doctor’s daily attendance fees, and an additional
fixed limit for surgical procedures ranging from
$150 to $5,000
Psychiatric treatment
Up to $150 per day for the hospital and treatment
charges including a maximum of $50 for the
doctor’s daily attendance fees, subject to a
maximum of $5,000 a year
Medisave cannot be claimed for
Inpatient hospitalisation of less than eight hours
Cosmetic Surgery and other non treatmentrelated services (e.g. Private Nursing, ambulance,
medical reports, etc)
Medifund will assist needy Singapore Citizens5 who
despite heavy government subsidies are still unable
to pay for their medical expenses.
Please contact the hospital Business Office to apply
Example of Amount Claimable from
Medishield and MediSave
Medical condition: Cornary atherosclerosis
(blocked arteries)
Total hospital bill: $41,868.206
Length of stay: 28 days (including 6 days in ICU)
Ward class: C
•MediShield
MediShield is a low-cost catastrophic illness
insurance plan that helps patients cope with
large bills and covers up to 60% for class B2 and
C bills. If you are in the middle-income group who
prefers class A or B1 or private wards, you should
consider buying supplementary Medisave-approved
insurance plans for additional benefits, in addition to
basic MediShield
How much can you claim from MediShield?
This depends on your plan and these 3 factors:
Deductibles, Co-insurance and Claimable Limits
Deductible refers to the initial amount of the bill that
you would have to pay before insurance kicks in.
Co-insurance refers to the portion of the total claimable
amount that you would have to pay in addition to the
deductible. You can use Medisave to pay for both the
deductible and co-insurance portion.
Claimable Limits refers to the portion of the bill that
you can claim, which is subject to the maximum limits
per day for: hospitalization, surgical procedures,
surgical implants, and approved specific treatments
and outpatient treatments
The hospital will submit the MediShield claim to
the CPF Board on your behalf upon discharge. The
amount claimable depends on the treatment given
HoSPITAL
•Medifund
Total hospital bill
$41,868.20
Government subsidy
$35,081.31
Total bill after subsidy
$6,786.89
MediShield paid
$4,908.20
Medisave claimable for length of stay
$1,878.69
PATIENT PAID
For clarifications and further queries, please approach the
Hospital Staff or Business Office for direct assistance.
healthCare
$13.30
% of total bill paid by patient in cash
0.2%
Only applicable to Singapore Citizens in Class B2 or C ward. Not applicable for certain
procedures or specialties such as cosmetic surgery, etc. Patients are advised to check
with the hospitals directly.
5
All bill items assumed to be fully claimable from MediShield and Medisave.
6
FURTHER ENQUIRIES
Ministry of Health, Singapore
Email: [email protected]
Website: http://www.moh.gov.sg
a touche design production @ 6743 5450
Guide
This brochure answers the questions foremost in your
mind if you or family members need to stay in a public
hospital. It is a guide to
• Choose your ward class carefully to suit your needs
and budget
• Know which documents to bring before admission
so that you can save some time.
•�������������������������������������������������
Understand how the 3Ms (Medisave, MediShield and
Medifund) schemes can help you with hospital bills.
Class B2
6-bed room
• If you earn $3,200 or less a month, you will continue to enjoy
• Naturally ventilated room
• $39 - $60
Class C
≥ 6-bed room
•
• Naturally ventilated open ward
• $20 - $40
CHOICE OF WARD CLASS
•
• Bear in mind your finances and choose the right
ward class. This will help you manage your hospital
bill size
Class of Ward1
Class A
Single Room
Facilities2 and Range of Ward
Charges3 (Per Day)
• Air-conditioned room with
attached bathroom, television
set and telephone
• Choice of Chinese, Muslim,
Indian or Western cuisine
• Sleeper unit for accompanying
guest at additional charge
•
• All hospitals are required to provide financial counselling
to their patients. You will be informed in writing of
the estimated charges for hospital treatment and
professional consultation fees, if any.
• If you are admitted on an emergency basis, immediate
family members may choose the ward class on your behalf
• Air-conditioned room with
attached bathroom, television
set and telephone
• Choice of Chinese, Muslim,
Indian or Western cuisine
• $145 - $190
1
There may be other ward classes available in some public hospitals other than
the ones listed. Patients are advised to check with the hospitals directly.
2
This is only a general description of the various ward classes, i.e. there may be
variations across hospitals. Patients are advised to check with the hospitals directly.
3
Exclusive of GST. This is an indicative price range of ward charges for Singapore
Citizens only. Patients are advised to check with the hospitals directly.
•
ON THE DAY OF YOUR ADMISSION
• Documents needed
SUBSIDY RATE
• Inpatient Admission Authorisation Form
• You will be eligible for hospital subsidies if you are a
• NRIC/Passport/Birth Certificate (if <15 years old)
Singapore citizen or Permanent Resident (PR).
• Completed Medisave Authorisation Form
• Financial Counselling Form
PR subsidy level
• $200 - $323
Class B1
4-bed room
•
Citizen
subsidy level
From Jan
2008
From Jul 2008
Class A
Not
Subsidised
Not
Subsidised
Not
Subsidised
Class B1
20%
15%
10%
Class B2
65%
60%
55%
Class C
80%
75%
70%
Ward Class
the full subsidies of 65% for class B2 and 80% for class C
If you earn more than $3,200 a month,, you will receive
slightly less subsidies for class B2 and C, based on a
sliding scale. Your monthly income will be based on your
total salary received over the last-available 12-month
period. It will not be based on just the last month’s pay
Those who do not have a monthly income, such as
housewives, retirees and children, and live in HDB flats
or properties with annual values of $11,000 or less, will
also get full subsidies
Subsidy for PRs will be 10%-points less than citizens of
the same income level
If you are discharged from Class A/B1 ward, you will be
charged at private rates (i.e. no subsidy) for follow-ups
at Specialist Outpatient Clinics (SOC)
If you are discharged from Class B2/C ward, you will be
charged at subsidised rates4 for follow-ups at SOCs
• Medical Benefit Documents, if any (please see table below)
• In Jan 2009, means-testing will kick in. You can still
choose your ward class and be admitted to Class C or B2
ward. Depending on your income level, you will still be
heavily subsidised but at different rates
4
For
Documents To Bring
Civil Servants /
Pensioners and
dependants
Civil Service (CS) Card, Public
Service (PS) Card or Medical Benefit
Identification Memorandum (MBIM)
Employees of other
organisations and
dependants
Hospitalisation Identity Card (HIC)
or Letter of Guarantee (LOG) from
employer or insurance company
Foreigners working
in Singapore
CPF membership card / P, Q, S or R
pass / other valid work pass, with
employer’s letter
Applicable to Singapore Citizens and Permanent Residents only
DEPOSIT PRIOR TO ADMISSION
• Deposit (cash top-up)
Generally Class B2/C wards do not require a
deposit, unless your estimated hospital bill is
above the Medisave withdrawal limit or your
Medisave balances are insufficient
For those opting for Class A/B1 wards, a cash
deposit is required because Medisave cannot
cover the full bill
Patients seeking admission to Class A or B1 wards
and who are unable to pay the deposit should reconsider their choice of ward
Deposit amount may be decreased or exempted
if you produce a Letter of Guarantee from your
employer or insurance company in Singapore
Patients can be assured that no one would be
denied healthcare in an emergency
3Ms -MEDISAVE / MEDISHIELD / MEDIFUND
• Medisave
Medisave is a national medical savings scheme to
help individuals save part of their money for either
their personal medical expenses or their immediate
family members’ hospitalisation bills. Medisave
can be used to pay for hospitalisation, day surgery
and certain approved outpatient treatment,
including renal dialysis and chemotherapy
To use Medisave, you need to complete the
Medisave Authorisation Form and hand it to the
hospital for processing
Medisave covers:
Medical/ surgical inpatient cases
$450 per day for hospital and treatment charges,
including a maximum of $50 for doctor’s daily
attendance fees, and an additional fixed limit for
surgical procedures ranging from $150 to $5,000
Approved day surgeries
Up to $300 per day for the hospital and treatment
charges, including a maximum of $30 for the