HEALTHCARE @SG

3 schemes in the little red dot.

LETS BEGIN!

InformationThe Ministry of Health (MOH) is in charge of healthcare in Singapore. It ensures that all Singaporeans are entitled to quality and affordable healthcare. NEXT

Philosophy a.k.a Ideals“Building a healthy population through preventive healthcare programmes and promoting a healthy life style” “Hospitals and healthcare system will never withhold help to a Singaporean because of financial limitations.”

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THE SECRET BEHIND SUCCESS

The Formula : 3M

(Medisave + Medishield) + Medifund

However, most importantly, it is due to healthy lifestyle promoting

campaigns

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MedisaveIntroduced in 1984.Put asides % of salary into their Medisave account to meet future medical expenses.The savings can be withdrawn anytime to pay medical bills.But there are withdrawal limits. NEXT

MedisaveAs one gets older, one must contribute a greater % of their salaries.More information: http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=324

To Medishield >

MedishieldIntroduced in 1990.To meet the huge expenses due to major illnesses, which couldn’t be covered by Medisave only.

How does Medishield works?

No. I want to know about Medifund!!

MedifundEndowment fund set up by the Government to help needy Singaporeans who are unable to pay for their medical expenses, acting as a safety net for those who cannot afford the subsidised bill charges, despite Medisave and Medishield coverage.

I GOT IT. LETS END.

ConclusionThese 3 schemes are very effective as it ensures that Singaporeans would have sufficient money to pay for their medical bills.

Information adapted from:http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=104

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How Medishield works

The yellow portion of the diagram below shows what is payable by Medishield. The orange parts are the portions payable by the Medishield policyholders either via cash or Medisave.

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THAT’S ENOUGH

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Deductible

Co-Insurance

Claimable Limits

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Medishield

Claimable LimitsClaimable Limits refers to the portion of your patient bill that is eligible for reimbursement. Your Claimable Limit, or claim amount, is determined by the maximum limits per day of hospitalisation, surgical procedures, surgical implants, and approved specific treatments and outpatient treatments.

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DeductibleA deductible is the initial amount you need to pay for claim(s) made in a policy year, before Medishield coverage starts. One needs to pay the deductible once in a policy year. The deductible helps to sieve out small claims, which can be paid using Medisave and/or cash, and keeps Medishield premiums affordable.

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Co-insuranceCo-insurance is the percentage of the bill you need to pay on the portion of the bill above the deductible. The larger your bill, the lower the co-insurance that you need to pay.Medishield will pay between 80% - 90% of the claim amount that exceeds the deductible

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BIBLIOGRAPHY

www.moh.gov.sg – The Official Website

http://www.american.com/archive/2008/may-june-magazine-contents/the-singapore-model

THANK YOU!

Thank You.

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