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1. How effective do you think the government's Medisave, Medifund and Medishield plans would turn out?

2. Do you think that the 3M plan would enhance the lives of the elder ones in Singapore?

3.What are some of the impacts do you think the current healthcare policies in Singapore have affected the elderly?

4. An advantage and a disadvantage of having these policies around you?

5. Do you agree that these policies would definitely benefit you in the future as an elderly?

6. How is the government able improve on the current healthcare policies in Singapore to help and fulfill the needs of an elderly?

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A severe disability insurance scheme
-Provide basic financial protection to S'poreans who need long-term care especially the elderly
Effectiveness
-Help supplement S'porean's savings in the event of severe disability

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-the pioneer generation will enjoy special subsidies

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-This shows examples of subsidies a person will get from the CHAS scheme

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-Introduced in 2012
-Provides accessible, affordable care at participating private GP and dental clinics
-Covers acute, chronic and dental conditions
-Enhanced in 2014 to provide subsidies to lower to middle income families
-1.3 million eligible Singaporeans as of 30 June 2015

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-This shows that Medifund can lessen the load of medical bills
- Medifund can help contribute to the bills.

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-this article shows that Medishield can help people pay for their hospital bills

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One year after Singapore introduced the MediShield Life universal insurance scheme, more people are getting help with their medical bills - with payouts on the rise.

Nearly 400,000 claims were made between last November and September this year, and more than $600 million was paid out.

Of this, $102.5 million went to people who were previously uninsured, a Ministry of Health spokesman told The Straits Times. Over the same period in the previous year, $370.5 million was disbursed for 291,500 claims under the old MediShield.

MediShield Life was launched on Nov 1. It covers every Singaporean and permanent resident for subsidised care for life.

Previously, those too old or sick were not covered. It is not known how big this group was.

Within it, 25,000 people deemed to have a serious pre-existing disease have to pay 30 per cent more in premiums for the first 10 years.

Now, the previously uninsured are covered - and getting more in payouts. They made 65,000 claims and received slightly more per claim - $1,577, compared with other policyholders who got an average of $1,539. Both are higher than the average claim of $1,271 under the old MediShield, before the better coverage by MediShield Life kicked in.

One such patient was Madam Yuen Soh Ying, 92, who fractured her hip in April. She needed surgery followed by rehabilitation at a community hospital.

Her subsidised hospital bill still topped $10,000. Before Nov 1 last year, Madam Yuen would have had to pay all of it with Medisave or cash. But with MediShield Life, $6,600 of her bill was picked up by the scheme. Medisave took care of most of the rest, leaving only $100 to be paid in cash.

MP Joan Pereira, a member of the Government Parliamentary Committee for Health, said: "The impact and support afforded by MediShield Life's enhanced benefits would be more pronounced as the population ages."

There is a trade-off. Premiums rose, mounting to $1.75 billion in the 11 months from its launch, compared with $685.7 million in the same period the previous year. The premium per person is between $130 and $1,530, depending on age.

Of the total, almost half was subsidised by the Government.

Premiums collected, minus payouts made, will be invested in Special Singapore Government Securities as these have long-term stability, said Ms Fang Ai Lian, who chairs the MediShield Life Council.

The council also decides on appeals, including requests from Singaporeans living abroad who do not plan to return here to live, to be excluded from the scheme.

It announced a month ago that they can be "suspended" from the scheme, but will have to pay the full unpaid premiums plus interest if they return permanently and require medical treatment.

About 200 people have applied for such exemption, Ms Fang said.

As for appeals, such as for more subsidy, she said that not only did the council have to consider the "unique circumstances" of each case, but the solution also has to be consistent and fair to all.
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Correction note: A previous version of the story stated that premiums collected, minus subsidies given, will be invested in Special Singapore Government Securities. This is incorrect. Instead, the premiums collected, minus payouts made, will be invested.

A previous version of this story also said that $307.5 million was disbursed for MediShield claims between November 2014 and September 2015 instead of $370.5 million. It has been corrected.

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More get help with medical bills under MediShield Life

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One year after Singapore introduced the MediShield Life universal insurance scheme, more people are getting help with their medical bills - with payouts on the rise. Nearly 400,000 claims were made between last November and September this year, and more than $600 million was paid out.

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An endowment fund
Effectiveness
-Acts as safety net for needy S'poreans who cannot afford to pay their medical bills even after Medishield Life & Medisave

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-This article shows that medisave can help the elderly get flu jabs

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Mr Andrew Seow Chwee Guan asked the Ministry of Health (MOH) to consider allowing adults, especially the elderly, to use their Medisave accounts for influenza and pneumococcal vaccinations (" Allow seniors to use Medisave for flu jabs"; Forum Online, May 16).

All elderly people aged 65 and above can use their Medisave for influenza and pneumococcal vaccinations. They can do so under the annual $400 limit for preventive and chronic outpatient care, or the annual $200 Flexi-Medisave limit for the elderly.

This policy on Medisave use is in line with the MOH-appointed Expert Committee on Immunisation recommendation that all persons with high risk be vaccinated against influenza and pneumococcal disease, as they are more susceptible to infections, hospitalisations and complications due to these infections.

Other than the elderly, other high-risk groups include children under five years of age and those with chronic medical conditions or weakened immune systems.
Lim Bee Khim (Ms)
Director

Corporate Communications

Ministry of Health

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The elderly can tap Medisave for flu jabs

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Mr Andrew Seow Chwee Guan asked the Ministry of Health (MOH) to consider allowing adults, especially the elderly, to use their Medisave accounts for influenza and pneumococcal vaccinations ("Allow seniors to use Medisave for flu jabs"; Forum Online, May 16).. Read more at straitstimes.com.

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A health insurance plan for all S'poreans
-Individual responsibility one's healthcare needs is kept by recuiring co-payment
Effectiveness
-Helps to pay for hospitalisation bills for life
-Applicable to help focus insurance coverage on large bills

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A compulsary individual medical savings account scheme.
-Working S'poreans & Employers contribute part of their monthly wages to save for future medical needs
Effectiveness
-Helps Singaporeans to pay for their share of medical treatments

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Healthcare Policies in Singapore for the elderly

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Healthcare Policies in Singapore for the elderly