# data[].attributes.body
Titus:

(CHAS) Community Health Assistance Scheme

- A scheme to help the elderly.

- The scheme enables Pioneers, to receive subsidies for medical and dental care at participating General Practitioner (GP) and dental clinics.

-All Pioneers receive special subsidies at CHAS clinics which include common illnesses, selected chronic conditions and selected dental services with their Pioneer Generation card.

Article:

https://leongszehian.com/?p=5825

summary:

-The CHAS and the policy created is not a widely known policy and it cause many people that were eligible for the policy to not sign up. This cause 700,000 people that were eligible only 300,000 to sign up.

-The application forms of the hard copy form are only available at polyclinics, public hospitals and community centres/Community Development Councils. The elderly people are generally not online savvy thus they do not know how to use the online application form

-There were also the lack of GP  doctors to sign up for the CHAS programme.

-The doctors are also forced to take five to 10 minutes to fill up an online form to obtain a claim from the Ministry of Health (MOH).

# data[].attributes.body
Zhan Yan:
Article: http://www.straitstimes.com/singapore/meeting-healthcare-needs-of-ageing-society

(found by zy)

Points for this

-medishield life

Ministry of Health work with insurers to come up with a standard B1 plan

Higher plans provide cover for A class and private hospital treatment.

-bed crunch (aka lack of beds

Opened two new community hospital providing more than 800 beds

Alexandra Hospital which was closed last june reopened 200 beds in August

Hospital scheduled to open in sengkang in 2018

opening of two new nursing homes, at Hougang and Pearl's Hill

-ageing

There will be several new eldercare centres in yishun and kaki bukit

Some of these centres will offer home care services to senior residents living nearby

-dengue (may be related)

http://www.straitstimes.com/singapore/health/elderly-health-costs-to-rise-tenfold-by-2030-report

(found by zy)

-elder healthcare cost are to rise up to $66 billion annually over the next 15 years

It includes public expenditure, private insurance and out-of-pocket spending.

# data[].attributes.body
https://www.moh.gov.sg/content/moh_web/home.html

(found by everyone)

HEALTHCARE FINANCING

| 2014 | 2015 | 2016
Medisave
► No. of Accounts (m) | 3.2 | 3.3 | 3.4
► Total Medisave Balance ($b) | 70.5 | 75.9 | 82.1
► Average Balance per Account ($) | 21,800 | 22,700 | 24,200
► Amount Withdrawn for Direct Medical Expenses ($m) | 852 | 905 | 971
MediShield Life & Integrated Shield Plans
► No. of MediShield Life Policyholders ('000) | 3,656 | All SC/PR | All SC/PR
► No. of Policyholders with  Private Integrated Shield plans ('000) | 2,485 | 2,548 | 2,619
ElderShield
► No. of ElderShield Policyholders ('000) | 1,167 | 1,220 | 1,279
► No. of ElderShield Policyholders with Supplements ('000) | 357 | 398 | 437

| FY14 | FY15 | FY16
Medifund
► No. of Applications Approved ('000) | 1,006 | 1,097 | na
► Grants Disbursed to Institutions ($m) | 157.5 | 162.6 | na

-As of 6 Jun 2017

-medisave

A national savings scheme which helps CPF (Central Provident Fund Board) members save for future medical expenses, especially after retirement.

-elder shield

An insurance scheme to help those with severe disabilities cope with financial demands of their daily care

-medifund

Medifund is a safety net for patients who face financial difficulties with their remaining bills after receiving Government subsidies

-medishield life

It is a basic health insurance plan which helps to pay for large hospital bills and selected costly outpatient treatments

(Contains most of the info we need)

# data[].attributes.body
Bryce:

Eldershield     Bibliography reference: (https://www.moh.gov.sg/content/moh_web/eldershield.html)

-An insurance scheme that provides basic protection against the costs of long-term care arising from severe disability in old age

-In the event of a severe disability, ElderShield policyholders will be eligible to receive a monthly cash payout for a period of time, depending on the plan.

-Most ElderShield policyholders today have at least one of two basic ElderShield plans:

Article:

https://www.theonlinecitizen.com/2017/02/18/gan-kim-yong-2-6-billion-collected-in-premiums-for-eldershield-insurance-and-around-100-million-paid-out-in-claims-since-2002/

Summary

Minister for Health Gan Kim Yong said that

- from 2002 to end-2015, about $2.6 billion have been collected in premiums for ElderShield insurance

-around $100 million have been paid out in claims

-adding that about $130 million in premium rebates have been given to policyholders so far the first tranche in 2007 and another in 2012.

Interview questions:

How does ElderShield work?

When an individual is unable to perform at least 3 out of 6 of the Activities of Daily Living listed below, even with the aid of special equipment, and always require the physical assistance of another person throughout the entire activity, he or she is considered to have severe disability. Under such circumstance, a claim for the monthly cash payout can be made under ElderShield.

Activities of Daily Living include:

Washing

The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.

Dressing

The ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances.

Feeding

The ability to feed oneself food after it has been prepared and made available.

Toileting

The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical applicances if appropriate.

Walking Or Moving Around

The ability to move indoors from room to room on leel surfaces.

Transferring

The ability to move from a bed to an upright chair or wheelchair, and vice versa.

# data[].attributes.body
Weng Kit:

-an endowment fund set up by the Government to help needy Singaporeans.

- a safety net for patients who face financial difficulties with their remaining bills after receiving Government subsidies and drawing on other means of payments including MediShield Life, private Integrated Shield Plans (IPs), Medisave and cash.

History

-Set up in April 1993 with an initial capital of $200 million

How it works

-the Government will inject capital sum into the fund from time to time

e.g. when budget surpluses are available. The interest income generated from the capital sum is used to provide financial assistance for healthcare bills.

The policy under the scope for the elderly:Medifund Silver

Medifund Silver, with a set up capital sum of $500 million, was launched in November 2007 in restructured hospitals and institutions.

In 2007, a total of $6.1m has been distributed to these institutions to help needy patients under Medifund Silver. In April 2008, Medifund Silver will also be rolled out to the rest of the Medifund-approved institutions in the Intermediate and Long-Term Care sector to benefit more elderly patients.

Why is it effective?:
It helps patients who require financial aid pay off their medical bills too expensive for them to foot through the interest income(The excess revenue that is generated from the interest earned on assets over the interest paid out on deposits ) generated from the capital sum (a lump sum of money payable to an insured person or paid as an initial fee or investment.) so the elderly who are facing financial problems can continue to go for treatment as research shows many elderly fear burdening their families or their pockets just because they are unwell and hence refuse stubbornly to seek treatment for their many illnesses. As such,due to old age and a weakened immune system would the elderly cause their untreated "minor'' illnesses like persistent low-grade fevers, either constant or intermittent, to snowball or be symptoms of a major illness like leukemia and lymphoma.Hence would the needy elderly be able to receive timely treatment with no worries.

Source:https://www.moh.gov.sg/content/moh_web/home/costs_and_financing/schemes_subsidies/Medifund.html
https://www.google.com.sg/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&ved=0ahUKEwj4iefQ0qvUAhWILI8KHULTCx4QjxwIAw&url=https%3A%2F%2Fwww.moh.gov.sg%2Fcontent%2Fmoh_web%2Fhome%2Fcosts_and_financing%2Fschemes_subsidies%2FMedifund.html&psig=AFQjCNGLwnJIS8FljsyQeZduX8h6Io8cYQ&ust=1496921862402178