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Benefits for Singapore Citizens _ Permanent Residents Education

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					                Benefits for Singapore Citizens & Permanent Residents Education Subsidies & Scheme


                     Subsidies & Schemes                                 Singapore Citizen                Singapore Permanent Resident

School Fees payable per year in S$

Government Schools

Primary Level                                                                    Free                                    S$42

Secondary Level                                                                  S$60                                    S$72

Pre-University Level (e.g. Junior Colleges, Centralised                          S$72                                    S$84
Institute)

Independent Schools

Secondary Level                                                          S$1,800 – S$3,060                       S$2,160 – S$3,672 1

Pre-University Level (only applicable for Junior                         S$2,700 – S$4,800                        S$3,240 – S$5,760
Colleges)

Others

ITE                                                                        S$164 – S$496                            S$180 – S$546

Polytechnics                                                                   S$2,100                                 S$2,310



1
    Excluding fees for the Singapore Sports School which charges Singapore Permanent Residents three times the fees of Singapore Citizens.


                                                      Information updated as at 1 May 2009                                                   1
                  Subsidies & Schemes                               Singapore Citizen              Singapore Permanent Resident

Universities (e.g. NUS, NTU, SMU)                                         S$6,110                                S$6,720

Edusave Scheme 2 Eligibility
Government Schools

Primary Level                                                             Eligible                             Not eligible

Secondary Level                                                           Eligible                             Not eligible

Pre-University Level (e.g. Junior Colleges, Centralised                   Eligible                             Not eligible
Institute)

Independent Schools

Secondary Level                                                           Eligible                             Not eligible

Pre-University Level (only applicable for Junior                          Eligible                             Not eligible
Colleges)

Others

ITE                                                                       Eligible                             Not eligible


For more information on education matters, please visit the Ministry of Education’s (MOE) website:
http://www.moe.gov.sg.


2
 Edusave Scheme helps to maximise opportunities for all Singaporean children. The Scheme rewards students who perform well or who make
good progress in their academic and non-academic work, and provides students and schools with funds to pay for enrichment programmes or to
purchase additional resources
                                                 Information updated as at 1 May 2009                                                   2
            Benefits for Singapore Citizens & Permanent Residents Healthcare Subsidies & Schemes

              Subsidies & Schemes                     Singapore Citizen           Singapore Permanent Resident

Subsidies for Public & Restructured Hospitals (% Subsidised )

Types of Ward Class

Class B1                                                     20%                              10%

Class B2                                                     65%                              55%

Class C                                                      80%                              70%

Types of Service

Day Surgery                                                  65%                              55%

Specialist Outpatient Clinic (SOC)                           50%                              40%

Subsidies for Polyclinics

Medical Consultation Charges (S$)

Adult                                                  S$8.80 – S$9.30                 S$13.50 – S$14.50




                                           Information updated as at 1 May 2009                                  1
               Subsidies & Schemes                               Singapore Citizen                     Singapore Permanent Resident

Child / Elderly 1                                                 S$4.60 – S$5.10                              S$13.50 – S$14.50

Healthcare Financing Schemes

Medisave 2 (under CPF) 3                                      6.5-9% of monthly wage                        6.5-9% of monthly wage

Medishield 4                                                           Eligible                                       Eligible

Medifund 5                                                             Eligible                                    Not eligible




1
 Child subsidies are applicable to Singapore Citizens below 18 as well as those holding secondary school student passes. Elderly subsidies are
applicable to Singapore Citizens age 65 and above.

2
  Medisave is a national medical savings scheme which helps individuals put aside part of their income into their Medisave Accounts under the
Central Provident Fund (CPF) to meet their future personal or immediate family's hospitalisation, day surgery and certain outpatient expenses.
Under the scheme, every employee contributes 6.5-9% (depending on age group) of his/her monthly salary to a personal Medisave account. The
savings can be withdrawn to pay the hospital bills of the account holder and his immediate family members
3
 The Central Provident Fund (CPF) is a social security savings plan for both Singapore Citizens and Permanent Residents in Singapore where
both employer and employee make monthly contributions to this fund. The coverage for this fund includes retirement, healthcare, home
ownership, family protection needs and asset enhancements.
4
   MediShield is a low cost catastrophic illness insurance scheme that aims to help members meet medical expenses from major or prolonged
illnesses, which could not be sufficiently covered by their Medisave balance.

5
  Medifund is an endowment fund set up by the Government to help needy Singaporeans who are unable to pay for their medical expenses. The
scheme acts as a safety net for those who cannot afford the subsidised bill charges, despite Medisave and MediShield coverage
                                                    Information updated as at 1 May 2009                                                         2
                Subsidies & Schemes                              Singapore Citizen                      Singapore Permanent Resident

Eldershield 6                                                           Eligible                                      Eligible

Interim Disability Assistance Programme for                             Eligible                                    Not eligible
the Elderly (IDAPE) 7

Primary Care Partnership Scheme 8                                       Eligible                                    Not eligible




    For more information              on   healthcare      issues,    please    visit   the    Ministry     of    Health     (MOH)       website:
    http://www.moh.gov.sg.


    For more information on Central Provident Fund (CPF) matters, please visit the CPF website: http://www.cpf.gov.sg.


6
  ElderShield is an affordable severe disability insurance scheme which provides basic financial protection to those who need long-term care,
especially during old age. It provides a monthly cash payout to help pay the out-of-pocket expenses for the care of a severely-disabled person. The
Central Provident Fund (CPF) members ie. Singapore Citizens and Permanent Residents with Medisave accounts are automatically covered under
ElderShield at the age of 40.
7
 Interim Disability Assistance Programme for the Elderly (IDAPE) is a government assistance scheme that provides financial help to needy and
disabled elderly Singaporean who are not eligible for the Eldershield coverage because of their age or pre-existing disabilities
8
  Primary Care Partnership Scheme refers to a scheme that provides affordable and convenient healthcare for needy elderly and disabled
Singaporeans. Needy patients can receive subsidised outpatient medical treatments and basic dental services in participating private General
Practitioners (GPs) and dental clinics near their homes. The scheme will cover treatments for 3 chronic diseases: Diabetes Mellitus, Hypertension
and Lipid Disorders (eg. high cholesterol).


                                                     Information updated as at 1 May 2009                                                        3
                      Benefits for Singapore Citizens & Permanent Residents’ Residential Arrangements

                          Types of Residence                                      Singapore Citizen                Singapore Permanent Resident

Private Residential Non-landed / Private Apartments (e.g. condominiums)

Purchase                                                                                 Eligible                                 Eligible

Rental                                                                                   Eligible                                 Eligible

Private Residential Landed Property (e.g. bungalows, semi-detached house & terrace house)

Purchase                                                                                 Eligible                                Eligible 1

Rental                                                                                   Eligible                                 Eligible

Public Housing (apartments developed by Housing & Development Board [HDB])

Purchase of subsidised new flats                                                        Eligible 2                             Not eligible
(2/3/4/5-rooms & Executive Flats)

Purchase of subsidised new flats                                                        Eligible 3                             Not eligible
(Executive Condominiums)


1
 Prior approval from the Minister for Law is required for a foreign person to acquire or purchase restricted residential property ie. private landed property.
The approval form can be downloaded from the Singapore Land Authority.
2
  The main applicant must be a Singapore Citizen and at least 21 years old at time of application. The family nucleus must comprise a Singapore Citizen or
a Singapore Permanent Resident (SPR).
3
 The main applicant must be a Singapore Citizen and at least 21 years old at time of application. The family nucleus must comprise a Singapore Citizen or a
Singapore Permanent Resident (SPR).
                                                        Information updated as at 1 May 2009                                                              1
                           Types of Residence                                   Singapore Citizen              Singapore Permanent Resident

Purchase of subsidised new flats                                                      Eligible 4                           Not eligible
(Studio Apartments)

Purchase of resale flats                                                              Eligible                                Eligible
                                                                                                                (Subject to HDB’s eligibility schemes)

Rental of subsidised flats from HDB                                                   Eligible 5                           Not eligible

Rental of a room / flat from Home Owners                                              Eligible                                Eligible

Eligibility for Central Provident Fund 6 (CPF) housing grant                          Eligible                             Not eligible

Main Upgrading Programme 7 (MUP)

Eligibility for main upgrading subsidy                                                Eligible 8                           Not eligible 9



4
  The main applicant must be Singapore Citizen and at least 55 years old at the time of application. If there are other applicants such as spouse, parents,
siblings or children, they must be Singapore Citizens or Singapore Permanent Residents and are of 21 years old at time of application.
5
  The applicant must be a Singapore Citizen. At least one of the proposed occupiers listed in the application must be either a Singapore Citizen or a
Singapore Permanent Resident.
6
 The CPF is a social security savings plan for both Singapore Citizens and Permanent Residents in Singapore where both employer and employee make
monthly contributions to this fund. The coverage for this fund includes retirement, healthcare, home ownership, family protection needs and asset
enhancements.
7
    The Main Upgrading Programme (MUP) includes improvements that are made to the precinct, and within the blocks and flats.
8
    The amount of subsidy depends on the flat type and whether the flat owner has previously enjoyed any upgrading subsidy under the MUP.

                                                          Information updated as at 1 May 2009                                                           2
                          Types of Residence                                       Singapore Citizen                Singapore Permanent Resident

Eligibility for HDB concessionary interest rate for payment for                          Eligible                              Not eligible 10
upgrading cost for MUP

Lift Upgrading Programme (LUP)

Eligibility for lift upgrading subsidy                                                   Eligible                              Not eligible 11

Eligibility for HDB’s concessionary interest rate for payment for                        Eligible                              Not eligible 12
upgrading cost by installment for LUP




9
  A Singapore Permanent Resident (SPR) owner who has been billed for the full upgrading cost after the completion of MUP works can claim
reimbursement of the upgrading subsidy provided the SPR owner obtains his or her Singapore Citizenship within one year from the date of billing of the
upgrading cost, and the claim is made within one year of obtaining the citizenship. In addition, he or she must still be the owner of the flat at the time of the
reimbursement.
10
   Singapore Permanent Resident (SPR) households who wish to convert their interest scheme from the HDB market interest rate to concessionary interest
rate if any of the SPR flat owner(s) obtains Singapore Citizenship (SC) must do so within one year from the date of billing of the upgrading cost. The
interest rate on the outstanding upgrading cost will be converted to the prevailing HDB concessionary interest rate from the first day of the month following
the date the SPR flat owner obtains SC.
11
   HDB will reimburse Singapore Permanent Resident (SPR) households with the upgrading subsidy if any of the SPR flat owners obtain Singapore
Citizenship within one year from the date of billing of the upgrading cost. The SPR flat owners must still be the owner of the flat at the time of the
reimbursement.
12
   Singapore Permanent Resident (SPR) households will be charged the HDB market interest rate. They can convert their interest scheme from the HDB
market interest rate to the concessionary interest rate if any of the SPR flat owner(s) obtains Singapore Citizenship (SC) within one year from the date of
billing of the upgrading cost. The interest rate on the outstanding upgrading cost will be converted from the HDB market interest rate to the prevailing HDB
concessionary interest rate from the first day of the month immediately following the date which the SPR flat owner obtains his or her SC.

                                                           Information updated as at 1 May 2009                                                                3
                           Types of Residence                                           Singapore Citizen                 Singapore Permanent Resident

Mortgage Loans

Eligibility for mortgage loans from HDB (at a concessionary                                   Eligible                                Not eligible 13
interest rate pegged at 0.1% above CPF Ordinary Account                            (Subject to eligibility conditions
                                                                                             set by HDB)
interest rate)

Eligibility for mortgage loans from financial institutions / banks                            Eligible                                    Eligible




For more information on private residential arrangements, visit the Singapore Land Authority website: http://www.sla.gov.sg.


For more information on Central Provident Fund (CPF), visit the CPF website: http://www.cpf.gov.sg.


For more information on public housing issues, visit the Housing Development Board website: http://www.hdb.gov.sg.




13
  SPR flat owners who have refinanced their HDB loan with the bank (as well as those SPR flat owners who had taken bank loans upfront for the purchase of their flat),
cannot refinance that bank loan with HDB after they have obtained Singapore Citizenship even if they are eligible for an HDB concessionary loan. Instead, they can enjoy
the HDB concessionary loan when they next purchase an HDB flat, subject to their loan eligibility at the point of application.
                                                              Information updated as at 1 May 2009                                                                         4
              Benefits for Singapore Citizens & Singapore Permanent Residents’ Childcare Subsidies & Scheme


                  Subsidies & Schemes                                        Singapore Citizen                Singapore Permanent Resident
                                                                                  Child                                   Child
Child(ren) Development Co-Savings (Baby Bonus) Scheme

Baby bonus                                                                         Eligible 1                             Not eligible

Centre-Based Child Care Subsidy for Children 2 for Working Mothers 3

Full day centre-based child care                                                     S$300                                     S$0

Half-day centre-based child care                                                     S$150                                     S$0

Flexible hours centre-based child care                               Pro-rated based on hours of care                          S$0

Centre-Based Child Care Subsidy for Children for Non-Working Mothers

Full day centre-based child care                                                     S$150                                     S$0



1
    Certain conditions apply. For more information on baby bonus, visit http://www.babybonus.gov.sg
2
 Singapore Citizen (SC) children are eligible for childcare subsidy if they are above 18 months to below 7 years old of age of any birth order. They must
be enrolled in childcare centre licensed with the Ministry of Community, Youth and Sports (MCYS).
3
    Working mothers must have worked for at least 56 hours per month.

                                                                                                                                                       1
                                                             Information updated as at 1 May 2009
               Subsidies & Schemes                                     Singapore Citizen                         Singapore Permanent Resident
                                                                            Child                                            Child
Half-day centre-based child care                                              S$150                                               S$0

Flexible hours centre-based child care                         Pro-rated based on hours of care                                   S$0

Centre-Based Infant Care Subsidy for Infants 4 for Working Mothers ^

Full day centre-based infant care                                             S$600                                               S$0

Half-day centre-based infant care                                             S$300                                               S$0

Flexible hours centre-based infant care                        Pro-rated based on hours of care                                   S$0

Centre-Based Infant Care Subsidy for Infants for Non-Working Mothers

Full day centre-based infant care                                             S$150                                               S$0

Half-day centre-based infant care                                             S$150                                               S$0

Flexible hours centre-based infant care                        Pro-rated based on hours of care                                   S$0




4
  Singapore Citizen (SC) infants are eligible for infant care subsidy if he or she is aged 2 to 18 months of any birth order. They must be enrolled in infant
care centres licensed with MCYS.

                                                                                                                                                           2
                                                        Information updated as at 1 May 2009
              Subsidies & Schemes                                   Singapore Citizen                        Singapore Permanent Resident
                                                                         Child                                           Child
Centre-Based Financial Assistance Scheme For Child Care (CFAC) 5

Subsidy                                                                   Eligible                                        Eligible

Student Care Fee Assistance (SCFA) 6

Subsidy                                                                   Eligible                                        Eligible




    For more information on infant care, childcare and student care matters, visit http://www.childcarelink.gov.sg or the
    Ministry of Community, Youth and Sports website: http://www.mcys.gov.sg.




5
  Certain conditions apply. Children who are permanent residents of Singapore (PR) can apply if at least one member of their immediate family is a
Singapore Citizen among other conditions. For more information on CFAC, visit http://www.childcarelink.gov.sg.

6
 Certain conditions apply. Children who are permanent residents of Singapore (PR) can apply if at least one member of their immediate family is a
Singapore Citizen. The child must be aged between 7 and 14 years of age and is attending a MOE-registered school among other conditions. For more
information on SCFA, visit http://www.childcarelink.gov.sg.
                                                                                                                                                    3
                                                     Information updated as at 1 May 2009
                  Rights, Privileges & Obligations of Singapore Citizens & Permanent Residents


                  Rights                            Singapore Citizen                   Singapore Permanent Resident

Elections

Right to vote in parliamentary elections                  Eligible                               Not eligible

Right to stand for election and become a                  Eligible                               Not eligible
Member of Parliament (MP)


        Privileges & Obligations                    Singapore Citizen                   Singapore Permanent Resident

Tax Matters

Tax incentives for parenthood specifically:               Eligible               Not eligible

   • Parenthood Tax Rebate                                                       For more information on tax matters, please
                                                                                 visit the Inland Revenue Authority of
   • Working Mother’s Child Relief                                               Singapore            (IRAS)        website:
                                                                                 http://www.iras.gov.sg.
   • Grandparent Caregiver Relief

   • Qualifying Child Relief

   • Handicapped Child Relief

   • Foreign Maid Levy Relief


                                                                                                                          1
                                              Information updated as at 1 May 2009
         Privileges & Obligations              Singapore Citizen                   Singapore Permanent Resident

Tax deferral for contributions      to               Eligible               Eligible
Supplementary Retirement Scheme
                                                                            For more information on tax matters, please
                                                                            visit the Inland Revenue Authority of
                                                                            Singapore            (IRAS)        website:
                                                                            http://www.iras.gov.sg.
Tax relief for Central Provident Fund                Eligible               Eligible
(CPF) contributions
                                                                            For more information on tax matters, please
                                                                            visit the Inland Revenue Authority of
                                                                            Singapore’s           (IRAS)       website:
                                                                            http://www.iras.gov.sg.

                                                                            For matters relating to the Central Provident
                                                                            Fund (CPF), please visit the CPF website:
                                                                            http://www.cpf.gov.sg.
All other personal reliefs                           Eligible               Eligible except:

                                                                                • Relief for Wife/Widow of National
                                                                                  Service men (Wife must be Singapore
                                                                                  Citizen)

                                                                                • Relief for parent of National Service
                                                                                  men (Parent must be Singapore Citizen)

                                                                            For more information on tax matters, please
                                                                            visit the Inland Revenue Authority of
                                                                            Singapore            (IRAS)        website:
                                                                            http://www.iras.gov.sg.


                                                                                                                       2
                                         Information updated as at 1 May 2009
         Privileges & Obligations                        Singapore Citizen                     Singapore Permanent Resident

Central Provident Fund (CPF) 1 Matters

Central     Provident        Fund       (CPF)                 Required                  Contribution to the Central Provident Fund
contributions                                                                           (CPF) is required once the foreign employee
                                                                                        obtains Permanent Resident status. Permanent
                                                                                        Residents will contribute a smaller rate to their
                                                                                        CPF accounts on a graduated rate for the first
                                                                                        two years, and the same rates as those for
                                                                                        Singapore Citizens from the third year
                                                                                        onwards.

                                                                                        For more information, please visit the Central
                                                                                        Provident      Fund      (CPF)        website:
                                                                                        http://www.cpf.gov.sg.


Special Transfers                                              Eligible                 Not eligible

    Central Provident Fund (CPF) top-up                                                 For more information on related matters,
    Medisave top-up                                                                     please visit the Central Provident Fund (CPF)
    New Singapore Shares (NSS)                                                          website: http://www.cpf.gov.sg.
    Economic Restructuring Shares (ERS)
    Progress Package



Medisave contributions                                        Required                  Required

1
 The CPF is a social security savings plan for both citizens and permanent residents in Singapore where both employer and employee make
monthly contributions to this fund. The coverage for this fund includes retirement, healthcare, home ownership and family protection needs.
                                                                                                                                         3
                                                  Information updated as at 1 May 2009
         Privileges & Obligations                         Singapore Citizen                      Singapore Permanent Resident


                                                                                         For more information, please visit the Central
                                                                                         Provident      Fund      (CPF)        website:
                                                                                         http://www.cpf.gov.sg.

Others

National Service (NS) 2                          Male Singapore Citizens must Second generation male Permanent Residents
                                                 serve National Service       must serve National Service whereas first
                                                                              generation male PRs are not required to serve
                                                                              National Service.

                                                                                         Second generation Permanent Residents
                                                                                         refer to those who become Singapore
                                                                                         Permanent Residents under the sponsorship of
                                                                                         another person, for example, their parents or
                                                                                         spouse.

                                                                                         First generation Permanent Residents refer
                                                                                         to those who can contribute effectively to
                                                                                         Singapore immediately upon the grant of
                                                                                         Permanent Resident status, for example, those
                                                                                         who became Permanent Residents under the
                                                                                         Professionals/Technical Personnel and Skilled

2
  All male Singapore Citizens and second generation male Permanent Residents must shoulder the responsibility of protecting and safeguarding
the nation. They would need to enlist for National Service (NS) upon reaching 16½ years of age. They will serve 2 years of full-time NS at 18
years of age. Thereafter, they serve intermittent duty as citizen-soldiers for a cycle of 10 years.



                                                                                                                                           4
                                                  Information updated as at 1 May 2009
         Privileges & Obligations                   Singapore Citizen                   Singapore Permanent Resident

                                                                                 Workers (PTS) Scheme.

                                                                                 For more information on National Service,
                                                                                 please visit the Ministry of Defence (MINDEF)
                                                                                 website: http://www.mindef.gov.sg.

Financial grants on infant care / childcare               Eligible               Not eligible

                                                                                 For more information on childcare and infant
                                                                                 care matters, please visit the Ministry of
                                                                                 Community Development, Youth and Sports
                                                                                 (MCYS) website: http://www.mcys.gov.sg.

Travelling on Singapore Passport                          Eligible               Not eligible




                                                                                                                            5
                                              Information updated as at 1 May 2009

				
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