MEDISHIELD LIFE

1. When implemented in end-2015, MediShield Life will:

a. Give all Singaporeans better coverage, for life. Including those who are very old or have pre-existing conditions.

b. Offer better protection against large hospital bills and expensive subsidised outpatient treatments such as dialysis and chemotherapy for cancer.

2. Premiums will be very affordable with Government support. The following illustrates the support one can expect to get automatically, without submitting any application forms:

a. All Singapore citizens who experience a net increase in premiums will receive Transitional Subsidies for the first four years.

i. First year: 90% subsidies on the net increase in premiums (up from 80% announced previously)

ii. Second year: 70% subsidies on the net increase in premiums (up from 60% announced previously)

iii. Third year: 40% subsidies on the net increase in premiums

iv. Fourth year: 20% subsidies on the net increase in premiums

b. Lower- to middle-income Singaporeans will receive Premium Subsidies, a permanent feature of MediShield Life.

c. Members of the Pioneer Generation will get special subsidies for life. They will also receive Medisave top-ups for life, depending on when they were born.

d. Working Singaporeans will receive an additional 1% employer Medisave contribution to help them save more for their healthcare needs.

e. Those aged 55-64 in 2014 (born between 1950 to 1959) to will receive Medisave top-ups for the next 5 years (from 2014).

f. Additional Premium Support will be available for those who cannot afford their premiums even after subsidies. No one will lose MediShield Life coverage because of financial difficulties.

3. The full premiums may be paid for using Medisave. For those who have insufficient Medisave balances (e.g. homemakers), their premiums can be paid for by family members who are working. Medisave accounts may also be topped up with cash to pay for the premiums.

4. The MediShield Life Scheme Bill has been passed in Parliament to provide for the implementation and administration of MediShield Life.

For more information, please refer to the attached materials: 1) Keeping premiums affordable for MediShield Life; and 2) Recap on the “8 things to know about MediShield Life”

For more information on MediShield Life, please visit : www.medishieldlife.sg.

For access to the MediShield Life Premiums Calculator which estimates the expected MediShield Life premiums payable, please visit : https://www.moh.gov.sg/content/moh_web/medishield-life/premium-calculator.html

YOUR QUERIES ANSWERED
The PGPU assists OLs on queries you may have with regards to certain government policies, by checking with relevant ministries/ agencies. We share some of the useful information here:

Query from Opinion Leader: The government recently announced that with effect from 1 Jan 15, lower to middle income Singaporeans will enjoy more subsidies on subsidised medication at polyclinics and subsidised Specialist Outpatient Clinics (SOCs). However this does not apply to ALL medications issued by doctors. Why is this so?

Reply from the Ministry of Health:
1. The Government subsidises drugs on the Standard Drug List (SDL) and the Medication Assistance Fund (MAF). The list of subsidised drugs can be found on the Ministry of Health (MOH)’s website at https://www.moh.gov.sg/content/moh_web/home/costs_and_financing/schemes_subsidies/drug_subsidies.html

2. The list of subsidised drugs is reviewed on an ongoing basis to take into account changes in clinical practice, advances in medical science and evolving needs of patients. The assessment is done by the Drug Advisory Committee (DAC) which comprises of senior clinicians, and chaired by the Director of Medical Services.

3. Three main factors are considered when determining whether a drug can be subsidised:

a. Whether the drug is essential for treatment of medical conditions

b. Whether the drug offers a major improvement in terms of efficacy and effectiveness

c. Whether there is sufficient evidence of long term safety and cost-benefits of the drug

4. About 90% of the drugs prescribed at public healthcare institutions are standard drugs.

5. Eligible patients who require non-standard drugs can apply for subsidies under the MAF.