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          doctor’s daily attendance fees, and an additional       • medifund
          fixed limit for surgical procedures ranging from                   Medifund will assist needy Singapore Citizens5 who
          $150 to $5,000                                                     despite heavy government subsidies are still unable
        Psychiatric treatment                                                to pay for their medical expenses.
          Up to $150 per day for the hospital and treatment                  Please contact the hospital Business Office to apply
          charges including a maximum of $50 for the
          doctor’s daily attendance fees, subject to a
          maximum of $5,000 a year
                                                                  ExamplE of amount ClaimablE from
        Medisave cannot be claimed for                            mEdishiEld and mEdisavE
          Inpatient hospitalisation of less than eight hours
          Cosmetic Surgery and other non treatment-
          related services (e.g. Private Nursing, ambulance,          Medical condition: Cornary atherosclerosis
          medical reports, etc)                                       (blocked arteries)
                                                                      Total hospital bill: $41,868.206
• medishield                                                          Length of stay: 28 days (including 6 days in ICU)
                                                                      Ward class: C
      MediShield is a low-cost catastrophic illness
      insurance plan that helps patients cope with
      large bills and covers up to 60% for class B2 and               Total hospital bill                                                 $41,868.20
      C bills. If you are in the middle-income group who                                                                                                                    FURTHER ENQUIRIES
      prefers class A or B1 or private wards, you should
                                                                                                                                                               For clarifications and further queries, please approach the
      consider buying supplementary Medisave-approved                 Government subsidy                                                  $35,081.31               Hospital Staff or Business Office for direct assistance.
      insurance plans for additional benefits, in addition to
      basic MediShield
                                                                      total bill after subsidy                                              $6,786.89
      How much can you claim from MediShield?
      This depends on your plan and these 3 factors:

      Deductibles, Co-insurance and Claimable Limits                  medishield paid                                                       $4,908.20

      Deductible refers to the initial amount of the bill that
      you would have to pay before insurance kicks in.
                                                                      medisave claimable for length of stay                                 $1,878.69
      Co-insurance refers to the portion of the total claimable
      amount that you would have to pay in addition to the
      deductible. You can use Medisave to pay for both the            patiEnt paid                                                             $13.30
      deductible and co-insurance portion.
      Claimable Limits refers to the portion of the bill that
                                                                      % of total bill paid by patient in cash                                    0.2%
      you can claim, which is subject to the maximum limits
      per day for: hospitalization, surgical procedures,
      surgical implants, and approved specific treatments                                                                                                                    Ministry of Health, Singapore
                                                                                                                                                                             Email: moh_info@moh.gov.sg
      and outpatient treatments
                                                                  	 Only	applicable	to	Singapore	Citizens	in	Class	B2	or	C	ward.	Not	applicable	for	certain	
                                                                  5                                                                                                         Website: http://www.moh.gov.sg
      The hospital will submit the MediShield claim to              procedures	or	specialties	such	as	cosmetic	surgery,	etc.	Patients	are	advised	to	check	
      the CPF Board on your behalf upon discharge. The              with	the	hospitals	directly.
                                                                                                                                                                            a touche design production @ 6743 5450
      amount claimable depends on the treatment given             	 All	bill	items	assumed	to	be	fully	claimable	from	MediShield	and	Medisave.
This brochure answers the questions foremost in your
                                                                                                        Class B2            • Naturally ventilated room
                                                                                                                                                                        • If you earn $3,200 or less a month, you will continue to enjoy          dEposit prior to admission
mind if you or family members need to stay in a public                                                                                                                         the full subsidies of 65% for class B2 and 80% for class C
                                                                                                        6-bed room          • $39 - $60                                                                                                           • Deposit (cash top-up)
hospital. It is a guide to                                                                                                                                              •      If you earn more than $3,200 a month,, you will receive
                                                                                                                                                                                                                                                        Generally Class B2/C wards do not require a
 • Choose your ward class carefully to suit your needs                                                                                                                         slightly less subsidies for class B2 and C, based on a
                                                                                                                                                                                                                                                        deposit, unless your estimated hospital bill is
     and budget                                                                                                                                                                sliding scale. Your monthly income will be based on your
                                                                                                                                                                                                                                                        above the Medisave withdrawal limit or your
 • Know which documents to bring before admission                                                                                                                              total salary received over the last-available 12-month
                                                                                                                                                                                                                                                        Medisave balances are insufficient
     so that you can save some time.                                                                                                                                           period. It will not be based on just the last month’s pay
                                                                                                                                                                                                                                                        For those opting for Class A/B1 wards, a cash
 • Understand how the 3Ms (Medisave, MediShield and                                                     Class C             • Naturally ventilated open ward            •      Those who do not have a monthly income, such as
                                                                                                                                                                                                                                                        deposit is required because Medisave cannot
     Medifund) schemes can help you with hospital bills.                                                ≥ 6-bed room        • $20 - $40                                        housewives, retirees and children, and live in HDB flats
                                                                                                                                                                                                                                                        cover the full bill
                                                                                                                                                                               or properties with annual values of $11,000 or less, will
                                                                                                                                                                               also get full subsidies                                                  Patients seeking admission to Class A or B1 wards
ChoiCE of Ward Class                                                                                                                                                    •      Subsidy for PRs will be 10%-points less than citizens of
                                                                                                                                                                                                                                                        and who are unable to pay the deposit should re-
• Bear in mind your finances and choose the right                                                                                                                                                                                                       consider their choice of ward
                                                                                                                                                                               the same income level
       ward class. This will help you manage your hospital                                                                                                                                                                                              Deposit amount may be decreased or exempted
                                                                                                                                                                        •      If you are discharged from Class A/B1 ward, you will be
       bill size                                                                                                                                                                                                                                        if you produce a Letter of Guarantee from your
                                                                                                        • All hospitals are required to provide financial counselling          charged at private rates (i.e. no subsidy) for follow-ups
                                                                                                                                                                                                                                                        employer or insurance company in Singapore
                                                                                                          to their patients. You will be informed in writing of                at Specialist Outpatient Clinics (SOC)
                                     facilities2 and range of Ward                                        the estimated charges for hospital treatment and                                                                                              Patients can be assured that no one would be
                                                                                                                                                                        •      If you are discharged from Class B2/C ward, you will be
 Class of Ward1                      Charges3 (per day)                                                   professional consultation fees, if any.                                                                                                       denied healthcare in an emergency
                                                                                                                                                                               charged at subsidised rates4 for follow-ups at SOCs
 Class A                             • Air-conditioned room with                                        • If you are admitted on an emergency basis, immediate
 Single Room                           attached bathroom, television                                      family members may choose the ward class on your behalf
                                                                                                                                                                        on thE daY of Your admission                                              3ms -mEdisavE / mEdishiEld / mEdifund
                                       set and telephone                                                                                                                                                                                          • medisave
                                                                                                                                                                             • Documents needed
                                     • Choice of Chinese, Muslim,                                       subsidY ratE                                                         • Inpatient Admission Authorisation Form
                                                                                                                                                                                                                                                        Medisave is a national medical savings scheme to
                                       Indian or Western cuisine                                        • You will be eligible for hospital subsidies if you are a                                                                                      help individuals save part of their money for either
                                                                                                                                                                             • NRIC/Passport/Birth Certificate (if <15 years old)                       their personal medical expenses or their immediate
                                     • Sleeper unit for accompanying                                      Singapore citizen or Permanent Resident (PR).
                                       guest at additional charge                                                                                                            • Completed Medisave Authorisation Form                                    family members’ hospitalisation bills. Medisave
                                                                                                                                                                             • Financial Counselling Form                                               can be used to pay for hospitalisation, day surgery
                                     • $200 - $323                                                                                            PR subsidy level
                                                                                                                                                                                                                                                        and certain approved outpatient treatment,
                                                                                                                                                                             • Medical Benefit Documents, if any (please see table below)
                                                                                                                           Citizen        From Jan                                                                                                      including renal dialysis and chemotherapy
 Class B1                            • Air-conditioned room with                                        Ward Class      subsidy level       2008       From Jul 2008         for                           documents to bring                           To use Medisave, you need to complete the
 4-bed room                            attached bathroom, television                                                                                                                                                                                    Medisave Authorisation Form and hand it to the
                                       set and telephone                                                                    Not              Not           Not               Civil Servants /              Civil Service (CS) Card, Public
                                                                                                        Class A                                                                                                                                         hospital for processing
                                                                                                                         Subsidised       Subsidised    Subsidised           Pensioners and                Service (PS) Card or Medical Benefit
                                     • Choice of Chinese, Muslim,                                                                                                                                                                                       Medisave covers:
                                                                                                                                                                             dependants                    Identification Memorandum (MBIM)
                                       Indian or Western cuisine                                        Class B1            20%              15%           10%                                                                                             Medical/ surgical inpatient cases
                                     • $145 - $190                                                                                                                           Employees of other            Hospitalisation Identity Card (HIC)
                                                                                                        Class B2            65%              60%           55%                                                                                                $450 per day for hospital and treatment charges,
                                                                                                                                                                             organisations and             or Letter of Guarantee (LOG) from
                                                                                                                                                                                                                                                              including a maximum of $50 for doctor’s daily
                                                                                                        Class C             80%              75%           70%               dependants                    employer or insurance company
     There	may	be	other	ward	classes	available	in	some	public	hospitals	other	than	
                                                                                                                                                                                                                                                              attendance fees, and an additional fixed limit for
     the	ones	listed.	Patients	are	advised	to	check	with	the	hospitals	directly.                                                                                                                           CPF membership card / P, Q, S or R                 surgical procedures ranging from $150 to $5,000
                                                                                                        • In Jan 2009, means-testing will kick in. You can still             Foreigners working
     This	 is	 only	 a	 general	 description	 of	 the	 various	 ward	 classes,	 i.e.	 there	 may	 be	                                                                                                      pass / other valid work pass, with              Approved day surgeries
     variations	across	hospitals.	Patients	are	advised	to	check	with	the	hospitals	directly.              choose your ward class and be admitted to Class C or B2            in Singapore
                                                                                                                                                                                                           employer’s letter                                  Up to $300 per day for the hospital and treatment
     Exclusive	of	GST.	This	is	an	indicative	price	range	of	ward	charges	for	Singapore	                   ward. Depending on your income level, you will still be
     Citizens	only.	Patients	are	advised	to	check	with	the	hospitals	directly.                            heavily subsidised but at different rates                     4	
                                                                                                                                                                             Applicable	to	Singapore	Citizens	and	Permanent	Residents	only                    charges, including a maximum of $30 for the

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