To know more about subsidised healthcare system for Singaporeans, refer to Ministry of Health website. Medisave Bill Subsidy (source: Ministry of Health) Below is a breakdown of what he can expect to pay and what he can expect to be subsidised under two different scenarios: He is then hospitalised where he chooses to stay in a Class C ward. X who is a Singapore citizen earns S$4,167 a month. Part of the CPF contributions goes towards medical insurance schemes namely Medisave, Medishield Life, ElderShield and Medifund that collectively can handle major part of the co-pay amounts. Note that the CPF is not nationally redistributive and whatever amount you contribute will be for your own or dependents’ use only, it will not be used to subsidise the benefits for another employee who may have earned less than you. Depending on factors such as age and income, a percentage of the monthly salary of an employee is contributed to the CPF. Further help in co-paying the balance of the medical bill is enabled through a compulsory savings scheme called Central Providence Fund (CPF). Depending on various factors, the amount of subsidy can range from 50% to 80%.
Singapore citizens and permanent residents are entitled to subsidised healthcare services provided through government healthcare facilities. Healthcare Coverage Government health insurance A list of major private hospitals and clinics is available at the end of this article. Most of the private hospitals are JCI-accredited. Private healthcare facilities consist of numerous private clinics offering outpatient services as well as private hospitals. Since private healthcare facilities in general offer better service level and minimum waiting times, most of the expatriates living in Singapore (as well as medical tourists from abroad) prefer to visit a private healthcare facility. For non-Singaporeans, the difference in cost between government and private healthcare facilities is negligible as they directly compete with each other. Private healthcare facilities in Singapore are as good as any in the world with excellent level of medical care and service levels. Charges in public health services are subsidised by the government while in the private hospitals and outpatient clinics, patients pay the amount charged by the hospitals and doctors on a fee-for-service basis. Specifically, the government influence most long-term trends such as the supply of hospital beds, the introduction of high-tech/high-cost medicine, and the rate of cost increases in the public sector which sets the bench mark in terms of pricing for the private sector.
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Government health system also sets the benchmark for the private sector on professional medical standards and fees. A list of major public hospitals and centres is available at the end of this article. Government healthcare facilities not only provide very good healthcare services to masses but also handle the most complicated cases referred from other hospitals and neighboring countries. Although wholly owned by the government, the public sector hospitals are operated as private limited companies in order to compete with the private sector on service and quality. These facilities consist of a number of government hospitals for inpatient services and numerous polyclinics offering outpatient services. Government healthcare facilities are primarily designed to provide subsidised healthcare services to Singaporeans. Healthcare Facilities Government healthcare facilities As a general rule of thumb, the larger the company, the higher the probability that the company offers some type of health insurance benefits to its staff. It is not mandatory for employers in Singapore to provide health insurance benefits. Singapore citizens and permanent residents are entitled to subsidized government healthcare services through compulsory national savings scheme whereas foreigners holding various work passes get the health coverage either through their employer or purchase it privately on their own.
Health plans, insurance, and benefits vary largely and depend typically on your immigration status and the employer. Healthcare infrastruture in Singapore consists of both public and private healthcare facilities with both offering high quality of medical care but generally different level of service and comfort. In general, any type of medical treatment that you may require is available in Singapore at a reasonable cost and high quality of service.
Currently, Singapore has 22 hospitals and medical facilities that are accredited by the Joint Commission International (JCI). In its 2010 report, the World Health Organization ranked Singapore 6th out of the 100 best health systems in the world.