posts/chhNUwodEvZ
(4) Fourth of eight-part series of Medishield Life brought to you by MOH
MediShield Life vs Integrated Shield Plan (ISP)
https://plus.google.com/115188123900793640056/posts/chhNUwodEvZ
(5) Fifth of eight-part series of Medishield Life brought to you by MOH
https://plus.google.com/115188123900793640056/posts/chhNUwodEvZ
(7) Seventh of eight-part series of Medishield Life brought to you by MOH
MediShield Life vs Integrated Shield Plan (ISP)
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(8) Eight of eight-part series of Medishield Life brought to you by MOH
FAQs on MediShield Life
1. When will MediShield Life premiums be announced?
The MediShield Life Review Committee (MLRC) is currently in the midst of reviewing the scheme parameters, and gathering feedback and suggestions from the public and key stakeholders. The Committee will subsequently submit its recommendations to MOH, which will review and announce decisions on the final parameters and corresponding premiums thereafter.
2. When will MediShield Life be implemented?
MediShield Life will be implemented in 2015.
3. Why can’t MediShield Life be implemented earlier? What will happen to the elderly and the uninsured in the meantime?
The MediShield Life review is ongoing, with the Committee targeting to submit its recommendations to the Government later this year. Thereafter, Government will need to study the recommendations and confirm the parameters before the extensive changes can be finalised.
In the meantime, Minister(Health) has announced that the MediShield maximum coverage age will be extended to age 92 from March 2014. This interim extension of the maximum coverage age will ensure that the oldest insured members continue to remain protected under MediShield before the transition to lifelong coverage under MediShield Life.
With the removal of the maximum entry age of 75 in Mar 2013, all uninsured of all ages can currently apply for entry into MediShield (and be covered up to age 92), subject to their good health. Coverage for pre-existing conditions will however only take place with the shift to MediShield Life due to the overall impact on the risk pool and the existing policyholders.
Pioneer Generation MediShield Life Premium Support
4. How many Pioneer Generation elderly are not insured by MediShield today?
Approximately one in four* of the Pioneer Generation are not covered under MediShield, and this proportion is higher at the older ages. Of this group, some had never been reached by the auto-cover and outreach efforts for MediShield, as they had never worked before. Another reason is that they may have opted out.
5. How many Singaporeans are there above age 90?
There are close to 10,000 Singaporeans who are above age 90, who will all be provided coverage under MediShield Life.
6. Will higher income Pioneer Generation elderly benefit from MediShield Life subsidies as well?
The Pioneer Generation Package is meant to honour and recognise a group of Singaporeans who contributed significantly in the early days of our nation building. All members of the Pioneer Generation will enjoy all components of the package.
Most components of the Pioneer Generation Package are not differentiated by means. These include the Medisave top-ups, cash assistance for those with moderate to severe disabilities and MediShield Life premium subsidy.
At the same time, members of the Pioneer Generation who are less well-off will be able to enjoy higher additional subsidies for the outpatient components of the Pioneer Generation Package.
7. Instead of increasing MediShield Life subsidy with age, why not have a flat premium for the Pioneer Generation instead?
MediShield premiums are actuarially calculated to reflect the age-related risks, and increase with age. In order to ensure premium affordability for the Pioneer Generation, the Government has committed to providing generous subsidies that also increase accordingly as premiums increase with age.
MediShield Life Scheme Parameters
Benefit Parameters
8. Will MediShield Life remain as an insurance scheme intended for large subsidised healthcare bills, and what kinds of treatments will be covered?
As indicated by PM at the National Day Rally 2013, MediShield Life will remain as an insurance scheme targeted at the larger healthcare bills, but would be enhanced to provide lifelong and universal coverage for all Singaporeans, and better protection for large bills. As part of the ongoing MediShield Life review, the MediShield Life Review Committee has been seeking views from the public on the scheme’s design parameters. The Committee has been seeking views from members of the public and key stakeholders to seek comments and suggestions on the level of coverage desired by Singaporeans and the appropriate features of MediShield Life. The Committee has recently shared its preliminary recommendations on the benefit parameters, and more details will be available when the Committee has completed its review and submits its recommendations to the Government.
9. What were the Committee’s preliminary recommendations on the benefit parameters?
The Committee has proposed
a. To remove the lifetime claim limit;
b. To increase the daily claim limits for normal wards and Intensive Care Unit (ICU) wards by up to 55%;
c. To substantially increase the claim limits for outpatient cancer chemotherapy and radiotherapy treatments, to better cover the cost of subsidised cancer treatment;
d. To halve co-insurance rates; and
e. For Government to take on most of the costs of universal coverage, with the remaining costs to be shared among the currently uninsured with pre-existing conditions and the larger pool of insured policyholders.
10. How much are the benefit enhancements likely to cost? How much will premiums increase by to support these changes, including lifelong coverage for all Singaporeans?
MOH will be working with actuarial experts and the MediShield Life Review Committee to assess the expected cost of the proposed enhancements and the impact on MediShield Life premiums, and the Committee has noted the need to strike a careful balance between benefit enhancements and premium affordability. The Committee is also still deliberating on other MediShield Life parameters that will have impact on premiums, including pre-funding, deductibles, and the scope of coverage for outpatient treatments. More details on the premium impact will be shared at a later stage, when more parameters have been decided.
Universal Coverage
11. What is the percentage of the population covered by MediShield today?
As at June 2013, 93% of the population was covered by MediShield.
12. Why is 7% of population uninsured? Who are they?
The currently uninsured is made up of a few different groups:
(i) Elderly Singaporeans aged above 65, many of whom were retired or close to retirement when MediShield was introduced in 1990. Among this group of elderly Singaporeans, there are some who are aged above age 90 and hence are not covered by MediShield currently due to the maximum coverage age;
(ii) Low-income or unemployed Singaporeans whose covers lapsed due to insufficient Medisave for premium payments; and,
(iii) Younger Singaporeans or PRs who will be covered once they start work.
Others were excluded due to pre-existing conditions or earlier chose to opt out of MediShield for various reasons, including because they had purchased private comprehensive insurance or already enjoyed some employer benefits.
13. What is the percentage of the elderly and low-income among the uninsured?
About a third of the uninsured are the elderly aged above 65. A smaller proportion of the uninsured is made up of the low-income whose covers may have lapsed due to insufficient Medisave monies.
14. If most Singaporeans are already covered under MediShield, why do we need MediShield Life?
MediShield Life aims to provide assurance for all Singaporeans that they will have health insurance coverage for life, regardless of how their life and health circumstances change over time.
For those who are uninsured today, we hope that MediShield Life can provide them with better peace of mind when they have to face large healthcare bills. For those who are already insured today, we hope that MediShield Life can give them and their families better assurance about lifetime coverage for healthcare bills, including pre-existing conditions, and beyond the age of 90.
15. Will all Singaporeans be brought into MediShield Life, regardless of disability, sickness and lifestyle?
As announced by PM at his National Day Rally speech in 2013, MediShield Life will provide coverage for all Singaporeans, including those with pre-existing conditions. Universal coverage can support our society’s efforts to strengthen inclusiveness and collective responsibility, and the Committee will continue to engage the public to seek views on this issue as part of the public consultation.
16. What does the cost of universal coverage comprise, and how much is this cost?
On average, claims by the unhealthy uninsured and the insured with exclusions are expected to be higher than that for the existing MediShield policyholder pool, due to their higher risk. The cost of universal coverage therefore comprises the additional costs of covering the claims of the unhealthy uninsured and the insured with exclusions, whose pre-existing conditions had not been covered in the past.
MOH will be working with actuarial experts and the MLRC to calculate the expected cost of universal coverage.
17. Will the currently uninsured pay the same amount of premiums as the ones currently insured? If yes, will that be unfair?
A diversity of views on this issue has been raised through different channels, including the MLRC’s public consultation. The Committee has shared that they are of the view that the unhealthy uninsured and the insured with exclusions should pay a higher premium to take into account their higher risks, and as they would benefit from being fully included in MediShield Life protection. However, they noted that they are still studying this issue in more detail, and will continue to engage the public to seek views on this issue as part of the second phase of public consultation.
18. What if the policyholder is a low-income individual and unable to pay for the additional premium imposed?
The Government has committed to providing premium support for the low-income through a variety of means, including subsidies, Medisave top-ups and financial assistance, e.g. through Medifund or a similar scheme.
Integrated Shield Plans
19. Can Singaporeans who were not able to buy Integrated Shield Plans due to pre-existing conditions do so now that MediShield Life covers pre-existing conditions?
IPs are private insurance plans offered by private insurers that ride on MediShield to offer higher coverage for higher ward classes above Class B2/C. Whether insurers provide coverage for pre-existing conditions (and at what cost) will depend on their risk management strategies.
Nevertheless, the Committee is consulting the insurers as part of its review, to explore how the IPs may respond or evolve with the introduction of MediShield Life, and to take into account the aspirations and concerns of IP policyholders.
Other Issues
20. Will MediShield Life be duplicative coverage for employees with employer-provided medical benefits?
Coverage for lifetime is important, to provide peace of mind, as most of us need the most healthcare when we are old. No matter how generous employer-provided medical benefits may be, they are typically tied to the term of employment. On the other hand, while there may be some duplication in coverage when the individual is working, MediShield Life will provide lifetime peace of mind about healthcare insurance coverage whether one is changing jobs or retiring from the workforce. As part of the ongoing MediShield Life review, the Committee will be reviewing this issue further, and hear feedback from employers and unions.
21. Will Pensioners be able to benefit from MediShield Life?
The Government will study the issue of post-retirement medical benefits for Government pensioners, in relation to MediShield Life when the MediShield Life Review Committee (MLRC) completes its work. Where MediShield Life offers benefits better than what Government pensioners currently enjoy, we will look into how they can be applied to Government pensioners, as well as how the premiums can be paid for. We would like to assure all Government pensioners that their medical benefits will be the same, if not better, than today.
22. Will foreigners be included in MediShield Life or required to buy insurance?
MediShield Life will cover all Singapore Citizens and Permanent Residents. Foreigners are not eligible for healthcare subsidies today, and the issue of their coverage under MediShield Life will need to be studied more deeply.
23. What if someone does not pay for their premiums?
The Government has committed to help the low-income who do not have the means to pay for their premiums. However, with the move to universal coverage, there may be a group who do not pay their premiums, even though they have the means. As part of collective responsibility, all Singaporeans must contribute their part to the scheme to ensure fairness for all the other policyholders, who would otherwise have to shoulder the bad debts from these defaulters. The Committee will be seeking the public’s views on treatment of this group of defaulters with the means to pay for their premiums, and thereafter reflect relevant suggestions and views from the public to the Government to consider. In other countries, some measures taken against those who wilfully refuse to pay their health insurance premiums despite having the means, include: fines; temporary withdrawal of health insurance benefits; and recovery of the outstanding premiums through various Government agencies.
MediShield Life Subsidies
24. What about those who cannot afford MediShield Life premiums?
The Government has committed to providing premium support for the low-income without means to pay for premiums. In addition, Minister(Health) has also said that the Ministry of Health will work out a subsidy framework for the lower income, up to middle income.
For the Pioneer Generation, they will be eligible for even higher subsidies to ensure premium affordability. As announced by DPM Tharman in his Budget Speech 2014, for the Pioneer Generation seniors, MediShield Life premium subsidies will start from 40% at age 65, rising to 60% at age 90. DPM also stated the Government’s intent of helping PG aged 80 and above in 2014 to fully cover their premiums, through a combination of premium subsidies and Medisave top-ups. For the younger PGs who are on MediShield today, the aim is to help them through premium subsidies and Medisave top-ups, so that they pay about half of their current MediShield premiums.
For Singaporeans who are unable to pay their remaining share of premiums even after the permanent subsidies and Medisave top-ups, they will be provided financial assistance, e.g. through Medifund or a similar scheme. No Singaporean will drop out of MediShield Life because of inability to pay for premiums.
25. What’s the point of giving MediShield Life subsidies when the MediShield Life premiums are going to be increased anyway?
The enhancement of MediShield to MediShield Life will encompass significant improvement in benefits, as well as coverage for life and for all Singaporeans. This will help to provide peace of mind for Singaporeans. However, premiums will necessarily have to increase to cater for these better benefits and coverage. The Government will explore subsidies for MediShield Life premiums to provide support for lower and middle-income Singaporeans.
MediShield Life Review Committee
26. What is MOH’s role in this Committee? Is the Committee independent?
The Committee is independent from MOH, but MOH provides secretariat support to the Committee. To complement the Committee’s engagement efforts, MOH will be working on awareness and education efforts to strengthen the public’s understanding of healthcare financing and MediShield.
27. How many FGDs have been held, and how many more will there be?
Since the Committee was announced in late November last year, 23 Focus Group Discussions (FGDs) (as at 11 Mar 2014) have been held. These include recent sessions, where views were sought on specific issues such as benefit parameters, in line with the focus areas outlined by the Committee in its public update on 28 Jan 2014 (i.e. how to increase benefits while keeping premiums affordable; feasibility of pre-funding, or spreading premiums over a lifetime to moderate increases in old age premiums; and, the appropriate cost-sharing approach to universal coverage).
Participants spanned members of the public as well as stakeholder groups, including academics/ commentators, healthcare professionals, grassroots leaders, insurers, Voluntary Welfare Organisations, and union members. The Committee has also reached out to the Chinese, Malay and Tamil non-English-speaking communities through the respective Self-Help Groups. The Committee has planned for about five to ten more FGDs, with the public as well as with stakeholders.
MediShield Life FAQs (Feb 2015)
TOP FAQs ON MEDISHIELD LIFE
1. What is MediShield Life? What is the difference between MediShield and MediShield Life? How does it benefit me?
MediShield Life will be rolled out in end 2015 and replace the existing MediShield Scheme.MediShield is a basic healthcare insurance that helps to pay for large hospital bills and expensive outpatient treatments such as dialysis and chemotherapy for cancer. It is basic because it targets Class B2/C wards and subsidised treatment in the public hospitals.
MediShield Life, which will come into force in end-2015, will offer
· Better protection and higher payouts, so that patients pay less Medisave / cash for large bills
· For All Singapore Citizens and Permanent Residents, including the very elderly and those who have pre-existing illnesses.
· For Life
Government will also provide significant help to Singaporeans to keep premiums affordable:
· Premium Subsidies for the lower- to middle-income
· Pioneer Generation Subsidies for the Pioneer Generation
· Transitional Subsidies to ease the shift to MediShield Life (for Singapore Citizens only)
· Additional Premium Subsidies for the needy who are unable to afford their premiums after premium subsidies.
MediShield Life premiums will be affordable, and may be fully paid from Medisave. No Singaporean will drop out of MediShield Life due to inability to pay for their premiums.
2. What if I cannot afford to pay my premiums? Will the money be taken from my bank account?
The Government will provide Additional Premium Support to fully cover premiums for the needy who face difficulties in paying premiums even after the subsidies and other payment measures. Those who are needy and unable to afford their premiums need not worry and can apply for help.Strong premium recovery measures will be used only for those who have means but refuse to pay their premiums. Actions such as enforcing premium payment from bank accounts and preventing an individual from leaving the country are reserved only for those who have refused to make payment despite multiple efforts to help them pay for their premiums. Before these premium recovery measures kick in, there will be many efforts to enable Singaporeans to pay for their premiums, and outreach to invite them to ask for further assistance if needed.
Firstly, the Government will provide strong support for premiums, including bearing the bulk of the cost of providing coverage for those with pre-existing conditions. There will be Premium Subsidies for lower- to middle-income households. For our Pioneers, there are Pioneer Generation Subsidies and Medisave top-ups. There will also be Transitional Subsidies for the first four years of MediShield Life for all Singapore Citizens who experience a net increase in premiums, regardless of household income and Annual Value of homes, to help ease the shift to MediShield Life.
Secondly, to minimise cash payment for Singaporeans, Medisave may be used to pay the full MediShield Life premiums after subsidies. Singaporeans can also use their Medisave to help pay for their family members’ premiums. Measures to help with premium payment include:
a. Helping to keep Medisave contributions current. As MediShield Life premiums are deducted from a policyholder’s Medisave account, the first step is to ensure that Medisave contributions are kept current. CPF Board has in place a web of arrangements with multiple government agencies to ensure employers, employees and especially self-employed persons meet contribution requirements.
b. Supporting switch of payment to other family members’ Medisave accounts. If an insured person has insufficient Medisave balance, immediate family members such as parents and spouses can help to use their Medisave to pay for their premiums.
c. Regular reminder letters to top up the insured’s Medisave account and to pay MediShield Life premiums.
3. Does MediShield Life duplicate the coverage I have under my Integrated Shield Plan?
First, check if your private insurance plan is one of the “Integrated Shield Plans” (AIA HealthShield Gold Max, Aviva MyShield, Great Eastern SupremeHealth, NTUC Income IncomeShield, Prudential PruShield). You can use Medisave to pay for Integrated Shield Plans in whole or in part.If you have an Integrated Shield Plan, there will be no duplicate coverage.
Integrated Shield Plans (IPs) already comprise two parts – the MediShield portion and the additional private insurance coverage. Those covered under IPs currently enjoy the combined benefits of MediShield, which is run by the CPF Board, and the additional benefits of the additional private insurance coverage, which is run by private insurers.
When implemented, MediShield Life will automatically replace the current MediShield portion in IPs. All IP policyholders will also enjoy MediShield coverage for life, including for any pre-existing conditions, even if these are excluded from the top-up coverage by the private insurer.
4. How do I apply for MediShield Life Premium Subsidies?
The Government will facilitate the extension of Premium Subsidies by making the process as convenient as possible for the public. There is no need for the public to submit any application forms or income documents. MOH will use information in Government administrative databases to check and compute the MediShield Life Premium subsidies for each individual. The public are encouraged to confirm their household composition, to ensure that their information is updated and accurate.More information on the simple confirmation of your household will be released later.
Holders of Integrated Shield Plans who meet eligibility criteria will receive Premium Subsidies on the MediShield Life component of their Integrated Plans.
5. Do I have to pay Additional Premiums for my pre-existing condition?
A pre-existing condition is a medical condition or illness that an individual already has before he is covered under an insurance plan.If your health condition developed after the start of your insurance cover with MediShield or an Integrated Shield Plan, you will not be considered to have a pre-existing condition and will not need to pay Additional Premiums for this condition.
If your health condition developed before you started your MediShield or Integrated Shield Plan coverage, depending on how serious your condition is, you may need to pay Additional Premiums of 30%, for a period of 10 years.
MOH is in the process of finalising the detailed list of serious medical conditions that would incur Additional Premiums, with specialist input from clinicians. More details will be released at a later date. The key consideration is to focus on the more serious conditions which require intensive medical intervention to treat or manage; or have high risk of future complications or recurrence, and therefore may require prolonged treatment. The assessment will be compassionate and fair.
Examples of serious pre-existing conditions for which you may have to pay Additional Premiums include cancer, kidney failure, stroke and heart diseases.
You will be informed in writing if you have to pay Additional Premiums before the start of MediShield Life and your next policy renewal. Singaporeans may provide CFPB with their latest medical records to apply for a review of their health condition if it has significantly improved.
6. Will I be arrested if I am unable to pay my premiums?
You will not be arrested if you are unable to pay for your MediShield Life premiums. Various forms of support are available to help with the payment of your MediShield Life premiums.However if an insured person is informed that he is restricted from leaving the country until his MediShield Life premiums are paid, but still tries to leave the country, he will be arrested.
BENEFITS UNDER MEDISHIELD LIFE
1. What is MediShield Life? What is the difference between MediShield and MediShield Life? How does it benefit me?
MediShield Life will be rolled out in end 2015 and replace the existing MediShield Scheme.MediShield is a basic healthcare insurance that helps to pay for large hospital bills and expensive outpatient treatments such as dialysis and chemotherapy for cancer. It is basic because it targets Class B2/C wards and subsidised treatment in the public hospitals.
MediShield Life, which will come into force in end-2015, will offer
· Better protection and higher payouts, so that patients pay less Medisave / cash for large bills
· For All Singapore Citizens and Permanent Residents, including the very elderly and those who have pre-existing illnesses.
· For Life
Government will also provide significant help to Singaporeans to keep premiums affordable:
· Premium Subsidies for the lower- to middle-income
· Pioneer Generation Subsidies for the Pioneer Generation
· Transitional Subsidies to ease the shift to MediShield Life (for Singapore Citizens only)
· Additional Premium Subsidies for the needy who are unable to afford their premiums after premium subsidies.
MediShield Life premiums will be affordable, and may be fully paid from Medisave. No Singaporean will drop out of MediShield Life due to inability to pay for their premiums.2. What are the recommendations of the MediShield Life Review Committee?
The Committee has recommended (a) better coverage; (b) coverage for all (including those with pre-existing conditions) (c) affordable premiums, keeping in mind the package of subsidies from the Government.For more information on the Committee’s recommendations, please click here.
For examples of how MediShield Life will provide greater protection, please click here.
3. Even with the increase in benefits under MediShield Life, there remains a cap on the MediShield Life payout. Is it possible to introduce a stop-loss feature to provide greater assurance to Singaporeans?
MediShield Life needs to be a basic plan which all Singaporeans can afford. While the increase in benefits will help to cover a higher proportion of large bills, we are also mindful that this may encourage wasteful consumption, like ordering more tests than necessary because the bill will be paid by insurance.Hence, patients should continue to co-pay for their bills to help manage potential over-servicing by healthcare providers. All co-payment amounts can be paid through Medisave and cash. Today, 8 in 10 Class B2/C bills have $100 or less out-of-pocket cash payment after coverage by insurance and Medisave.
Needy Singaporeans who are unable to pay their share of bills can seek further assistance from the public hospitals.
4. Many Singaporeans, especially the elderly, do not receive any payout from MediShield for their bills, due to the deductible. Can the deductible be lowered for MediShield Life so that more Singaporeans can benefit from the scheme?
Deductibles focus MediShield Life coverage on the larger bills, where protection is most critical. By not covering smaller bills, which can be adequately covered by Medisave, MediShield Life premiums can be kept affordable. Deductibles accumulate across bills and are payable only once a policy year.Most Singaporean families have sufficient Medisave to cover the deductibles. The Government also provides Medisave top-ups for lower-income and elderly Singaporeans through schemes such as Workfare, GST Voucher scheme, and Pioneer Generation Package. For those who are unable to afford the deductible, Medifund assistance is available at the public hospitals.
5. With an ageing population, healthcare costs are expected to increase significantly. Is it possible to provide incentives such as premium discounts to encourage and reward healthy living through MediShield Life? With lower claims, there will be premium savings in the long term.
MediShield Life aims to protect Singaporeans against large medical bills in public hospitals. Large bills are usually incurred when there are serious health conditions. There is concern that patients might delay treatment to maintain their premium discounts. This could have serious consequences in the form of example avoidable complications.To encourage health living, MOH will continue to enhance the accessibility and affordability of health promotion efforts. Under the Health Promotion Board’s Healthy Living Master Plan, a number of initiatives have been put in place, including community and workplace health screening and education programmes, initiatives to promote healthier food options in schools and in the community and initiatives to promote physical activity.
The Community Health Assist Scheme (CHAS) was also enhanced last year to provide free screening tests for recommended screening and subsidies for the doctor’s consult. Pioneers get even higher subsidies for the recommended screening.
By encouraging more Singaporeans to undergo appropriate health screening and follow-up, and to adhere to the course of treatment, we help more Singaporeans lead healthier lives.
6. Other than cancer and kidney failure, there are also other expensive outpatient treatments such as treatment for SLE and multiple sclerosis. Can such treatments be considered for coverage under MediShield Life?
The Government has recently enhanced the subsidies for lower- to middle-income subsidised patients at the Specialist Outpatient Clinics (SOC) in public hospitals. This has helped to make outpatient treatments more affordable for Singaporeans. Needy Singaporeans can continue to tap on Medifund for assistance if they face difficulty with their outpatient bills.MOH will regularly review whether other outpatient treatments are suitable for coverage under MediShield Life, taking into account changes in the delivery of medical care, development of new treatments and availability of information on patient outcomes and effectiveness.
7. Why does MediShield Life not cover palliative care?
MediShield Life is designed as a basic health insurance scheme to help with large inpatient costs. There is a need to balance premium affordability with benefit coverage. As palliative care is generally affordable after Government subsidies and Medisave use, the MediShield Life Review Committee proposed to focus the limited premium dollars on support for other coverage expansions.8. Why are maternity and fertility expenses not covered under MediShield Life?
MediShield Life is designed as a basic health insurance scheme to help with large inpatient costs. There is a need to balance premium affordability with benefit coverage that is fair to all policyholders.There is already substantial support for maternity and fertility expenses through Government subsidies at public hospitals, Medisave use and the Marriage & Parenthood Package. Given the certainty of support for such expenses, we agreed with the Committee not to include maternity and fertility expenses under MediShield Life.
9. Why is the dialysis limit not recommended to be increased?
The current monthly claim limit for kidney dialysis at $1,000 is sufficient to cover a substantial share of the average monthly subsidised dialysis bill of $1,400 to $1,500. The remainder can be paid through Medisave and cash, with additional financial support for needy families if needed.Dialysis patients who are currently insured will continue to be able claim up to a maximum of $1,200 per month. Those who are uninsured but who require dialysis will be able to obtain coverage under MediShield Life, and similarly receive coverage of up to $1,200 per month for their dialysis treatment and related drugs.
Finally, the lifting of the lifetime limit will also ensure continuity of coverage for dialysis patients with long-term claims such as dialysis and provide them with peace of mind that they will be covered for life.
10. Why is the implant limit not recommended to be increased?
The current MediShield implant limit is $7,000, and applies to implants used in surgeries such as heart pace-makers, and hip and knee replacements. Currently, the limit is sufficient to fully cover more than 90% of implants in Class B2/C surgeries. Hence, the focus of the review was on other claim limits.11. Why not lift the annual claim limit entirely instead of raising it from $70,000 to $100,000?
The current annual claim limit of $70,000, which was recently raised from $50,000 in Mar 2013, already covers virtually all insured members. With the significant benefit enhancements and extension to coverage of all Singaporeans under MediShield Life, the annual claim limit will be significantly raised to $100,000 to keep pace with benefit enhancements and medical inflation, and ensures that Singaporeans can continue to have assurance of protection in the event of exceptional large bills.12. Is MediShield Life coverage only for those who use Class B2/C wards? What about those who wish to use Class B1, Class A or private hospitals – will they get any MediShield Life benefits?
MediShield Life, which will be rolled out in end 2015, will provide coverage for all Singaporeans for life, regardless of which class ward they choose. MediShield Life will help all Singaporeans with large hospitalisation expenses. The level of benefits is based on expenses in B2/C class wards in public hospitals. You will get the same level of benefits, pegged to the estimated B2/C class expenses, if you choose to stay in a B1/A class ward or in private hospitals.You can sign up for an Integrated Shield Plan, managed by a private insurer, if you want additional coverage of bills in these higher class wards or in private hospitals.
Integrated Shield Plans comprise 2 parts: (i) MediShield (or MediShield Life after introduction) and (ii) a top-up portion providing additional coverage for the additional expenses in private hospitals or Class A/B1 wards in the public hospitals. However, premiums will be higher, so do consider your choice of ward class carefully and the premiums over the lifetime, and plan your insurance coverage accordingly.
PREMIUMS AND SUBSIDIES
1. What are the different types of Government subsidies to help Singaporeans with their MediShield Life premiums? Who will be eligible for them?
The Government will directly help Singaporeans with their MediShield Life premiums, such as Premium Subsidies for the lower- to middle-income, Pioneer Generation subsidies for the Pioneers, Medisave top-ups and Transitional Subsidies for Singapore Citizens to phase in the shift to MediShield Life.The different types of subsidies are:
Premium Subsidies (up to 50%) for lower- to middle-income Singaporeans with household monthly income per person of $2,600 and below and living in residences with an Annual Value of $21,000 and below. Individuals who own multiple properties will not be eligible. Permanent Residents (PRs) will receive half the applicable Singapore Citizens (SCs) rate.
Pioneer Generation Subsidies and Medisave top-ups for the Pioneer Generation (up to 60%) ranging from 40-60% and up to $800 a year respectively, regardless of household income and Annual Value of residences. With the Pioneer Generation subsidies and Medisave top-ups, all Pioneers will pay lesser MediShield Life premiums than MediShield premiums today.
Transitional Subsidies for the first 4 years of MediShield Life for all Singapore Citizens regardless of household income and Annual Value of residences. This to phase in the impact of the premium increases and is over and above the premium subsidies for lower- to middle-income Singaporeans. In the first year of MediShield Life in end 2015, the Government will pay for 90% of the net increase in premiums (after taking into account other premium subsidies). You will pay only 10% of the net increase. The transitional subsidies will be stepped down so that you pay 30%, 60% and 80% of the net increase in the second, third and fourth year of MediShield Life respectively.
Additional Premium Support for all needy Singaporean families on a case-by-case basis. This is to provide help for those who are unable to afford premiums even after the subsidies provided by the Government.
2. How much are my MediShield Life premiums? How much subsidy will I receive?
To calculate your estimated MediShield Life premiums after the applicable Premium Subsidies, please click here.3. I am a Pioneer Generation member. How much subsidies will I receive for my MediShield Life premium?
The Pioneer Generation (PG) will be eligible for Pioneer Generation Subsidies to ensure premium affordability. The premium subsidies range from 40% at age 65 to 60% at age 90.The Government is committed to help the Pioneers aged 80 and above in 2014 to fully cover their MediShield Life premiums, through a combination of Pioneer Generation Subsidies and Medisave top-ups. For the younger Pioneers who are fully covered by MediShield today, they will pay about half of their current MediShield premiums after Pioneer Generation Subsidies and Medisave top-ups.
To calculate your estimated MediShield Life premiums after the applicable Pioneer Generation Subsidies, please click here.
For Singaporeans who are unable to pay their remaining share of premiums even after the premium subsidies and Medisave top-ups, additional premium support will be provided, e.g. through Medifund or a similar scheme. No Singaporean will drop out of MediShield Life because of inability to pay for premiums.
4. How will the Government help those who cannot afford their MediShield Life premiums?
All Singaporeans will remain covered under MediShield Life and no one will drop out due to inability to pay their premiums. The Government will directly help Singaporeans with their MediShield Life premiums, such as Premium Subsidies for the lower- to middle-income, Pioneer Generation subsidies for the Pioneers, Medisave top-ups and Transitional Subsidies for Singapore Citizens to phase in the shift to MediShield Life.For Singaporeans who are needy and are unable to pay their share of premiums even after subsidies, the Government will provide Additional Premium Support, to help them further with the payment of their MediShield Life premiums.
5. Will I be eligible for the Premium Subsidies for the rest of my life?
Yes, for as long as you meet the eligibility criteria. Premium subsidies are provided to help the lower- to middle-income households with their MediShield Life premiums. Pioneer Generation subsidies are applicable for the rest of the Pioneer’s life.The Government will ensure that the process for subsidies is as simple and convenient as possible, so that those who meet the eligibility criteria can get the subsidies easily. For more details, please refer to the questions on ‘Facilitated Eligibility Check for Premium Subsidies’.
6. Will I receive Premium Subsidies if my child is paying for my MediShield Life premium?
You will be able to receive subsides if you meet the eligibility criteria.Premium Subsidies (up to 50%) are available for lower- to middle-income Singaporeans with household monthly income per person of $2,600 and below and living in residences with an Annual Value of $21,000 and below. Individuals who own multiple properties will not be eligible. Permanent Residents (PRs) will receive half the applicable Singapore Citizens (SCs) rate.
7. To receive Premium Subsidies, why is the household monthly income per person criteria set at $2600? Does this mean if I earn above $2600, I am considered high income and cannot receive any Premium Subsidies?
The $2,600 figure refers to the household monthly income per person, which is based on the total income earned by a family staying in the same residential address, divided by the number of members of that family.So, if the total income earned by family members is $10,000, and there are four members in the family, then the household monthly income per person is $2,500, and the family would qualify for subsidies.
By providing subsidies for Singaporeans with household monthly income per person of $2,600 and below, two-thirds of the population will receive help.
This is a fairer way of calculating the need for subsidies, because a family with more members may need more support, even if the total income they make is quite high. This is because the amount they can spend on each family member will be lower if there are more family members.
Families in a lower household income category will get a higher subsidy rate. In this way, we give more help to those who have less resources and need more help. This is part of being a compassionate and inclusive society.
8. The use of Annual Value / Multiple Property Ownership as an assessment criterion for MediShield Life premium subsidies will overlook ‘asset-rich, cash-poor’ citizens. Will there be any flexibility that can be extended to these citizens if they face difficulty with their premiums?
In general, Government subsidies should be targeted at those in greater need. The assessment approach for MediShield Life premium subsidies uses the household monthly income per person and Annual Value (AV) of homes as a way to assess the household’s means and better target these subsidies. In addition, those who own multiple properties will not be eligible for premium subsidies.The household assessment process strikes a balance between being more precise in assessing applicants’ means and keeping the process simpler for applicants and administratively practical. While the approach is not perfect, it provides us with a fair and objective basis to take a person's income and wealth into consideration.
Annual Value is a relevant consideration, as among those who with the same income, those who live in homes with a higher AV would generally be better off than those who live in homes with a lower AV. The $21,000 AV threshold covers all HDB flats and a small number of private properties. Similarly, Singaporeans who own multiple properties would also have more means to pay for their premiums.
For those with difficulties affording MediShield Life premiums, but who do not qualify for premium subsidies due to their AV status / multiple property ownership, there will be Additional Premium Support available on a case by case basis, in line with family circumstances.
To help with the move from MediShield to MediShield Life, all Singapore Citizens, regardless of income and Annual Value of home / multiple property ownership, will receive transitional subsidies over the first 4 years if they experience an increase in their premiums after subsidies.
Those living in homes with higher AVs or own multiple properties will also continue to benefit from substantial healthcare subsidies e.g. at polyclinics and public hospitals. From time to time, they also receive Medisave top-ups to help them with healthcare expenses.
Overall, we aim to be both fair and progressive, with general subsidies available to all citizens but the support tiered to target those who require greater support.
9. The majority of Singaporeans are covered under Integrated Shield Plans. Are they eligible for Premium Subsidies?
Yes, Singaporeans covered under Integrated Shield Plans (IPs) will also receive the applicable MediShield Life subsidies if they meet the eligibility criteria.IPs are made up of 2 parts: (i) MediShield (or MediShield Life after introduction) and (ii) a top-up portion providing additional benefits and/or coverage (in private or public hospitals).
Premium Subsidies for those who are currently insured under IPs will be applied only on the MediShield Life component of the IP premiums.
10. I am a Pioneer Generation member and have an Integrated Shield Plan, will I benefit from the Pioneer Generation Subsidies for my MediShield Life premiums?
Yes. Integrated Shield Plans (IPs), are made up of (i) MediShield (or MediShield Life when it is introduced) and (ii) an enhanced portion providing better benefits and/or higher coverage (in private or Class A/B1 wards in public hospitals). For those with IPs, the Pioneer Generation subsidies will apply to the MediShield Life component of their IP premium.11. What is the difference in treatment between Singapore Citizens and Permanent Residents?
MediShield Life will cover all Singapore Citizens and Permanent Residents.Singapore Citizens are eligible for Premium Subsidies, with those who are older, have lower income (or living in residences with lower Annual Value) enjoying higher subsidy rates. Permanent Residents will receive half of the subsidy rates applicable to Singapore Citizens. (This is aligned to the subsidy policy in public healthcare institutions.)
Transitional subsidies apply only to Singapore Citizens.
12. Premiums were just increased substantially in 2013. Why do premiums have to increase in this round?
Premiums are actuarially priced to take into account benefits provided and claims experience of the risk-pool. The premium increase in 2013 was to support the increased claims experience and improved benefits. This included the introduction of coverage for congenital and neonatal conditions, and coverage of inpatient psychiatric treatment for those born and diagnosed on or after 1 March 2013.With additional increased benefits and coverage under MediShield Life, premiums will need to be increased to support the expected higher payouts. MediShield Life will provide significantly better benefits, for all, including those with pre-existing conditions, and for life. For example, the daily claim limits will be raised by up to 55%, while the outpatient claim limit for chemotherapy treatment will be more than doubled. Co-insurance rates will be halved.
A very small part of members’ premium increases also goes toward the costs of universal coverage shared by the general population. The Government will bear the bulk of the cost for universal coverage. For the working age groups, part of the increase in premiums is also to pay for premiums ahead to achieve a more even distribution of premiums over one’s lifetime. This will help to cushion the impact of premium increases during the retirement years through premium rebates.
The Government has committed to directly help Singaporeans with their MediShield Life premiums, such as premium subsidies for the low- and middle-income groups, through the Pioneer Generation subsidies, Medisave top-ups and additional transitional subsidies to phase in the premium increases.
13. Are my premiums increasing because of the elderly?
No. MediShield and MediShield Life premiums are age-based, i.e., set in line with the risks for each age group.With an ageing population, it is important to try to avoid intergeneration cross-subsidy, where the young help to pay for the old. If premiums were not priced by age, premiums will keep escalating as a growing number of elderly need to be supported by a decreasing number of younger policyholders. This will impose an increasing burden on future generations, and will not be sustainable.
This is different from the social insurance schemes in other countries, where the insurance contributions paid by the working population (e.g. through payroll taxes) are used to fund payouts, which are mostly used by the more elderly or sick.
FACILITATED ELIGIBILITY CHECK FOR SUBSIDIES
1. Why is the Government facilitating the eligibility check for MediShield Life Premium Subsidies?
MediShield Life Premium Subsidies are a key permanent feature of the scheme. Facilitated eligibility checks for MediShield Life Premium Subsidies will ensure that as many Singaporeans as possible are able to benefit from the subsidies. This is particularly important for the vulnerable and needy who may find it more challenging to put together the necessary forms and documents that are normally needed to access government subsidies.2. How will Government assess and extend MediShield Life Premium Subsidies to eligible Singaporeans?
The Government will facilitate the extension of Premium Subsidies by making the process as convenient as possible for the public. There is no need for the public to submit any application forms or income documents. MOH will use information in Government records to check and compute the MediShield Life Premium Subsidies for each individual. The public are encouraged to verify their household composition, to ensure that their information is updated and accurate.3. What is the definition of household members?
Household members refer to family members, i.e. related by blood, marriage and/or legal adoption and living together at the same residential address based on registered government records.Domestic helpers, tenants, friends are not considered as household members for the eligibility check.
4. What would Singaporeans have to do for the eligibility check?
No application is needed for Premium Subsidies for lower to middle-income households. The Government will use existing information in Government administrative databases to determine your subsidies. This ensures that subsidies reach as many Singaporeans as possible.Singaporeans can prepare for this process by taking two easy steps:
(1) Ensure the address on your NRIC is updated. This can be done at police posts, or the Immigration and Checkpoints Authority of Singapore, with the relevant supporting documents.
~ If there are tenants in your HDB flat, you should also update your tenant records with HDB.
(2) In a few months, look out for a letter to your household inviting you to confirm your household information online. This will help to ensure that you receive the correct amount of subsidies.
MOH will share more details on this later.5. If I have been previously assessed for other healthcare subsidy schemes such as Community Health Assist Scheme (CHAS), do I still need to verify my household information?
The information that households previously provided for CHAS will be one of our data references. However, as they may have applied some time ago, where necessary, we will ask households to verify their information to ensure that any subsequent changes to their status have been taken into consideration, so that they can receive the correct amount of Premium Subsidies.6. What would happen if the residential addresses of Singapore Citizens / Permanent Residents are not up-to-date?
Under the National Registration Act, an Identity Card (IC) holder is required to report his/her change of residential address within 28 days. We understand that there could be cases where individuals have yet to update their official addresses on their NRICs with the Government. We encourage the public to keep their official addresses on their NRICs up-to-date to minimise inaccuracies in the computation of their Premium Subsidies.7. How do I update my residential address on my NRIC?
An Identity Card (IC) holder is required to produce documentary evidence when reporting a change of address. He/she may proceed to ICA Building, Level 3 Citizen Services Centre or any of the Neighbourhood Police Posts/Centres to update the change of address on the IC.8. What if I do not verify my household information?
The Government will facilitate the eligibility check by using information within Government administrative databases for all Singaporean households. If a household does not verify its household information (i.e. check that all listed persons are family members living in the same address) during the verification exercise, the Government will compute the household’s subsidy eligibility based on household information from Government records. You are encouraged to verify your household information to ensure that you receive the correct amount of Premium Subsidies.9. I am uncomfortable with my personal data being accessed. Can I choose not to participate in the eligibility check for Premium Subsidies?
Yes, individuals may choose not to allow MOH access to their financial data, for example, income for the eligibility check. This can take place during the household information verification exercise.By choosing not to allow access to their financial data, one will not receive any Premium Subsidies as there is insufficient information for the eligibility check. Other household members will also not receive any Premium Subsidies given that the eligibility check cannot be completed because it is conducted on a household basis, and uses income of all household members. More details on how a person can choose not to participate from subsidy eligibility checks will be available later.
10. Will my information which was obtained for MediShield Life Premium Subsidies eligibility check be shared with other public assistance schemes?
To help Singaporeans, especially the vulnerable to benefit from other Government assistance schemes as easily and seamlessly as possible, it will be useful to share MediShield Life subsidy outcomes with these other schemes. However, detailed financial data will not be shared beyond MediShield Life, in order to protect the confidentiality of the information.Individuals can also choose not to share their subsidy eligibility for MediShield Life subsidies with other public assistance schemes. This can take place during the household information verification exercise.
ADDITIONAL PREMIUM SUPPORT
1. How will those with no income (e.g. needy, not working) be able to afford the MediShield Life premiums? What if they do not have enough Medisave or do not have a Medisave account?
There will be a process of active premium payment measures and extensive outreach to help Singaporeans with their premiums. There will be significant Government subsidies in the form of Premium Subsidies, Pioneer Generation Subsidies and Transitional Subsidies. Those who are less well-off will qualify for increased Government subsidies to reduce their premium payment.Medisave may be used to pay the full MediShield Life premiums. CPFB has a strong web of arrangements to help all employers, employees and self-employed persons keep their Medisave contributions current. If an insured has insufficient Medisave or no Medisave account, immediate family members such as parents and spouse, can help to use their Medisave to pay for their premiums.
If policyholders do not have family support to help them with their MediShield Life premiums, they can tap on the Additional Premium Support.
2. Who can qualify for Additional Premium Support? What are the eligibility criteria for Additional Premium Support?
Policyholders who have the means to pay for their premiums should do so. Premiums may be fully paid by Medisave. They can top up their Medisave with cash if their Medisave balance is low.The Government has provided significant Government subsidies in the form of Premium Subsidies, Pioneer Generation Subsidies and Transitional Subsidies. Those who are less well-off will qualify for increased Government subsidies to reduce their premium payment.
Additional Premium Support is designed to help those who are unable to afford their MediShield Life premiums even after Government subsidies, and have no family support to rely on. Possible examples include low-income single elderly without family support, low income families with multiple dependents, and people receiving Public Assistance. The Government will invite these individuals to apply for Additional Premium Support, and help them with the process if they are unable to do so themselves.
Flexibility will be exercised for individuals who may not completely meet the criteria but need help because of their financial circumstances.
DISTRIBUTING PREMIUMS MORE EVENLY OVER OUR LIFETIME (PRE-FUNDING)
1. What does distributing premiums more evenly over our lifetime refer to? Why is there a need to distribute premiums more evenly over our lifetime under MediShield Life?
MediShield Life premiums increase with age. This reflects the higher incidence of hospitalisation among the older age groups, and the higher bills incurred.Under MediShield Life, premiums are distributed more evenly throughout our life. Singaporeans pay more premiums while they are working, so that premiums rise less steeply in old age. This is important as they would have stopped work by then.
The additional amounts paid during working age are set aside in a pool in the MediShield Life Fund, which individuals and others in the same generation can tap on to receive premium rebates when they are older.
Distributing premiums more evenly over our lifetime helps us to pay ahead for premiums. Planning and saving for our future healthcare expenses will reduce concerns over whether we have enough savings during retirement.
2. An individual can also save for his future premiums through his own Medisave account. Why do we opt for this mechanism where monies that are paid ahead are pooled?
Paying ahead for insurance premiums is a more inclusive and collective approach to boost the support for each generation’s future old-age premiums. Under this approach, everyone pools some monies during working ages which are set aside to help support the old-age premiums of those of the same generation. Doing so gives Singaporeans a pool of pre-paid premiums to tap on in future, to cushion the impact of future increases during the retirement years.In contrast, while Medisave is useful to help with healthcare costs, including insurance premiums, there are also many competing demands for it such as hospitalisation bills and outpatient treatment for chronic diseases, which all add to pressure on Medisave balances.
3. How much more premium rebates will Singaporeans get in old age, with premiums distributed more evenly over our lifetime?
With higher premiums paid during working ages, the MediShield Life Review Committee’s recommendation is for premium rebates to start at an earlier age from age 66, instead of age 71. Please refer to Annex E of the report for more information on the enhanced premium rebate table applicable to incoming cohorts.For younger Singaporeans who pre-pay more during their working ages, the scheme is designed so that they receive greater premium rebates. This will help to offset more of old-age premiums for their generation.
4. I am in my 60s. Does this mean that I will pay higher premiums but will not enjoy the higher premium rebates?
For this age group, the MediShield Life premiums are mainly set to support the better benefits and their higher expected claims experience. They will benefit from premium rebates based on a level at which they had contributed during their working years.5. Why do premium rebates stop at age 90?
The current premium rebate schedule is designed to support premium rebates up to age 90, which was the maximum coverage age under MediShield. Pioneers above age 90 will not need to pay any premiums after the special Pioneer Generation MediShield Life subsidies and Medisave top-ups. In view of this, there is no immediate need to extend the last coverage age of the premium rebates.The Ministry of Health will review the premium rebate table from time to time so that the distribution of rebates is able to meet the needs of the elderly then.
6. What will happen to the premiums that Singaporeans have pre-paid in their working years should they pass away early? Will the monies be returned to their family members?
What everyone in the same age group pays ahead in premiums are pooled to help cushion the future increases in premiums during older ages. While some members may pass on earlier, the remaining pool of funds will need to help those of the same age who live longer and need to draw on more rebates.UNIVERSAL COVERAGE FOR ALL
1. Since MediShield Life will be rolled out in end 2015, what will happen to the very old who are above the maximum coverage age in the meantime?
MOH raised the MediShield maximum coverage age from age 90 to age 92 from March 2014. This interim extension ensured that the oldest insured members currently under MediShield will continue to remain protected under MediShield, before the transition to lifelong coverage under MediShield Life. For those above the age of 92, they can still receive significant government subsidies of up to 80% in the public hospitals, and pay for their remaining bills using Medisave. Medifund assistance is also available if they need it.2. I have been insured for many years but have not made a claim. Why should I remain insured under MediShield?
Insurance provides protection against the risk of undesirable outcomes. MediShield Life protects all Singaporeans against the risk of large hospitalisation bills. As with all insurance plans, we would prefer not to have had to claim from our health insurance, as doing so would mean that we have fallen ill. We all want to enjoy good health as far as possible. But with MediShield Life, we can have peace-of-mind that if we do fall sick and incur a large bill. We can enjoy better protection, with higher payouts to reduce the amount that we need to pay using Medisave and/or cash.3. I have my own healthcare coverage, why do I need MediShield Life? How is MediShield Life different from other insurance schemes?
All Singapore Citizens and Permanent Residents will be required to join MediShield Life when it is implemented. Under MediShield Life, Singaporeans will remain insured and receive lifelong protection for large hospital bills. The Government will provide support for premiums for the needy who are unable to pay. Even if you incur very large bills over your lifetime. The insurance cover will not be terminated when you get very sickUnlike MediShield Life, other healthcare coverage is not guaranteed for life. For example, employees with healthcare coverage from their employers will lose such coverage when they leave employment or retire. For those with other private insurance, they may lose this coverage if they are unable to pay for premiums, and they may not be able to re-apply for coverage later if they have already developed some health conditions.
4. Will new Singapore Citizens and Permanent Residents be required to join MediShield Life?
New Singapore Citizens and Permanent Residents will be required to join MediShield Life, in line with the principle of universal coverage. New Singapore Citizens and Permanent Residents with pre-existing conditions may have to pay Additional Premiums upon joining MediShield Life, similar to those with pre-existing conditions. They will receive premium rebates in line with their age of entry.All Singapore Citizens and Permanent Residents will be eligible for premium subsidies, if they meet the eligibility criteria.
5. I will be overseas for 2 years. Do I have to pay the MediShield Life premiums?
As part of the principle of universal coverage where all Singaporeans are covered under MediShield Life for life, Singaporeans who are based overseas should continue to remain insured. This will allow them to benefit from the MediShield Life protection for life, and also at any point that they choose to return to Singapore for medical treatment.6. I am a pensioner retired from the civil service. Can I opt out of MediShield Life?
Universal lifelong coverage under MediShield Life ensures that all Singaporeans will have assurance against large healthcare bills. It is in line with our move to a more inclusive society with stronger collective responsibility. To achieve this, the MediShield Life Review Committee has recommended that MediShield Life coverage be mandatory for all Singapore Citizens and Permanent Residents, including those who receive benefits from their employer. This enables all Singaporeans to share in our national risk pool and play our part in supporting our healthcare costs.If you are a pensioner, you will also be covered under MediShield Life. To ensure that pensioners will not be worse off with the introduction of MediShield Life, the Government will help pensioners with their MediShield Life premiums by paying for their premiums in full or providing an additional 2% Medisave contribution, depending on their respective medical benefit schemes. The Public Service Division has notified the pensioners. If you require more information, please write in to psd_qsm@psd.gov.sg.
7. What does the Government intend to do about the recommendations on Employer Medical Benefits?
The MediShield Life Review Committee called on employers and unions to work together to reduce duplication of coverage between employer medical benefits and MediShield Life, in line with suggestions received from the National Wages Council (NWC), National Trades Union Congress (NTUC) and Singapore National Employers Federation (SNEF). The Committee also recommended that the Government consider strengthening incentives for companies that are willing to provide portable medical benefits that ride on MediShield Life for their employees.The Government welcomes the observations made by the Committee on employer medical benefits. The Government encourages companies to look into how they can move towards portable medical benefits, in support of the national insurance plan. Employers who wish to implement portable medical benefits options today are supported by incentives to do so. We will study how we can help support more companies make this shift.
UNIVERSAL COVERAGE AND PRE-EXISTING CONDITIONS
1. What is universal coverage?
Universal coverage refers to the provision of MediShield Life coverage for all Singaporeans for life, regardless of pre-existing conditions or other reasons that they may not be covered under MediShield today.93% of the population are currently covered by MediShield. However, others are not covered for various reasons, because of serious pre-existing conditions, because they are above the maximum coverage age or because a small number are unable to afford premiums.
With MediShield Life, all Singaporeans will be covered regardless of their health condition and life circumstances. Those who are currently insured under MediShield but have exclusions for pre-existing conditions will also have their exclusions lifted and be fully covered under MediShield Life. (Currently these policyholders who are insured under MediShield with exclusions are not able to make claims for bills related to the excluded conditions.)
A list for standard exclusions, such as cosmetic treatment, will still apply under MediShield Life. All policyholders will not be able to make claims for bills related to such exclusions.
2. What is the total cost of universal coverage and how will this be split across Government, general insured population, and those with pre-existing conditions?
The total cost of universal coverage is estimated to be $1.1 billion in the first 5 years of MediShield Life. This is because those with pre-existing conditions are more likely to incur costs for the treatment of their conditions. The Government has accepted the Committee’s recommendation for the Government to bear the bulk of the costs (about 75%) with the remaining cost split between all policyholders and those with pre-existing conditions.Policyholders will pay no more than 3% from their current MediShield premiums due to the cost of universal coverage. Uninsured members who have pre-existing conditions that developed before the start of MediShield Life coverage may have to pay Additional Premiums of 30% for 10 years, depending on how serious the condition is. Insured members whose conditions developed before the start of MediShield coverage will similarly have to pay Additional Premiums, reflective of their higher risks.
This cost-sharing approach helps our fellow Singaporeans and is line with our move to strengthen risk-pooling across society and build a more inclusive society. Many members of the public have expressed their support for sharing in part of the costs of universal coverage, to help their friends and neighbours.
3. Of the 7% (~270,000) uninsured, how many have pre-existing conditions? How many of the insured have exclusions? How will these groups benefit from the move to universal coverage?
Of the 7% of Singaporeans who are uninsured, approximately a fifth of them (or 60,000) are estimated to have pre-existing conditions of varying severity. Of those who are currently insured under MediShield, 65,000 (less than 2% of those currently insured) are estimated to have exclusions.With the move to universal coverage under MediShield Life, the uninsured with pre-existing conditions will now receive full coverage under MediShield Life, while those currently insured with exclusions will have all exclusions lifted, and also enjoy full coverage.
MOH and CPFB are currently reviewing the type of pre-existing medical conditions to be subject to Additional Premiums. More details will be shared later in the year.
4. For those with pre-existing conditions, why do they need to pay Additional Premiums? What is the reason for setting it at 30% over 10 years? Would this be too onerous for some?
In line with the principle of collective responsibility, the Committee has recommended that the costs of including all Singaporeans in MediShield Life be shared among Government, the general population, and those with pre-existing conditions. The Committee recommended that the unhealthy uninsured and the insured with exclusions pay a higher premium as a reflection of the higher risks they pose to the pool and to fund part of their coverage.The recommended Additional Premiums balances between reflecting the higher risks of covering these individuals and ensuring that premiums remain affordable and are not overly onerous. Those with pre-existing conditions would already have been bearing higher medical costs in the past and we are sympathetic to their circumstances. Hence the Additional Premiums does not reflect the actual costs of their coverage. Instead, their Additional Premiums will be set at 30% for a limited period of 10 years, as part of their co-sharing of the total costs of covering all Singaporeans under universal MediShield Life.
The bulk of the costs will be taken up by the Government.
5. Are subsidies applicable to the 30% Additional Premiums for those with pre-existing conditions?
Yes, all subsidies are applicable to the 30% Additional Premiums to be applied for those with pre-existing conditions. This includes the Premium Subsidies for the lower- to middle income, Pioneer Generation Subsidies and Transitional subsidies. For the needy, on a case by case basis, the Government will provide Additional Premium Support.6. What are pre-existing conditions? How will I know if I need to pay Additional Premiums?
A pre-existing condition is a medical condition or illness that an individual already has before he is covered under an insurance plan. If your health condition developed before you started your MediShield/ Integrated Shield Plan coverage, depending on how serious your condition is, you may need to pay Additional Premiums of 30%, for a period of 10 years. Examples of serious pre-existing conditions for which you may have to pay Additional Premiums include cancer, kidney failure, stroke and heart diseases.However, if your health condition developed after your insurance cover with MediShield / Integrated Shield Plan started, you will not be considered to have a pre-existing condition and will not need to pay Additional Premiums.
You will be informed in writing if you have to pay Additional Premiums.
7. What are the serious pre-existing conditions that require me to pay Additional Premiums?
Some examples of serious pre-existing conditions that would require Additional Premiums include stroke, cancer, kidney failure and heart disease. More details on the serious pre-existing conditions that will result in Additional Premiums will be made known at a later date.8. What if my health condition has improved? Must I still pay the additional premium?
Those who have to pay Additional Premiums due to serious pre-existing conditions will be informed in writing by CFPB. Singaporeans may provide CFPB with their latest medical records to apply for a review of their health condition if it has significantly improved.If additional information is required for this review, members may have to provide additional medical records or undergo a medical examination.
9. Will policyholders with developmental disorders need to pay the Additional Premiums?
Individuals whose conditions were diagnosed before their MediShield / MediShield Life insurance started may need to pay Additional Premiums, if their conditions are serious.Developmental disorders do not result in higher risks of future complications or recurrence that require prolonged hospitalisation or expensive outpatient treatments. Hence, individuals with such pre-existing conditions such as Autism will not need to pay Additional Premiums on the basis of these developmental conditions. However, if an individual with Autism also has other pre-existing conditions with serious medical complications which are likely to result in higher risk of claims such as congenital heart disease and kidney disease, MediShield Life will require Additional Premiums on the basis of the serious medical condition.
10. When will I know if I have to pay the 30% Additional Premiums?
The process of identifying individuals without pre-existing conditions will take place in 2H2015. Only those who are assessed to have a serious pre-existing condition and need to pay the 30% Additional Premiums, CPFB will notify you in writing.11. I am currently uninsured and have pre-existing conditions. What will happen to me under MediShield Life? Can I apply for MediShield now?
Like all Singaporeans, you will automatically be covered under MediShield Life. If you have pre-existing conditions, you may be subject to Additional Premiums of 30% for 10 years. More details will be later this year. You will be informed in writing if you have to pay Additional Premiums.If you wish to apply for MediShield now, you may get more information from the CPF Board website (www.cpf.gov.sg >>Healthcare >> MediShield). You may have exclusions in your coverage for your pre-existing conditions.
PREMIUM RECOVERY MEASURES
1. Why is there a need for strong premium recovery measures?
With universal MediShield Life coverage, as part of collective responsibility, all Singaporeans should play their part in paying their premiums in a timely manner. This ensures that MediShield Life is able to meet its commitments to all its members and pay out on claims.The Government will provide strong support through various subsidies to help Singaporeans with their premiums. Active measures will also be taken to facilitate the payment of premiums, including deduction of premiums fully from Medisave balances, regular reminders, switch of payment arrangement to family members and Additional Premium Support for the genuinely needy.
However there may be a small group of wilful defaulters who have means but choose not to pay premiums. The premium recovery measures are targeted at this group to discourage freeloading and ensure that they also pay their fair share of premiums. Otherwise, premium defaults will translate to bad debts to the MediShield Life Fund and higher premiums for all.
2. Will those who are less well-off and unable to pay their premiums face these premium recovery measures?
Before the premium recovery measures kick in, there will be many efforts to enable Singaporeans to pay for their premiums, and outreach to invite them to ask for further assistance if needed.The Government will provide strong support for premiums:
a. Government will bear the bulk of the cost of extending coverage to those with pre-existing conditions;
b. Premium Subsidies for lower- to middle-income Singaporeans with household monthly income per person of $2,600 and below and living in homes with an Annual Value of $21,000 and below.
c. Pioneer Generation Subsidies and Medisave top-ups for the Pioneer Generation ranging from 40-60% and up to $800 a year respectively, regardless of household income and Annual Value of residences. With the special subsidies and Medisave top-ups, all Pioneers will pay less premiums than today.
d. Transitional Subsidies for the first 4 years of MediShield Life for all Singapore Citizens regardless of household income and Annual Value of homes.
In addition, to minimise cash payment for Singaporeans, Medisave may be used to pay the full MediShield Life premiums after subsidies. Singaporeans can also use their Medisave to help pay for their family members’ premiums.Measures to help with premium payment include:
a. Helping to keep Medisave contributions current. As MSHL premiums are deducted from a policyholder’s Medisave account, the first step is to ensure that Medisave contributions are kept current. CPF Board has in place a web of arrangements with multiple government agencies to ensure employers, employees and especially self-employed persons meet contribution requirements.
b. Supporting switch of payment to other family members’ Medisave accounts. If an insured person has insufficient Medisave balance, immediate family members such as parents and spouses can help to use their Medisave to pay for their premiums.
c. Regular reminder letters to top up the insured’s Medisave account and to pay MediShield Life premiums.
The Government will also provide Additional Premium Support for the needy who face difficulties in paying premiums even after the subsidies and other payment measures.3. What are the premium recovery measures? Why are they aligned to those for tax? Who will enforce premium payment?
Prior to premium recovery, there will be a process of active premium payment measures and extensive outreach to help Singaporeans with their premiums. For those who have missed premium payments, notices and reminders will be sent, to give them sufficient time to respond or make arrangements to pay. They will also be informed of the availability of Additional Premium Support, before further premium recovery steps are taken.However, for those who have means but choose not to pay MediShield Life premiums despite the multiple notices and reminders, there will be a strong set of measures for premium recovery. Otherwise, premium defaults will translate to bad debts to the MediShield Life Fund and higher premiums for all. The premium recovery measures take reference from income tax recovery measures.
The premium recovery measures are:
(i) Appointment of defaulter’s agents (such as the defaulter’s employers, banks and tenants) to recover the outstanding premiums
(ii) Offsetting outstanding premiums against one-off Government surplus-sharing transfers (e.g. Growth Dividends)
(iii) Recovery from CPF monies that are withdrawn in cash
(iv) Imposition of travel restrictions in certain circumstances
(v) Legal action to recover the arrears
(vi) Recovery from the defaulter’s hospitalisation claim payout
Penalties will be imposed on those who do not pay. Those who persistently delay premium payment may also have to pay back the interest lost to the MediShield Life Fund.4. Who is responsible for their premium?
The insured person is responsible for his own premiums.For a minor below the age of 21, his parents or legal guardians will be responsible for his premiums if he does not have sufficient Medisave balance.
5. Why is there a need to impose interest?
Interest may be imposed on outstanding premiums where appropriate e.g. defaulters with premium arrears outstanding for prolonged periods. The interest may be compounded and recovered together with the outstanding premiums.This fairly reflects the opportunity cost to the MediShield Life Fund, which would otherwise be invested in order to support future payments (e.g. MediShield Life claims) from the MediShield Life Fund. This loss translates to higher premiums for the rest of the insured if they are not recovered timely and sufficiently.
6. What happens if the defaulter is overseas?
Overseas Singaporeans will be covered under MediShield Life and they can return to Singapore to seek treatment anytime they wish to. They will have to pay premiums and are subject to premium recovery measures if they wilfully refuse to pay premiums.7. Will I be arrested if I am unable to pay my premiums?
You will not be arrested if you are unable to pay for your MediShield Life premiums. Various forms of support are available to help with the payment of your MediShield Life premiums.However if an insured person is informed that he is restricted from leaving the country until his MediShield Life premiums are paid, but still tries to leave the country, he will be arrested.
MEDISHIELD LIFE FUND
1. What do the reserves of the MediShield Fund support?
The MediShield Fund needs to set aside enough monies to honour pay-outs for projected claims and for expected long-term payouts. Some of the long-term payouts that must be supported by the Fund include:
a. Claims incurred but not yet submitted or paid: This is for expected incoming claims, where the treatment has taken place but claims have yet to be made. This includes estimated provisions for both claims that are still being processed and those that have not been submitted right away.
b. Claims not yet incurred but expected to be paid in the future: This is for claims where treatment has not taken place but are expected to occur in the future based on actuarial projections. This also includes an allowance for the fact that MediShield premiums typically remain constant for several years at a time, whereas average claims go up each year with the increasing cost of medical treatments. The reserves also help the scheme meet all its obligations to members during these years when premiums are constant.
c. Continuing claims which have a long tail: The Fund sets aside provisions to cover the projected total future costs for those who have started on multi-year treatments. For example, renal failure patients claim up to $1,000 per month, or up to $12,000 per year. Such treatment continues for many years and the claims are provided for in Fund reserves to help ensure that total lifetime claims for these patients can be met.
d. Future premium rebates: Policyholders currently pay some premiums ahead in their working ages so that premiums rise by less during retirement when claims go up. This helps to distribute premiums more evenly throughout our lifetime. These premiums remain within the MediShield Fund until it is time to disburse the premium rebates – so that net premiums payable in old age will be lower.
2. What were the premiums and claims in recent years? What is the MediShield incurred loss ratio?
The premiums collected, claims paid, change in required reserves for scheme liabilities and the MediShield incurred loss ratio are shown in the table below.
Year
|
Premiums
Collected
[A]
|
Claims
Paid
[B]
|
Change in Required Reserves to Fund Expected Scheme Liabilities
[C]
|
Incurred Loss Ratio
([B]+[C])/[A]
|
2009
|
$372.1m
|
$214.6m
|
-$11.7m
|
55%
|
2010
|
$385.6m
|
$248.6m
|
$152.6m
|
104%
|
2011
|
$404.7m
|
$282.4m
|
$201.2m
|
119%
|
2012
|
$421.3m
|
$315.1m
|
$154.0m
|
111%
|
2013
|
$770.0m
|
$334.6m
|
$366.3m
|
91%
|
2009 to 2013
|
$2,354m
|
$2,257m
|
96%
| |
3. Why do some people cite the MediShield loss ratio as being low? What is the actual MediShield loss ratio? Why does it include the required change in reserves?
The loss ratio is sometimes cited as a simple measure of premiums collected over the claims paid out in each year. However, this omits a large part of what premiums are meant to support, namely future short and long term claims and premium rebates. For example, MediShield’s benefits cover a dialysis patient’s treatment over many years. These are future liabilities that a simple comparison of premiums versus claims does not take into account of.The incurred loss ratio is a more holistic measure that compares total inflow to total monies required to ensure that the Fund is able meet its liabilities in the future, by taking into account changes to reserves. Total monies required for the Fund includes claims paid in each year and reserves needed for future payouts. The incurred loss ratio over a five year period (2009 to 2013) was 96%, where the MediShield Fund collected $2.35 billion in premiums and paid out or set aside $2.26 billion to support policyholders’ claims.
4. If the MediShield Fund already has significant reserves, why do we need to increase premiums for MediShield Life? (Even if there is a need to take care of future payouts for recurring claims, e.g., for dialysis, the dialysis patient will be paying premiums in future. Can’t these future premiums be used to fund the future payouts then?)
MediShield (and later, MediShield Life) is not-for-profit and there is no profit margin in the premiums. Premiums are actuarially priced to meet policyholders’ claims over time taking into account MediShield (MediShield Life)’s benefits and claims experience. This helps ensure that the Fund is adequate to sustain policyholders’ claims and provide for future expected payouts.Depending on future premiums to cover future known claims is not prudent. This is because it is not a certainty that premiums will always be enough to cover claims then. Premiums are priced to ensure that MediShield life remains sustainable in the long term. If the premiums do not take into account possible future payouts, the Fund’s ability to meet its long-term commitments will have to depend on future ad hoc premium increases beyond healthcare inflation to make up for the shortfall.
Instead, by setting aside monies now to support future claims, the Fund better ensures that policyholders are assured of their payouts even if the Fund is unable to collect enough in premiums in future. For example, patients can claim up to $1,200 per month, or up to $14,400 per year for dialysis treatments and related drugs. Such treatment continues for many years and the payouts must be supported to provide the patient with peace of mind. Hence, these claims are prudently provided for in the Fund reserves to help ensure that total lifetime claims for these patients can be met, even in difficult times.
To better help Singaporeans with their MediShield Life premiums, the Government has announced various support, such as Premium Subsidies for the lower- to middle- income, Pioneer Generation Subsidies and Medisave top-ups, and Transitional Subsidies to phase in the premium increases.
5. Are MediShield Life Fund’s reserves necessary?
Similar to other insurance funds, adverse scenarios may impact the solvency of the MediShield Life Fund, such as worse than expected claims experience. It is therefore important that the MediShield Life Fund has sufficient reserves to continue paying out benefits during such times without having to make sudden adjustments to premiums. It would not be prudent to only hold the absolute minimum buffer as a small variation in claims may result in the Fund being unable to meet its claim liabilities subsequently.MediShield Life Fund’s reserves are set to meet similar standards based on the Monetary Authority of Singapore’s risk-based capital framework that applies to insurance companies, including those offering long term healthcare plans. The objective is to ensure sufficient funds to meet both short-term and long-term payouts.
6. How is the MediShield Life Fund’s investment strategy determined?
One of the roles of the MediShield Life Council will be to review the investment strategy of the MediShield Life Fund and recommend an optimal strategy to the Minister of Health of the MediShield Life Fund.MEDISHIELD LIFE COUNCIL
1. What is the MediShield Life Council? What is the purpose of the Council?
The MediShield Life Council will be an independent body set up to ensure that the administration of the MediShield Life Scheme is in line with the policy intent and to review the scheme to ensure that it remains relevant and sustainable.The Council will provide advice on the administration of the scheme, in areas such as the design of scheme benefits and parameters, provision of Additional Premium Support for the needy and the approach to recover premiums. The Council will also consider views from stakeholders and the public as they review the administration of MediShield Life.
Its functions are:
a. To make recommendations to the Minister for Health on policy and scheme parameters to ensure that the MediShield Life scheme provides effective protection for citizens and permanent residents of Singapore in an affordable and sustainable manner;
b. To review the administration of the MediShield Life scheme to ensure alignment with the directions of the Council; and
c. To advise the Minister for Health on matters related to the investment of the Fund, and any other matters related to the Scheme or the Fund as the Minister for Health may direct.
The Council will be established by end 2015. More details on the Council will be announced later.INTEGRATED SHIELD PLANS (IPs)
1. I already have an Integrated Shield Plan. How is MediShield Life relevant to me?
Integrated Shield Plans (IPs) comprise 2 parts – the MediShield portion and a top-up portion. Those covered under IPs currently enjoy the combined benefits of MediShield, which is run by the CPF Board, and the additional benefits of the top-up portion, which is run by private insurers. When implemented, MediShield Life will automatically replace the current MediShield portion in your IP.As MediShield / MediShield Life is a subcomponent of your IP coverage, you need not worry that there is duplicate coverage between MediShield Life and your IP.
As MediShield Life will cover all pre-existing conditions, all IP policyholders will also enjoy MediShield Life coverage for life, for any pre-existing conditions. This will apply even if your pre-existing condition is excluded from the top-up coverage by your private insurer. You will have peace of mind that you will continue to remain covered at the basic level, even if you have exclusions on your IP cover or you have to drop your IP cover.
2. How will my Integrated Shield Plan premiums be affected?
Integrated Shield Plans (IPs) are private plans that have been integrated with the MediShield to form a single integrated plan. IP policyholders enjoy the benefits and coverage of the MediShield tier, plus additional coverage provided by their private insurers for Class B1/A ward classes and private hospital stays. IP premiums include a component for the MediShield tier and a top-up component offered by the private insurer. IP premiums are much higher than MediShield premiums because of their targeted coverage at Class B1/A ward classes and private hospital stays. With MediShield Life, it will replace the MediShield component within IPs.Singaporeans who are currently on IPs will not be disadvantaged with the introduction of MediShield Life. The Integrated Shield insurers have committed that there will be no increase in their top-up component of premiums for IPs targeted at Class A and Class B1 wards. For plans covering private hospitals, IP insurers will take into account the effect of MediShield Life benefit enhancements, in addition to other important factors including past claims experience, projected future medical inflation rate and claims usage.
The Ministry of Health welcomes the commitment by the five Integrated Shield Plan insurers not to increase the top-up portion of Integrated Shield Plan premiums for plans providing Class B1- and A-level coverage, for a year after MediShield Life is implemented.
3. With the introduction of MediShield Life, should I continue to stay on my Integrated Shield Plan?
Integrated Shield Plans (IPs) are private plans comprising coverage of the basic MediShield tier, plus additional coverage from private insurers so that policyholders can be adequately covered for Class B1, Class A or private hospital stays. Premiums are much higher than MediShield premiums.We advise you to carefully consider your preferred ward class and purchase insurance coverage accordingly. Do also consider the affordability of premiums over the long-term.
4. I find it difficult to pay for my Integrated Shield Plan. Should I let my coverage lapse now, and re-join later when the Premium Subsidies are available?
If you intend to keep your Integrated Shield Plan coverage, please continue to retain your insurance coverage and do not let it lapse. Should you wish to rejoin later, you may be subject to additional health checks and any health conditions that you have developed at that time may be excluded or attract higher premiums (risk-loading), if the insurer offers this as an option.If premium affordability of your Integrated Shield Plan is of concern, you could consider switching to a cheaper Integrated Shield Plan or to MediShield, in line with your circumstances and preferences. For example, if you intend to use Class B2/C wards but have an insurance plan intended for private hospitalisation, you may wish to adjust your coverage to MediShield Life. This will ensure that you are appropriately covered in line with your preferences, and reduce your outlay.
5. Will I receive Premium Subsidies even though I am insured under an Integrated Shield Plan? Do I have to downgrade my insurance plan to MediShield to receive the premium subsidy?
Yes, you will still be able to receive the applicable MediShield Life subsidies (i.e. Premium Subsidies for lower- to middle-income; Pioneer Generation subsidies; Transitional Subsidies) if you meet the eligibility criteria, even if you are insured under an Integrated Shield Plan. You do not have to downgrade your plan to receive the subsidies.The Integrated Shield Plans (IPs) are made up of two parts: (a) MediShield (or MediShield Life (after introduction) and (b) an top-up portion providing better additional benefits and/or coverage (in private hospitals or Class B1/A ward classes in public hospitals).
Premium Subsidies for those who are currently insured under IPs will be based on the MediShield Life component of the IP premiums.
6. With MediShield Life, will the Integrated Shield Plans cover pre-existing conditions? Can I now get coverage under Integrated Shield Plans for my pre-existing conditions?
Integrated Shield Plans (IPs) are private plans comprising coverage of the basic MediShield tier, plus top-up coverage from private insurers so that policyholders can be adequately covered for Class B1, Class A or private hospital stays. When implemented, MediShield Life will replace the current MediShield portion in each IP.You can get coverage for pre-existing conditions, and be assured of lifelong coverage, under the MediShield Life component. This is even if the condition is excluded from the top-up coverage by your IP insurer.
The MediShield Life Review Committee had recommended for the Government to allow for IP insurers to manage those with pre-existing conditions differently from healthy policyholders, including allowing for risk-loading, i.e. charging policyholders higher premiums to insure their pre-existing conditions. The Government will work with the private insurers on how to do this in a way that benefits policyholders.
7. Are there any updates on changes that will be made to Integrated Shield Plans? Where can I find details of the Standard Integrated Shield Plan?
Changes related to Integrated Shield Plans (IPs) will be made known later in the year.The Government is working with the IP insurers to develop a Standard IP, which will have standardised benefits regulated by Government. The Standard IP, targeted at coverage at Class B1 level, will give Singaporeans an option for additional coverage beyond basic MediShield Life in a standardised, affordable and easily understood package. More information on the Standard IP will shared later in the year.
OTHERS
1. Do I need to apply for MediShield Life?
All Singapore Citizens and Permanent Residents will be automatically covered under MediShield Life when it is rolled out in end 2015. You do not need to apply for MediShield Life, whether you are currently already covered by MediShield or not.CPF Board will inform you of the details of MediShield Life nearer to the implementation date.
2. When will MediShield Life be implemented? Why can’t MediShield Life be implemented earlier?
MediShield Life will be rolled out in end 2015. The MediShield Life Review Committee submitted its final report and recommendations to the Government on 23 Jun 2014. The Government has accepted the Committee’s recommendations and will need to work on implementing the extensive changes until end 2015. This includes bringing in the 7% of Singapore Citizens and Permanent Residents who are uninsured, revising the benefit structure and claims system, updating the premium collection system, including putting in place a new framework to provide Premium Subsidies and Additional Premium Support for policyholders.3. What does the Government intend to do about the recommendations on managing healthcare inflation?
The Government agrees with the Committee’s recommendations on the need to better manage healthcare costs and will study their suggestions. The management of healthcare costs will require the support of all parties, including Singaporeans, healthcare providers and insurers.Singaporeans can play their part by actively pursuing healthy lifestyles and being careful to avoid over-consumption when seeking healthcare treatment. The Government will continue to support Singaporeans in choosing healthy lifestyles, as laid out in the Healthy Living Masterplan.
4. What does the Government intend to do about the recommendations on increasing public awareness of our healthcare financing system?
As part of the roll-out for MediShield Life, the Government will look into how it can strengthen public education on our healthcare financing system and MediShield Life.Having a good understanding of our healthcare system will enable Singaporeans to better plan and prepare for their healthcare needs.
Medishield Life FAQ
Medishield Life FAQ (Feb 2015)
First of eight-part series of Medishield Life brought to you by MOH
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Fifth of eight-part series of Medishield Life brought to you by MOH
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https://www.moh.gov.sg/content/moh_web/home/Publications/educational_resources/2015/what-you-need-to-know-about-medishield-life--advert-/_jcr_content/entryContent/download_23/file.res/Do%20You%20Need%20an%20Integrated%20Shield%20Plan%20(Eng).pdf
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