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1 MediShield Life Review Committee s Recommendations At a Glance Better Protection MediShield Life will provide better protection against large hospital bills and expensive chronic treatments Remove lifetime claim limit and increase policy year claim limit Increase daily limits for hospital stays Increase surgical and outpatient cancer treatment limits Reduce co-insurance rates from the current 10 0% to 10% Start premium rebates earlier from age 66, instead of age 71 MediShield Payout (with Current Benefit Features) Portion of Bill Above Claim Limits MediShield Life Payout (with Proposed Benefit Features) Portion of Bill Above Claim Limits Co-insurance MediShield Payout Deductible Maximum Claim Limit Reduced Co-insurance INCREASED MediShield Life Payout Deductible Increased Maximum Claim Limit Payout represented by box in green will increase Note: Most bills will not exceed claim limits For All. For Life. All Singaporeans will benefit from MediShield Life protection regardless of health status, throughout our lives All Singapore Citizens and Permanent Residents will be covered by MediShield Life throughout our lives, regardless of financial situation All pre-existing conditions will be covered Everyone shares in the national risk pool and plays a part in supporting pooled healthcare costs Government to bear about 7% of the costs of bringing those with pre-existing conditions under MediShield Life, at an estimated cost of $80 million over the first five years Individuals with pre-existing conditions pay an additional 0% of the standard premiums for the first ten years All other Singaporeans to co-share a modest part of the costs

2 Affordable Premiums Premiums will go up because of better protection and coverage for all, but Government will provide support to keep premiums affordable Everyone pays a little more to ensure that those with pre-existing conditions are covered, but Government to bear the bulk of the costs Medisave Withdrawal Limits to continue to fully cover MediShield Life premiums Working age persons to pay higher premiums, so that premiums rise by less in old age Government commits to support Singaporeans in paying for their MediShield Life premiums: Substantial premium subsidies for lower- to middle-income. Up to two thirds of Singaporeans will be eligible Pioneer Generation subsidies for the elderly Transitional subsidies over four years for all Singapore Citizens to ease the shift to MediShield Life Additional premium support for Singapore Citizens who are unable to pay for premiums even after subsidies PER MONTH Age Next Birthday Current MediShield Premiums MediShield Life Premiums Before Subsidy Lower- Income MediShield Life Premiums 1 Shown on Per Month Basis Lower-Middle- Income Upper-Middle- Income High Income *Note: All premiums figures are shown on a per month basis, but are payable per year. Full table of premiums can be found in Annex. 019 premiums include premium subsidies but no transitional subsidies 1 Premium and subsidy details are provided by the Ministry of Health. Applicable for Singapore Citizens staying in residences with an Annual Value (AV) of $1,000 or less. For those with AV above $1,000, please refer to Annex. Permanent Residents receive half of the applicable premium subsidies for Singapore Citizens and no transitional subsidies Lower-income refers to individuals with monthly per capita household income of $1,100 or less Lower-middle-income refers to individuals with monthly per capita household income of $1,101 to $1,800 Upper-middle-income refers to individuals with monthly per capita household income of $1,801 to $,600 High income refers to individuals with monthly per capita household income above $,600 6 Net premiums shown are for Pioneer Generation Singaporeans Integrated Shield Plans Make Integrated Shield Plans work better Government to work with the insurance industry to develop key features for a Standard Integrated Shield Plan that will provide adequate coverage at the Class B1 level Allow Integrated Shield Plan insurers to manage those with pre-existing conditions differently from healthy policyholders, including allowing for risk-loading Improve existing regulatory and accountability framework for Integrated Shield Plans and approved insurers For more details, visit

3 Sekilas Pandang Saranan Jawatankuasa Semakan MediShield Sepanjang Hayat Perlindungan Yang Lebih Baik MediShield Sepanjang Hayat akan memberi perlindungan yang lebih baik daripada bil hospital yang tinggi dan rawatan kronik yang mahal Meniadakan had tuntutan seumur hidup dan meningkatkan had tuntutan tahunan Meningkatkan had seharian bagi penjagaan di hospital Meningkatkan had untuk pembedahan dan had bagi rawatan pesakit luar untuk barah Mengurangkan kadar bayaran insurans bersama dari 10 0% pada masa sekarang ke 10% Memulakan rebat premium lebih awal dari usia 66 tahun, dan tidak dari usia 71 tahun Bayaran daripada MediShield (dengan Ciri-ciri Faedah Pada Masa Sekarang) Bayaran daripada MediShield Hayat (dengan Ciri-ciri Faedah yang Disarankan) Bayaran insurans bersama Bahagian Bil yang Melebihi Had Tuntutan MediShield Bayaran daripada MediShield Bayaran Pendahuluan Had Tuntutan Maksimum Bahagian Bil yang Melebihi Had Tuntutan MediShield Bayaran insurans bersama yang dikurangkan Bayaran daripada MediShield Sepanjang Hayat YANG DITINGKATKAN Bayaran Pendahuluan Had Tuntutan Maksimum Yang Ditingkatkan Bayaran yang digambarkan oleh kotak hijau akan meningkat Nota: Kebanyakan bil tidak akan melebihi had tuntutan Untuk Semua. Seumur Hidup. Semua rakyat Singapura akan mendapat faedah daripada perlindungan MediShield Sepanjang Hayat, tanpa mengira status kesihatan, seumur hidup kita Semua Warga Singapura dan Penduduk Tetap akan dilindungi oleh MediShield Sepanjang Hayat seumur hidup kita, tanpa syarat mengenai keadaan kewangan Semua penyakit sedia ada akan dilindungi oleh MediShield Sepanjang Hayat Setiap orang berkongsi dalam penghimpunan risiko nasional dan memainkan peranan untuk menyokong kos penjagaan kesihatan yang dikumpulkan Pemerintah menanggung 7% daripada kos untuk menyertakan mereka yang mempunyai penyakit sedia ada ke dalam MediShield Sepanjang Hayat, pada anggaran kos $80 juta dalam tempoh lima tahun pertama Individu yang mempunyai penyakit sedia ada akan membayar premium tambahan 0% daripada premium standard untuk tempoh 10 tahun pertama Semua warga Singapura lain membayar bersama sebahagian kecil daripada kos

4 Premium Yang Mampu Dibayar Premium akan naik kerana perlindungan yang lebih baik dan perlindungan bagi semua orang, tetapi Pemerintah akan menyediakan sokongan untuk memastikan premium kekal pada kadar yang mampu dibayar Setiap orang bayar lebih sedikit untuk memastikan bahawa mereka yang mempunyai penyakit sedia ada dilindungi oleh MediShield Sepanjang Hayat, tetapi Pemerintah menanggung sebahagian besar daripada kos Had Pengeluaran Medisave terus menampung sepenuhnya premium MediShield Sepanjang Hayat Mereka yang umurnya masih boleh bekerja hendaklah membayar premium yang lebih tinggi, agar premium naik pada kadar yang lebih rendah apabila mereka lanjut usia Pemerintah berjanji untuk menyokong rakyat Singapura dalam pembayaran premium MediShield Sepanjang Hayat mereka: Subsidi premium yang besar bagi mereka yang berpendapatan rendah ke berpendapatan pertengahan. Sehingga dua pertiga rakyat Singapura akan layak Subsidi Generasi Perintis bagi mereka yang lanjut usia Subsidi peralihan dalam tempoh empat tahun bagi semua Warga Singapura untuk melancarkan peralihan kepada MediShield Sepanjang Hayat Sokongan tambahan untuk Warga Singapura yang masih tidak mampu membayar premium walaupun setelah menerima subsidi SETIAP BULAN Umur Pada Hari Lahir Berikut Premium MediShield Pada Masa Sekarang 7 Premium MediShield Sepanjang Hayat Sebelum Subsidi Premium MediShield Sepanjang Hayat 1 Ditunjukkan Secara Bulanan Pendapatan Rendah Pendapatan Pertengahan Rendah Pendapatan Pertengahan Atas Pendapatan Tinggi *Nota: Semua jumlah premium adalah pada kadar bulanan, tetapi dibayar setiap tahun. Senarai penuh premium boleh didapati di Lampiran. Premium untuk tahun 019 merangkumi subsidi premium, tetapi tidak subsidi peralihan 1 Butir-butir premium dan subsidi disediakan oleh Kementerian Kesihatan. Dikenakan bagi Warga Singapura yang tinggal di rumah yang mempunyai Nilai Tahunan sebanyak $1,000 atau kurang daripadanya. Bagi mereka dengan Nilai Tahunan lebih daripada $1,000, harap rujuk Lampiran. Penduduk Tetap terima separuh daripada subsidi premium yang diberikan kepada Warga Singapura dan tidak menerima subsidi peralihan. Pendapatan rendah dimaksudkan pada orang-orang berpendapatan keluarga per kapita bulanan sebanyak $1,100 atau kurang daripadanya Pendapatan pertengahan rendah dimaksudkan pada orang-orang berpendapatan keluarga per kapita bulanan sebanyak $1,101 hingga $1,800 Pendapatan pertengahan atas dimaksudkan pada orang-orang berpendapatan keluarga per kapita bulanan sebanyak $1,801 hingga $,600 Pendapatan tinggi dimaksudkan pada orang-orang berpendapatan keluarga per kapita bulanan lebih daripada $,600 6 Premium bersih yang ditunjukkan adalah bagi kalangan Generasi Perintis Warga Singapura Pelan Perlindungan Bersepadu Melaksanakan Pelan Perlindungan Bersepadu dengan lebih baik Pemerintah akan berunding dengan industri insurans untuk menghasilkan ciri-ciri utama sebuah Pelan Perlindungan Bersepadu Standard yang akan memberi perlindungan yang mencukupi pada tahap Kelas B1 Membenarkan syarikat-syarikat insurans Pelan Perlindungan Bersepadu untuk mengurus mereka yang mempunyai penyakit sedia ada secara berlainan daripada pemegang polisi yang sihat Memperbaiki rangka kawal peraturan dan kebertanggungjawapan yang sedia ada bagi Pelan Perlindungan Bersepadu dan syarikat-syarikat insurans yang diluluskan Untuk butir-butir lanjut, lungsuri

5 终身健保独立检讨委员会 所提出的建议 更好的保障终身健保将为您提供更好的医药保障, 帮助您应付大笔住院费以及昂贵的慢性疾病疗程费用 终身索赔顶限被取消 每日住院索赔顶限上调 用于指定手术和疗程的索赔顶限上调 需支付的共同承担保险部分减少, 从目前的 10% 到 0%, 减少至 % 到 10% 可获保费回扣的年龄从目前的 77 岁推前至 66 岁 健保双全赔偿 ( 目前保险保障的要点 ) 医药账单中超出索赔顶限的部分 终身健保赔偿 ( 包括提议保障的要点 ) 医药账单中超出索赔顶限的部分 共同承担保险 健保双全赔偿额 索赔顶限 所需支付的共同承担保险减少了 终身健保赔偿额增加了 索赔顶限调高了 自付额 自付额 代表赔偿额的绿色格子已增大 注 : 大多数人的医药账单一般都不会超出索赔顶限 人人受保 终身受保 无论是否有任何健康问题, 所有新加坡人都能终身受保于终身健保 无论是否有经济问题, 所有新加坡公民以及永久居民都能终身受保于终身健保 所有先前患有疾病者都将纳入受保范围 所有人都共同承担全民受保的风险, 一起分担风险汇聚所带来的额外医药成本 政府将负责承担把先前患有疾病国人纳入终身健保所需的约 7% 费用, 首五年费用估计是 8 亿 000 万元 先前患有疾病的受保人首十年所需支付的保费将比一般受保人高出 0% 所有其他新加坡人需分担一小部分成本

6 人人都负担得起的保费为了给所有人提供更好的医药保障以及更广的受保范围, 政府将提供资助以确保国人负担得起保费 虽然每个人将需支付稍微较高的保费, 以便把先前患有疾病者也纳入受保范围, 不过大部分的费用将由政府承担 保健储蓄户头的提款顶限将依旧足够用来支付终身健保的保费 处于工作年龄层者将支付较高保费, 以便无需在步入晚年时承担大幅保费增幅 政府将以下述方式协助新加坡人应付终身健保保费 : 为低收入以及中等收入国人提供显著的保费津贴 估计三分之二的新加坡公民有资格 获得这笔津贴 为年长者提供建国一代配套 在终身健保计划启动的首四年, 政府将为所有新加坡公民提供过渡性保费津贴, 以帮助国人转入终身健保计划 那些领取政府津贴后仍没有能力支付保费的新加坡公民, 将可获得额外援助以支付保费 每月保费 私人综合健保双全计划让私人综合健保双全计划发挥更大效益 下一个生日的年龄 目前投保健保双全所需支付的保费 投保终生健保所需支付的保费 ( 补贴前 ) 投保终身健保平均每月需支付的保费 1 低收入者 中低收入者 中高收入者 高收入者 注 : 图表内列出的数据是受保人平均每个月需支付的保费, 不过其实保费是一年缴付一次 附录中列出完整保费数据 019 年的保费数据已把保费津贴考虑在内, 但是不包括过渡性保费津贴 1 有关保费和津贴额的数据由卫生部提供 上述资料适用于那些住屋年值相等或低于 1 万 000 元的国人 住屋年值超过 1 万 000 元的国人, 请查阅附录的保费数据表 永久居民可获得的保费津贴是新加坡公民所能获取的一半 永久居民将不会获得过渡性保费津贴 低收入者指的是每月家庭人均收入相等或低于 1100 元的个人 中低收入指的是每月家庭人均收入介于 1101 元至 1800 元的个人 中高收入指的是每月家庭人均收入介于 1801 元至 600 元的个人 高收入者指的是每月家庭人均收入超过 600 元的个人 6 图表内列出的是建国一代国人所需支付的净保费 政府将与私人保险业者合作推出一套标准综合保险计划, 为那些入住 B1 级病房的国人提供足够的保险覆盖允许提供私人综合健保双全计划的保险业者, 为那些先前患有疾病受保人以及健康受保人设下不同的受保条件, 包括允许业者向前者征收风险附加费政府将改善现有的监管和问责框架, 以更好地监管私人综合健保双全计划以及获准提供这些保险的保险业者 欲知更多相关详情, 请上网 查阅终身健保网站

7 மட ஷ ல ட லஃப ஆய வ க க ழ வ ன பrந த ரகள ன கண ண ட டம மம பட ட ப த க ப ப மட ஷ ல ட லஃப மர த த வக க ப ப ற த த த ட டம பர ந த க மர த த வம ன கட டணங கள க க ம ந ட பட ட ந ய கள க க ன வ லய ன ச க ச சகள க க ம மம பட ட ப த க ப பள க க ம வ ழ ந ள ம ழ வத ம க ரக க ட ய த கக க ன வரம ப அகற ற க. ஆண ட த ற ம க ரக க ட ய த கக க ன வரம ப க ள உயர த த க அன ற டம மர த த வம னய ல தங க வதற க க க ரக க ட ய த கக க ன வரம ப க ள உயர த த க அற வ ச க ச சக க ம ப ற ற ந ய ச க ச சகள க க ம க ரக க ட ய த கக க ன வரம ப க ள உயர த த க இ ணக க ப ப ற த வ க தத தத தற ப தய 10 0 வ ழ க க ட ட ல ர ந த 10 வ ழ க க ட கக க றத த ட க சந த கழ வ க ள 71 வயத க க ப பத ல க, ம ன க ட ட ய 66 வயத ல த டங க க மட ஷ ல ட வழங க ட (நடப ப அன க ல அம சங கள டன ) மட ஷ ல ட வழங க ட (உத தச அன க ல அம சங கள டன ) இ ணக க ப ப ற த க ரக க ட ய த கக க ன வரம ப க க மற பட ட கட டணப பக த மட ஷ ல ட வழங க ட கழ ப ப த த க க ரக க ட ய அத கபட சத த கக க ன வரம ப க றக கப பட ட இ ணக க ப ப ற த க ரக க ட ய த கக க ன வரம ப க க மற பட ட கட டணப பக த உயர த தப பட ட மட ஷ ல ட லஃப வழங க ட கழ ப ப த த க க ரக க ட ய அத கபட சத த கக க ன உயர த தப பட ட வரம ப பச ச ந றப பட ட ப ரத ந த க க ம வழங க ட உயர ம க ற ப ப : பர ம ப ல ன மர த த வ கட டணங கள க ரக க ட ய த கக க ன வரம ப கள க க மல இர க க த அ னவர க க ம. வ ழ ந ள ம ழ வத ம. ச ங கப ப ரர கள அ னவர ம, அவர களத உடல ந ல எப பட இர ந த ல ம, தங களத வ ழ ந ள ம ழ வத ம மட ஷ ல ட லஃப வழங க ம ப த க ப ப டன பயன டவ ர கள அ னத த ச ங கப ப ர க ட மக கள ம ந ரந தரவ ச கள ம, அவர களத ந த ந ல எத வ க இர ந த ல ம, தங களத வ ழ ந ள ம ழ வத ம மட ஷ ல ட லஃப த ட டத த ன ப த க ப பப பற வ ர கள ஏற கன வ இர க க ம உடல நலப ப ரச ச னகள அ னத த ம த ட டத த ன ப த க ப பப பற ம தச ய இடர த ரட ட அ னவர ம பக ர ந த க ண ட, ஒன ற த ரட டப பட ம ச க த ரப பர மrப ப ச சலவ கள க க ஆதரவள ப பத ல பங க ற ற வ ர கள ஏற கன வ உடல நலப ப ரச ச னகள உள ளவர க ள மட ஷ ல ட லஃப த ட டத த ன க ழ சர த த க க ள வதற க க ம சலவ ல ச ம ர 7 வ ழ க க ட ட அரச ங கம ஏற க ம. இதற க க, ம தல ஐந த ஆண ட கள ல அரச ங கம உத தசம க $80 ம ல ல யன சலவ ட ம ஏற கன வ உடல நலப ப ரச ச னகள இர ப பவர கள ம தல 10 ஆண ட கள க க வழக கம ன சந த வ டன 0 வ ழ க க ட க ட தல சந த சல த த வ ர கள மற ற ச ங கப ப ரர கள அ னவர ம சலவ கள ல அடக கம ன ஒர பக த யப பக ர ந த க ள வ ர கள

8 கட ட ப பட ய க ம சந த கட டணங கள அ னவர க க ம மம பட ட ப த க ப ப அள க கப பட வத ல, சந த கட டணங கள உயர ம. ஆன ல, சந த கட டணங க ளக கட ட ப பட ய க ம அளவ ல வத த ர ப பதற க அரச ங கம ஆதரவள க க ம ஏற கன வ உடல நலப ப ரச ச னகள உள ளவர கள க க ம ப த க ப ப க டப ப த உற த சய த ட அ னவர ம சற ற க ட தல ன சந த சல த த வ ர கள. ஆன ல, சலவ ல பர ம பக த ய அரச ங கம ஏற க ம மட சவ ம ட ப த த க வரம ப கள மட ஷ ல ட லஃப சந த கட டணங க ள ம ழ மய கச சல த த வதற க த த டர ந த ப த ம னத க இர க க ம ம த மக க லத த ல சந த த க பர மளவ அத கrப ப தக க றத த ட, வ ல சய ய ம வயத னர க ட தல சந த கட ட வண ட ம மட ஷ ல ட லஃப சந த சல த த வதற க ச ச ங கப ப ரர கள க க ஆதரவள க க அரச ங கம கடப ப ட க ண ட ள ளத : க றந த வர ம னம ம தல நட த தர வர ம னம வ ர ஈட ட வ ர க க க க ற ப ப டத தக க சந த கட டணச சல ககள வழங கப பட ம. ச ங கப ப ரர கள ல ம வrல இர வர வ ர இதற க த தக த பற வ ர கள ம த ய ர க க, ம த த த லம றய னர க க ன கட டணச சல ககள வழங கப பட ம மட ஷ ல ட லஃப த ட டத த ற க ம ற வ த எள த க க ட, ச ங கப ப ர க ட மக கள அ னவர க க ம ந ன க ண ட க லத த ற க இ டக க லக கட டணச சல ககள வழங கப பட ம கட டணச சல ககள க க ப றக ம சந த கட ட இயல த ச ங கப ப ரர கள க க க ட தல சந த ஆதரவ ம தத த ற க அட த த ப றந தந ள ல வயத நடப ப ல ள ள மட ஷ ல ட சந த கட டணங கள 7 கட டணச சல கக க ம ன மட ஷ ல ட லஃப சந த கட டணங கள மட ஷ ல ட லஃப சந த கட டணங கள 1 ம த அட ப ப டய ல க றந த வர ம னத த னர உயர வ ர ம னத த னர க ற ப ப : அ னத த சந த கட டணங கள ம ம த அட ப ப டய ல க ண ப க கப பட ம. ஆன ல கட டணம, வர ட அட ப ப டய ல இர க க ம. சந த வ ன ம ழ அட டவ ணக க ப ன ன ணப ப க ணல ம. 019 சந த க கள சந த கட டணச சல கக ள உள ளடக க ம. ஆன ல, இ டக க லக கட டணச சல ககள இல ல. 1 சந த மற ற ம கட டணச சல க வ வரங கள ச க த ர அ மச ச ல வழங கப பட ட வ. ஆண ட மத ப ப $1,000 அல லத அ தவ டக க றவ க இர க க ம க ட ய ர ப ப கள ல தங க ம ச ங கப ப ர க ட மக கள க க இத ப ர ந த ம. ஆண ட மத ப ப $1,000க க மல ள ள க ட ய ர ப ப கள ல தங க வ ர, தயவ சய த ப ன ன ணப ப ப ர க கவ ம. ச ங கப ப ர க ட மக கள க க ன சந த கட டணச சல ககள ல ப த ய ந ரந தரவ ச கள பற வ ர கள. இ டக க லக கட டணச சல ககள ந ரந தரவ ச கள க க க க டய த க றந த வர ம னத த னர என பத க ட ம பத த ன ம த ந தர தன நபர சர சr வர ம னம $1,100 அல லத அ தவ டக க றவ க இர ப பவர க ளக க ற க க றத க றந த-நட த தர வர ம னத த னர என பத க ட ம பத த ன ம த ந தர தன நபர சர சr வர ம னம $1,101 ம தல $1,800 வ ர இர ப பவர க ளக க ற க க றத மல மட ட-நட த தர வர ம னத த னர என பத க ட ம பத த ன ம த ந தர தன நபர சர சr வர ம னம $1,801 ம தல $,600 வ ர இர ப பவர க ளக க ற க க றத உயர வர ம னத த னர என பத க ட ம பத த ன ம த ந தர தன நபர சர சr வர ம னம $,600க க மல இர ப பவர க ளக க ற க க றத 6 க ட டப பட ட ள ள ந கர சந த கட டணங கள ம ன ன ட த த லம ற ச ங கப ப ரர கள க க rய வ க றந த நட த தர வர ம னத த னர மல மட ட நட த தர ஒர ங க ணந த க ப ப த த ட டங கள ஒர ங க ணந த க ப ப த த ட டங கள மம பட ட பயனள க கச சய த ட க வக ப ப B1 பட க கப ப rவ க க ப ப த ம ன க ப பள க க ம த ட டத த ற க ன ம க க ய அம சங க ள உர வ க க, க ப ப ற த ந ற வனங கள டன அரச ங கம சர ந த சயல பட வண ட ம ஏற கன வ உடல நலப ப ரச ச னகள உள ளவர க ளய ம ஆ ர க க யம ன ப ல ச த ரர க ளய ம வவ வற வ தம கக கய ள வதற க ஒர ங க ணந த க ப ப த த ட ட ந ற வனங க ள அன மத க க வண ட ம. இடர ஏற ப க கட டணத த அன மத ப பத ம இத ல உள ளடங க ம ஒர ங க ணந த க ப ப த த ட டங கள, அங க கrக கப பட ட க ப ப ற த ந ற வனங கள ஆக யவற ற க க ன தற ப தய சட டவ த க ளய ம ப ற ப பற ப த த ட டத தய ம மம பட த த வண ட ம மல வ வரங கள க க, ப ர க கவ ம

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