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Comprehensive Overview of Singapore's Healthcare Services and Funding Schemes

Explore the well-established healthcare services in Singapore, emphasizing its preventative approach and government subsidies. This guide delves into the various facilities available, including public hospitals, specialty centers, and outpatient clinics. It discusses the MediSave and MediShield schemes, designed to support personal healthcare savings and insurance coverage. Various assistance programs like ElderShield and IDAPE are highlighted to ensure coverage for the elderly and low-income families. This overview serves as a resource for understanding Singapore's efficient healthcare system.

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Comprehensive Overview of Singapore's Healthcare Services and Funding Schemes

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  1. in Singapore Health Services Done by Chan Tuck Ging 3S105 Chew Hanson 3S109 Yan Tianqi 3S133

  2. Introduction • “Prevention is better than cure” • Ensures Singapore has a healthy population so that people generally see the doctors less

  3. Introduction • Health services are generally heavily subsidised by the government • Posters and the PE lessons encourage people to • Learn to keep fit • Have a healthy lifestyle

  4. Facilities • Singapore has all kinds of medical facilities • 7 public hospitals • 5 general hospitals • 1 women and children’s hospital • 1 psychiatry hospital • Others • 6 national specialty centres • 18 outpatient polyclinics • Over 2000 private clinics

  5. Singapore budget • In 2005, Singapore spent S$7.6 billion (3.8% of GDP) on healthcare • S$1.8 billion (0.9% of GDP) on health services • In 2009, Singapore spent S$3.7 billion on healthcare • Reduced amount spent means that less funds are needed for the healthcare sector

  6. MediSave • A saving scheme Introduced in 1984 • Save money from CPF to MediSave accounts • 6.5% - 9% • Used to pay • Hospital bills • Several other medical treatments • As age increases, money given increases

  7. MediSave • Medisave Contribution Ceiling (MCC) is currently $34,500 • For members aged 55 years and above, MediSave account overflows will be transferred to Retirement Account (RA)

  8. MediSave - Advantages • Promote individual healthcare • People save independently for their healthcare • Contribution based on age • Includes long term medical coverage • Cancer treatment

  9. MediSave - Disadvantages • Unable to ensure self-employed workers will top up their account • Unemployed unable to contribute • Low income people face trouble • Excludes expensive operations

  10. MediShield • Insurance scheme introduced in 1990 • Cover up expenses that MediSave cannot • Operates on • Co-insurance • Deductible systems • Covers up to 80% of large medical bills at Class B2/C level

  11. MediShield - Advantages • Supplements MediSave • Benefits the poor • Encourages self reliance

  12. MediShield - Disadvantages • Does not coverall bills • Dependent on MediSave

  13. MediFund • Safety net when Medisave and MediShield fail • Set up in April 1993 • Have an initial capital of S$200 million • Budget surpluses injected into it • Utilises the interest income from the capital sum, which stands at S$1.66

  14. MediFund - Advantages • Helps cover bills for the extremely poor • High rate of successful application • Around 97%

  15. MediFund - Disadvantage • Not covering A/B1 wards • Excludes many hospital treatments • Delivery

  16. ElderShield • Run by 3 private insurers • Aviva  • GreatEastern • NTUCIncome • Singaporeans and PRs with Medisave accounts are automatically covered under ElderShield at age of 40

  17. ElderShield • Premiums paid using Medisave or cash • Will not increase with age • 2 ElderShield schemes • ElderShield300 • ElderShield400 • Able to claim benefits at any age once the premiums are paid

  18. IDAPE • Interim Disability Assistance Programme for the Elderly • NTUC Income • Covers the ones that are not eligible for ElderShield • Offers $100 or $150 a month, for a maximum period of 72 months

  19. IDAPE Conditions • Unable to perform 3 of the 6 Activities of Daily Living • Washing • Dressing • Feeding • Toileting • Mobility • Transferring

  20. IDAPE Conditions • Aged 70 and above • Per capita monthly income < $1000 • Admitted to MOH-funded institutions / services • Singapore citizens or Permanent Residents

  21. Subsidies for the Elderly • Bills for Immediate and Long Term Care (ILTC) services • Will go directly to the service providers

  22. Marriage and Parenthood Schemes • Medisave Maternity Package enables one to use their Medisave for medical expenses for their first four children • Medical expenses of your fifth and subsequent child can be used if both both parent have a combined Medisave balance of at least $15,000 when giving birth

  23. Marriage and Parenthood Schemes • Assisted Conception Procedures (ACP) • May withdraw $6,000, $5,000 and $4,000 from Medisave for first, second and third treatment cycles respectively

  24. Marriage and Parenthood Schemes • Assisted Reproduction Technology (ART) treatments helps barren couples • ART treatments are clinical and laboratory techniques that involve the mixing of eggs and sperms outside the body to enhance fertility

  25. References • http://www.moh.gov.sg/ • http://healthcare2.wikispaces.com/

  26. Thank you!

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