# embeddings_queue

created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 5292cf10-a897-4c6e-918c-b57b1df20f00
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"5292cf10-a897-4c6e-918c-b57b1df20f00\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"2bf0c4b3-6408-4906-a8ea-3e2a109f09b7\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"676573d477acaa857046805ae8031a3d5a0c7c03790d0da6039f88216daa2869\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"d7ea3ca0-d12c-4112-944c-3f91708b858b\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"c93e636098226b40009b48f421eea5abcd0e7a17982250093c6bc58514d85af0\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 562586, \"end_char_idx\": 567129, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Other stem cell tra nsplants are excluded.  \n \n15 Multiple Sclerosis  \n \nThe definite diagnosis of Multiple Sclerosis, and must be supported by all of the \nfollowing:  \n \n\u2022 Investigations which unequivocally confirm the diagnosis to be Multiple \nSclerosis; and  \n\u2022 Multiple neurological de ficits which occurred over a continuous period of at least \n6 months. Other causes of neurological damage such as SLE and HIV are \nexcluded.  \n \n16 Muscular Dystrophy  \n \nThe unequivocal diagnosis of muscular dystrophy must be made by a consultant \nneurologist. The  condition must result in the inability of the Life Assured to perform \n(whether aided or unaided) at least 3 of the 6 \u201cActivities of Daily Living\u201d for a \ncontinuous period of at least 6 months.  \n  \nFor the purpose of this definition, \u201caided\u201d shall mean with t he aid of special \nequipment, device and/or  apparatus and not pertaining to human aid.  \n\nHealth Insurance   \n132 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] 17    Idiopathic Parkinson\u2019s Disease  \n \nThe unequivocal diagnosis of idiopathic Parkinson\u2019s Disease by a consultant \nneurologist. This diagnosis  must be supported by all of the following conditions:  \n \n\u2022      The disease cannot be controlled with medication; and  \n\u2022 Inability of the Life Assured to perform (whether aided or unaided) at least 3 of \nthe 6 \u201cActivities of Daily Living\u201d for a continuous peri od of at least 6 months.  \n \nFor the purpose of this definition, \u201caided\u201d shall mean with the aid of special \nequipment, device and/or  apparatus and not pertaining to human aid.  \n \n18 Open Chest Surgery to Aorta  \n \nThe actual undergoing of major surgery to repair o r correct an aneurysm, narrowing, \nobstruction or dissection of the aorta through surgical opening of the chest or \nabdomen. For the purpose of this definition, aorta shall mean the thoracic and \nabdominal aorta but not its branches.  \n \nSurgery performed using only minimally invasive or intra -arterial techniques are \nexcluded.  \n \n19 Alzheimer's Disease / Severe Dementia  \n \nDeterioration or loss of cognitive function as confirmed by clinical evaluation and \nimaging tests, arising from Alzheimer's disease or irreversibl e organic disorders, \nresulting in significant reduction in mental and social functioning requiring the \ncontinuous supervision of the life assured. This diagnosis must be supported by the \nclinical confirmation of an appropriate consultant and supported by t he Company's \nappointed doctor.  \n \nThe following are excluded:  \n\u2022 Non-organic diseases such as neurosis and psychiatric illnesses; and  \n\u2022 Alcohol related brain damage.  \n \n20 Fulminant Hepatitis  \n \nA submassive  to massive necrosis of the liver by the Hepatitis virus, leading \nprecipitously to liver failure. This diagnosis must be supported by all of the following:  \n \n\u2022 Rapid decreasing of liver size as confirmed by abdominal ultrasound;  \n\u2022 Necrosis involving entire lobules, leaving only a collapsed reticular framework;  \n\u2022 Rapid deterioration of liver function tests;  \n\u2022 Deepening jaundice; and  \n\u2022 Hepatic encephalopathy.  \n  \n21 Motor Neurone Disease  \n \nMotor neurone disease characterised by progressive degeneration of cortico spinal \ntracts and anterior horn cells or bulbar efferent neurones which include spinal \nmuscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and \nprimary lateral sclerosis. This diagnosis must be confirmed by a neurologist as \nprogressive  and resulting in permanent neurological deficit.  \n \n \n\n6. Critical Illness Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                               133  \n22 Primary Pulmonary Hypertension  \n \nPrimary Pulmonary Hypertension with substantial right ventricular enlargement \nconfirmed by investigations including cardiac catheterisation, resulting in permanent \nphysical impairment of at least Class IV of the New York Heart Association (NYHA) \nClassification of Cardiac Impairment.  \n \nThe NYHA Classification of Cardiac Impairment:  \n \nClass I:  No limitation of physical activity. Ordinary physical activity does not cause \nundue fatigue, dyspnea, or anginal pain.  \nClass II:  Slight limitation of physical activity. Ordinary physical activity results in \nsymptoms.  \nClass III:  Marked limitation of physical activity. Comfortable at rest, but less than \nordinary  activity causes symptoms.  \nClass IV:  Unable to engage in any physical activity without discomfort. Symptoms \nmay be  present even at rest."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: d7ea3ca0-d12c-4112-944c-3f91708b858b
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"d7ea3ca0-d12c-4112-944c-3f91708b858b\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"5292cf10-a897-4c6e-918c-b57b1df20f00\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"532787077a11ad6b61d6e9804a873d6478cc531b50825d4f50ed94c213b7152e\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"2c6a29bd-cf36-4c0f-84a9-f91f66b906e0\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"34258216ec5e117477cad2cdc4c1b6376348c01118f433a8d78f856f1379d6a3\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 566943, \"end_char_idx\": 571335, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Comfortable at rest, but less than \nordinary  activity causes symptoms.  \nClass IV:  Unable to engage in any physical activity without discomfort. Symptoms \nmay be  present even at rest.  \n \n23 HIV Due to Blood Transfusion and Occupationally Acquired HIV  \n \nA. Infection with the Human Immunodeficiency Virus (HIV) throug h a blood \ntransfusion, provided that all of the following conditions are met:  \n \n\u2022 The blood transfusion was medically necessary or given as part of a medical \ntreatment;  \n\u2022 The blood transfusion was received in Singapore after the Issue Date, Date of \nendorsem ent or Date of reinstatement of this Supplementary Contract, \nwhichever is the later; and  \n\u2022 The source of the infection is established to be from the Institution that \nprovided the blood transfusion and the Institution is able to trace the origin of \nthe HIV tainted blood.  \n \nB. Infection with the Human Immunodeficiency Virus (HIV) which resulted from an \naccident occurring after the Issue Date, date of endorsement or date of \nreinstatement of this Supplementary Contract, whichever is the later whilst the \nInsured was carrying out th e normal professional duties of his or her occupation \nin Singapore, provided that all of the following are proven to the Company\u2019s \nsatisfaction:  \n \n\u2022 Proof that the accident involved a definite source of the HIV infected fluids;  \n\u2022 Proof of sero -conversion fr om HIV negative to HIV positive occurring during \nthe 180 days after the documented accident. This proof must include a negative \nHIV antibody test conducted within 5 days of the accident; and  \n\u2022 HIV infection resulting from any other means including sexual a ctivity and the \nuse of intravenous drugs is excluded.  \n \nThis benefit is only payable when the occupation of the insured is a medical \npractitioner, housemen, medical student, state registered nurse, medical laboratory \ntechnician, dentist (surgeon and nurse) or paramedical worker, working in medical \ncentre or clinic (in Singapore).  \n  \nThis benefit will not apply under either section A or B where a cure has become \navailable prior to the  infection. \u201cCure\u201d means any treatment that renders the HIV \ninactive or non -infectious.  \n \n\nHealth Insurance   \n134 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] 24 Benign Brain Tumor  \n \nBenign brain tumour means a non -malignant tumour located in the cranial vault and \nlimited to the brain, meninges or cranial nerves where all of the following conditions \nare met:  \n \n\u2022 It has undergone surgical removal or, if  inoperable, has caused a permanent \nneurological deficit; and  \n\u2022 Its presence must be confirmed by a neurologist or neurosurgeon and supported \nby findings on Magnetic Resonance Imaging, Computerised Tomography, or \nother reliable imaging techniques.  \n \nThe following are excluded:  \n\u2022 Cysts;  \n\u2022 Abscess;  \n\u2022 Angioma;  \n\u2022 Granulomas;  \n\u2022 Vascular Malformations;  \n\u2022 Haematomas; and  \n\u2022 Tumours of the pituitary gland, spinal cord and skull base.  \n \n25 Severe Encephalitis  \n \nSevere inflammation of brain substance (cerebral hemisph ere, brainstem or \ncerebellum) and resulting in permanent neurological deficit which must be \ndocumented for at least 6 weeks. This diagnosis must be certified by a consultant \nneurologist, and supported by any confirmatory diagnostic tests.  \n \nEncephalitis cau sed by HIV infection is excluded.  \n \n26 Severe Bacterial Meningitis  \n \nBacterial infection resulting in severe inflammation of the membranes of the brain or \nspinal cord resulting in significant, irreversible and permanent neurological deficit. \nThe neurological  deficit must persist for at least 6 weeks. This diagnosis must be \nconfirmed by:  \n \n\u2022 The presence of bacterial infection in cerebrospinal fluid by lumbar puncture; and  \n\u2022 A consultant neurologist.  \n \nBacterial Meningitis in the presence of HIV infection is exc luded.  \n \n27 Angioplasty & Other Invasive Treatment for Coronary Artery  \n \nThe actual undergoing of balloon angioplasty or similar intra -arterial catheter \nprocedure to correct a narrowing of minimum 60% stenosis, of one or more major \ncoronary arteries as shown by angiographic evidence. The revascularisation must be \nconsidered med ically necessary by a consultant cardiologist.  \n \nCoronary arteries herein refer to left main stem, left anterior descending, circumflex \nand right coronary artery."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 2c6a29bd-cf36-4c0f-84a9-f91f66b906e0
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"2c6a29bd-cf36-4c0f-84a9-f91f66b906e0\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"d7ea3ca0-d12c-4112-944c-3f91708b858b\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"c93e636098226b40009b48f421eea5abcd0e7a17982250093c6bc58514d85af0\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"5bd8f593-bc7e-48a3-928a-b5a3296bab00\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6f8e541cd531ede3cd3f5e911d78cdceccdc3c02f8eeef4dbbc87e703d0c365e\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 571124, \"end_char_idx\": 575228, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "The revascularisation must be \nconsidered med ically necessary by a consultant cardiologist.  \n \nCoronary arteries herein refer to left main stem, left anterior descending, circumflex \nand right coronary artery.  \n \nPayment under this condition is limited to 10% of the Sum Assured under this policy  \nsubject t o a S$25,000 maximum sum payable. This benefit is payable once only and \n\n6. Critical Illness Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                               135  \nshall be deducted from the amount of this Contract, thereby reducing the amount of \nthe Sum Assured which may be payable herein.  \n \nDiagnostic angiography is excluded.  \n \n28 Blindness (Irre versible Loss of Sight)  \n \nPermanent and irreversible loss of sight in both eyes as a result of illness or accident \nto the extent that even when tested with the use of visual aids, vision is measured at \n6/60 or worse in both eyes using a Snellen eye chart or  equivalent test, or visual field \nof 20 degrees or less in both eyes. The blindness must be confirmed by an \nophthalmologist.  \n \nThe blindness must not be correctable by surgical procedures, implants or any other \nmeans.  \n \n29 Major Head Trauma  \n \nAccidental head injury resulting in permanent neurological deficit to be assessed no \nsooner than 6 weeks from the date of the accident. This diagnosis must be confirmed \nby a consultant neurologist and supported by relevant findings on Magnetic \nResonance Imaging, Computeri sed Tomography, or other reliable imaging \ntechniques. \"Accident\u201d means an event of violent, unexpected, external, involuntary \nand visible nature which is independent of any other cause and is the sole cause of \nthe head Injury.  \n \nThe following are excluded:  \n\u2022 Spinal cord injury; and  \n\u2022 Head injury due to any other causes.  \n \n30 Paralysis (Irreversible Loss of Use of Limbs)  \n \nTotal and irreversible loss of use of at least 2 entire limbs due to injury or disease \npersisting for a period of at least 6 weeks  and with no foreseeable possibility of \nrecovery. This condition must be confirmed by a consultant neurologist.  \n \nSelf-inflicted injuries are excluded.  \n \n31 Terminal Illness  \n \nThe conclusive diagnosis of an illness that is expected to result in the death of t he Life \nAssured within 12 months. This diagnosis must be supported by a specialist and \nconfirmed by the Company\u2019s appointed doctor.  \n \nTerminal illness in the presence of HIV infection is excluded.  \n \n32 Progressive Scleroderma  \n \nA systemic collagen -vascular di sease causing progressive diffuse fibrosis in the skin, \nblood vessels and visceral organs.  This diagnosis must be unequivocally confirmed \nby a consultant rheumatologist and  supported by biopsy or equivalent confirmatory \ntest, and serological evidence, and  the disorder must have reached systemic \nproportions to involve the heart, lungs or kidneys.  \n \nThe following are excluded:  \n\nHealth Insurance   \n136 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] \u2022 Localised scleroderma (linear scleroderma or morphea);  \n\u2022 Eosinophilic fascitis; and  \n\u2022 CREST syndrome.  \n \n33 Persistent Vegetative State (Apallic Syndrome)  \n \nUniversal necrosis of the brain cortex with the brainstem intact. This diagnosis must \nbe definitely confirmed by a consultant neurologist holding such an appointment at \nan approved hospital. This condition has to be med ically documented for at least one \nmonth.  \n \n34 Systemic Lupus Erythematosus with Lupus Nephritis  \n \nThe unequivocal diagnosis of Systemic Lupus Erythematosus (SLE) based on \nrecognised diagnostic criteria and supported with clinical and laboratory evidence. In  \nrespect of this contract, systemic lupus erythematosus will be restricted to those \nforms of systemic lupus erythematosus which involve the kidneys (Class III to Class \nVI Lupus Nephritis, established by renal biopsy, and in accordance with the RPS/ISN \nclassification system). The final diagnosis must be confirmed by a certified doctor \nspecialising in Rheumatology and Immunology."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 5bd8f593-bc7e-48a3-928a-b5a3296bab00
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"5bd8f593-bc7e-48a3-928a-b5a3296bab00\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"2c6a29bd-cf36-4c0f-84a9-f91f66b906e0\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"34258216ec5e117477cad2cdc4c1b6376348c01118f433a8d78f856f1379d6a3\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"7bb4fa81-99d1-4f57-bdb4-c32127f09dc7\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6961a11a9e8ac8cf4952371b0a69b60e7bc6f913ab20b1eadc2628a363fe90cb\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 575123, \"end_char_idx\": 579212, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "The final diagnosis must be confirmed by a certified doctor \nspecialising in Rheumatology and Immunology.  \n \nThe RPS/ISN classification of lupus nephritis:  \n \nClass I  Minimal mesangial lupus nephritis  \nClass I I       Mesangial proliferative l upus nephritis  \nClass III  Focal lupus nephritis (active and chronic; proliferative and sclerosing)  \nClass IV  Diffuse lupus nephritis (active and chronic; proliferative and sclerosing; \nsegmental and  global)  \nClass V  Membranous lupus nephritis  \nClass VI  Advanced sclerosis lupus nephritis  \n \n35   Other Serious Coronary Artery Disease  \n \nThe narrowing of the lumen of at least one coronary artery by a minimum of 75% and \nof two others by a minimum of 60%, as proven by invasive coronary angiography, \nregardless of whether or not any form of coronary artery surgery has been performed.  \n \nDiagnosi s by Imaging or non -invasive diagnostic procedures such as CT scan or MRI \ndoes not meet the confirmatory status required by the definition.  \n \nCoronary arteries herein refer to left main stem, left anterior descending, circumflex \nand right coronary artery. T he branches of the above coronary arteries are excluded.  \n \n36 Poliomyelitis  \n \nThe occurrence of Poliomyelitis where the following conditions are met:  \n \n\u2022 Poliovirus is identified as the cause,  \n\u2022 Paralysis of the limb muscles or respiratory muscles must be pre sent and persist \nfor at least 3 months.  \n \nThe diagnosis must be confirmed by a consultant neurologist or specialist in the \nrelevant medical field.  \n \n \n\n6. Critical Illness Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                               137  \n37 Loss of Independent Existence  \n \nA condition as a result of  a disease, illness or injury whereby the Life Assured is unable \nto perform (whether aided or unaided) at least 3 of the 6 \"Activities of Daily Living\", \nfor a continuous period of 6 months. This condition must be confirmed by the \ncompany's approved doctor.  \n \nNon-organic diseases such as neurosis and psychiatric illnesses are excluded.  \n \nFor the purpose of this definition, \u201caided\u201d shall mean with the aid of special \nequipment, device and/or apparatus and not pertaining to human aid.  \n \nOthers  \n \nThe following two t erms can be found in some of the above definitions, and their \nmeanings are as follows:  \n \n1. Permanent Neurological Deficit  \n \nPermanent means expected to last throughout the lifetime of the Life Assured.  \n \nPermanent neurological deficit means symptoms of dysfu nction in the nervous \nsystem that are present on clinical examination and expected to last throughout the \nlifetime of the Life Assured. Symptoms that are covered include numbness, paralysis, \nlocalized weakness, dysarthria (difficulty with speech), aphasia (inability to speak), \ndysphagia (difficulty swallowing), visual impairment, difficulty in walking, lack of \ncoordination, tremor, seizures, dementia, delirium and coma.  \n \n2. Activities of Daily Living (ADLs)  \n \n(i)    Washing - the ability to wash in the bath or shower (including getting into and out \nof the bath or shower) or wash satisfactorily by other means;  \n(ii) Dressing - the ability to put on, take off, secure and unfasten all garments and, as \nappropriate, an y braces, artificial limbs or other surgical appliances;  \n(iii) Transferring - the ability to move from a bed to an upright chair or wheelchair and \nvice versa;  \n(iv) Mobility - the ability to move indoors from room to room on level surfaces;  \n(v) Toileting - the ability to use the lavatory or otherwise manage bowel and bladder \nfunctions so as to maintain a satisfactory level of personal hygiene;  \n(vi) Feeding - the ability to feed oneself once food has been prepared and made \navailable.  \n \n*End * \n \n\nHealth Insurance   \n138 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] ANNEX 1  \nList of changes to the standard list of 37 critical illness under the Critical Illness \nFramework 2019  \n \n \nNo. Critical Illnesses  Name \nchanged?  Definitions \nchanged?"}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 7bb4fa81-99d1-4f57-bdb4-c32127f09dc7
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"7bb4fa81-99d1-4f57-bdb4-c32127f09dc7\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"5bd8f593-bc7e-48a3-928a-b5a3296bab00\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6f8e541cd531ede3cd3f5e911d78cdceccdc3c02f8eeef4dbbc87e703d0c365e\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"9e7d48fb-39b6-4a65-b1a5-ec8bfe438e63\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"99c9cca5bcc84f28d19550f7b07355540f60ede9f0d0441fe033ebadabe46f1a\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 579155, \"end_char_idx\": 583355, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Critical Illnesses  Name \nchanged?  Definitions \nchanged?  \n1 Major Cancer  Yes Yes \n2 Heart Attacks of Specified Severity  No change  Yes \n3 Stroke with Permanent Neurological \nDeficit  Yes Yes \n4 Coronary Artery By -pass Surgery  No change  No change  \n5 End Stage Kidney Failure  Yes No change  \n6 Irreversible Aplastic Anaemia  Yes Yes \n7 End Stage Lung Disease  No change  No change  \n8 End Stage Liver Disease  No change  No change  \n9 Coma  No change  Yes \n10 Deafness (Irreversible Loss of Hearing)  Yes Yes \n11 Open Chest Heart Valve Surgery  Yes No change  \n12 Irreversible Loss of Speech  Yes Yes \n13 Major Burns  No change  No change  \n14 Major Organ/Bone Marrow \nTransplantation  No change  No change  \n15 Multiple Sclerosis  No change  Yes \n16 Muscular Dystrophy  No change  Yes \n17 Idiopathic Parkinson's Disease  Yes Yes \n18 Open Chest Surgery to Aorta  Yes No change  \n19 Alzheimer's Disease / Severe Dementia  No change  Yes \n20 Fulminant Hepatitis  No change  No change  \n21 Motor Neurone Disease  No change  Yes \n22 Primary Pulmonary Hypertension  No change  No change  \n23 HIV Due to Blood Transfusion and \nOccupationally Acquired HIV  No change  Yes \n24 Benign Brain Tumor  No change  Yes \n25 Severe Encephalitis  Yes Yes \n\n6. Critical Illness Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                               139  \n26 Severe Bacterial Meningitis  Yes No change  \n27 Angioplasty & Other Invasive Treatment \nfor Coronary Artery  No change  No change  \n28 Blindness (Irreversible Loss of Sight)  Yes Yes \n29 Major Head Trauma  No change  Yes \n30 Paralysis (Irreversible Loss of Use of \nLimbs)  Yes No change  \n31 Terminal Illness  No change  No change  \n32 Progressive Scleroderma  No change  Yes \n33 Persistent Vegetative State (Apallic \nSyndrome)  Yes No change  \n34 Systemic Lupus Erythematosus with \nLupus Nephritis  No change   Yes \n35 Other Serious Coronary Artery Diesease  No change  Yes \n36 Poliomyelitis  No change  Yes \n37 Loss of Independent Existence  Yes No change  \n \n\n18\nCRITICAL ILLNESS INSURANCECHAPTER\n06\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nHow a Critical Illness \nInsurance policy works?A Critical Illness (also known as Dread Disease) policy is an insurance product \ndesigned to provide a lump sum benefit to a policyholder in the event that the \ninsured is diagnosed to be suffering from one of the critical illnesses or has \nundergone a surgical procedure covered under the policy. Each critical illness or \nsurgery covered by the policy is precisely defined in the policy, and the benefits will \nbe paid only if he suffers a condition that meets the standard definition as specified \nin the policy.\nCritical Illness Framework \nproposed by the Life \nInsurance AssociationThe CI Framework seeks to balance the interests of both the consumers and the \ninsurance companies i.e. offering clear and consistent coverage on the core critical \nillness benefits will allow for easier product comparison by consumers as well as \nconsistent outcomes in CI claims. It seeks to reduce ambiguity of the same CI claim \nbeing paid by one insurer but rejected by another.\nPlease refer to LIA Website at: www.lia.org.sg for the latest definitions.\nEligibility criteria for \npayment of the Critical \nIllness Insurance benefit\u2022 Policy must be in force.\n\u2022 Life insured has not reached the expiry age of the CI Insurance cover (if \napplicable).\n\u2022 Critical Illness Must Be One That Is Covered.\n\u2022 Meets The Definition Of Critical Illness.\n\u2022 Diagnosis Meets The Conditions Set Down By The Insurer.\n\u2022 Meets The Waiting Period Requirement.\n\u2022 Meets The Survival Period Requirement.\n\n\n19\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nFeatures of Critical Illness \nInsurance\u2022 Pays a lump sum amount upon diagnosis of an insured critical illness. \n\u2022 Generally, one critical illness claim is allowed unless it is a Multiple Pay CI \nInsurance plan.\n\u2022 A specific waiting period (usually ranging from 30 to 90 days). \n\u2022 Some insurers may impose a limit on the total amount of sum assured (e.g. \nS$2,000,000) that a policy owner can buy. This is to minimise the risk of moral \nhazard.\n\u2022 Premium is usually level and non-guaranteed."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 9e7d48fb-39b6-4a65-b1a5-ec8bfe438e63
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"9e7d48fb-39b6-4a65-b1a5-ec8bfe438e63\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"7bb4fa81-99d1-4f57-bdb4-c32127f09dc7\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6961a11a9e8ac8cf4952371b0a69b60e7bc6f913ab20b1eadc2628a363fe90cb\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"796c7304-1332-4971-afc5-100d02c1ed80\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"0ffa00f7b50fe9442c7c22ad39bc143f2102398c58d4bf3440bead574b94bf24\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 583220, \"end_char_idx\": 587182, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "S$2,000,000) that a policy owner can buy. This is to minimise the risk of moral \nhazard.\n\u2022 Premium is usually level and non-guaranteed.\n\u2022 Premium is usually not fixed and is based on the age band basis (e.g. age of 35 \nto 39 years is one rate, age of 40 to 44 years is another rate) for policies that are \nrenewable on a yearly basis.\n\u2022 No restriction on how the CI Insurance benefit payable is to be used.\n\u2022 Can be packaged or attached to an ILP, Term, Endowment or Whole Life \nInsurance policy.\n\u2022 Can be issued on a stand-alone basis (such a policy pays the benefit only upon \ndiagnosis of one of the covered critical illnesses. It does not pay upon the life \ninsured\u2019s death or total and permanent disability).\n\u2022 Can be attached as a supplementary benefit to a basic policy.\n\u2022 CI Insurance rider does not acquire any cash value.\n\u2022 CI Insurance rider is automatically terminated once the basic policy is \nsurrendered or converted into an Extended Term Insurance policy.\n\u2022 Packaged CI Insurance policy which accumulates cash value (e.g. Whole Life type \nof CI Insurance policy) also provides non-forfeiture options. However, the CI \nInsurance cover may be terminated once the policy owner exercises any of the \nnon-forfeiture options (excluding the paid-up option).\n\u2022 A stand-alone Term CI Insurance policy does not acquire cash value. Hence, it \ndoes not have any non-forfeiture option.\n\u2022 Provides 24 hours a day, worldwide coverage, unless otherwise endorsed or \namended in the policy.\n\u2022 Assignment of the policy may or may not be allowed.\n\u2022 A maximum (e.g. age of 60 years) and minimum (e.g. age of one year) entry age \nrestriction. For young lives, it may be subject to lien.\n\u2022 A minimum (e.g. S$10,000) and maximum (e.g. S$2,000,000) sum assured \nrestriction. \n\u2022 Cover may expire at a maximum age (e.g. 75 years) or a whole life cover may be \nprovided.\nTwo main types of Critical \nIllness covers\u2022 Acceleration Benefit.\n\u2022 Additional Benefit.\nSome insurers have also introduced Severity-Based and Multiple Pay CI Insurance \nplans.\nExample on Acceleration \nBenefit Critical Illness (CI) \nInsurance CoverIf an individual buys a S$200,000 Whole Life type of CI Insurance policy with 50% \nacceleration, in the event that he is diagnosed to be suffering from one of the \ncritical illnesses covered under his policy, the insurer will pay him S$100,000 (i.e. \n50% x S$200,000) plus bonuses (if any). The balance of the sum assured plus \nbonuses (if any) will be paid, when he dies or suffers a Total and Permanent \nDisability (TPD).\nExample on Additional \nBenefit Critical Illness (CI) \nInsurance CoverIf a person purchases a S$100,000 Whole Life Insurance policy with a S$200,000 \nAdditional Benefit CI Insurance rider, the insurer will pay him S$200,000 if he \ncontracts one of the critical illnesses covered by his policy. The Whole Life Insurance \nsum assured of S$100,000 will be paid only upon his death or TPD.\n\n20\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nComparison Of \nAcceleration & Additional \nBenefit Types Of Critical \nIllness (CI) Insurance \nCovers\nVariations of Critical Illness \nInsurance\u2022 Severity-Based Critical Illness (CI) Insurance Plan (Early Pay CI).\n\u2022 Multiple Pay Critical Illness (CI) Insurance Plan.\n\u2022 Critical Illness Plans Covering Mental Illnesses.\n\u2022 Insurance Covering Diabetes.\n\u2022 Combination of CI Cover.\n\u2022 Insurance Covering Pregnancy Complications.Acceleration Benefit Additional Benefit\n(Packaged Policy Or \nRider)Stand-alone Policy Rider\nIt must be packaged \nor attached to a basic \npolicy, i.e. ILP, Term, \nEndowment or Whole \nLife Insurance policy.It need not be attached \nto any basic policy.It must be attached to a \nbasic policy.\nOn diagnosis of a critical \nillness, a percentage of \nthe basic sum assured as \nspecified in the policy will \nbe paid.On diagnosis of a critical \nillness, the full sum \nassured of the policy will \nbe paid.On diagnosis of a critical \nillness, the full sum \nassured of the rider will \nbe paid."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 796c7304-1332-4971-afc5-100d02c1ed80
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"796c7304-1332-4971-afc5-100d02c1ed80\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"9e7d48fb-39b6-4a65-b1a5-ec8bfe438e63\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"99c9cca5bcc84f28d19550f7b07355540f60ede9f0d0441fe033ebadabe46f1a\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"91c7acf7-ae27-4d40-bf83-51fbc8945705\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"42ddb97ef4ceaff2d7ac86488d35c6895085e1f6d145a55c9b5930a84ea73514\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 587183, \"end_char_idx\": 591692, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Payment of a CI \nInsurance claim will \ncause the policy to be \nterminated if it is a 100% \nAcceleration type of \npolicy or rider.Payment of a CI \nInsurance claim will \ncause the policy to be \nterminated.Payment of a CI \nInsurance claim will not \naffect the basic policy \nwhich will continue to be \nin force. \nTotal amount paid under \nthe policy is equal to the \nbasic sum assured plus \nbonuses (if any).Total amount paid under \nthe policy is equal to the \nbasic sum assured.Total amount paid under \nthe policy is equal to the \nsum assured of the CI \nInsurance rider, plus the \nsum assured of the basic \npolicy, plus any bonuses \npayable under the basic \npolicy, in the event of a \nperson who contracts \na critical illness dies, or \nbecomes totally disabled \nsubsequently.\nCI Insurance rider sum \nassured must not exceed \nthat of the basic policy.Not applicable. Sum assured can be \nup to a certain number \nof times of the basic \nsum assured, subject to \nthe insurer\u2019s specified \nguidelines.\nCI Insurance rider term \nusually follows that of \nthe basic policy. Not applicable. The term must not \nexceed that of the \nbasic policy and usually \nexpires, when the life \ninsured reaches a \nspecified age.\n\n21\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nUnderwriting \nrequirements\u2022 Basically, the same as those for Life Insurance policies, namely the completion \nof a proposal form (usually the same as that for Life Insurance) and the insured \nundergoing various medical tests. \n\u2022 Difference is that the non-medical limit for CI covers is lower. In other words, \nthe life insured could be required to undergo medical tests for a sum assured \nwhereas he would not be required to do so if he were to apply for a Life \nInsurance policy with the same sum assured.\nFactors to consider in \ndetermining adequacy of \nCritical illness CoverageHaving a CI policy should not be the main objective but selecting the one that \nprovides the right degree of financial support is the key. In determining the \nadequacy of CI coverage, there are five factors to consider:\n\u2022 Life Insurance Association\u2019s (LIA) recommended amount\n\u2022 Minimum five years of income, after taking into account debt\n\u2022 Recovery expenses\n\u2022 Providing for dependents\nCommon exclusions under \na Critical Illness Insurance \npolicy\u2022 Pre-existing illnesses;\n\u2022 Self-inflicted injury or illness, while sane or insane;\n\u2022 Wilful misuse of drugs and/or alcohol;\n\u2022 Congenital anomalies or inherited disorders;\n\u2022 Acquired Immune Deficiency Syndrome (AIDS) or infection by any human \nimmunodeficiency virus (HIV);\n\u2022 Bodily injury sustained as a result of travel in or on any type of aircraft, except \nas a fare-paying passenger or as a crew member of an international airline \noperating on a regularly scheduled passenger flight of a licensed commercial \naircraft; and\n\u2022 War or warlike operation, nuclear, strike, riot and civil commotion risks.\nNote that the exclusions vary from insurer to insurer.\nCircumstances under \nwhich Critical Illness \nInsurance policy will be \nterminated\u2022 A valid critical illness claim has been made (usually the case, unless the policy \ncontract states otherwise);\n\u2022 Maximum coverage allowed under the policy is paid out; \n\u2022 Basic Life Insurance policy to which it is attached or packaged matures or \nexpires;\n\u2022 Policy lapses owing to non-payment of premiums after the grace period;\n\u2022 Policy is surrendered for its cash value or converted into an Extended Term \nInsurance policy;\n\u2022 Life insured dies; or\n\u2022 Life insured reaches the expiry age of the CI Insurance rider.\nDocuments that the \ninsured has to submit \nwhen making a claim\u2022 Claimant\u2019s statement to be completed by the policy owner and the life insured if \nthey are not the same person;\n\u2022 Attending Physician\u2019s Report; and\n\u2022 Proof of the critical illness, such as biopsy report, histology report, imaging/scan \nreport, laboratory report, and others as mentioned earlier, or as requested by \nthe insurer, furnished at the expense of the claimant.\nClaim procedures \u2022 Written notice of the claim to be submitted within a specified period (usually 60 \ndays) of the diagnosis of the critical illness or the performance of a surgery as \ncovered under the policy;\n\u2022 Submission of the claim form within a specified period (e.g. 15 days) from the \ndate that the insurer sent it out; and\n\u2022 All proofs of the critical illness must be submitted within a specified period \n(usually 60 days) from the date of diagnosis of the critical illness or surgery.\nNote that it may vary from insurer to insurer."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 91c7acf7-ae27-4d40-bf83-51fbc8945705
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"91c7acf7-ae27-4d40-bf83-51fbc8945705\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"796c7304-1332-4971-afc5-100d02c1ed80\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"0ffa00f7b50fe9442c7c22ad39bc143f2102398c58d4bf3440bead574b94bf24\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"d9426db1-e17b-44a4-b49b-de33a5a62660\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"c23aa8dba8865c578839560fcecab30d7f3be96624b459f3141485568e628c16\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 591646, \"end_char_idx\": 597587, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Note that it may vary from insurer to insurer.\nHow a Group Critical \nIllness Insurance policy \nworks?\u2022 Coverage of a Group CI Insurance cover is similar to that of the Individual CI \nInsurance cover\n\u2022 Can be in the form of either the Acceleration or the Additional Benefit CI type of \ncover. \n\u2022 However, there will always be an expiry age (e.g. 75 years) specified in the CI \nInsurance cover, regardless of whether it is an Acceleration or Additional Benefit \ntype of CI Insurance cover.\n\nHealth Insurance   \n140 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4]       CHAPTER 7  \nOTHER TYPES OF HEALTH INSURANCE  \n \n \n \nCHAPTER OUTLINE  \n \n1. Introduction  \n2. Hospital Cash (Income) Insurance  \n3. Medical Expense Benefits Under Travel Insurance  \n4. Group Dental Care Insurance  \nAppendix 7A \u2013 Sample Schedule Of Allowances Under Group Dental Insurance  \n \n \n \nLEARNING OUTCOMES  \n \nAfter studying this chapter, you should be able to:  \n\u25aa understand how a Hospital Cash  (Income)  Insurance policy works \n(whether as a stand -alone policy or as a rid er) \n\u25aa briefly explain the conditions to be met before a claim can be admitted \nunder a Hospital Cash Insurance policy  \n\u25aa state the features and types of a Hospital Cash Insurance policy  \n\u25aa list the common exclusions under a Hospital Cash Insurance policy/rider  and know \nthe circumstances under which it will be terminated  \n\u25aa list the documents that need to be submitted in the event of a claim under a Hospital \nCash Insurance policy  \n\u25aa know the common medical benefits provided by a Travel Insurance policy  \n\u25aa state the common exclusions for the medical expense benefit s under a typical Travel \nInsurance policy  \n\u25aa know how the benefits are paid under Group Dental Insurance and whether there are \nany limits to the benefits that one is entitled to claim  \n\u25aa state the common exclusions under a Group Dental Insurance policy  and understand \nhow the limitation clause of a Group Dental Insurance policy works  \n\u25aa know the circumstances under which a Group Dental  Insurance  policy will be \nterminated  \n\u25aa know the claim procedure s, including the types of documents that need to be \nsubmitted for a Group Dental Care Insurance claim  \n \n \n \n \n \n \n\n7. Other Types of Health Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                 141  \nContents  \nCHAPTER OUTLINE  ................................ ................................ ................................ .........  140 \nLEARNING OUTCOMES  ................................ ................................ ................................ .. 140 \n1. INTRODUCTION  ................................ ................................ ................................ ..... 142 \n2. HOSPITAL CASH (INCOME) INSURANCE  ................................ .............................  142 \nA. Conditions To Be Met Before A Claim Can Be Admitted  ..............................  143 \nA1. Waiting Period  ................................ ................................ ..........................  143 \nA2. Hospital Confinement ................................ ................................ ...............  143 \nB. Features Of Hospital Cash Insurance  ................................ .............................  144 \nC. Types Of Hospital Cash Insurance ................................ ................................ .. 144 \nC1. Stand -alone Hospital Cash Insurance  ................................ .....................  145 \nC2. Hospital Cash Insurance Riders  ................................ ...............................  145 \nD. Underwriting  ................................ ................................ ................................ ... 145 \nE. Exclusions  ................................ ................................ ................................ ........  146 \nF. Termination Of Cover ................................ ................................ ......................  146 \nG. Claims  ................................ ................................ ................................ ..............  147 \n3. MEDICAL EXPENSE BENEFITS UNDER TRAVEL INSURANCE ............................  147 \nA. Medical Expenses & Other Related Benefits  ................................ .................  147 \nB. Hospital Confinement Allowance  ................................ ................................ ... 148 \nC. Emergency Medical Evacuation  ................................ ................................ ..... 148 \nD. Repatriation  ................................ ................................ ................................ ..... 149 \nF. Exclusions  ................................ ................................ ................................ ........  149 \n4. GROUP DENTAL CARE INSURANCE  ................................ ................................ .... 150 \nA. Benefits Offered ................................ ................................ ...............................  150 \nB. Flexibility  ................................ ................................ ................................ .........  151 \nC. Exclusions  ................................ ................................ ................................ ........  151 \nD. Limitation Clause  ................................ ................................ .............................  151 \nE. Termination Of Cover ................................ ................................ ......................  152 \nF. Claims  ................................ ................................ ................................ ..............  152 \nAPPENDIX  7A ................................ ................................ ................................ ..................  153 \n \n \n\n\nHealth Insurance   \n142 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] 1."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: d9426db1-e17b-44a4-b49b-de33a5a62660
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"d9426db1-e17b-44a4-b49b-de33a5a62660\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"91c7acf7-ae27-4d40-bf83-51fbc8945705\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"42ddb97ef4ceaff2d7ac86488d35c6895085e1f6d145a55c9b5930a84ea73514\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"2c218aae-2d02-4f1b-8047-aad85d9a841a\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"a5f2a664e292cc8a4c38cb091a6331d6c6ed2763c7f0fc61990cf91e60c89612\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 597481, \"end_char_idx\": 601577, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Health Insurance   \n142 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] 1. INTRODUCTION  \n \n1.1 In this chapter, we will introduce you to three more types of Health Insurance \nproducts : Hospital Cash Insurance, Medical Expenses Benefits covered in Travel \nInsurance , as well as Group Dental Care  Insurance .   \n \n \n2. HOSPITAL CASH (INCOME) INSURANCE  \n \n2.1 Hospital Cash (also known as Hospital Income) Insurance pay s a daily cash \nbenefit to the insured if he is hospitalised as a result of an injury or illness. The \ndaily benefit is a fixed dollar amount (e.g. S$100) chosen by  the insured at the \ninception of the policy. The amount has no direct correlation to the actual \namount of medical fees incurred. The total amount paid under this policy may \nbe more or less than the actual medical expenses incurred. The payment of the \nbenef it is limited to a specified number of days (e.g. 180 days) per \nhospitalisation. Some insurers may impose a lifetime limit on the number of \ndays (e.g. 1,000 days) that a person may claim.  \n \n2.2 Let us look at Example 7.1 to illustrate the working of this benef it.  \n \nExample 7.1: Illustration Of The Working Of A  \nHospital Cash Insurance  Policy  \n \nIllustration of the claims history of Harry who purchased a Hospital Cash Insurance \nthat paid a daily benefit of S$100 up to a period  of 180 days per hospitalisation and \n1,000 days per lifetime:  \n \n2008  \n2010  \n2012  \n2015  \n2017  \n2019  - \n- \n- \n- \n- \n- hospitalised for 150 days for car accident injury  \nhospitalised for  210 days for complicated heart by-pass surgery  \nhospitalised for 1 70 days for severe osteoporosis  \nhospitalised for 190 days for hip replacement  \nhospitalised for 200 days for broken thigh bone treatment  \nhospitalised for 1 60 days for varicose v ein treatment  \n \nThe total amount that the insurer paid to him to -date worked out to be as follows:  \n2008  -    150 days  \n2010  -    180 days  \n2012  -    170 days  \n2015  -    180 days  \n2017  -    180 days  \n2019  -    140 days  (i.e. 1,000 \u2013 860) \n \nTotal  -     1,000 days   X  S$100 per day = S$100,000                           \n \n2.3 Note that, although Harry had stayed in the hospital for more than 180 days in  \n2010 , 2015 and 2017 , the insurer paid him only up to 180 days  being the \nmaximum period  per hospitalisation . In year 2019 , though his stay was 1 60 \ndays, because the balance  of his lifetime limit was 1 40 days, the insurer paid \nhim for the hospital stay of  only 140 days.  \n \nDread \nDisease  \n\n7. Other Types of Health Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                 143  \n2.4 Since he had claimed for the maximum number of hospitalisation days allowed \nper lifetime, his policy was terminated after he had received the last payment \nfrom the insurer.  \n \n2.5 Hospital Cash Insurance can be issued as a stand -alone policy or as a rider. \nMost of the time, it is either sold as a rider or included or bundled into other \ntypes of insurance, such as Personal Accident  Insurance , Travel Insurance, \nCritical Illness Insurance or Medical Expense Insurance policies , to make the \ncover more attractive to the buyer s. The amount payable under Hospital Cash \nInsurance is usually in addition to all other Health Insurance policies, plans or \nschemes (including MediShield  Life, Integrated Shield Plan and any Group \nHospital & Surgical Insurance Scheme ) for which the individu al is covered.  \n \n2.6 This benefit  can be issued to cover hospitalisation resulting from : \n\u25aa injury only; or  \n\u25aa both injury and illness.   \n  \nA. Conditions To Be Met Before A Claim Can Be Admitted  \n \n2.7 Usually  for a claim under a Hospital Cash Insurance policy to be considered \nvalid, it must meet the criteria  as described below : \n \nA1. Waiting Period  \n \n(a) For Injury  \nIf the insured is hospitalised as a result of  injury, the injury must be caused \nby an accident1 directly and independently of any other cause. Usually , \nthere is no waiting period for such  a case."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 2c218aae-2d02-4f1b-8047-aad85d9a841a
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"2c218aae-2d02-4f1b-8047-aad85d9a841a\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"d9426db1-e17b-44a4-b49b-de33a5a62660\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"c23aa8dba8865c578839560fcecab30d7f3be96624b459f3141485568e628c16\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"8a20c4ba-ab6d-43f3-83ec-0f95d4d7e6d9\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"7fac63e0017f72a95786fd57c9505e228f41decb0a6fc9721eb1ee588ac7a7e6\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 601522, \"end_char_idx\": 605724, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Usually , \nthere is no waiting period for such  a case.   \n \n(b) For Illness  \nIf the insured is hospitalised because of an illness or disease, it must be \ncontracted or commenced after the policy has taken effect , as well as  after \na specified period of time (e.g. 30 days) has lapsed from the date of issue \nor reinstatement of the poli cy. In addition, it must not be an illness that is \nspecifically excluded from the cover age of the policy.  \n \nA2. Hospital Confinement  \n \n2.8 The insured must be confined to a hospital for a specified minimum period of \ntime. Note that the minimum duration required for hospital  confinement varies \nfrom insurer to insurer , and that it ranges from six to 24 hours.  \n \n(a) Per Lifetime Limit  \nThe insured\u2019s total number of hospitalisation days claimed has not \nexceeded the per lifetime limit (as illustrated in Example 7.1 of this \nchapter).  \n \n  \n \n1  Accident normally means any event caused by violent, accidental, external and visible means.  \n\n\nHealth Insurance   \n144 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] (b) Expiry Age  \nThe insured has not reached the expiry age as stated in the policy.  \n \n(c)  Cause  \nThe cause of the injury or illness must not fall under one of the exclusions \nas discussed in a later s ection of this chapter.  \n \nB. Features Of Hospital Cash Insurance  \n \n2.9 Although Hospital Cash Insurance can be issued as a stand -alone policy or as a \nrider, it share s the common features  as described below : \n(a) There is a per day hospitalisation benefit . \n(b) There is a cap to the maximum amount payable on a single life usually \nexpressed as a maximum number of days . \n(c) The benefit is a fixed amount throughout the policy term as specified at the \ninception of the policy . \n(d) There is no waiting period if the cause of hospitalisation is due to an injury. \nA waiting period is usually imposed  from the date of issue or reinstatement \nof the policy if the cause of hospitalisation is due to  an illness . \n(e) The benefit payment is not affected by the payments from other Health \nInsurance policies , plans or schemes ( including Medishield  Life, Integrated \nShield Plan and any Group Hospital & Surgical Insurance Scheme ), i.e. it is \npaid on top of the benefits received from  all other medical insurance covers . \n(f) The cover expires at a specified age  (e.g. 65, 70 or 75 years ). \n(g) The premiums may be level o r increased once the insured  reaches a higher \nage-band . \n(h) It is yearly  renewable.  \n(i) It usually  provides 24-hour, worldwide coverage , although some insurers \nlimit the cover to certain geographical areas .  \n(j) It usually  has no cash value .   \n(k) No assignment of the policy is allowed . \n(l) For a policy that is in  force for a consecutive period of insurance  and free  \nof any claim , a premium discount is usually given at renewal.  This is usually \ncalled a  \u201dNo Claim Discount \u201d. A certain percentage (e.g. 25% ) will be \ndeducted from the next renewal premium , subject to condition s as imposed \nby the insurer . \n \nC. Types Of Hospital Cash Insurance  \n \n2.10 As already mentioned, Hospital Cash Insurance can be issued as a stand -alone \npolicy or as a rider. Let us look at how each of them works.  \n \n \n \n \n\n7. Other Types of Health Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                 145  \nC1. Stand -alone Hospital Cash Insurance  \n \n2.11 Usually, when Hospital Cash Insurance is being issued as a stand -alone  policy , \nthe daily benefits offered are more attractive. It may also include:  \n(a) payment of 150% of the daily benefit if the insured stays in a High \nDependency Unit (HDU) or Coronary Care Unit (CCU)  of a hospital ; \n(b) double or triple payment if the insured stays in the Inten sive Care Unit (ICU)  \nof a hospital ; \n(c) triple payment if hospitalisation is due to accident , or if the insured is \nhospitalised overseas;  \n(d) get-well benefit;  \n(e) rehabilitation income ;  \n(f) free accidental death benefit ; and  \n(g) involuntary loss of employment benefit (in excess of 30 days) - waiver of \npremium (up to six months)."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 8a20c4ba-ab6d-43f3-83ec-0f95d4d7e6d9
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"8a20c4ba-ab6d-43f3-83ec-0f95d4d7e6d9\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"2c218aae-2d02-4f1b-8047-aad85d9a841a\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"a5f2a664e292cc8a4c38cb091a6331d6c6ed2763c7f0fc61990cf91e60c89612\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"b7019132-9cf1-4070-83f2-25f06d0d675d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"c4ec5ac9ef9efe310c4b30db1823f51091ec2881c2535cc633e16eba79691840\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 605729, \"end_char_idx\": 609843, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "2.12 The premium for a stand -alone policy usually increases when the insured \ncrosses into the next age-band upon the renewal of the policy. For example, \nfrom the ages of 21 to 40 years , the insured  may need to pay S$21.50 per month  \nfor S$100 per day benefit . From the ages of 41 to 50 years , he may need to pay \nS$33.50 per month , and so on. In other words, the premium increases with  age.  \n \n2.13 The insured can have a choice of different plans provid ing varying amounts of \nbenefits , and may include his spouse and children under the cover. The policy \nis usually automatically renewable on an annual basis up to a specified age (e.g. \n65, 70 or 75 years ). Normally, the cover age is 24-hour, worldwide basis.  \n \nC2. Hospital Cash Insurance Riders  \n \n2.14 Hospital Cash Insurance can also be issued as a rider attached to a basic policy, \nsuch as a Life Insurance polic y (e.g. Whole Life Insurance, Endowment \nInsurance or  Critical Illness Insurance policy ). The rider usually expires when \nthe insured reaches a specified age (e.g. 65, 70 or 75 years ) or on the maturity \nof the policy, whichever is the earlier.  Thus , the term of this rider cannot be \nlonger than that of the basic policy , since the rider cannot stand on its own.  \n \nD. Underwriting  \n \n2.15 Owing  to its small premium s, Hospital Cash Insurance p olicy is usually not \nunderwritten. Pre -existing medical conditions are permanently excluded under \nthe policy . \n \n  \n\nHealth Insurance   \n146 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] E. Exclusions  \n \n2.16 The common  exclusions of a Hospital Cash Insurance policy include:  \n(a) pre-existing medical condition that the insured knew existed or has \nreceived treatment and/or medical advice;  \n(b) pre-existing physical defect or infirmity, unless declared to and accepted by \nthe insurer ; \n(c) self-inflicted injuries or suicide , while sane or insane;  \n(d) Human immunodeficiency virus (HIV) or any HIV related illness, including \nAcquired Immune Deficiency Syndrome (AIDS) or any illness arising from \nit; \n(e) sexually transmitted disease;  \n(f) mental/nervous dis order, drug addiction, intoxication, alcoholism, obesity, \nweight reduction/improvement, bulimia, anorexia nervosa, preventive \ntreatment, such as vaccination or acupuncture;  \n(g) illegal or unlawful act of the insured;  \n(h) pregnancy, miscarriage, childbirth, abortio n, birth control or infertility;  \n(i) routine physical or any other medical examination not relating to any health \nimpairment;  \n(j) cosmetic or plastic surgery, circumcision, congenital condition, dental work \nor myopic treatment;  \n(k) war and related operations;  \n(l) nuclear weapons material, ionising or radiation;  \n(m) strike , riot  and civil commotion;  and \n(n) participation in hazardous sports like skiing or sky -diving, aerial activities \nother than air travel as a fare -paying passenger  of a licensed aircraft , driving \nor riding in any kind of race,  motor -cycling  or pillion riding.  \n \n2.17 These  are just some of the common exclusions , and they vary from insurer to \ninsurer.  \n \nF. Termination Of Cover  \n \n2.18 A Hospital Cash Insurance cover will terminate when one of the following \nevents  occurs : \n(a) the premium is not paid at the end of the grace period;  \n(b) the insured reaches the expiry age as stated in the policy ; \n(c) the per lifetime limit is reached;  \n(d) the basic policy lapses or matures;  or \n(e) the insured dies.  \n \n  \n\n7. Other Types of Health Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                 147  \nG. Claims  \n \n2.19 In the event of a claim, the insurer will require submission of the following \nsupporting documents:  \n(a) claim form; and \n(b) hospital discharge summary  and bills. \n \n \n2.20 These are the usual documents that the insured is required to submit. Note that \nthe insurer reserves the right to call for additional documentary evidence, such \nas the Attending Physician\u2019s Report  and any other relevant supporting \ndocuments.  \n \n \n3."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: b7019132-9cf1-4070-83f2-25f06d0d675d
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"b7019132-9cf1-4070-83f2-25f06d0d675d\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"8a20c4ba-ab6d-43f3-83ec-0f95d4d7e6d9\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"7fac63e0017f72a95786fd57c9505e228f41decb0a6fc9721eb1ee588ac7a7e6\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"d798fc14-feb2-4070-a097-2ba15c1a0a09\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"8c692164a6d9d138946086e3845d46a3633aa987830d3db2bb07f1cbd6297df2\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 609659, \"end_char_idx\": 614102, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Note that \nthe insurer reserves the right to call for additional documentary evidence, such \nas the Attending Physician\u2019s Report  and any other relevant supporting \ndocuments.  \n \n \n3. MEDICAL EXPENSE BENEFITS UNDER TRAVEL INSURANCE  \n \n3.1 Travel Insurance can be issued on an individual or group basis to cover any \nlosses, liabilities , medical expenses and other travel inconveniences suffered \nby an individual while travelling  outside Singapore . In thi s section, we will focus \nour discussion on the medical and related benefits offered only under a Travel \nInsurance policy. The other benefits are discussed in detail in \u201cPersonal General \nInsurance  (PGI) \u201d Study Guide  published by the Singapore College of Ins urance \nLimited.  \n \n3.2 The medical benefits offered by a Travel Insurance policy usually include:  \n\u25aa medical expenses  and other related benefits;  \n\u25aa hospital confinement allowance;   \n\u25aa emergency medical evacuation; and  \n\u25aa repatriation . \n \nA. Medical Expense s & Other Related Benefit s \n \n3.3 Travel Insurance will reimburse most of the non-elective overseas medical and \ntreatment expenses necessarily and reasonably incurred by the insured person \nfor sustaining  injury or sickness (as defined in the policy) as follows:  \n\u25aa medical expenses, such as clinical, hospital, surgical, nursing, ambulance \nand medical supply charges, and emergency accidental dental and \nmiscarriage expenses, including any follow -up medical expenses in \nSingapore incurred within a certain specified perio d (usually 30 days) after \nthe insured person returns from his trip; and   \n\u25aa expenses incurred for treatment by Traditional Chinese Medicine physician, \nincluding acupuncturist, bonesetter, chiropractor, herbalist or \nphysiotherapist, up to a limit (e.g.  S$750) as specified by some insurers;  \n \nsubject to an overall limit of indemnity (e.g. as much as S$2,000,000).  \n \n  \nCLAIM \nF\n\nHealth Insurance   \n148 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] 3.4 Because there is typically no age limit to apply for travel insurance policy, \ninsurer sets lower benefit limit s for child ren (below age 18) and elderly person \n(usually above the age of 70 years) if insured under  such a policy.  \n \n3.5 Traditionally excluded from travel policies, some insurers are now extending \ncoverage for pre -existing medical conditions to travel policies with either a \nhigher premiu m and/or simple health questions.  \n \n3.6 Reimbursement is also made for the following:  \n\u25aa reasonable additional accommodation and travelling expenses necessarily \nincurred by the insured person (and a travel companion if required) to \nremain in the overseas country of visit for medical treatment on the written \nadvice of a medical practitioner, up to a limit (e.g. S$25,000) ; and  \n\u25aa hospital visit \u2013 reasonable travel and accommodation expenses necessarily \nincurred by one relative or friend of the insured person who has been \nhospitalised overseas for more than five days for example, to visit and stay \nwith him until he is medically fit to return home, up to a limit (e.g. S$10,000) . \n \nB. Hospital Confinement Allowance  \n \n3.7 The insured person is entitled to an amount of daily cash payment (e.g. S$200 \nper day) that he is hospitalised abroad up to a certain period (e.g. 100 days) or \nup to a certain amount (e.g. S$20,000), in addition to any medical expenses \nwhich he has claimed. The benefits are payable upon his return to Singapore, \nwhen he submits a claim with all relevant supporting documents of evidence to \nthe insurer.  \n \n3.8 For hospitalisation in Singapore where t reatment is sought within a certain \nperiod (e.g. seven days) upon return, the limits are generally lower (e.g. S$100 \nper day payable up to 10 days).  \n \n3.9 Some insurers provide double benefit for overseas hospitalisation in an \nIntensive Care Unit resulting from  an accident up to a certain period (e.g. 10 \ndays).  \n \nC. Emergency Medical Evacuation  \n \n3.10 This covers the cost of any emergency medical evacuation. Emergency medical \nevacuation means that, in the event of a critical situation in which the insured \nperson suffers a serious illness or injury abroad, and has to be evacuated to \nanother place to seek  emergency medical treatment, because the local medical \nservices are inadequate or unavailable.  \n \n3.11 The insurer contracts a specialist company to provide emergency medical \nevacuation."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: d798fc14-feb2-4070-a097-2ba15c1a0a09
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"d798fc14-feb2-4070-a097-2ba15c1a0a09\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"b7019132-9cf1-4070-83f2-25f06d0d675d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"c4ec5ac9ef9efe310c4b30db1823f51091ec2881c2535cc633e16eba79691840\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"e3c445da-c095-42ec-a853-59531cc21d28\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"b2f74c2b73aedc9598898b87b644f6ee87ae670c374a3b03550685388394381b\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 614013, \"end_char_idx\": 618456, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "3.11 The insurer contracts a specialist company to provide emergency medical \nevacuation. It is a requirement in the policy that the insured person must contact \nsuch specialist company  which  shall then decide whether or not the insured \nperson will require emergency medical evacuation. For this purpose, a  24-hour \nmultilingual helpline or hotline phone number of such a specialist company is \nspecified in the policy , as well as a handy card, which a policyholder can bring \nalong for his trip .  \n\n7. Other Types of Health Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                 149  \n3.12 There is usually a maximum benefit limit (e.g. S$500,000) payable for the lower \ncoverage plan. However, for the higher coverage plan , the coverage amount is \nusually unlimi ted. \n \n3.13 An important aspect of having emergency assistance cover is \nthat it gives further peace of mind to the insured person if he \nsuffers a serious illness or injury in an unfamiliar  environment , \nknowing that help will be on the way with just a phone call away.  \n \nD. Repatriation  \n \n3.14 Travel Insurance covers the expenses incurred in emergency medical \nrepatriation and repatriation of body remains.  \n \n3.15 Emergency medical repatriation occurs when , as a result of  an unfortunate \nillness or accident abroad, the insured has to be repatriated  to his country of \norigin ( e.g. return  to Singapore ). The decision as to whether or not he should \nbe repatriated would strictly rest with the attending medical doctor or the \ninsurer\u2019 s contracted specialist company.  \n \n3.16 Repatriation of remains means the transportation of and return of the deceased \ninsured\u2019s mortal remains to his country of origin . \n \n3.17 There is a maximum benefit limit (e.g. S$30,000) payable for the lower coverage \nplan.  Howev er, for the higher coverage plan, the coverage amount is usually \nunlimited . \n \nF. Exclusions  \n \n3.18 Travel Insurance usually does not cover any claims directly or indirectly arising \nfrom or in connection with:  \n(a) war, invasion, act of foreign enemy, hostilities or warlike operations \n(whether war be declared or not), civil war, mutiny, rebellion, revolution, \ninsurrection or military or usurped power;  \n(b) ionising radiation or contamination by radioactivity from any nucl ear fuel \nor from any nuclear waste from the combustion of nuclear fuel;  \n(c) participation in civil defence, police, military, naval or air force service or \noperation, or national service in accordance with the Enlistment Act 1970 ; \n(d) self-inflicted injury, suicid e or attempted suicide, while sane or insane, \nmental or physical defect or infirmity, insanity or nervous disorder, \nintoxication or use of non -prescription drugs;  \n(e) routine health check -up, or cosmetic (aesthetic) or plastic surgery;  \n(f) sexually transmitted dis ease, AIDS and HIV conditions or AIDS related \ninfections;  \n(g) pregnancy or childbirth or any sickness associated with pregnancy or \nchildbirth;  \n(h) any pre -existing condition  (except for some policies, subject to Section 4.5 \nabove)  for which the insured person rece ived medical treatment, diagnosis, \n \n\nHealth Insurance   \n150 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] consultation or prescribed drugs within the 12 (or six) months\u2019 period \nbefore the commencement date of the policy period of insurance;  \n(i) driving or riding in any kind of race, engaging in any professional sport, ice \nor wint er sport, mountaineering requiring the use of guides and ropes, or \nunderwater activity involving the use of underwater breathing apparatus;  \n(j) aerial activity other than air travel as a fare -paying passenger in a licensed \npassenger -carrying aircraft;  \n(k) direct p articipation in criminal, unlawful or terrorist act, or strike, riot or civil \ncommotion;  \n(l) any event including strike, riot, civil commotion, health threatening \nsituation, natural disaster published by the mass media or through advisory \nof the authority, unl ess the policy already issued or the trip already \ncommenced before the date of publication or advisory;  or \n(m) travel booked or undertaken against medical advice, or for the purpose of \nobtaining or seeking any medical care or treatment abroad . \n \n3.19 Note that the exclusions, restrictions and limitations vary from insurer to \ninsurer.   \n \n \n4."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: e3c445da-c095-42ec-a853-59531cc21d28
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"e3c445da-c095-42ec-a853-59531cc21d28\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"d798fc14-feb2-4070-a097-2ba15c1a0a09\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"8c692164a6d9d138946086e3845d46a3633aa987830d3db2bb07f1cbd6297df2\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"c58622b5-759f-4d5c-ad7a-4145e72bb3d4\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"9ce58563909a68fdc9f66d6f3463c445d8b0c6d29b6a5b03f71b3ab944122527\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 618356, \"end_char_idx\": 622464, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "3.19 Note that the exclusions, restrictions and limitations vary from insurer to \ninsurer.   \n \n \n4. GROUP DENTAL CARE INSURANCE  \n \n4.1 Dental Care Insurance is usually o ffered on a group basis and without \nunderwriting. Most insurers issue it as a rider attached to a Group Hospital and \nSurgical Insurance policy . Like all group policies, only employees who are \nactively at work can be covered under this policy , and it is usually on a non -\ncontributory basis. Coverage is 24 -hour , worldwide basis. The policy is usually \nissued for a period of two years and thereafter, renewable every one or two \nyears , depending on the insurer . \n \nA. Benefits Offered  \n \n4.2 The benefits provided are very comprehensive and include dental procedures \nranging from simple scaling and polishing to root canal treatment and wisdom \ntooth extraction. Appendix 7A is a sample of the Schedule of Allowances \nspecifying  the benefits/procedures covered.   \n \n4.3 The Schedule of Allowances in Appendix 7A also shows one of the ways in \nwhich the insurer reimburses the insured for dental expenses incurred. The \nbasis of reimbursement is based on the limits as specified in the Schedu le of \nAllowances. There is no annual claim limit and also no restriction on the \nnumber of visits per policy year. For example, an employee can go to the \ninsurer\u2019s panel of dentists for cleaning and polishing twice a year. The cost of \neach treatment is S$40 for example , but he will not be required to pay a single \ncent, as the amount will be born e by the insurer.  \n \n  \n \n \n \n \n \n \n\n7. Other Types of Health Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                 151  \n4.4 Instead of setting benefit limits for each treatment/procedure, some insurers set \nan overall limit (e.g. S$200) that each insured employee may claim during each \npolicy year. Once this limit is reached, the insured employee will have to pay \nfrom his own pocket for any treatment/procedure received.  \n \n4.5 Note also that pre -existing dental conditions are usually covered as well.  \n \nB. Flexibil ity \n \n4.6 Most insurers  that issue Group Dental Care Insurance policies do not have their \nown panel of dentists. As such, the insured employees can visit their own \ndentist s for treatment s. Insurers who have their own panel of dentists also allow \nthe insured employees to go to their own dentist s, but will usually reimburse \nthem up to the maximum limit  as stated in the Schedule of Allowances. The \nemployee will have to pay the difference from  his own pocket.   \n \n4.7 Most insurers also allow the coverage to be extended to cover the insured \nemployee\u2019s family members, namely  spouse and children.  \n \nC. Exclusions  \n \n4.8 Like all other insurance  cover s, Group Dental Care Insurance policies also \nimpose certain exclusions on the cover provided. Some common exclusions \ninclude:  \n(a) dental procedures that are not specified in the Schedule of Allowances;  \n(b) hospital charges;  \n(c) injuries arising directly or indirectly from war (declared or undeclared), \nrevolution , or any warlike operation ; \n(d) medicine given;  \n(e) treatment which is purely cosmetic in nature;  \n(f) treatment resulting from self -inflicted injury , while sane or insane;  and \n(g) replace ment of broken, lost or stolen dentures.  \n \n4.9 These are the general exclusions. You need to find out the specific exclusions \nunder your insurer \u2019s policies , as the exclusions vary among the insurers . \n \nD. Limitation Clause  \n \n4.10 All Group Dental Care Insurance policies include this Limitation Clause , to bring \nto the attention of the insured persons (employees) that the  reimbursement s \nunder their policies will be reduced by benefits claimable under:  \n(a) the Work  Injury  Compensation Insurance  policy ; \n(b) any government or public programme of dental or medical benefits; or  \n(c) any other group or individual Health or Dental Care Insurance  policy . \n \n  \n \n\nHealth Insurance   \n152 Copyright reserved by the Singapore College of Insurance Limited [Version 1."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: c58622b5-759f-4d5c-ad7a-4145e72bb3d4
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"c58622b5-759f-4d5c-ad7a-4145e72bb3d4\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"e3c445da-c095-42ec-a853-59531cc21d28\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"b2f74c2b73aedc9598898b87b644f6ee87ae670c374a3b03550685388394381b\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"d3650087-d251-4b2b-9ded-87e8d16b45eb\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"f0874461cba4728b96da4d4b7dbf4f20405b55541e11066ede90d491413b0b5b\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 622364, \"end_char_idx\": 626138, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Health Insurance   \n152 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] E. Termination Of Cover  \n \n4.11 Cover for each individual insured employee under a Group Dental Care \nInsurance policy will automatically terminat e on the earliest of the following \ndates:  \n(a) the date of termination of the insured employee\u2019s active full -time \nemployment with the policy  owner (employer);  \n(b) the date of termination of the policy;  \n(c) the date of expiration of the period for which the last premium payment is \nmade in respect of the insured employee\u2019s cover;  \n(d) the date on which the insured employee enters full -time military, naval, air \nor police service , except during  peacetime  National Service reservist duty \nor training  in accordance with the Enlistment Act 1970 ; or \n(e) the date of expiration of the period within which the insured employee \nreaches a specified age ( e.g. 65 years ). \n \nF. Claims  \n \n4.12 For any insurer that has a panel of dentists, the insurer will issue a membership \ncard or certificate to every individual insured employee who will need  to \nproduce  it, whenever he visits the dental clinic for treatment. In such a case, the \ndental clinic will bill the insurer direc tly, and the employee need not pay a single \ncent nor file any claim with the insurer.  \n \n4.13 On the other hand, if the insurer does not have a panel of doctors , or the \nemployee decides to use his own dentist, he will have to make the payment to \nthe clinic first, and then file a claim with the insurer  to seek reimbursement in \naccordance with the policy . Normally, the insurer will require the following \ndocuments to be produced:  \n\u25aa completed claim form; and  \n\u25aa original receipts and itemised bills.  \n \n4.14 The insurer requires the employer to submit the se documents within a specific \nperiod  (e.g. 2 1 days from the date of treatment).   \n \n  \n CLAIM  \nFO\n\n7. Other Types of Health Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                 153  \nAPPENDIX  7A \n \nABC Insurance Company (Singapore) Ltd  \n21 Any Street, ABC Centre, Singapore 654321  \nTel: (65) 6789 8181   Fax: (65) 6789 8282  \n \nGROUP DENTAL INSURANCE  \n \n \nSCHEDULE OF ALLOWANCES  \n \n \nBenefits/Procedures    \nNon-Panel   \nPanel  \n  Dentist Claim \nLimit  Dentist Claim \nLimit  \n  S$ S$ \n    \nExamination     \nInitial   15.00  As charged  \n    \nX-Ray    \nIntraoral   12.00  As charged  \nBitewing   12.00  As charged  \nPanorex   32.00  As charged  \n    \nTest & Laboratory     \nBiopsy & examination of tissue   48.00  As charged  \n    \nProphylaxis (cleaning, polishing, scaling and fluoride \ntreatment)     \nRoutine   40.00  As charged  \nComplex   60.00  As charged  \n    \nFluoride Treatment     \nFluoride Application   22.50  As charged  \n    \nFillings (Silver) \u2013 For Posterior Teeth Only     \nAmalgam \u2013 one surface   16.00  As charged  \nAmalgam \u2013 two surfaces   24.00  As charged  \nAmalgam \u2013 three or more surfaces   32.00  As charged  \nReinforced Pin   9.00 As charged  \n    \nFillings (Tooth -Coloured Material) \u2013 For Anterior Teeth Only     \nOne surface   30.00  As charged  \nTwo surfaces   40.00  As charged  \nThree or more surfaces   50.00  As charged  \n    \nGold Inlay Restorations     \nInlay, gold \u2013 one surface   120.00  As charged  \nInlay, gold \u2013 two surfaces   160.00  As charged  \nInlay, gold \u2013 three or more surfaces   200.00  As charged  \n    \nPulpotomy     \nPulpotomy   40.00  As charged  \nPulp cap   20.00  As charged  \n    \nRoot Canal Treatment     \nSingle root canal filling   150.00  As charged  \nDouble root canal filling   220.00  As charged  \nThree or more canals   350.00  As charged  \n    \nExtractions     \nRoutine (simple) \u2013 each tooth   30.00  As charged"}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: d3650087-d251-4b2b-9ded-87e8d16b45eb
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"d3650087-d251-4b2b-9ded-87e8d16b45eb\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"c58622b5-759f-4d5c-ad7a-4145e72bb3d4\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"9ce58563909a68fdc9f66d6f3463c445d8b0c6d29b6a5b03f71b3ab944122527\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"817a31ae-88b4-4692-9a0c-61fa969ac417\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"4cc2060336d6a534188a640932b35427349253c6c6adb9efcc13b89dd310b460\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 626150, \"end_char_idx\": 630232, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Health Insurance   \n154 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] SCHEDULE OF ALLOWANCES  \n \n \nBenefits/Procedures    \nNon-Panel  \nDentist  Claim \nLimit  \nS$  \n       Panel  \n  Dentist  Claim \nLimit  \nS$ \nSurgical Extractions     \nErupted tooth or root   120.00  As charged  \nSoft tissue impaction   160.00  As charged  \nPart bony impaction   250.00  As charged  \nCompletely bony impaction   320.00  As charged  \nOral antral root recovery   144.00  As charged  \nClosure of oral antral fistula   64.00  As charged  \nRemoval of labial frenum   40.00  As charged  \n    \nAlveoplasty     \nPer quadrant, in connection with extractions   30.00  As charged  \nPer quadrant, not in connection with extractions   42.00  As charged  \nComplete alveoplasty involving more than one quadrant   160.00  As charged  \n    \nExcision Of Tumour     \nExcision of tumour   76.00   As charged  \n    \nFracture Of Jaw     \nSimple   500.00  As charged  \nCompound   600.00  As charged  \n    \nRepair Of Prosthetic Appliance     \nRepair of broken complete or partial denture   20.00  As charged  \nRepair denture & replace broken tooth   40.00  As charged  \nAdding tooth to partial denture to replace extracted tooth   27.00  As charged  \nAdding tooth to partial denture plus clasp   54.00  As charged  \n    \nSpace Maintainers     \nFixed band type (uni or bilateral)   135.00  As charged  \nRemoval in acrylic ( uni or bilateral)   67.00  As charged  \n    \nPeriodontal Treatment     \nRoot planning per tooth   24.00  As charged  \nRoot planning per quadrant   72.00  As charged  \n    \nMiscellaneous     \nTooth replantation (of patient\u2019s own natural tooth)   144.00  As charged  \nTooth replantation (of patient\u2019s own natural tooth, metal implant not \ncovered)   144.00  As charged  \n    \n \nNote: No amount is chargeable if the insured employee visits a dentist within the panel \nof approved dentists. For any insured employee who visits a dentist outside of the panel \nof approved dentists, the claim limits are as specified  in th is Schedule of Allowance . \n \n \n \n \n\n\n22\nOTHER TYPES OF HEALTH INSURANCECHAPTER\n07\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nHow a Hospital Cash \n(Income) Insurance policy \nworks?\u2022 Also known as Hospital Income.\n\u2022 Insurance pays a daily cash benefit to the insured if he is hospitalised as a result \nof an injury or illness. \n\u2022 Fixed dollar amount (e.g. S$100) chosen by the insured at the inception of the \npolicy. \n\u2022 Amount has no direct correlation to the actual amount of medical fees incurred. \n\u2022 Total amount paid under this policy may be more or less than the actual \nmedical expenses incurred. \n\u2022 Payment of the benefit is limited to a specified number of days (e.g. 180 days) \nper hospitalisation. Some insurers may impose a lifetime limit on the number of \ndays (e.g. 1,000 days) that a person may claim.\n\u2022 Can be issued as a stand-alone policy or as a rider.\nConditions to be met \nbefore a claim can be \nadmitted under a Hospital \nCash Insurance policy\u2022 Waiting period\n \u00bbFor injury.\n \u00bbFor illness.\n\u2022 Hospital confinement\n \u00bbPer lifetime limit.\n \u00bbExpiry age.\n \u00bbCause. \nFeatures of a Hospital \nCash Insurance policy\u2022 Per day hospitalisation benefit.\n\u2022 A cap to the maximum amount payable on a single life usually expressed as a \nmaximum number of days.\n\u2022 Benefit is a fixed amount throughout the policy term as specified at the \ninception of the policy.\n\u2022 No waiting period if the cause of hospitalisation is due to an injury. A waiting \nperiod is usually imposed from the date of issue or reinstatement of the policy \nif the cause of hospitalisation is due to an illness.\n\u2022 Benefit payment is not affected by the payments from other Health Insurance \npolicies, plans or schemes (including Medishield Life, Integrated Shield Plan and \nany Group Hospital & Surgical Insurance Scheme), i.e. it is paid on top of the \nbenefits received from all other medical insurance covers.\n\u2022 Cover expires at a specified age (e.g. 65, 70 or 75 years).\n\u2022 Premiums may be level or increased once the insured reaches a higher age-\nband.\n\u2022 Yearly renewable."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 817a31ae-88b4-4692-9a0c-61fa969ac417
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"817a31ae-88b4-4692-9a0c-61fa969ac417\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"d3650087-d251-4b2b-9ded-87e8d16b45eb\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"f0874461cba4728b96da4d4b7dbf4f20405b55541e11066ede90d491413b0b5b\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"830b69e3-8473-4c91-b5d4-f7389dc30643\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"21be95893525d2e0a66d15d00f3e87e59806bab0bf67d62e39f24ddac704dd4f\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 630069, \"end_char_idx\": 632998, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "\u2022 Cover expires at a specified age (e.g. 65, 70 or 75 years).\n\u2022 Premiums may be level or increased once the insured reaches a higher age-\nband.\n\u2022 Yearly renewable.\n\u2022 Usually provides 24-hour, worldwide coverage, although some insurers limit the \ncover to certain geographical areas. \n\u2022 Usually has no cash value.  \n\u2022 No assignment of the policy is allowed.\n\u2022 For a policy that is in force for a consecutive period of insurance and free of any \nclaim, a premium discount is usually given at renewal. This is usually called a \n\u201dNo Claim Discount\u201d. A certain percentage (e.g. 25%) will be deducted from the \nnext renewal premium, subject to conditions as imposed by the insurer.\n\n23\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nTypes of a Hospital Cash \nInsurance policy\u2022 Stand-alone Hospital Cash Insurance\n\u2022 Hospital Cash Insurance Riders\nCommon exclusions under \na Hospital Cash Insurance \npolicy/rider\u2022 Pre-existing medical condition that the insured knew existed or has received \ntreatment and/or medical advice;\n\u2022 Pre-existing physical defect or infirmity, unless declared to and accepted by the \ninsurer;\n\u2022 Self-inflicted injuries or suicide, while sane or insane;\n\u2022 Human immunodeficiency virus (HIV) or any HIV related illness, including \nAcquired Immune Deficiency Syndrome (AIDS) or any illness arising from it;\n\u2022 Sexually transmitted disease;\n\u2022 Mental/nervous disorder, drug addiction, intoxication, alcoholism, obesity, \nweight reduction/improvement, bulimia, anorexia nervosa, preventive \ntreatment, such as vaccination or acupuncture;\n\u2022 Illegal or unlawful act of the insured;\n\u2022 Pregnancy, miscarriage, childbirth, abortion, birth control or infertility;\n\u2022 Routine physical or any other medical examination not relating to any health \nimpairment;\n\u2022 Cosmetic or plastic surgery, circumcision, congenital condition, dental work or \nmyopic treatment;\n\u2022 War and related operations;\n\u2022 Nuclear weapons material, ionising or radiation;\n\u2022 Strike, riot and civil commotion; and\n\u2022 Participation in hazardous sports like skiing or sky-diving, aerial activities other \nthan air travel as a fare-paying passenger of a licensed aircraft, driving or riding \nin any kind of race, motor-cycling or pillion riding.\nCircumstances under \nwhich a Hospital Cash \nInsurance policy/rider will \nbe terminated.\u2022 Premium is not paid at the end of the grace period;\n\u2022 Insured reaches the expiry age as stated in the policy;\n\u2022 Per lifetime limit is reached;\n\u2022 Basic policy lapses or matures; or\n\u2022 Insured dies\nDocuments that need to \nbe submitted in the event \nof a claim under a Hospital \nCash Insurance policy\u2022 Claim form.\n\u2022 Hospital discharge summary and bills.\nNote that the insurer reserves the right to call for additional documentary evidence.\nCommon medical benefits \nprovided by a Travel \nInsurance policy\u2022 Medical expenses and other related benefits;\n\u2022 Hospital confinement allowance; \n\u2022 Emergency medical evacuation; and\n\u2022 Repatriation."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 830b69e3-8473-4c91-b5d4-f7389dc30643
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"830b69e3-8473-4c91-b5d4-f7389dc30643\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"817a31ae-88b4-4692-9a0c-61fa969ac417\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"4cc2060336d6a534188a640932b35427349253c6c6adb9efcc13b89dd310b460\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"d44442fd-d27b-4d18-a6d3-520071eed0cb\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"5c5103af8feeb855e353f7fe0bd89839fc4986a9fd690fbcfe49c24e96ee4d62\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 632802, \"end_char_idx\": 637649, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Common medical benefits \nprovided by a Travel \nInsurance policy\u2022 Medical expenses and other related benefits;\n\u2022 Hospital confinement allowance; \n\u2022 Emergency medical evacuation; and\n\u2022 Repatriation.\n\n\n24\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nCommon exclusions for \nthe medical expense \nbenefits under a typical \nTravel Insurance policy\u2022 War, invasion, act of foreign enemy, hostilities or warlike operations (whether \nwar be declared or not), civil war, mutiny, rebellion, revolution, insurrection or \nmilitary or usurped power;\n\u2022 Ionising radiation or contamination by radioactivity from any nuclear fuel or \nfrom any nuclear waste from the combustion of nuclear fuel;\n\u2022 Participation in civil defence, police, military, naval or air force service or \noperation, or national service in accordance with the Enlistment Act 1970;\n\u2022 Self-inflicted injury, suicide or attempted suicide, while sane or insane, mental \nor physical defect or infirmity, insanity or nervous disorder, intoxication or use \nof non-prescription drugs;\n\u2022 Routine health check-up, or cosmetic (aesthetic) or plastic surgery;\n\u2022 Sexually transmitted disease, AIDS and HIV conditions or AIDS related \ninfections;\n\u2022 Pregnancy or childbirth or any sickness associated with pregnancy or childbirth;\n\u2022 Any pre-existing condition (except for some policies, subject to Section 4.5 \nabove) for which the insured person received medical treatment, diagnosis, \nconsultation or prescribed drugs within the 12 (or six) months\u2019 period before \nthe commencement date of the policy period of insurance;\n\u2022 Driving or riding in any kind of race, engaging in any professional sport, ice \nor winter sport, mountaineering requiring the use of guides and ropes, or \nunderwater activity involving the use of underwater breathing apparatus;\n\u2022 Aerial activity other than air travel as a fare-paying passenger in a licensed \npassenger-carrying aircraft;\n\u2022 Direct participation in criminal, unlawful or terrorist act, or strike, riot or civil \ncommotion;\n\u2022 Any event including strike, riot, civil commotion, health threatening situation, \nnatural disaster published by the mass media or through advisory of the \nauthority, unless the policy already issued or the trip already commenced \nbefore the date of publication or advisory; or\n\u2022 Travel booked or undertaken against medical advice, or for the purpose of \nobtaining or seeking any medical care or treatment abroad.\nNote that the exclusions, restrictions and limitations vary from insurer to insurer.\nHow the benefits are \npaid under Group Dental \nInsurance?\u2022 Based on a Schedule of Allowances\n \u00bbOne of the ways in which the insurer reimburses the insured for dental \nexpenses incurred.\n\u2022 Basis of reimbursement is based on the limits as specified in the Schedule of \nAllowances.\nLimits to the benefits \nthat one is entitled to \nclaim under Group Dental \nInsurance.\u2022 Some insurers set an overall limit (e.g. S$200) that each insured employee may \nclaim during each policy year.\nCommon exclusions under \na Group Dental Insurance \npolicy\u2022 Dental procedures that are not specified in the Schedule of Allowances;\n\u2022 Hospital charges;\n\u2022 Injuries arising directly or indirectly from war (declared or undeclared), \nrevolution, or any warlike operation;\n\u2022 Medicine given;\n\u2022 Treatment which is purely cosmetic in nature;\n\u2022 Treatment resulting from self-inflicted injury, while sane or insane; and\n\u2022 Replacement of broken, lost or stolen dentures.\nNote that it may vary from insurer to insurer.\nHow the limitation \nclause of a Group Dental \nInsurance policy works?Reimbursements under their policies will be reduced by benefits claimable under:\n\u2022 Work Injury Compensation Insurance policy;\n\u2022 Any government or public programme of dental or medical benefits; or\n\u2022 Any other group or individual Health or Dental Care Insurance policy.\n\n25\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nCircumstances under \nwhich a Group Dental \nInsurance policy will be \nterminated\u2022 Date of termination of the insured employee\u2019s active full-time employment with \nthe policy owner (employer);\n\u2022 Date of termination of the policy;\n\u2022 Date of expiration of the period for which the last premium payment is made in \nrespect of the insured employee\u2019s cover;\n\u2022 Date on which the insured employee enters full-time military, naval, air or police \nservice, except during peacetime National Service reservist duty or training in \naccordance with the Enlistment Act 1970; or\n\u2022 Date of expiration of the period within which the insured employee reaches a \nspecified age (e.g. 65 years).\nEarliest of the above dates.\nClaim procedures for \na Group Dental Care \nInsurance claimFor any insurer that has a panel of dentists:\n\u2022 Insurer will issue a membership card or certificate to every individual insured \nemployee who will need to produce it, whenever he visits the dental clinic for \ntreatment."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: d44442fd-d27b-4d18-a6d3-520071eed0cb
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"d44442fd-d27b-4d18-a6d3-520071eed0cb\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"830b69e3-8473-4c91-b5d4-f7389dc30643\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"21be95893525d2e0a66d15d00f3e87e59806bab0bf67d62e39f24ddac704dd4f\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"8912baec-bd5f-421a-b476-b3b1bf7748b5\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"130a69b75124c7cda3dd6296d9002e11b02f6a730c18de5e1e659e2f9c6fdec6\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 637650, \"end_char_idx\": 643205, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "\u2022 Dental clinic will bill the insurer directly, and the employee need not pay a single \ncent nor file any claim with the insurer.\nIf the insurer does not have a panel of doctors or the employee decides to use his \nown dentist:\n\u2022 Make the payment to the clinic first, and then file a claim with the insurer to \nseek reimbursement in accordance with the policy.\nInsurer requires the employer to submit these documents within a specific period \n(e.g. 21 days from the date of treatment)\nTypes of documents that \nneed to be submitted \nfor a Group Dental Care \nInsurance claim\u2022 Completed claim form; and \n\u2022 Original receipts and itemised bills.\n\n\n8. Manage d Healthcare  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   155  \n \n      CHAPTER 8  \nMANAGED HEALTHCARE  \n \n \n \nCHAPTER OUTLINE  \n \n1. Introduction  \n2. What Is Managed Healthcare (MHC)?  \n3. How Does MHC Work?  \n4. What Are The Common Types Of MHC Plans?  \n5. Choice Of Providers Versus Cost Control  \n6. Managed Healthcare (MHC) Insurance  \n7. MHC Model In Singapore  \n \n \nLEARNING OUTCOMES  \n \nAfter studying  this chapter, you should be able to:  \n\u25aa know  what MHC is \n\u25aa describe how MHC works  \n\u25aa list the four common payment methods used by  Managed \nHealthcare Organisations ( MHCOs ) and understand how they work:  \n- capitation  \n- discounted -fee-for-service  \n- salary  \n- fee schedule  \n\u25aa list the three common types of MHC plans and describe how each of them work s  \n\u25aa describe how the four basic types of Health Maintenance Organisations (HMOs) differ \nfrom each other:  \n- Staff Model HMO  \n- Group  Model HMO  \n- Network Model HMO  \n- Independent Practitioners Association (IPA) HMO  \n\u25aa rank in ascending or descending order the degree of control the Insurers/ MHOs have \nover cost and the choice of providers  \n\u25aa list some of the ben efits provided under a MH C Insurance policy  \n\u25aa know the elements of co -insurance and deductible for MHC Insurance  \n\u25aa list the common exclusions under a typical M HC Insurance policy  \n\u25aa know the underwriting requirements for MHC Insurance  \n\u25aa state the procedure s for claims  under a MHC Insurance policy  \n\u25aa have a view of the MHC scheme available locally  \n \n\nHealth Insurance   \n156 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Contents  \nCHAPTER OUTLINE  ................................ ................................ ................................ .........  155 \nLEARNING OUTCOMES  ................................ ................................ ................................ .. 155 \n1. INTRODUCTION  ................................ ................................ ................................ ....... 157 \n2. WHAT IS MANAGED HEALTHCARE (MHC)?  ................................ ..........................  157 \n3. HOW DOES MHC WORK?  ................................ ................................ ........................  157 \nA. Accessibility  ................................ ................................ ................................ ....... 157 \nB. Cost  ................................ ................................ ................................ ....................  158 \nC. Quality Of Care  ................................ ................................ ................................ .. 159 \n4. WHAT ARE THE COMMON TYPES OF MHC PLANS?  ................................ ............  159 \nA. Health Maintenance Organisation (HMO)  ................................ ........................  159 \nA1. Staff Model HMO  ................................ ................................ .......................  160 \nA2. Group Model HMO  ................................ ................................ ....................  160 \nA3. Network Model HMO  ................................ ................................ .................  161 \nA4. Independent Practitioners Association (IPA) Model HMO  .......................  162 \nA5. Mixed Model HMOs  ................................ ................................ ...................  162 \nB. Preferred Provider Organisations (PPOs)  ................................ ........................  162 \nC. Point -of-Service (POS) Plan  ................................ ................................ ..............  163 \n5. CHOICE OF PROVIDERS VERSUS COST CONTROL  ................................ ...............  163 \n6. MANAGED HEALTHCARE (MHC) INSURANCE  ................................ ......................  164 \nA. Benefits Offered  ................................ ................................ ................................  164 \nB. Elements Of Co -insurance & Deductible ................................ ..........................  164 \nC. Exclusions  ................................ ................................ ................................ ..........  164 \nD. Underwriting  ................................ ................................ ................................ ..... 165 \nE. Claims  ................................ ................................ ................................ ................  165 \n7. MHC MODEL IN SINGAPORE  ................................ ................................ ..................  166 \n \n\n\n8. Manage d Healthcare  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   157  \n1. INTRODUCTION  \n \n1.1 Managed Healthcare (MHC) schemes have evolved in the market as a response \nto increasing medical costs."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 8912baec-bd5f-421a-b476-b3b1bf7748b5
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"8912baec-bd5f-421a-b476-b3b1bf7748b5\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"d44442fd-d27b-4d18-a6d3-520071eed0cb\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"5c5103af8feeb855e353f7fe0bd89839fc4986a9fd690fbcfe49c24e96ee4d62\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"a403c47a-146d-43da-aa03-fc56179224a9\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"63f5ea5616d4b6a95b1cc730cf35dc5e3d0d7c3fefe84646f63de35b3ecd852a\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 643035, \"end_char_idx\": 647357, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "4]                                   157  \n1. INTRODUCTION  \n \n1.1 Managed Healthcare (MHC) schemes have evolved in the market as a response \nto increasing medical costs. MHC plans are usually managed or run by insurers \nas insurance -backed plans. Locally, only group MHC insurance is available.  \nSuch policies are  often  purch ased by employers as part of their Employee \nBenefit package , and as an alternative to traditional Group Health Insurance \nplans. In this chapter, we will first look at the concept and various models of \nMHC , before we discuss briefly the MHC insurance  covers  that are available in \nthe market.  \n \n \n2. WHAT IS MANAGED HEALTHCARE  (MHC) ? \n \n2.1 MHC refers to an overall strategy for containing medical care costs , while \nassuring that people receive appropriate medical care.  It will pay for most of the \nmedical bills , when an individual  sees a General Practitioner (GP) , specialist or \nreceive s treatment in  a hospital.  Such strategies make use of a number of MHC \ntechni ques related to how medical care is accessed, provided and paid for.  \n \n \n3. HOW DOES MHC WORK?  \n \n3.1 MHC providers set up a healthcare network to manage the accessibility, cost  \nand quality of care of its members. They negotiate and contract with doctors, \nhospitals, clinics, and other health care providers , such as pharmacies, \nlaboratories, X-ray centr es, and medical equipment vendors , in exchange for \nmore patients directed to th em. \n \n3.2 MHC works  through carefully managing the following three components , in \norder to contain and control healthcare expenditure:  \n\u25aa accessibility ; \n\u25aa cost; and  \n\u25aa quality of care . \n \nA. Accessibility  \n \n3.3 In a MHC  plan, members are referred to a carefully selected network of \nhealthcare providers. In some MHC plans, a member  may be required to receive \nall his healthcare services from a  particular provider within the network.  This \ndoctor will be his Primary Care Phys ician (PCP).  In other managed care plans, \nhe may be able to receive care from providers who are not part of the network,  \nbut will have to pay a larger share of the cost to receive those services.  \n \n3.4 As the emphasis of MHC is on primary and preventive care  to avoid serious \nhealth problems , PCPs are the backbone of many MHC plans. PCPs are valued \nbecause of their ability to diagnose and treat a broad range of medical \nconditions. Additionally, as they are familiar with the health conditions and  \ncircumstances of their patients, PCPs are often better able to ascertain the type \nof specialty care  that member s may need.  \n \n \n \n \n   Accessibility  \nQuality \nof Care  Cost  \n\nHealth Insurance   \n158 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] 3.5 PCP is usually a general practitioner who serves as the member\u2019s \u201cpersonal \nphysician\u201d  and acts as the first contact with the MHC. If additional care is \nneeded, the PCP will refer the member to a specialist within the network. Under \nmost MHC plans, a member must obtain a referral from the PCP before seeing \na specialist. As such, PCPs are often called \u201cgatekeepers\u201d. As gatekeepers, PCPs \nco-ordinate and manage all aspects of the members\u2019 care. Members are \nallowed to change their PCPs.   \n \nB. Cost  \n \n3.6 A Managed  Healthcare Organisation (MHCO) uses various  methods to control \nincreasing medical care costs . One of which is negotiated provider fees.  \n \n3.7 By limiting  the number of physicians or hospitals in a provider network, the \nMHCO can negotiate the physicians\u2019 or hospitals\u2019 fees  and reduce the cost for \nproviding medical services to its members. The MHCO is able to achieve this , \nbecause physicians, hospitals and o ther medical service providers are generally \nwilling to reduce their fees , in exchange for the increase in patient volume that \na MHC network can provide them.  \n \n3.8 The four common payment  methods used by MHCO are as follows:  \n\u25aa capitation;  \n\u25aa discounted -fee-for-service;  \n\u25aa salary; and  \n\u25aa fee schedule.  \n \n(a) Capitation  \nUnder this method, the MHCO pre -pays its providers a fixed amount for \neach member\u2019s medical care usually on a monthly basis. The provider is \npaid the same amount each month , regardless of how often the member \nreceives medical attention or the cost of that medical attention."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: a403c47a-146d-43da-aa03-fc56179224a9
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"a403c47a-146d-43da-aa03-fc56179224a9\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"8912baec-bd5f-421a-b476-b3b1bf7748b5\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"130a69b75124c7cda3dd6296d9002e11b02f6a730c18de5e1e659e2f9c6fdec6\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"68ea72d8-f4e4-4ef2-8fc6-2e0340699c25\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6e3b9ac77faa372968f0112d85f7152aea01b3d6269f98ecbff89828d514c73e\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 647205, \"end_char_idx\": 651486, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "The provider is \npaid the same amount each month , regardless of how often the member \nreceives medical attention or the cost of that medical attention. The fixed \nfee may not be the same for al l the MHCO members.  \n \n(b) Discounted -Fee-For-Service  \nMHCO pays its physicians a certain percentage of their normal fees  (e.g. \n90% of the normal fee ), thereby achieving a discount of 10% on the \nphysician s\u2019 fees.  \n \n(c) Salary  \nThis method is used in the Staff Model HMO ( Health Maintenance \nOrganisation ). Under this method, the HMO compensate s the physicians \nwith a fixed salary. These salaries are based on the average earnings of \nlocal physicians in the same field or specialty. The HMO also pay s the \nphysicians performance -based bonuses or gives incentive pay ments . \n \n(d) Fee Schedule  \nUnder this method, the MHCO place s caps or limits on the dollar amounts \nthat will be reimbursed for covered medical procedures and services . \nWhen using this fee schedule payment structure, the MHCO will pay no \n\n\n8. Manage d Healthcare  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   159  \nmore than the specified maximum fee allowed for each procedure. As this \nfee structure will result in a smaller reimbursement of fees for physicians \nwho charge higher -than -average fees, it may encourage the provision of \nunnecessary medical services  (e.g. physicians asking patients to go for \nmore tests than necessary  or return for follow -up checks ). \n \n3.9 Other methods used by the MHCO to control medical care costs include \nUtilisation Management and risk sharing agreements.  \n \nC. Quality Of Care  \n \n3.10 To ensure that the quality of care is not compromised with the cost -containment \neffort, members can be assured that the MHCO contract s with only those \nhealthcare providers that possess the requisite skills, training and licen ces to \nprovide the necessary se rvices to them . These providers must provide the \nmedically necessary services under prevailing professional standards of care. \nThe MHCO also develop s quality assurance programmes usually in co -\noperation with the providers to guarantee availability, accessibility and \ncontinuity of care to its members. In fact, the MHCO  is just as much concerned \nabout the quality of care delivered , as cost control for a good reputation is what \nattracts new members and keeps existing members.  \n \n \n4. WHAT ARE THE COMMON TYPES OF MHC PLANS?   \n \n4.1 The three common types are:  \n\u25aa Health Maintenance Organi sation (HMO);  \n\u25aa Preferred Provider Organi sation (PPO); and \n\u25aa Point -of-Service (POS) plan.  \n \n4.2 Let us look at each of them in turn.  \n \nA. Health Maintenance Organisation (HMO)  \n \n4.3 A member  enrolled in a  Health Maintenance Organi sation  (HMO) will need to \nreceive most or all of his health care from a network provider. HMOs re quire \nthat the member choose s a primary care physician  (PCP who is most often a \nfamily doctor, or paediatrician for children) who is responsible for managing \nand coordinating all of his health care.  \n \n4.4 If the member needs care from a physician specialist in the network or a \ndiagnostic service such as a lab oratory  test or X-ray, the PCP will have to \nprovide a referral. If the member  does not have a referral or choose s to go to a \ndoctor outside of his health plan\u2019s network, he will most likely have to pay all \nor most of the cost s for that care , unless it was pre-authorised by the HMO, or \ndeemed as an emergency.   \n \n4.5 The HMO is the most restrictive type of health plan , because the member has \nthe least choice in selecting his healthcare provider.   \n \n\n\nHealth Insurance   \n160 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] 4.6 There  are four basic types of HMO as follows:  \n\u25aa Staff Model HMO;  \n\u25aa Group Model HMO;  \n\u25aa Network Model HMO; and  \n\u25aa Independent Practitioners Association (IPA) Model HMO.  \n  \nA1. Staff Model HMO  \n \n4.7 In a Staff Model  HMO , the HMO employs the healthcare providers who usually \nwork together in a centre. The doctors  treat only  patients who are  members  of \nthe HMO . The usual way to provide specialist care is to refer their patients to \ncertain contracted specialist s."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 68ea72d8-f4e4-4ef2-8fc6-2e0340699c25
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"68ea72d8-f4e4-4ef2-8fc6-2e0340699c25\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"a403c47a-146d-43da-aa03-fc56179224a9\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"63f5ea5616d4b6a95b1cc730cf35dc5e3d0d7c3fefe84646f63de35b3ecd852a\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"7f68f2ec-e8e9-4c31-bf36-22ddd35291e5\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"e1b913ec7550e57e6e9cc1f32384f5a3700eecc5c45e50b06d29d53a32a1ff2e\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 651316, \"end_char_idx\": 655480, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "The doctors  treat only  patients who are  members  of \nthe HMO . The usual way to provide specialist care is to refer their patients to \ncertain contracted specialist s.  \n \n4.8 A Staff Model HMO can be very effective at managing costs , as it has control \nover the physicians whom it employ s. The treatment provided or recommended \nby the physicians can be monitored very closely for adherence to the HMO\u2019s \nguidelines. Moreover, as the physicians are paid regular salar ies, regardless of \nthe number of services that they provide, the y have no financial incentive to \nover -treat the patients.  \n \n4.9 Figure 8.1 is an illustration  of the Staff Model HMO.  \n \nFigure 8.1: Staff Model HMO  \n \n \n \n \n \n \n \n \n \n \nA2. Group  Model HMO  \n \n4.10 In a Group Model HMO , the doctors and healthcare providers are not hired \ndirectly. It contracts with a large group medical practice to provide medical care \nservices to its members  and pays the group  in bulk. The physicians decide \nwithin the group how the money is distributed.  \n \n4.11 The group  practice in turn is responsible for:  \n\u25aa obtaining the physicians necessary to provide the contracted services;  \n\u25aa compensating its physicians;  \n\u25aa providing facilities in which its physicians will perform the contracted \nservices; and  \n\u25aa arranging to provide hospital services.  \n \n \n \n         HMO  \n \n \nPHYSICIANS  EMPLOYS  OWNS OR \nCONTRACTS \nWITH  \n \n\n8. Manage d Healthcare  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   161  \n4.12 As with the Staff Model HMO , the physicians only see patients that signed up \nfor the HMO that contracted them  and has the same effectiveness at managing \ncost. \n \n4.13 Figure 8.2 is a graphical  illustration of the organisation of the Group Model \nHMO.  \nFigure 8.2: Group Model HMO  \n \n \n \n \n \n \n \nA3. Network Model HMO  \n \n4.14 The Network Model HMO is similar to the Group Model HMO in that it contract s \nfor medical care services , instead of employing the physicians. Instead of \ncontracting with one or just a few large multi -speciality group practices, it \ncontracts with a relatively large number of group practices, some of which may \nhave a single speciality. Some Network Model HMOs may even contract with \nindividual physicians , so that they can offer a comprehen sive range of medical \ncare services to their members. The Network Model HMO also arranges for the \nprovision of hospital services to its members.  \n \n4.15 Figure 8.3 is a graphical  illustration of the organisation of the Network Model \nHMO . \nFigure 8.3: Network Model HMO  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n   \nHMO  \n \n    GROUP PRACTICE  \n \n \n \nPHYSICIANS  EMPLOYS  \n CONTRACTS \nWITH  ARRANGES \nFOR \n \n \n \n \n \nGROUP  \nPRACTICE  \n \nPHYSICIANS  \n \n \nGROUP  \nPRACTICE  \n \nPHYSICIANS  \n     HMO  \n\nHealth Insurance   \n162 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] 4.16 Physicians  operate out of their own offices or the facilities provided to them by \ntheir group practice. The Network Model HMO physicians do no t necessarily \nobtain all their patients from a particular HMO. Some network physicians may \ncontract to provide services to more than one HMO. They may also belong to \none o r more PPO networks  or may treat other walk -in private patients . For this \nreason , and because the HMO arranges for hospital services , rather than the \nphysicians, the Network Model HMO do es not have as tight a control over \nUtilisation Management1 as the two models discussed earlier.  \n \nA4. Independent Practitioners Association (IPA) Model HMO  \n \n4.17 Here , the HMO contracts an independent practice association that works \nsimilarly to a multi -speciality phys ician group practice, except it s members are \nallowed to treat non -HMO patients. Under this model, the primary care \nphysicians are allowed to refer employees to medical services outside the \nnetwork . However, the HMO m ight not provide as much coverage as it would \nfor the employee s who had stayed within the network.  \n \nA5. Mixed Model HMOs  \n \n4.18 The four HMO models as described so far are the traditional HMOs."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 7f68f2ec-e8e9-4c31-bf36-22ddd35291e5
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"7f68f2ec-e8e9-4c31-bf36-22ddd35291e5\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"68ea72d8-f4e4-4ef2-8fc6-2e0340699c25\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6e3b9ac77faa372968f0112d85f7152aea01b3d6269f98ecbff89828d514c73e\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"b1e26070-6160-4496-9184-4a0eb9210c1d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"1a00b6e224d90b9a7eed45977438a329607c9fa75a09c060c9f7e8127e3d5dfa\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 655385, \"end_char_idx\": 659561, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "A5. Mixed Model HMOs  \n \n4.18 The four HMO models as described so far are the traditional HMOs. An \nincreasing number of HMOs are now operating as mixed -model plans, which \nmeans that the organisation of the plan is a combination of two or more of the \nfour types of plans which we have already discussed.  \n \n4.19 For example, a plan may have been established as a Staff Model HMO , but at a \nlater time, it may decide to expand its capacity by adding physicians under an \nIPA arrangement. Mixed  Model HMOs are common nowadays , because they \noffer broader consumer choice of phy sicians and clinical settings.  \n \nB. Preferred Provider Organisations (PPOs)  \n \n4.20 A Preferred  Provider Organisation  (PPO) has negotiated contracts with a \nnetwork of preferred providers from which a member  can choose. A member  \ndoes not need to select a PCP and do es not need referrals to see other providers \nin the network.  However, to encourage the use of network providers and/or get \na referral for a specialist, PPO offers \u201cricher\u201d benefits to members as financial \nincentives. These i nclude lower or no deductible, lower or no co -payment , and \nhigher benefits. For example, if a member sees a network provider, he will not \nneed to pay for the medical cost. However, if he sees a non -network provider, \nhe may have to pay as much as 50% of the  total bill.  \n \n4.21 PPOs  are less restrictive than HMOs in the choice of healthcare provider s. \nHowever, they tend to require greater \"out -of-pocket\" payments from the \nmembers.  \n \n  \n \n1  Utilisation Management is a programme designed to manage the use of medical services to ensure that \na patient receives necessary, appropriate and high -quality care in a cost -effective  manner.  \n\n8. Manage d Healthcare  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   163  \nC. Point -of-Service (POS)  Plan  \n \n4.22 A POS plan is a combination of a HMO and a PPO. Typically, a POS plan ha s a \ncontracted provider network that functions like a HMO. A POS plan encourage s, \nbut do es not require, a member to choose a PCP. A POS plan also allow s a \nmember  to use a provider who is not in the network. However, if he choose s to \ngo out  of the network for his care, he will pay higher co -payments and/or \ndeductibles than any member who use s a PCP.  \n \n4.23 The plan  is known as point -of-service, because each time a member  need s \nhealthcare  service  (the time or \u201cpoint\u201d of service), he can decide to stay in the \nnetwork to allow his PCP to manage his care service,  or to go outside the \nnetwork on his own, without a referral from his PCP.  \n \n \n5. CHOICE OF PROVIDERS VERSUS COST CONTRO L  \n \n5.1 As mentioned, MHCOs help to contain the cost of healthcare by managing the \naccess to providers, cost of providing healthcare , as well as the quality of care. \nFigure 8.4 illustrates the relationship between the degree of control over the \ncost and access , and their effects on the purchaser.  \n \n \nFigure 8.4: Degree Of Choice Of Providers Versus Degree Of Cost Control  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n5.2 Note from Figure 8.4 that the Staff Model HMO has the greatest cost control , \nbut its members have the lowest degree of choice of providers. The cost saved \nis passed on to the purchasers who are charged a lower price for participating \nin the plan. At the other extreme, there i s no control over the access to \nhealthcare providers under a traditional Medical Expense Insurance , and no \ncost control too. As a result, the premium for a traditional Medical Expense \nInsurance policy is higher  as compared to the MHC plan.  \n \n \nHigh  \nLow \nDegree Of Choice of Providers  \nHigh  \nCost Control  \nStaff Model HMO  \nGroup Model HMO  \nNetwork Model HMO  \nIPA Model  HMO  \nPPO \nTraditional Medical Expense Insurance  \nPOS \n\nHealth Insurance   \n164 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] 5.3 At present, no  MHC plan can offer high level of benefits, unlimited access to \nproviders and low cost , all at the same time. The best  that any plan can expect \nto accomplish is two of the three features."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: b1e26070-6160-4496-9184-4a0eb9210c1d
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"b1e26070-6160-4496-9184-4a0eb9210c1d\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"7f68f2ec-e8e9-4c31-bf36-22ddd35291e5\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"e1b913ec7550e57e6e9cc1f32384f5a3700eecc5c45e50b06d29d53a32a1ff2e\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"f5e1fd92-9a00-4c5d-891e-ba361532ad53\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"8936971caeae791af7c79c26671c3a6829386d8954a195329af247def77e89f1\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 659482, \"end_char_idx\": 663826, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "The best  that any plan can expect \nto accomplish is two of the three features. Some plans will focus on costs and \naccess, while others will focus o n benefits and costs , or access and benefits.  \n \n6. MANAGED HEALTHCARE (MHC) INSURANCE  \n \n6.1 Having seen how the different types of MHC plans  work, let us look \nat how a typical  insurer\u2019s  MHC insurance policy in Singapore works.  \n \nA. Benefits Offered  \n \n6.2 For fixed annual premium s, insurers offering MHC plans may provide their \npolicy owners with some or all of the coverage  as described below :  \n\u25aa Primary Care  \u2013 provided by a wide network of genera l physicians in clinics \nall over Singapore. It includes consultation, medication, procedures and tests \ndeemed medically necessary.  \n\u25aa Specialist Care  - provided by a wide network of specialists from different \nmedical specialties. It includes consultation, medication, tests and surgery \nupon referral from a  PCP.  \n\u25aa Hospital Care  \u2013 provided for confinement in private, public or community \nhospitals. Reimburs ement for the hospital and surgical expenses will be \nsubject to limits under  the insured plan.  \n\u25aa Emergency Care  \u2013 provides 24 -hour cover for accident and emergency.  \n\u25aa Preventive Care  \u2212 provides educational programmes , such as talks, seminars \nand workshops on n utritional counselling, etc., designed to keep members \nfree from diseases.  \n \n6.3 The benefits  offered by the MHCOs may differ , as some may provide only \noutpatient care , while others may provide the full spectrum of benefits. These \nbenefits can also be extended to dependants. As you will see in  later chapter of \nthis Study Guide , CPF members may use their Medisave to purchase MHC plans \nwhich are approved by the CPF Board.  \n \n6.4 Like other Health Insurance policies, there is a minimum , as well as a m aximum \nentry age for MHC plans , but it usually varies among  insurers.  \n \nB. Elements Of C o-insurance & Deductible  \n \n6.5 Like other types of traditional Health Insurance, the elements of co -insurance \nand deductible may be found in MHC Insurance.  \n \nC. Exclusions  \n \n6.6 The common exclusions under a MHC Insurance policy include:   \n\u25aa pre-existing conditions;  \n\u25aa congenital anomaly , hereditary condition and disorder;  \n\u25aa mental illness and personality disorder;  \n\n\n8. Manage d Healthcare  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   165  \n\u25aa infertility, sub -fertility, assisted conception treatment;  \n\u25aa treatment of sexually transmitted disease;  \n\u25aa Acquired lmmun e Deficiency Syndrome (AIDS), AIDS related complex or \ninfection by human immunodeficiency virus (HIV);  \n\u25aa self-inflicted injuries;  \n\u25aa drug addiction or alcoholism;  \n\u25aa purchase of eyewear or related eye care item s; \n\u25aa purchase of kidney dialysis machine, iron -lung, prosthesis and other special \nappliances;  \n\u25aa private nursing charges;  \n\u25aa injuries arising from direct participation in strike, riot or civil commotion;  \n\u25aa injuries arising directly or indirectly from nuclear fallout, w ar (whether \ndeclared or not declared) and related risks;  \n\u25aa childbirth and abortion or routine ante -natal and post -natal visits;  \n\u25aa cosmetic surgery ( except for treatment necessitated by an accident);  \n\u25aa general exclusions imposed on  Medical Expense Insurance polic ies are also \napplicable to MHC I nsurance plans ; \n\u25aa optional items which are outside the scope of treatment;  and \n\u25aa reimbursements for Work Injury Compensation Insurance and other forms \nof insurance coverage.  \n \n6.7 Note that the exclusions vary from insurer to insurer. Hence, you need to find \nout what the exclusions of your insurer  are and highlight them to your clients.  \n \nD. Underwriting  \n \n6.8 The underwriting requirements for MHC are discussed in  later chapter of thi s \nStudy Guide . They are similar to those for Medical Expense Insurance cover.  \n \nE. Claims  \n \n6.9 The procedure  for MHC  claims  is mainly between the MHCO and the providers. \nMembers who use the in -network care are not required to file any claims with \nthe insurer. It is only those who use out -of-network providers will need to file \nclaims with the MHCO. The relevant supporting docum ents to be submitted for \nsuch a case include:  \n\u25aa the claimant\u2019s statement; and  \n\u25aa original itemised medical bill."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: f5e1fd92-9a00-4c5d-891e-ba361532ad53
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"f5e1fd92-9a00-4c5d-891e-ba361532ad53\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"b1e26070-6160-4496-9184-4a0eb9210c1d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"1a00b6e224d90b9a7eed45977438a329607c9fa75a09c060c9f7e8127e3d5dfa\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"ce3250f2-5693-4d0d-8131-7745c7e181b8\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6c579d56f5bce7a8ba06d8fd75a0f1398b4541ec76f5a2103b23e72fc46ced03\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 663680, \"end_char_idx\": 668135, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "The relevant supporting docum ents to be submitted for \nsuch a case include:  \n\u25aa the claimant\u2019s statement; and  \n\u25aa original itemised medical bill.  \n \n \n  \n\nHealth Insurance   \n166 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] 7. MHC MODEL IN SINGAPORE  \n \n7.1 The MHC arrangements described above are not common in Singapore. \nLocally, e mployer s either engage MHCO or insurance company to offer \ncashless medical services to employees. Such services include cashless \noutpatient general practitioner  (GP) and specialist con sultation visits. To ensure \nthe specialist cost is covered, employee needs to obtain a GP\u2019s referral to see a \nspecialist. The GP acts as a gatekeeper to minimise unnecessary specialist visit.  \n \n7.2 Employees have to go to the selected panel to enjoy cashless f acilities  and the \ncost and quality of care are managed by MHCO or the insurer. If an employee \nchoose s to visit a non-panel  clinic , the cost  is either not covered  or parti ally \ncovered subject to co -payments and/or benefit limits.  \n \n7.3 If the arrangement is u nder an insured scheme, insurer will also provide an \nadded hospitalisation cover  (Group Hospital & Surgical)  which may be cashless \nwith the provision of letter of guarantee to the hospital.  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n\n26\nMANAGED HEALTHCARECHAPTER\n08\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nManaged Healthcare \n(MHC)MHC refers to an overall strategy for containing medical care costs, while assuring \nthat people receive appropriate medical care. It will pay for most of the medical \nbills, when an individual sees a General Practitioner (GP), specialist or receives \ntreatment in a hospital.\nHow MHC works? MHC providers set up a healthcare network to manage the accessibility, cost and \nquality of care of its members. They negotiate and contract with doctors, hospitals, \nclinics, and other health care providers, such as pharmacies, laboratories, X-ray \ncentres, and medical equipment vendors, in exchange for more patients directed to \nthem.\nPayment methods used \nby Managed Healthcare \nOrganisations (MHCOs)\n\u2022 CapitationMHCO pre-pays its providers a fixed amount for each member\u2019s medical care \nusually on a monthly basis. The provider is paid the same amount each month, \nregardless of how often the member receives medical attention or the cost of that \nmedical attention. The fixed fee may not be the same for all the MHCO members.\nPayment methods used \nby Managed Healthcare \nOrganisations (MHCOs)\n\u2022 Discounted-fee-for-\nserviceMHCO pays its physicians a certain percentage of their normal fees (e.g. 90% of the \nnormal fee), thereby achieving a discount of 10% on the physicians\u2019 fees.\nPayment methods used \nby Managed Healthcare \nOrganisations (MHCOs)\n\u2022 SalaryThis method is used in the Staff Model HMO (Health Maintenance Organisation). \nUnder this method, the HMO compensates the physicians with a fixed salary. These \nsalaries are based on the average earnings of local physicians in the same field or \nspecialty. The HMO also pays the physicians performance-based bonuses or gives \nincentive payments.\nPayment methods used \nby Managed Healthcare \nOrganisations (MHCOs)\n\u2022 Fee schedule MHCO places caps or limits on the dollar amounts that will be reimbursed for \ncovered medical procedures and services. When using this fee schedule payment \nstructure, the MHCO will pay no more than the specified maximum fee allowed for \neach procedure. \nCommon types of MHC \nplans\u2022 Health Maintenance Organisation (HMO); \n\u2022 Preferred Provider Organisation (PPO); and\n\u2022 Point-of-Service (POS) plan. \nFour basic types of \nHealth Maintenance \nOrganisations (HMOs):\n\u2022 Staff Model HMO\u2022 Employs the healthcare providers who usually work together in a centre. \n\u2022 Doctors treat only patients who are members of the HMO. \n\u2022 Usual way to provide specialist care is to refer their patients to certain \ncontracted specialists.\nFour basic types of \nHealth Maintenance \nOrganisations (HMOs):\n\u2022 Group Model HMO\u2022 Doctors and healthcare providers are not hired directly.\n\u2022 Contracts with a large group medical practice to provide medical care services \nto its members and pays the group in bulk. \n\u2022 Physicians decide within the group how the money is distributed.\nFour basic types of \nHealth Maintenance \nOrganisations (HMOs):\n\u2022 Network Model HMO\u2022 Similar to the Group Model HMO.\n\u2022 Contracts for medical care services, instead of employing the physicians."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: ce3250f2-5693-4d0d-8131-7745c7e181b8
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"ce3250f2-5693-4d0d-8131-7745c7e181b8\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"f5e1fd92-9a00-4c5d-891e-ba361532ad53\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"8936971caeae791af7c79c26671c3a6829386d8954a195329af247def77e89f1\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"0919ed02-8226-4406-bd5d-3835b12a7a3c\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"80aa5e51ab71e5038eb1bff8416e0ebefe2ef0fba9f6dacb5e7c8a5d2693c4cb\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 667944, \"end_char_idx\": 671522, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Four basic types of \nHealth Maintenance \nOrganisations (HMOs):\n\u2022 Network Model HMO\u2022 Similar to the Group Model HMO.\n\u2022 Contracts for medical care services, instead of employing the physicians. \n\u2022 Contracts with a relatively large number of group practices, some of which may \nhave a single speciality.\nFour basic types of \nHealth Maintenance \nOrganisations (HMOs):\n\u2022 Independent \nPractitioners \nAssociation (IPA) HMO\u2022 HMO contracts an independent practice association that works similarly to a \nmulti-speciality physician group practice, except its members are allowed to \ntreat non-HMO patients.\n\u2022 Allowed to refer employees to medical services outside the network.\n\u2022 HMO might not provide as much coverage as it would for the employees who \nhad stayed within the network.\n\n27\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nDegree of control the \nInsurers/MHOs have over \ncost and the choice of \nproviders\nSome benefits provided \nunder a MHC Insurance \npolicy\u2022 Primary Care.\n\u2022 Specialist Care.\n\u2022 Hospital Care.\n\u2022 Emergency Care.\n\u2022 Preventive Care.\nElements of co-insurance \nand deductible for MHC \nInsuranceLike other types of traditional Health Insurance, the elements of co-insurance and \ndeductible may be found in MHC Insurance.\nCommon exclusions under \na typical MHC Insurance \npolicy\u2022 Pre-existing conditions;\n\u2022 Congenital anomaly, hereditary condition and disorder;\n\u2022 Mental illness and personality disorder;\n\u2022 Infertility, sub-fertility, assisted conception treatment;\n\u2022 Treatment of sexually transmitted disease;\n\u2022 Acquired lmmune Deficiency Syndrome (AIDS), AIDS related complex or \ninfection by human immunodeficiency virus (HIV);\n\u2022 Self-inflicted injuries;\n\u2022 Drug addiction or alcoholism;\n\u2022 Purchase of eyewear or related eye care items;\n\u2022 Purchase of kidney dialysis machine, iron-lung, prosthesis and other special \nappliances;\n\u2022 Private nursing charges;\n\u2022 Injuries arising from direct participation in strike, riot or civil commotion;\n\u2022 Injuries arising directly or indirectly from nuclear fallout, war (whether declared \nor not declared) and related risks;\n\u2022 Childbirth and abortion or routine ante-natal and post-natal visits;\n\u2022 Cosmetic surgery (except for treatment necessitated by an accident);\n\u2022 General exclusions imposed on Medical Expense Insurance policies are also \napplicable to MHC Insurance plans;\n\u2022 Optional items which are outside the scope of treatment; and\n\u2022 Reimbursements for Work Injury Compensation Insurance and other forms of \ninsurance coverage.\nNote that the exclusions vary from insurer to insurer.\nUnderwriting \nrequirements for MHC \nInsuranceSimilar to those for Medical Expense Insurance cover.\nProcedures for claims \nunder a MHC Insurance \npolicy\u2022 Mainly between the MHCO and the providers.\n\u2022 If using out-of-network providers will need to file claims with the MHCO. The \nrelevant supporting documents to be submitted for such a case include:\n \u00bbClaimant\u2019s statement; and \n \u00bbOriginal itemised medical bill.\nMHC scheme available in \nSingapore\u2022 Not common in Singapore.\n\u2022 Employers either engage MHCO or insurance company to offer cashless medical \nservices to employees.Traditional Medical Expense Insurance\nPPO\nPOS\nIPA Model HMO\nNetwork Model HMO\nGroup Model HMO\nStaff Model HMO\nHigh Low\nCost ControlHighDegree of Choices\nof Providers\n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         167  \n      CHAPTER 9  \nPART I HEALTHCARE FINANCING  \n \n \n \nCHAPTER OUTLINE  \n \n1. Introduction  \n2. Healthcare Subsidies  \n3. MediSave  \n4. MediShield Life  \n5."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 0919ed02-8226-4406-bd5d-3835b12a7a3c
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"0919ed02-8226-4406-bd5d-3835b12a7a3c\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"ce3250f2-5693-4d0d-8131-7745c7e181b8\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6c579d56f5bce7a8ba06d8fd75a0f1398b4541ec76f5a2103b23e72fc46ced03\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"da6105d0-b3d4-4e0a-bfa0-e4337d18ece3\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"72eff709d91a8af27f18665088075f9abb5886ba3ae6ae4b3938b107bb4ca2ee\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 671444, \"end_char_idx\": 675991, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Introduction  \n2. Healthcare Subsidies  \n3. MediSave  \n4. MediShield Life  \n5. Integrated Shield Plans (IPs)  \n \n \nLEARNING OUTCOMES  \n  \nAfter studying this chapter, you should be able to:  \n\u25aa understand Singapore\u2019s healthcare financing philosophy  \n\u25aa describe the Singapore Government subsidies available  \n\u25aa describe the following healthcare  financing scheme s: \n- Community Health Assist Scheme (CHAS)  \n- MediSave  \n- MediShield  Life \n- Integrated Shield Plans  \n- ElderShield & ElderShield Supplements  \n- CareShield Life & CareShield Life Supplements  \n\u25aa outline how MediSave  can be used to meet a CPF member\u2019s healthcare needs \nand buy  approved Medical Expense Insurance  \n\u25aa explain the shift from MediShield to MediShield Life  \n\u25aa describe the enhanced benefits  under MediShield Life  \n\u25aa describe how MediShield Life premiums are kept affordable  \n\u25aa explain how MediShield Life interacts with Integrated Shield Plans  \n\u25aa know the claims process of MediShield Life,  Integrated Shield  Plans,  Medical \nExpense  Insurance and MediSave  \n  \n\nHealth Insurance   \n \n168 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] Contents  \nCHAPTER OUTLINE  ................................ ................................ ................................ .........  167 \nLEARNING OUTCOMES  ................................ ................................ ................................ .. 167 \n1. INTRODUCTION  ................................ ................................ ................................ ..... 169 \n2. HEALTHCARE SUBSIDIES  ................................ ................................ .....................  169 \nA. Public Hospitals  ................................ ................................ ................................ . 170 \nB. Other Healthcare Services  ................................ ................................ ................  171 \n3. MEDISAVE  ................................ ................................ ................................ ..............  172 \nA. Basic Healthcare Sum  ................................ ................................ .......................  173 \nB. Uses Of MediSave  ................................ ................................ .............................  173 \nC. How Much Medisave Can Be Used?  ................................ ................................ . 177 \n4. MEDISHIELD LIFE  ................................ ................................ ................................ ... 179 \nA. MediShield Life Premiums  ................................ ................................ ................  179 \nB. MediShield Life Subsidies ................................ ................................ .................  180 \nC. MediShield Life Benefits  ................................ ................................ ...................  181 \nD. How Are MediShield Life Claim Payouts Computed?  ................................ ..... 182 \nE. MediShield Life Fund  ................................ ................................ ........................  185 \n5. INTEGRATED SHIELD PLANS (IPs)  ................................ ................................ ....... 185 \nA. Integrated Structure Of IPs ................................ ................................ ................  187 \nB. Standard IP  ................................ ................................ ................................ ........  189 \nC. MediSave Use For IP Premiums  ................................ ................................ ....... 189 \nD. Riders  ................................ ................................ ................................ .................  190 \nE. Terminating or Switching IP/Switching Insurer  ................................ ...............  191 \nF. Risk-Loading By Private Insurers  ................................ ................................ ...... 192 \nG. Pre-Authorisation for IP, Claim Process For MediShield Life/IP, Other Private \nInsurance & MediSave  ................................ ................................ ......................  192 \nAPPENDIX 9A  ................................ ................................ ................................ ..................  195 \nAPPENDIX 9B  ................................ ................................ ................................ ..................  198 \nAPPENDIX 9C  ................................ ................................ ................................ ..................  200"}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: da6105d0-b3d4-4e0a-bfa0-e4337d18ece3
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"da6105d0-b3d4-4e0a-bfa0-e4337d18ece3\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"0919ed02-8226-4406-bd5d-3835b12a7a3c\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"80aa5e51ab71e5038eb1bff8416e0ebefe2ef0fba9f6dacb5e7c8a5d2693c4cb\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"fced7503-df1a-42b5-88cb-fb2ab5ad0a64\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6a59c1720563a04526908d9ec2c2188fe38b1485fe9665ea574d174e994b2453\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 676017, \"end_char_idx\": 680180, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         169  \n1. INTRODUCTION  \n \n1.1 In this chapter, we will review the various subsidies and healthcare financing \nschemes that the Singapore Government has put in place to help Singaporeans \nmeet the costs of healthcare.   \n \n1.2 Through a mixed financing syste m (see Figure 9.1  below), Singapore has \nsecured good healthcare outcomes for its population. For example, life \nexpectancy at birth has increased from 80.3 in 2006  to 83.93 in 20221, while \ninfant mortality rate    improved from 2 .6 per thousand live births to 1.8 per \nthousand live b irths2 as at 2020 . The Government has done so with a national \nhealthcare expenditure of about  2.1% of the country\u2019s Gross Domestic Product \n(GDP) in  2018, which is low among developed countries (although this is \nexpected to grow with an ageing population o ver the years).  \n \nFigure 9.1: Main Components in Singapore's Healthcare Financing System  \n \nSource: Managing the Cost of Health Insurance in Singapore, Health Insurance \nTask Force, Singapore  \n \n \n2. HEALTHCARE SUBSIDIES  \n \n2.1 The Government provides funding to public healthcare institutions (e.g. public \nhospitals , national specialty centres  and polyclinics ), as well as selected private \nclinics and voluntary welfare organisations (VWOs) which offer a range of \ncommunity and home -based care. This enables Singaporeans to have access \nto subsidised care.  \n \n2.2 In many healthcare settings, a means -test is used to target subsidies, so that \nneedy patients can receive more  help; lower -income patients receive more \nsubsidies than higher -income patients. These targets  limited resources at those \nwho need them more and  ensures that the Government subsidies are  \nsustainable.  \n \n1 https://www.macrotrends.net/countries/SGP/singapore/life -expectancy  \n2 https://www.statista.com/statistics/624889/singapore -infant -mortality -rate/  \n\n\nHealth Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: fced7503-df1a-42b5-88cb-fb2ab5ad0a64
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"fced7503-df1a-42b5-88cb-fb2ab5ad0a64\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"da6105d0-b3d4-4e0a-bfa0-e4337d18ece3\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"72eff709d91a8af27f18665088075f9abb5886ba3ae6ae4b3938b107bb4ca2ee\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"d4a84fae-4484-4eed-b4f1-9c3cca87a9a2\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"8a31f78abb97742d62b11ca324da456638b0de9c1b41f59c027623882ddf10e0\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 680182, \"end_char_idx\": 684039, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills  \n \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         171  \n2.9 The eligibility for higher subsidy is based on the household monthly income \nper person, or annual value of residence (for any household with no income).  \n \nA3. Other Services  \n \n2.10 Other services such as day surgery and Accident & Emergency (A&E) services \nare sub sidised up to 65% and 50% respectively.  Similar to the Inpatient Subsidy \nFramework, day surgeries will also be subsidised up to 80% for Singapore \nCitizens and up to 50% for Permanent Residents with effect from 1 November \n2022.  \n \nB. Other Healthcare  Services  \n \n2.11 The services provided at Government polyclinics  are subsidised at about 50% \n(75% if the patient is a child or an elderly  person ). All lower - to middle -income \npatients at the polyclinics will enjoy a 75% subsidy for all standard drugs.  \n \nB1. Community Health Assist Scheme (CHAS)   \n \n2.12 The Community Health Assist Scheme (CHAS) enables all Singapore Citizens, \nincluding Merdeka Generation (MG) and Pioneer Generation (PG) cardholders, \nto receive subsidies for medical and/or dental care * at participating General \nPractitioner (GP) and dental clinics.  This scheme has been expanded beyond \nthe lower - and middle -income  group to include all Singapore Citizens. Using \nCHAS, one can also enjoy $2 to $5 fixed fee for recommended health screenings \nunder  Screen for Life . \n*Only for CHAS Blue, CHAS Orange, MG and PG cardholders   \n \n2.13 Besides subsidies for care at CHAS clinics, CHAS, MG  and PG cardholders enjoy \nsubsidised referrals to public Specialist Outpatient Clinics (SOCs), as well as \nsubsidised referrals to the National Dental Centre Singapore and National \nUniversity Centre for Oral Health Singapore, if required.  \n \n2.14 For patients with  chronic conditions, CHAS complements the Chronic Disease \nManagement Programme (CDMP), which allows for MediSave to be used for \noutpatient treatment (for the same set of chronic conditions) covered under \nCHAS. Besides enjoying CHAS subsidies for the treatm ent of their chronic \nconditions, patients can also tap on their MediSave to defray part of the cost of \nthese treatments.  \n \n2.15 Patients who seek treatment for their chronic conditions at CHAS GP clinics can \nalso receive subsidised rates for healthcare services  such as Diabetic Foot \nScreening (DFS), Diabetic Retinal Photography (DRP) and nurse counselling at \nCommunity Health Centres (CHCs) and Primary Care Network (PCN) clinics.  \n \n2.16 The colour of the CHAS card indicates the subsidy tier that cardholders are \nentitle d to, namely the CHAS Blue, Orange or Green tier. All Pioneer Generation \n(PG) and Merdeka Generation (MG) seniors also receive special subsidies at \nCHAS clinics."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: d4a84fae-4484-4eed-b4f1-9c3cca87a9a2
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"d4a84fae-4484-4eed-b4f1-9c3cca87a9a2\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"fced7503-df1a-42b5-88cb-fb2ab5ad0a64\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6a59c1720563a04526908d9ec2c2188fe38b1485fe9665ea574d174e994b2453\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"6b00078d-888b-4dce-9c9a-3a906c753e16\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"eca2349f599fda6343e6ec622928d5bf865ae7edaccf037d43b3af80242e0f41\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 683926, \"end_char_idx\": 686996, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "All Pioneer Generation \n(PG) and Merdeka Generation (MG) seniors also receive special subsidies at \nCHAS clinics.  \n \n\n\nHealth Insurance   \n \n172 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] 2.17 The amount that cardholders pay will be based on the fees charged by the clinic, \nminus the CHAS subsidies. The fees will vary according to each patient\u2019s \ncondition and clinic\u2019s charges.  \n \n2.18 Subsidies are also given to long -term care providers  which  provide healthcare \nservices, such as renal dialysis, mental rehabilitation and  nursing home care. \nMOH provides subsidies of up to 80% depending on the type of intermediate \nlong -term care service required . \n \n \n3. MEDISAVE   \n \n3.1 MediSave  is a mandatory national individual health savings scheme in \nSingapore under the  Central Provident Fund  (CPF) umbrella. Between 8% and \n10.5% of each CPF member\u2019s monthly salary (depending on his age) is set aside \nin his personal MediSave Account (MA). This amount consists of contributio ns \nfrom him and his employer.7 In the case of self -employed  persons, they must \nmake compulsory contributions to their MediSave Accounts after receiving a \nNotice of Computation (NOC) of CPF contributions from IRAS. The MediSave \ncontribution is computed bas ed on the self -employed person\u2019s age and Net \nTrade Income (NTI). The Government also provides MediSave top -ups for \nSingaporeans, especially lower -income workers and elderly persons.   \n \n3.2 Amounts in the MA earn an attractive annual interest income , with additional \ninterest accruing to older CPF members to protect  their savings against \ninflation.  Since its introduction on 1 April 1984, MediSave has helped many \nSingaporeans to save for their medical needs. Saving for future medical \nexpenses is important, since the need for medical care and hospitalisation \nincreases significantly as one grows older.  \n \n3.3 Starting 1 January 2022, the maximum amount members can top up to \nMediSave will be the difference between their Basic Healthcare Sum (BHS) and \ntheir current MediSave balances. Members were previously only able to \ncontribute the lower of the CPF Annual Limi t and the difference between the \nBHS and their current MediSave balance. With the simplification, there is no \nlonger a need to consider the CPF Annual Limit, which is typically made known \nonly at the end of each year.  \n \n3.4 Furthermore, with effect from 1 Janua ry 2022, members can enjoy annual tax \nrelief of:  \n\u25aa up to $8,000 (previously $7,000) when the member tops up to his/her own \nSpecial/Retirement Account and/or MediSave Account; and  \n\u25aa an additional tax relief of up to $8,000 (previously $7,000) when the member \ntops up his/her loved ones\u2019 Special/Retirement Account and/or MediSave \nAccount  \n \n7 Self-employed persons are also required to make contributions of between 4% an d 10.5% of yearly \nincome. These rates only apply the first $6,000/month of each CPF Member\u2019s monthly wage; in other \nwords, the maximum contribution per month is 10.5% of $6,000, which is $650."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 6b00078d-888b-4dce-9c9a-3a906c753e16
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"6b00078d-888b-4dce-9c9a-3a906c753e16\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"d4a84fae-4484-4eed-b4f1-9c3cca87a9a2\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"8a31f78abb97742d62b11ca324da456638b0de9c1b41f59c027623882ddf10e0\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"31f964c3-a605-4f49-8a09-a29ba17ea52f\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"7342a55d859ae78bb220067ddc24a6e4b142c76bb088132f584e3d2b45455817\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 687001, \"end_char_idx\": 691061, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         173  \nNote that the changes related to top -ups to MediSave account s do not apply to \nself-employed persons.  \n \n3.5 With the  Medisave Grant for Newborns , each Singaporean baby is now a CPF \nmember at birth. The grant ensures that  newborns have enough to pay for their \nMeidiShi eld Life premiums from birth till age 21.  \n \nA. Basic Healthcare Sum  \n \n3.6 Contributions  to the MA are subject to a maximum amount, known as the Basic \nHealthcare Sum (BHS). The BHS is designed to be enough for a CPF member\u2019s \nbasic, subsidised healthcare needs in hi s old age. Hence, amounts in the MA up \nto the BHS cannot be withdrawn as cash.  \n \n3.7 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can \nbe withdrawn as cash from the  age of 55 years.  \n \n3.8 For CPF members aged below 65 in 2022,  the prevailing BHS is $66,000, and \nwill be adjusted yearly. For CPF members who turn 65 in 2022, the cohort BHS \nis $66,000 and it will remain fixed for the rest of their lives. As life expectancy \nand healthcare costs rise, successive cohorts of CPF members  will need more \nMediSave savings for their healthcare expenses in their old age. Therefore, the \nBHS is adjusted yearly in January, to keep pace with the growth in MediSave \nuse by the elderly. Refer to the following link at the CPF Website for the current \nBHS:https://www.cpf.gov.sg/member/faq/healthcare -financing/basic -\nhealthcare -sum/what -is-the-basic -healthcare -sum \n3.9 The yearly BHS adjustment will apply only to CPF members aged 65 years and \nbelow in that year. When a CPF member reaches the age of 65 years, th e BHS \nfor him will be fixed at the prevailing BHS, and the amount will not change for \nthe rest of his life8. \n \nB. Uses Of MediSave  \n \n3.10 MediSave can be used to pay for:  \n(a) the CPF member\u2019s medical expenses at all accredited institutions, in both \nthe public and private sector; and  \n(b) medical expenses of the CPF member\u2019s approved dependents, namely his \nspouse, children, parents, siblings, and grandparents. If paying for a siblin g \nor grandparent, the patient must be a Singapore Citizen or Singapore \nPermanent Resident (SPR).  \n \n3.11 Let us now look at these uses of Medi Save in greater detail . \n \n \n \n \n8 All cohorts aged 65 years and above in 2016 will have the sa me BHS of S$49,800 for the rest of their \nlives.  \n\n\nHealth Insurance   \n \n174 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] B1.  Outpatient Treatments  \n \n3.12 MediSave  can be used to pay for selected outpatient services, including chronic \ndisease treatments and preventative care at GPs, polyclinics and Specialist \nOutpatient Clinics (SOCs).  \n \n(a) Outpatient Treatment For Approved Chronic Diseases Under The \nChronic Disease Management Programme  \n(i) MediSave can be used to pay for outpatient treatment for 23 \napproved chronic conditions under the Chronic Disease \nManagement Programme (CDMP) \u2013 metabolic conditions, mental \nhealth conditions, respiratory conditions and other c onditions such \nas Parkinson\u2019s disease, dementia, epilepsy and osteoporosis.  The \nfull list of approved chronic conditions  under the CDMP is available \non the MOH Website at the following link: \nhttps://www.moh.gov.sg/policies -and-legislation/chronic -disease -\nmanagement -programme -(cdmp)  \n(ii) These are chronic conditions  which can:  \n\u25aa result in serious complications like heart disease, kidney failure \nand leg amputations, when not well managed; and  \n\u25aa have high cost of treating the condition over the long term if \npoorly controlled.  \n(iii) The aim of allowing MediSave use under the CDMP is to:  \n\u25aa lower long -term healthcare costs; and  \n\u25aa improve care for patients with chronic conditions , resulting in \nbetter health outcomes."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 31f964c3-a605-4f49-8a09-a29ba17ea52f
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"31f964c3-a605-4f49-8a09-a29ba17ea52f\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"6b00078d-888b-4dce-9c9a-3a906c753e16\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"eca2349f599fda6343e6ec622928d5bf865ae7edaccf037d43b3af80242e0f41\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"eb426667-ebea-4ee0-990a-99d910b1f6f3\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"a86effe2349d59506a338337266f1f23690bb28476a42a51451acd21e7c65181\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 690864, \"end_char_idx\": 695053, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "(iii) The aim of allowing MediSave use under the CDMP is to:  \n\u25aa lower long -term healthcare costs; and  \n\u25aa improve care for patients with chronic conditions , resulting in \nbetter health outcomes.  \n(iv) A CPF member can use up to $500 for non -complex chronic \nconditions, or $700 for complex chronic conditions per patient  per \nyear, under the MediSave500/700 scheme . To ensure prudent use of \nMediSave  and to avoid overconsumption of medical services, \npatients must make a 15% cash co -payment for all CDMP claims.   \n \n(b) Outpatient Treatment for Vaccinations  \nMediSave500/700 can be used to pay for vaccinations under the National \nChildhood Immunisation Schedul e (NCIS) and National Adult \nImmunisation Schedule (NAIS). For the list of vaccinations which are \npayable by MediSave, please visit the CPF website at \nhttps://www.cpf.gov.sg/member/healthcare -financing/using -your -\nmedisave -savings/using -medisave -for-outpatient -treatments   \n \n(c) Outpatient Treatment for Health Screenings  \nThe MediSave500/700 scheme can also be used to pay for recommended \nhealth screenings. MediSave -eligible health screenings include:  \n\u25aa Mammogram screenings (for women aged 50 and above)  \n\u25aa Selected screening tests for newborns  \n \n \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         175  \n(d) Flexi -MediSave for the Elderly  \nUnder the Flexi -MediSave scheme, patients aged 60 and above can use \nup to $ 300 per patient per year from their own or their spouse\u2019s \nMediSave  Account for outpatient medical treatment, as well as approved \nvaccinations and screenings. Both should be aged 60 and above for the \npatient to tap on the spouse\u2019s MediSave Account.    \n \nFlexi -MediSave can be used at:  \n\u25aa Specialist Outpatient Clinics in the pub lic hospitals and national \nspecialty centres;  \n\u25aa Polyclinics; and  \n\u25aa Participating Community Health Assist Scheme (CHAS) Medical GP \nclinics.  \n \nFlexi -MediSave can be used together with other outpatient MediSave  \nlimits, such as the MediSave500/700 limit.  \n \nB2.  Inpatient Treatment s  \n \n3.13 There are several types of hospitalisation and day surgery expenses that can be \npaid with MediSav e. \n \n3.14 The inpatient daily hospital limit applies if the patient is admitted to the hospital \nfor at least 8 hours, while the day surgery limit applies if a patient undergoes a \nsurgical operation listed under the Table of Surgical Procedures (TOSP) and is \nadmitted and discharged within the same day . Visit the website:  \nhttps://www.cpf.gov.sg/member/healthcare -financing/using -your -medisave -\nsavings/using -medisave -for-hospitalisation  to view the TOSP for the full lis t of \nsurgeries and their MediSave withdrawal limits.  \n \n3.15 Let us look at some of these items:  \n \n(a) Inpatient  Episodes  \nThe CPF member can use up to $550 per day for the first two days and \n$400 per day thereafter under the daily hospital limit, which includes \ndaily ward charges, daily treatment fees, investigations, and medicines.  \n \nMediSave can also be used to pay for surg ical procedures required \nduring the inpatient stay. The withdrawal limit depends on the \ncomplexity of the surgery, and ranges from S$250 to S$7,550 (refer to \nthe MOH and the CPF Board websites for details).  \n \nFor a CPF member who passes away during his hosp italisation, the \npatient\u2019s own MediSave can be used to pay for the last inpatient hospital \nbill in full, without being subject to existing MediSave withdrawal limits. \nThis is because the need to save for future healthcare needs is no longer \nrelevant follow ing his death.  \n \n \n \n\n\nHealth Insurance   \n \n176 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] (b) Inpatient Psychiatric Episodes  \nUp to $150 per day can be used from the MediSave account for daily \nhospital charges, subject to a maximum of $5,000 a year.  \n \n(c) Day Surgery  Episodes  \nThe CPF member can use up to $300 per day for hospital charges, which \ninclude daily ward charges, daily treatment fees, investigations, and \nmedicines.  \n \nMediSave can also be used to pay for the day surgical procedure."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: eb426667-ebea-4ee0-990a-99d910b1f6f3
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"eb426667-ebea-4ee0-990a-99d910b1f6f3\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"31f964c3-a605-4f49-8a09-a29ba17ea52f\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"7342a55d859ae78bb220067ddc24a6e4b142c76bb088132f584e3d2b45455817\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"3a868006-94ad-4ca2-9c0b-76db319afaa7\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6188cf78eb6ffda93de201bf62a42bf0de26168505bc417640307220ddc6337b\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 694989, \"end_char_idx\": 698993, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "MediSave can also be used to pay for the day surgical procedure. The \nwithdrawal limit depends on the co mplexity of the surgery, and ranges \nfrom S$250 to S$7,550 (refer to the MOH and the CPF Board websites for \ndetails).  \n \n(d) Assisted Conception Procedure s \nMediSave may be used for Assisted Conception Procedure  cycles \nregardless of whether treatment is received in inpatient or outpatient \nsetting. Only the patient\u2019s and her spouse\u2019s MediSave accounts may be \nused.   \n \nB3.  Long -Term Care  \n(a) Rehabilitation  \nMediSave  can be used to cover the costs of rehabilitative care, if the \npatient is:  \n\u25aa An inpatient at an approved community hospital (for $250 per day, up \nto $5,000 per annum)   \n\u25aa An inpatient at an approved convalescent hospital (for $50 per day, up \nto $3,000 per annum)  \n\u25aa An outpatient at a day rehabilitation centre (for $25 per day, up to \n$1,500 per annum)  \n\u25aa An outpatient at an approved day hospital (for $150 per day, up to \n$3,000 per annum)  \n(b) Palliative Care  \nMediSave can be used to pay for palliative care, subject to t he following \nwithdrawal limits:  \n\u25aa Approved inpatient hospice palliative care services (up to $250 per \nday for general palliative care, and up to $350 per day for specialised \npalliative care)  \n\u25aa Home palliative and day hospice care (up to $2,500 per lifetime). If \nthe patient has terminal cancer, end -stage organ failure or advanced \ndementia, there will not be any withdrawal limit if the bill is paid \nusing the patient\u2019s own MediSave.  \n(c) Disability Care  \nUnder MediSave Care, severely disabled Singapore Residents aged 30 \nand above will be able to withdraw up to $200 per month in cash from \ntheir or their spouse\u2019s MediSave account for their long -term care needs. \nThe withdrawal quantum depends on the MediSave balance at the point \nof monthly withdrawal  (see Appendix 9A ).   \n \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         177  \nB4.  Insurance Premiums  \n \n3.16 Besides using MediSave to pay for medical expenses, a CPF member can use \nhis MediSave  to pay for his own health insurance premiums, or those of his \napproved dependents. MediShield Life and ElderShield or CareShield Life \npremiums can be paid fully with MediSave  whereas Integrated Shield Plans  \n(IPs) and ElderShield or CareShield Life supplem ent premiums are subject to \nwithdrawal limits which are periodically reviewed by MOH.  \n \n3.17 Table 9.1  summarises the uses of the MediSave Account.  \n \nTable 9.1 The Uses of MediSave Account  \nUses of Medisave  Items  that can be paid using MediSave  \nOutpatient Treatments  Selected outpatient treatments such as:  \n\u25aa Approved chronic conditions under the \nCDMP  \n\u25aa Vaccinations  \n\u25aa Health screenings  \nInpatient Treatments  Inpatient care such as:  \n\u25aa Inpatient episodes  \n\u25aa Inpatient psychiatric episodes  \n\u25aa Day surgery episodes  \n\u25aa Assisted Conception Procedures  \nLong -Term Care  Long -Term Care treatments which include:  \n\u25aa Rehabilitative care  \n\u25aa Palliative care  \n\u25aa Disability care  \nInsurance Premiums  Premium payments of:  \n\u25aa MediShield Life  \n\u25aa ElderShield /CareShield Life  \nwhich can be fully paid with MediSave  \n\u25aa Integrated Shield Plans and \nElderShield /CareShield  Life \nsupplement s \nwhich are subject to withdrawal limits  \nperiodically reviewed by MOH  \n \nC. How Much Medisave Can Be Used?  \n \n3.18 The use of MediSave  is subject to withdrawal limits and other conditions. The \ntypes of limits include:  \n(i) Withdrawal Limit \u2013 the maximum amount that the CPF member can \nwithdraw from his/her MediSave Account for his or her medical expenses . \nFor the different categories and amount of withdrawal limits which apply to  \na  member\u2019s CPF account, please refer to Appendix 9A . \n(ii) Additional Withdrawal Limit (AWL)  \u2013 the maximum amount of MediSave \nthat can be used to pay for additional private insurance c overage. The \nexcess premiums above AWLs are payable in cash."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 3a868006-94ad-4ca2-9c0b-76db319afaa7
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"3a868006-94ad-4ca2-9c0b-76db319afaa7\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"eb426667-ebea-4ee0-990a-99d910b1f6f3\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"a86effe2349d59506a338337266f1f23690bb28476a42a51451acd21e7c65181\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"14b719f0-c441-4219-b796-5da2dd57944e\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"4b9537f398c70d0382a82c5d9d68532b19902374d2452b855bb06223af7ea4cf\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 698799, \"end_char_idx\": 703145, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "(ii) Additional Withdrawal Limit (AWL)  \u2013 the maximum amount of MediSave \nthat can be used to pay for additional private insurance c overage. The \nexcess premiums above AWLs are payable in cash.  Please refer to \n\nHealth Insurance   \n \n178 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] Appendix 9A for the AWL for Integrated Shield Plans  (IP) and \nElderShield/CareShield Life supplements.  \n \nC1. Where Can MediSave  Be Used?  \n \n3.19 Payments  via MediSave  are a llowed in all public healthcare institutions, as well \nas approved private hospitals and medical institutions. For an updated list of \nmedical institutions participating in MediSave , refer to the CPF Board Website.  \n \nC2. Whose MediSave  Can Be Used?  \n \n3.20 All CPF members are allowed to pay for their approved dependents\u2019 medical \nexpenses; and there may be more than one payer per bill, e.g. two children can \npay for their mother\u2019s hospitalisation bill. Each CPF member should specify to \nthe institution the amount of MediSave that he would like to use to pay for the \nhospitalisation bill.  \n \n3.21 If the immediate  family members\u2019 MediSave  are not sufficient to pay for the \nhospitalisation bill, then the patient\u2019s family members can make an appeal to \nthe hospital to have the bill settled by non -immediate family members via \nMediSave, e.g. children -in-law. However, this option is available only if the \npatient meets certain conditions, such as having stayed in the Class B2 or Class \nC ward of a public hospital.  \n \nC3. Prudent Use of MediSave  \n \n3.22 MediSave  use is subject to withdrawal limits, which are generally sufficient for \nsubsidised treatments in public healthcare institutions. This ensures that there \ncontinues to be sufficient savings for future healthcare needs. Those seeking \ntreatments in Class B1 a nd Class A wards of public hospitals or private hospitals \nwill usually have some cash out -of-pocket payments.  \n \nC4. Distribution Of MediSave  Upon Demise  \n \n3.23 If a patient was hospitalised just before death and had authorised the use of his \nMediSave to pay for his medical bill, his MediSave balance would be used in \nfull, without being subject to the existing MediSave withdrawal limits, to pay \nfor his last inpatient medical bill.  \n \n3.24 If the patient had not authorised the use of his MediSave before his demise, his \nimmediate family member (spouse, parent, or child who is aged 21 years and \nabove), or donee or deputy can also do so for the last inpatient medical bill, \nprovided that it has not been paid out to the patient\u2019s nominated beneficiaries. \nIn the event that the patient does not have any immediate family member, or \ndonee or deputy to authorise the use of the patient\u2019s MediSave, a relative who \nhas been taking care of the patient may a lso write to MOH through the hospital \nto seek approval for the relative to authorise the withdrawal of patient\u2019s \nMediSave, to pay for the last inpatient medical bill.  \n \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         179  \n3.25 The remaining MediSave  balance, after the payment of the last medical bill, \nwould be distributed to the nominated beneficiaries of the patient\u2019s CPF account \nif a nomination was made before his death. If there was no nomination made, \nthe balance in the deceased patient\u2019s MA would be distributed by the Public \nTrustee to his family members un der the intestacy laws for non -Muslims, or the \nMuslim inheritance law for Muslims.  \n \n \n4. MEDISHIELD LIFE  \n \n4.1 Unlike MediSave which is a savings scheme, MediShield Life is a basic health \ninsurance scheme that protects all Singapore Citizens (SCs) and Permanent \nResidents (PRs) against large medical bills for life, regardless of age or health \nconditions. The claim limits are sized to cover subsidised bills incurred for \nhospitalisation in class B2/C wards, day surgery, and selected costly outpatient \ntreatments (e.g ., dialysis and chemotherapy) in the public hospitals.   \n \n4.2 There is no need to apply for MediShield Life. All SCs and PRs are automatically \ncovered under MediShield Life from 1 Nov 2015. New SCs are covered from \nbirth or from the day they attain citizenship. PRs are covered from the day they \nattain permanent residency."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 14b719f0-c441-4219-b796-5da2dd57944e
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"14b719f0-c441-4219-b796-5da2dd57944e\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"3a868006-94ad-4ca2-9c0b-76db319afaa7\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"6188cf78eb6ffda93de201bf62a42bf0de26168505bc417640307220ddc6337b\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"b0074cc6-4e30-4844-b9dd-d269b3b77e4d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"3d817381d6f393b3c27e04f9bc3c4a3384b2ec4a8d00f196494ddff88f019af3\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 703010, \"end_char_idx\": 707266, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "New SCs are covered from \nbirth or from the day they attain citizenship. PRs are covered from the day they \nattain permanent residency.  \n \n4.3 By risk -pooling across the entire population, MediShield Life provides universal \ncoverage for all Residents for life. MediShield Life premiums may be fully paid \nfrom MediSave.  \n \n4.4 MOH  regularly reviews and enhances MediShield Life to ensure coverage  \nadequacy and premium affordability. No one will lose MediShield Life coverage \ndue to  an inability to pay premiums.  \n \n4.5 MediShield Life provides coverage for all ward classes  including private \nhospitals. However, MediShield Life benefits are designed based on Class B2/C \nbills, so as to keep premiums affordable . Those who would like additional  \ncoverage in Class A/B1 wards or private hospitals may consider buying \nIntegrated Shield Plans (IP). As IPs premiums are higher than MediShield Life \npremiums and increase with age, one should consider the affordability of \npremiums over the longer -term  prior to purchase.  \n \nA. MediShield Life Premiums  \n \n4.6 MediShield Life premiums are actuarially priced based on the health risks and \nexpected healthcare utilisation of each age group so that each age group\u2019s \npayouts are broadly supported by their own premiums. This ensures that \nMediShield Life remains sustaina ble even as our population ages. Any \napplicable subsidies are automatically applied to the premium before premium \npayment.  \n \n4.7 Those with pre -existing medical conditions can enjoy coverage for their \nconditions. Only those with serious pre -existing medical con ditions listed in the \nMOH website need to pay a nominal Additional Premium of 30% for the first 10 \n\n\nHealth Insurance   \n \n180 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] years, in addition to the standard MediShield Life premiums.  \n \n4.8 MediShield Life premiums can be fully paid by Medisave. One can pay \npremiums from own MediSave , or family members may pay one\u2019s premium \nusing their MediSave. Parents may also tap on the MediSave Grant for \nnewborns to pay for their child\u2019s MediShield Life premiums.  \n \nB. MediShield Life Subsidies  \n \n4.9 The Government provides various premium subsidies and su pport measures to \nhelp SCs and PRs with their MediShield Life premiums, including those who \nneed to pay Additional Premiums:  \n(a) Premium Subsidies for the lower - to middle - income;  \n(b) Pioneer and Merdeka Generation Subsidies for Pioneer and Merdeka \nGeneration seniors;  \n(c) COVID -19 Subsidies for SCs; and  \n(d) Additional Premium Support for those who are unable to afford their \npremiums even after subsidies, MediSave use and have limited family \nsupport.  \n \nB1. Premium Subsidies for the lower - to middle - income  \n \n4.10 This is a  permanent feature, available to lower - to middle - income families with \nhousehold monthly income per person of S$2, 800 and below, and  living in \nhomes with an Annual Value (AV) of S$21,000 and below. The S$21,000 AV \nthreshold covers all HDB flats and a small number of private properties. Those \nwho own more than one property will not be eligible for this subsidy.  \n \n4.11 Those eligible can recei ve subsidies of up to 50% of their premiums. PRs will \nreceive half the subsidy applicable to SCs.  \n \nB2. Pioneer Generation Subsidies and MediSave top -ups    \n \n4.12 Pioneers refer to Singapore Citizens born on or before 31 December 1949 and \nobtained citizenship on or before 31 December 1986.  \n \n4.13 Pioneers receive special Pioneer Generation Subsidies of between 40 -60% \ndepending on age. This is regardless of their household monthly income or the \nAnnual Value of their home.  \n \n4.14 Pioneers also receive $250 - $900  a year in MediSave top -ups (depending on \nyear of birth) for life, which can be used to pay for their MediShield Life \npremiums.  \n \n4.15 Older Pioneer Generation Seniors who have serious pre -existing conditions \nalso receive additional MediSave top -ups of $50  - $200 annually from 2021 to \n2025, which can be used to pay for their MediShield Life premiums.   \n \n \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         181  \nB3."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: b0074cc6-4e30-4844-b9dd-d269b3b77e4d
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"b0074cc6-4e30-4844-b9dd-d269b3b77e4d\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"14b719f0-c441-4219-b796-5da2dd57944e\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"4b9537f398c70d0382a82c5d9d68532b19902374d2452b855bb06223af7ea4cf\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"d6b5b9be-e055-4333-916f-1b7339eb70f4\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"639976da21bd9f0a6385d09d02a6977e10816248c507fc745a363df3201fef3f\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 707118, \"end_char_idx\": 711084, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         181  \nB3. Merdeka Generation Subsidies an d MediSave top -ups    \n \n4.16 Merdeka Generation seniors refer to:  \n(i) living Singapore Citizens who were born from 1 January 1950 to 31 \nDecember 1959 and had obtained citizenship on or before 31 December \n1996; and  \n(ii) those who were born on or before 31 December 1949, had obtained \ncitizenship on or before 31 December 1996 and do not receive the Pioneer \nGeneration Package.  \n \n4.17 From 1 July 2019, Merdeka Generation seniors receive additional Merdeka \nGeneration Subsidies of 5% of their annual MediShield Life premiums, \nincreasing to 10% after they turn 75 years old, regardless of their household \nmonthly income or the Annual Value of their home. This is on top of the above \nPremium Subsidies that the seniors may receive.  \n \n4.18 Merdeka Generation members will also receive $200 a  year in MediSave top -\nups for five years from 2019 to 2023. These top -ups can be used to pay for their \nMediShield Life premiums.  \n \nB4. COVID -19 Subsidies  \n \n4.19 COVID -19 Subsidies are provided to all Singapore Citizens for two years after \nthe increase in MediShield Life premiums on 1 Mar 2021.  \n \n4.20 It is applied on the net premium increase over MediShield Life premiums before \n1 Mar 2021, after Premium Subsidies, Pioneer Generation Subsidies or Merdeka \nGeneration Subsidies, where applicable. It covers 70% of the net premium \nincrease in the first year, followed by 30% of the net premium increase in the \nsecond year.  \n \nB5.  Additional Premium Support  \n \n4.21 Indiv iduals who are unable to afford MediShield Life premiums after \nGovernment subsidies, MediSave use and have limited family support will be \ninvited by the Government to apply for Additional Premium Support (APS). If \napproved, APS will cover the outstanding M ediShield Life premiums (if any) as \nwell as the premiums for the next two years.  \n \nC. MediShield Life Benefits  \n \n4.22 MediShield Life benefits are reviewed regularly to keep pace with the evolving \nhealthcare landscape and cost inflation so that it remains sustainable and \nrelevant to the needs of Singaporeans. Appendix 9B shows the MediShield Life \nbenefits applicable for a dmissions or treatments received on or after 1 March \n2021.  \n \n  \n\nHealth Insurance   \n \n182 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] D. How Are MediShield Life Claim Payouts Computed?  \n \n4.23 The MediShield Life Scheme pays on a reimbursement basis, subject to the \nclaim limits  imposed on the covered medical expenses, as well as deductible, \nco-insurance and pro -ration factors.  \n \n4.24 The deductible  is the fixed amount payable by the insured each policy year (the \nyear following his policy renewal month), before  the MediShield Life payout \nstarts. The deductible is payable only once every policy year. It helps to sieve \nout smaller, more affordable bills, which can be paid using MediSave and/or \ncash, and helps to keep the premiums affordable by focusing MediShield Life \npayouts on larger bills where support is more critical.  \n \n4.25 Co-insurance  is the patient\u2019s share of the claimable amount which the insured \nwill have to pay, along with the deductible. It decreases from 10% to 3% as the \nbill size increases. Co -insurance h elps to prevent over -consumption of medical \nservices and over -servicing by healthcare providers.  \n \n4.26 As private hospital bills and Class A/B1 bills in public hospitals are generally \nhigher than the Class B2/C bills that MediShield Life is designed for, they are \npro-rated to the equivalent level of a Class B2/C bill before MediShield Life \npayouts are computed. This ensures comparable payouts for subsidised and \nprivate patients.  \n \n4.27 Table 9.2 shows an example of  how the reimbursement under MediShield Life \nis arrived at.  \n \n  \n\n9."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: d6b5b9be-e055-4333-916f-1b7339eb70f4
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"d6b5b9be-e055-4333-916f-1b7339eb70f4\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"b0074cc6-4e30-4844-b9dd-d269b3b77e4d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"3d817381d6f393b3c27e04f9bc3c4a3384b2ec4a8d00f196494ddff88f019af3\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"00f24910-7315-43d9-9a26-f395c93f4cd6\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"834010bf5e8fb8ebb36db68841d0f0417eda1491286551ac58a6a8de709bf6b3\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 710904, \"end_char_idx\": 713991, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "This ensures comparable payouts for subsidised and \nprivate patients.  \n \n4.27 Table 9.2 shows an example of  how the reimbursement under MediShield Life \nis arrived at.  \n \n  \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         183  \nTable 9.2: Claim Computation Of MediShield Life For Singapore Citizen \nHospitalised In Class A Ward  \n \nClaim computation for a Singapore Citizen aged 60 who stays in a Class A ward  \nLength of Stay: 18 Days  \nProcedure Performed: Hip Replacement  \nPro-ration Factor based on ward class 35%  \n \n Hospital Bill  35% of Hospital \nBill9 \n(Refer to Table H)  MediShield \nLife \nClaim  \nComputation  \nDaily Ward & \nTreatment Charges \n(18 days normal \nward)  $12,000  $4,200  \n($12,000 x 35%)  $4,20010 \nSurgical Procedure \n(Table 5C)  $8,500  $2,975  \n($8,500 x 35%)  $2,18011 \nImplant  $4,000  $1,400  \n($4,000 x 35%)  $1,40012 \nTotal  $24,500  $8,575  $7,780  \nLess Deductible13 - - ($2,000)  \nClaimable Amount  \n(less Deductible)  - - $5,780  \nLess Co -insurance  - - ($439)14 \nMedishield Life pays  - - $5,341  \nMediSave and/or \nCash  - - $19,159  \n \n4.28 Note from Table 9.2 that MediShield Life does not cover the majority of the  \nClass A ward  hospital bills. The insured\u2019s hospital bill was pro -rated to the \nequivalent Class B2/C bill, before being subject to the claim limits. He may use \nhis MediSave  (subject to the MediSave  limits, based on the number of days \nstayed in hospital and the surgical table relating to his surgical  procedure) \nand/or cash to pay the remaining portion of his bill (S$ 19,159 ).  \n \n4.29 Therefore, it is important for the insured to consider his insurance coverage  \ncarefully , before  he chooses the hospital or ward to which he wishes to be \nadmitted. If he wishes to have coverage for Class A/B1 ward and private hospital \nstays, he may apply to any of the approved insurers for an IP. \n \n \n \n9 As the insured member stayed in Class A ward, the MediShield Life claim is computed based on 35% of \nthe bill  \n10 Lower of the claim limit in Table A for Daily Ward & Treatment Charges, ($700 x 18 days) = $12,600, on \n35% of charges incurred of $12,000 = $4,200. Therefore, the claimable amount is $4,200.  \n11 Lower of the claim limit in Table A for surgical procedure, $2,180 (Table 5C), or 35% of charges incurred \nof $8,500 = $2,975. Therefore, the claimable amo unt is $2,180.  \n12 Lower of the claim limit in Table A for Daily Ward & Treatment Charges, ($1000 x 2 + $800 x 16 days) = \n$14,800, on 35% of charges incurred of $12,000 = $4,200. Therefore, the claimable amount is $4,200.  \n13 The insured member is below 80 yea rs old, subject to deductible of $2,000 for Class A ward.  \n14 Co-insurance = ($3,000 x 10%) + ($2,780 x 5%) = $439.  \n\nHealth Insurance   \n \n184 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] 4.30 Exclusions are imposed on certain medical treatments and expenses. For such \nexpenses incurred, the insured will not be able to claim under his MediShield \nLife."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 00f24910-7315-43d9-9a26-f395c93f4cd6
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"00f24910-7315-43d9-9a26-f395c93f4cd6\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"d6b5b9be-e055-4333-916f-1b7339eb70f4\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"639976da21bd9f0a6385d09d02a6977e10816248c507fc745a363df3201fef3f\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"12821eaa-d3c4-4ad9-b1ab-9658ac6d2922\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"7c0070ac13ea20c69cf0755f0cb5132d2fa0447968827ba17371a2c7174c07c5\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 713897, \"end_char_idx\": 718428, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "For such \nexpenses incurred, the insured will not be able to claim under his MediShield \nLife. \n \n4.31 The following treatment items, procedures, conditions, activities are not \ncovered by MediShield Life and cannot be claimed (Applicable fo r admissions \nor treatments received on or after 1 March 2021):  \n\u25aa Treatment for any contraceptive operation or procedure, infertility, sub -\nfertility, or assisted conception or sex re -assignment surgery  \n\u25aa Surgical interventions for the following conditions: Tris omy 13, Bilateral \nRenal Agenesis, Bart\u2019s Hydrops and Anecephaly  \n\u25aa Cosmetic surgery  \n\u25aa Dental work or dental treatment, except approved dental treatment  \n\u25aa Outright purchase of kidney dialysis machines, iron -lung and other special \nappliances  \n\u25aa Optional items such as television, telephone, special requested meals and \nother items which are not necessary for the treatment of any illness, \ncondition or any injury or disability  \n\u25aa Private nursing charges  \n\u25aa Ambulance services  \n\u25aa Vaccination  \n\u25aa Treatment for injuries and disablement res ulting from deliberate exposure \nby the insured to exception danger (except in an attempt to save human \nlife) \n\u25aa Treatment for injuries and disablement resulting from insured person\u2019s \nown criminal act  \n\u25aa Treatment of injuries arising directly or indirectly from n uclear fallout, war \nand related risk  \n\u25aa Treatment of injuries arising from direct participation in civil commotion, \nriot or strike  \n\u25aa Expenses incurred after the 7th calendar day from being certified to be \nmedically fit for discharge from inpatient treatment and  assessed to have \na feasible discharge option by a medical practitioner  \n\u25aa Overseas medical treatment  \n\u25aa Treatment which has received reimbursement from Workmen\u2019s \nCompensation and other forms of insurance coverage  \n\u25aa Treatment for pregnancy, childbirth (including Caesarean operations) or \nabortions, except treatments for serious complications related to \npregnancy and childbirth  \n  \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         185  \nE. MediShield Life Fund  \n \n4.32 The MediShield Life Scheme is a not -for-profit scheme. All premiums collected \nare placed in the MediShield Life Fund and are used solely for the benefit of \npolicyholders and in the administration of the scheme. The financial accounts \nfor the Fund are audited by an external auditor and submitted to Parliament \nevery year.  \n \n \n5. INTEGRATED SHIELD PLANS (IPs)  \n \n5.1 Integrated Shield Plans (IPs) are MediSave -approved hospitalisation insurance \nplans made up of two parts. The first is the MediShield Life component \nadministered by the CPF Board. The second is an additional private insurance \ncoverage componen t administered by approved private insurers, typically to \ncover Class A/B1 wards of public hospitals or private hospitals. Following the \nimplementation of MediShield Life on 1 November 2015, MediShield Life \nautomatically replaced the MediShield component o f IPs. Thus, those who have \nIPs are already covered by MediShield Life, and there is no duplication of \ncoverage between IPs and MediShield Life.   \n \n5.2 The following plans are IPs (as at 1 Apr 2021 ): AIA HealthShield Gold Max, \nSinglife with Aviva MyShield, AXA Shield, Great Eastern  SupremeHealth, \nIncome Insurance Limited\u2019s IncomeShield , Prudential\u2019s PRUshield  and RHI \nRaffles Shield . To aid your understanding of the different IPs offered, you are \nadvised to refer to  the updated compariso n tables of IPs across insurers, \ncategorised by ward class, at the MOH Website15. \n \n5.3 The figure below illustrates  the components of Integrated Shield Plans (IPs) as \noutlined above.  \n \n \n \n \n \n15 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/medishield -life/comparison -of-\nintegrated -shield -plans  \n\nHealth Insurance   \n \n186 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4]  \n \nWith the different IPs available, it is necessary for the sellers of such plans to \nunderstand the different plans offered in the insurance market, and to advise \ntheir prospective clients, based on the needs and long -term affordability of \neach individual client\u2019s position.  \n \n(a) As part of due diligence, clients should  be informed of the key \ndifferences in premiums, benefits, exclusions, deductibles, co -insurance \nand other co -payment features between the various IPs offered by their \ninsurer, versus MediShield Life."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 12821eaa-d3c4-4ad9-b1ab-9658ac6d2922
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"12821eaa-d3c4-4ad9-b1ab-9658ac6d2922\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"00f24910-7315-43d9-9a26-f395c93f4cd6\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"834010bf5e8fb8ebb36db68841d0f0417eda1491286551ac58a6a8de709bf6b3\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"9f6e0d34-837c-4f49-8de7-e3da378e898d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"e0ef4477fd60ff590ff8eb652bd549a08655a64d0ba9f7bd99f58638a19a1951\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 718429, \"end_char_idx\": 722971, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "There are different benefits  provided in \nthe IP policy,  and plans can be \u201cas charged\u201d or \u201cnon -as-charged\u201d (i.e. \nthey have sub -limits imposed). Information provided should be easy to \nunderstand, unambiguous and clearly explained to help clients make an \ninformed decision.  \n \n(b) Clients should consider if they would w ish to stay in a private or \nsubsidised ward in a public hospital, or in a private hospital, and if they \nwish to choose their own doctors. To aid them in this decision, agents \nshould explain to clients how a given plan\u2019s coverage might differ \naccording to t heir choice of ward, hospital, and doctor (e.g., in the case \nof panel providers).  Subsidised treatments in public hospitals (B2/C \nwards) currently make up two -thirds of all admissions from Singapore \nresidents. For the vast majority of these treatments, Me diShield Life \nprovides sufficient coverage, meaning that having an IP plan would not \nprovide any additional payout. As such, members may not need to \npurchase an IP if they intend to stay in Class B2/C wards.  \n \n(c) Premiums for IPs are higher than for MediShield Life. IP premiums \nincrease significantly as an insured person gets older. Premiums for \nhealth insurance usually increase with age and are subject to change. \nThe private insurance component of the IP premiums could be up to 4 \ntimes the MediShield Life premiums for those in their 70s or 80s this \nyear. Clients should consider if they can afford their IP premiums in the \nlong term.  \n\n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         187  \n(d) The additional private insurance component of IP premiums is payable \nby MediSave on ly up to the Additional Withdrawal Limit (AWL), which \nis often exceeded at older ages. The policyholders may have to pay a \nsubstantial portion of their IP premiums in cash, especially at the older \nages.  \n \n(e) Unlike MediShield Life which provides coverage for pre-existing medical \nconditions (with Additional Premiums for the first 10 years), the \ncoverage for the private insurance component of the IP may be declined \nor imposed with exclusions for pre -existing conditions. The private \ninsurance component may also h ave premium loading, arising from pre -\nexisting conditions. Clients should be advised to disclose their medical \nhistory truthfully and completely, to avoid unexpected policy exclusions \nsubsequently. Once their policy has been approved, clients should be \nmad e to understand their full list of policy exclusions from their insurer \nor agent, and be advised of their free -look period where they can review \ntheir purchase and obtain a full refund of premiums if they choose to \ncancel their policy. Where possible, clie nts should be reminded again of \ntheir exclusions prior to any treatment, procedure or admission,  \nincluding both general exclusions and specific medical exclusions of \npre-existing conditions.  \n \nA. Integrated Structure Of IPs  \n \n5.4 Under the integrated structure of IPs, if a Singapore Citizen or Permanent \nResident purchases an IP, he will enjoy the benefits of MediShield Life within \nhis IP. However, he will be serviced by his private insurer. In other words, he \nwill continue to pay o ne premium and needs to make only one claim with just \nhis private insurer. His private insurer will then arrange with the CPF Board on \nthe amount claimable under the MediShield Life component of the plan. The \ninsured will not need to liaise with both parti es (i.e. his insurer and the CPF \nBoard).  \n \nA1. Coverage  \n \n5.5 As mentioned above, a person insured with an IP already benefits from the \nMediShield Life component within his IP. He will have coverage for pre -existing \nconditions and be assured of lifelong coverage  under the MediShield Life \ncomponent of his IP. This is so, even if the condition is excluded from the \nadditional private insurance coverage by the IP insurer.  \n \n5.6 Due to COVID -19, the seven authorised IP insurers have extended their \ncoverage of hospitalisati on resulting from COVID -19 vaccine complications until \nDec 31, 2022, as mentioned by the Life Insurance Association, Singapore (LIA \nSingapore) . The extended coverage will continue to apply to all IP  policyholders \nwho received COVID -19 vaccines under the na tional vaccination programme, as \nwell as those approved by the World Health Organisation (WHO) under its \nemergency use listing and administered in Singapore under the special access \nroute."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 9f6e0d34-837c-4f49-8de7-e3da378e898d
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"9f6e0d34-837c-4f49-8de7-e3da378e898d\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"12821eaa-d3c4-4ad9-b1ab-9658ac6d2922\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"7c0070ac13ea20c69cf0755f0cb5132d2fa0447968827ba17371a2c7174c07c5\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"02bcfb76-517f-4240-b7db-759753ee836d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"2b83e3d9d1e8d850d724c733ec64d4c48d4e418b3586d4102f1b5b6235c610d3\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 722977, \"end_char_idx\": 727350, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Health Insurance   \n \n188 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A2. Premiums & MediShield Life Subsidies  \n \n5.7 The IP premiums paid to private insurers also comprise two parts, namely the \npremium for the MediShield Life component , and the premiums for the \nadditional private insurance component. A person insured under an IP will also \nbe able to receive the applicable MediShield Life subsidies (i.e. Premium \nSubsidies for lower - to middle -income; Pioneer and Merdeka Generation \nSubsidi es; Transitional Subsidies) if he meets the eligibility criteria, but will not \nbe eligible for Additional Premium Support. Those who cannot afford to pay for \nIP premiums should remain on MediShield Life.  \n \n5.8 When deciding on the level of premiums for the addi tional private insurance \ncomponent, private insurers will also need to factor in claims experience and \nmedical inflation along with the benefits offered. Clients concerned with the \naffordability of IP premiums should consider more affordable insurance opti ons \nif it is within their means, such as IPs with a lower ward entitlement, or consider \nwhether MediShield Life (which provides sufficient coverage for the vast \nmajority of subsidised treatments (B2/C wards) already adequately suits their \nneeds.  \n \n5.9 The main  differences between the MediShield Life Scheme and an IP are  \ndescribed in Table 9.3 below . \n \nTable 9.3: Differences Between MediShield Life & IP  \nMediShield Life  Scheme  Integrated Shield Plan (IP)  \n(a) It is administered by the CPF \nBoard.  (a) It is administered by  private \ninsurers, as approved by MOH.  \n(b) Its coverage is sized for stays in \nClass  B2/C wards of public \nhospitals.  (b) It provides for enhanced coverage \nbeyond MediShield Life, with \nvarious plan types available for \nstays in private hospitals and/or \nClass A/B1 wards of public \nhospitals.  \n(c) It covers all pre -existing \nconditions.  (c) Coverage for the private insurance \ncomponent of the IP may be \ndeclined or imposed with \nexclusions and/or premium \nloading , arising from pre -existing \nconditions.  \n(d) There is no minimum or \nmaximum age limit.  (d) It may have a minimum or \nmaximum entry age limit.  \n(e) There are sub -limits applicable.  (e) It may have sub -limits, although \nmost do not have sub -limits.  \n(f) MediShield Life premiums are \nfully payable by MediSave . (f) MediShield Life component of the \nIP is fully payable by MediSave , \nwhile private insurance \ncomponent of the IP is payable by \nMediSave  up to Additional \nWithdrawal Limit, and the \nremainder is payable by cash.  \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         189  \n(g) All Singapore Citizens and \nPermanent Residents ar e \nautomatically covered for life. \nNo application is required.  (g) Application to private insurers is \nrequired.  \n \nB. Standard IP  \n \n5.10 The Government has worked with IP insurers to develop the Standard IP, a \u201cno \nfrills\u201d product targeted at covering large Class B1 ward hospital bills and \nselected outpatient treatments.  \n \n5.11 From 1 May 2016, all IP insurers were  required to sell the Standard I P. The \nbenefits of the Standard IP are regulated by MOH and  are identical across all IP \ninsurers. The Standard IP has claim limits sized to fully cover nine out of ten \nClass B1 bills. Like other IPs, it also has co -insurance and deductible \ncomponents.  \n \n5.12 As a private plan that provides coverage beyond MediShield Li fe, the Standard \nIP is managed by insurers. Like all other IPs, premiums and underwriting \ndecisions for the plan are determined by each insurer, based on their own \ncommercial considerations and risk assessment frameworks. Therefore, \npremiums vary, dependin g on each insurer\u2019s approach.  \n \n5.13 Nonetheless, the Standard IP is an affordable option for Singapore Citizens and \nPermanent Residents who want additional coverage beyond MediShield Life \nand may find other higher coverage IPs too expensive. It is also a viable  option \nfor those who want to switch from their Class A and Private Hospital IPs to a \nmore affordable plan.  \n \nC. MediSave  Use For IP Premiums  \n \n5.14 MediSave  can be used to pay premiums for IPs, either in full or in part, \ndepending on the age group and the IP plan type."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 02bcfb76-517f-4240-b7db-759753ee836d
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"02bcfb76-517f-4240-b7db-759753ee836d\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"9f6e0d34-837c-4f49-8de7-e3da378e898d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"e0ef4477fd60ff590ff8eb652bd549a08655a64d0ba9f7bd99f58638a19a1951\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"8783206f-c4ad-41a2-bb12-3fcb704f3e03\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"74f7122ff4c018340f3988cec2b90d72e3764ee9cde8be384f33949b7628f4f9\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 727185, \"end_char_idx\": 731351, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "C. MediSave  Use For IP Premiums  \n \n5.14 MediSave  can be used to pay premiums for IPs, either in full or in part, \ndepending on the age group and the IP plan type. The MediShield Life \ncomponent of the IP premiums is fully payable by MediSave . This takes into \naccount any Additional Premiums (for those with serious pre -existing \nconditions) and MediShield Life subsidies (where applicable). From 1 \nNovember 2015, MediSave  use for the additional private insurance component \nof the IP premiums is subject to the new Additional Withdrawal Limit (AWL). \nThe AWL is set per insured person per policy year, as  stated below : \n(a) Age Next Birthday (ANB) 40 years and below: S$300  \n(b) ANB 41 to 70 years: S$600  \n(c) ANB 71 years and above: S$900  \n \n \n \n \n \n \n \n\nHealth Insurance   \n \n190 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] D. Riders  \n \n5.15 IP insurers  also sell rider plans, which pay for the co -insurance and deductible \nportion of the IP,  and may make  cash payouts upon hospitalisation. These riders \nare not approved  for MediSave  use, and  insurers are not allowed to market \nriders as part of IPs. Sellers o f such riders  should highlight the distinction \nbetween IPs and riders to policyholders and  share that riders can be paid using \nonly cash. Importantly, they should remind policyholders that rider premiums \nrise significantly with age. Instead of paying for a  rider, the deductible and co -\ninsurance portion incurred in the event of hospitalisation can be saved for and \npaid via MediSave  or cash.  \n \n5.16 On 8 March 2018, MOH introduced requirements for new IP riders to have :  \n(a) a co-payment of 5% or more, to encourage prudent use and appropriate \ncharging of healthcare services, and  \n(b) a co -payment cap for panel/pre -authorised treatment to protect \npolicyholders against the unlikely event of large bills. Insurers can set the \ncap at $3,000 or more per policy yea r.  \n \n5.17 These requirements apply to new policyholders who purchase riders on and \nafter 8 March 2018.  \n \nD1. The Principle Underlying The Need For Co -Payments16 \n \n5.18 Co-payment is an important principle in the design of healthcare insurance. It \nencourages policyholders and their doctors, to consider the necessity of the \nmedical treatment and its cost, so that they can make an informed decision on \nthe appropriate healthcare services.   This encourages prudence and keeps \nhealthcare cost, and health insurance p remiums, affordable and sustainable in \nthe long term.   \n \n5.19 This principle applies regardless of hospital category.   Integrated Shield Plan \n(IP) full riders that covered the entire co -payment under the IPs were not in line \nwith this principle.   Such riders all owed policyholders to avoid co -payment \nregardless of their bill size, and had contributed to over -consumption, over -\nservicing and over -charging.    \n \n5.20 This was one of the reasons why MOH had announced the requirement for a \nminimum 5% co -payment for new riders  across all settings in March 2018.   This \napplied for new riders sold from 1 April 2019, while riders sold after the \nannouncement, between 8 March 2018 and 31 March 2019, had to transition \nonto these new co -payment riders by 1 April 2021.   \n \n5.21 While this co -payment requirement was not mandated for riders purchased \nbefore 8 March 2018, some insurers announced  that they will also be including \na co -payment component to these riders.   This is allowed under their \n \n16 Partially extrac ted and adapted from https://www.moh.gov.sg/news -highlights/details/co -payment -in-\nintegrated -shield -plans -for-specific -hospital -categories -and-breakdown -of-average -claims -made -through -\nfull-riders -of-integrated -shield -plans  \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         191  \ncontractual terms with their policyholders.   MOH has encouraged the insurers, \nin considering these changes, to ensure that their policyholders\u2019 interests are \nsafeguarded even as insurers seek to ensure the sustainability of their \nportfolios."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 8783206f-c4ad-41a2-bb12-3fcb704f3e03
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"8783206f-c4ad-41a2-bb12-3fcb704f3e03\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"02bcfb76-517f-4240-b7db-759753ee836d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"2b83e3d9d1e8d850d724c733ec64d4c48d4e418b3586d4102f1b5b6235c610d3\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"b9e3028c-e6ce-4d00-be79-4e6c1a3c853a\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"fb8a6c6250e1a02afecc3249c3091b61976e6eba3652bd35e7eadae98b41fd08\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 731152, \"end_char_idx\": 735852, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "MOH has encouraged the insurers, \nin considering these changes, to ensure that their policyholders\u2019 interests are \nsafeguarded even as insurers seek to ensure the sustainability of their \nportfolios. As an additional safeguard, insurers are re quired to clearly explain \nthese changes to their policyholders at least 30 days before they take effect.   \n \n5.22 To provide their policyholders more assurance after these changes, some \ninsurers had also introduced co -payment limits for treatments that are provid ed \nby their panel doctors, or for pre -authorised treatments. However, even if \npolicyholders do not seek treatment with a panel doctor or are unable to seek \npre-authorisation prior to treatment, they can still claim under their IP and rider, \nthough addition al benefits such as the co -payment limit may not apply. \nPolicyholders can also continue to tap on MediSave to pay the co -payment \namount under their riders, subject to the MediSave withdrawal limits.  \n \nE. Terminating or Switching IP/Switching Insurer  \n \n5.23 An IP  policyholder who cannot afford, or does not wish to continue paying the \npremium for his IP, can switch his plan to a lower coverage plan within the same \ninsurer at any point in time, without additional underwriting involved. He can \nalso  terminate his IP at any point in time, and still be covered by MediShield \nLife which provides basic health insurance, regardless of any pre -existing \nconditions.   \n \n5.24 In the event that the person with an existing IP switches to a new IP with another \ninsurer, his original IP with the previous insurer will be automatically \nterminated. Moreover, under the new IP with the new insurer, he will undergo \nunderwriting again. As such, he may lose coverage for his existing medical \nconditions covered by his original plan  with his existin g insurer and  may not be \nable to re -apply for his original coverage subsequently.  \n \n5.25 Any policyholder who switches his IP from one insurer to another will have the \noption to go back to the previous insurer within 30 days from the date of \nnotification of termination given to  the previous insurer. No re -underwriting is \nallowed by the previou s insurer, and it would be as if the first IP had never been \nterminated.  \n \n5.26 If a claim is received by the new insurer and the claim incurred date falls within \n30 days from the commencement date of the new policy and the new insurer is \nnot able to admit the c laim for any reason, the new insurer has the option to \nrequest the policyholder to reinstate his policy with the previous insurer. The \nprevious insurer will take the claim incurred date (or claim event date) to be the \ndate of request to reinstate the polic y. Once reinstated, the claim will be \nassessed by the previous insurer, and the claim will be paid by the previous \ninsurer if the liability under the previous insurer\u2019s policy is established.   \n \n  \n\nHealth Insurance   \n \n192 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] F. Risk-Loading By Private Insurers  \n \n5.27 With effect from the launch of MediShield Life, MOH allow s IP insurers to risk -\nload insured members with pre -existing conditions for the private insurance \ncomponent of the IPs . This will help to reduce uncertainty of coverage owing to \nexclusions, and afford  insured members who  prefer to pay higher private \ninsurance premiums  the peace of mind, knowing that they are also covered for \ntheir pre -existing conditions by the private insurance component of their IPs. \nMore details on this will be shared by private insurers if and when th ey decide \nto offer risk -loading to their insured members.  \n \nG. Pre-Authorisation for IP, Claim Process For MediShield Life/IP, Other Private \nInsurance & MediSave  \n \n5.28 The LIA has issued a guidance paper on Pre -Authorisation Process for IPs.  Pre-\nauthorisation is a service where the IP insurer gives prior approval to the \nhospitalisation and/or medical treatment and associated costs before the actual \nsurgery or admission. It is designed for elective treatment in the private \nhealthcare sector, for  patients (policyholders) seeking specialist care by private \ndoctors in private hospitals.  \n \n5.29 The benefits in having  pre-authorisation  are:  \n(a)  Insurers can assess the medical necessity and cost of treatment to ensure \nit is within the terms and conditions of the policy\u2019s coverage;  \n(b)  Patients will have a peace of mind in know ing that their procedure is \nwithin their insurance coverage; and  \n(c)  Healthcare providers have better clarity on the type of procedures covered \nby insurance to better advise their patients prior to the actual procedure."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: b9e3028c-e6ce-4d00-be79-4e6c1a3c853a
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"b9e3028c-e6ce-4d00-be79-4e6c1a3c853a\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"8783206f-c4ad-41a2-bb12-3fcb704f3e03\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"74f7122ff4c018340f3988cec2b90d72e3764ee9cde8be384f33949b7628f4f9\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"9a9dae5a-bde8-4049-b3b5-14dc40cacf33\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"098d7db38f594196375314269e8c8b4a1db0e191e62123205256d7232ea3ce1c\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 735857, \"end_char_idx\": 740047, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Policyholders are thus encouraged to seek pre -authorisation for planned \nprocedures as far as possible if the option is provided by the insurer.  \n \n5.30 All IP i nsurers offering pre -authorisation  services to its IP policyholders have to  \nuse the standard LIA Pre -Authorisation Form. (See Appendix 9C)  \n \n5.31 IP insurers  will directly settle pre -authorised bill s with the hospital, day surgery \ncentre or clinic.  \n \n5.32 Any insured CPF member who wishes to claim from his MediShield Life, IP \nand/or MediSave  will need to complete the Medical Claims Authorisation Form \nto: \n(a)  allow the hospital to claim from his insurer; and  \n(b)  instruct the CPF Board to deduct from his MA to pay for his hospital bill, \nwhile the insurer settles the claim, which may take some time. The patient \nmay be required to pay a deposit in cash upon his hospital admission, as \nhis MediSave  may not cover the full hospital charges. This is usually the \ncase for non -subsidised ward classes.  \n \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         193  \nG1. Claiming From MediShield Life/IP & MediSave  \n \n5.33 If there is no pre-authorisation , the insured CPF member under an IP can \napproach the hospital to trigger a request for a Letter of Guarantee (LOG) from \nhis insurer  upon hospital admission . The LOG is a service provided by all IP \ninsurers for insured members, to ease the admission process to the hospital for \ninpatient treat ment/day surgery. It waives the upfront cash required by the \nhospital, up to the eligible LOG amount. The LOG amount will be computed \nbased on the estimated IP payout in respect of the plan\u2019s benefits, subject to the \nrespective caps imposed by the insurer( s). The hospital may fully or partially \nwaive the deposit in such a case. An insured CPF member may not get the LOG \nif he does not meet the eligibility criteria, for example, if the reason for \nhospitalisation is within his pre -excluded conditions. It is im portant that the \ninsured CPF member understands that a LOG may not mean that the insurer \nwill pay for the specified amount. To obtain assurance that their bill will be \ncovered, the insured CPF member may wish to apply for pre -authorisation \ninstead, if avai lable.  \n \n5.34 For any insured CPF member who wants to claim from MediShield Life, IP \nand/or MediSave , the hospital will submit the claim on his behalf through the \nMediClaim online system after he has been discharged.  \n \n5.35 For MediShield Life claims, the CPF Board will calculate how much MediShield \nLife will pay and  settle the amount directly with the hospital.  \n \n5.36 For IP claims, the hospital will submit the claim electronically to the insurers \ndirectly. For payouts, the IP in surer will calculate how much the IP will pay \nbased on the IP benefits, and the CPF Board will independently calculate how \nmuch MediShield Life will pay based on the MediShield Life benefits. The \neventual payout will be the higher of the two amounts. For e xample, if the \npayout computed based on the full IP benefits is S$2,000, and the payout based \non MediShield Life benefits is S$500, the policyholder will receive S$2,000, \nwhich comprises S$500 from the MediShield Life payout, and S$1,500 from the \nIP\u2019s addi tional coverage payout. In the case where the payout based on \nMediShield Life benefits is higher than the IP benefits, the eventual payout will \nbe based on the MediShield Life benefits.  \n \n5.37 If the CPF member is making use of his MediSave  to pay for part of hi s bill, the \nhospital will have to submit the claim electronically based on the prevailing \nMediSave  withdrawal limits. Once the claim is approved, the CPF Board will \nmake payment to the hospital from the CPF member\u2019s MA. Any outstanding \namount not covered b y MediShield Life/IP, MediSave  or other private insurance \n(e.g. Group Hospital & Surgical Insurance policy effected by the employer of the \nCPF member) will have to be settled by the patient in cash.  \n \n \n \n \n \n \n\nHealth Insurance   \n \n194 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] G2."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 9a9dae5a-bde8-4049-b3b5-14dc40cacf33
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"9a9dae5a-bde8-4049-b3b5-14dc40cacf33\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"b9e3028c-e6ce-4d00-be79-4e6c1a3c853a\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"fb8a6c6250e1a02afecc3249c3091b61976e6eba3652bd35e7eadae98b41fd08\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"06afebed-7bde-45a5-80fc-329a116e534d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"178cb82d5e1982c8755e8f95719671939fceda520d3d3885cc23ddad55f32175\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 739938, \"end_char_idx\": 744261, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Health Insurance   \n \n194 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] G2. Claiming From Non -IP Private Insurance  \n \n5.38 For someone who is covered by his employer \u2019s medical benefits or other private \ninsurance plans, he will need to show his insurance card (provided by some \ninsurers for certain Medical Expense Insurance plans) to the hospital admission \nstaff. The hospital may fully or partially waive the deposit in such a case.  \n \n5.39 Some hospitals will send the hospitalisation bill directly to the CPF member\u2019s \nnon-IP private insurer or employer. In other cases, the insured CPF member will \nhave to submit the bill himsel f to the insurer. If the bill is more than the \nreimbursement from the insurer or the employer, he can choose to claim the \nremainder from MediShield Life/his IP and/or his MediSave , up to prevailing \nlimits, where applicable.  \n \n  \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         195  \nAPPENDIX  9A \nWithdrawal Limits for Inpatient, Outpatient, Long -Term Care and Insurance Premiums  \n \nMediSave Limits for Inpatient Treatments  \nMediSave limits for hospital charges  \nType of hospital stay  MediSave limits for hospital charges  \nInpatient episodes  $550 for the first two days, $400 per day \nafterwards  \nInpatient psychiatric episodes  $150 per day. Maximum of $5,000 a year  \nDay surgery episodes  $300 per day  \nSurgery episodes  Between $250 and $7,550 depending on the \ncomplexity of the surgery.  \n MediSave limits for non -acute hospital stays  \nNon-acute hospital type  MediSave non -acute hospital limits  \nApproved community hospitals  $250 per day. Maximum of $5,000 a year  \nApproved convalescent hospitals  $50 per day. Maximum of $3,000 a year  \nApproved day hospitals  $150 per day. Maximum of $3,000 a year  \nMediSave limits for Assisted Conception Procedure (ACP) Treatments  \nACP Cycle  MediSave Withdrawal Limit  \n1st  $6,000  \n2nd $5,000  \n3rd and subsequent  $4,000 (capped at lifetime MediSave withdrawal \nlimit of $15,000 per patient)  \nMediSave limits for delivery of a child  \nMediSave Maternity Package  Prevailing inpatient limits (up to $550 for the first \ntwo days and $400 for the third and subsequent \nday in the hospital and applicable surgical \nwithdrawal limit depending on the delivery \nprocedure) plus an additional $900 for pre -\ndelivery medical expenses.  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n\nHealth Insurance   \n \n196 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] MediSave Limits for Outpatient Treatments  \nMediSave limits for chronic disease management, health screenings and \nvaccinations  \nMediSave500 or MediSave700 \nScheme  Patients with complex chronic conditions will be \nable to use up to $700 per patient yearly, while \nother patients will be able to use up to $500 per \npatient yearly (treatment for approved chronic \nconditions are subject to 15% co -payment).  \nAdditional MediSave limits for elderly  \nFlexi -MediSave for Elderly  Patients aged 60 and above can use up to $300 \nper patient per year for outpatient medi cal \ntreatment, approved vaccinations and \nscreenings. Spouse\u2019s MediSave savings can also \nbe used if he or she is also over 60 years old.  \nMediSave limits for other outpatient treatments  \nOutpatient treatment  MediSave outpatient limits  \nRenal dialysis treatment  $450 a month  \nOutpatient radiotherapy for cancer \npatients  $80 per treatment for external radiotherapy or \nhemi -body radiotherapy  \n$360 per treatment for brachytherapy with or \nwithout external radiotherapy  \n$2,800 per treatment for stereotac tic \nradiotherapy  \nRadiosurgery treatment for cancer \npatients (Gamma Knife or Novalis \nshaped beam)  Up to $7,500 per treatment  \nChemotherapy for cancer patients \n(includes analgesic medication \nand suppressive treatments)  $1,200 per month per patient  \nScans and other diagnostics for \ncancer patients  $600 per year per patient  \nScans for diagnosis or treatment \nof a medical condition (non -\ncancer)  $300 per year per patient  \nAnti-retroviral treatment for HIV \npatients  $550 per month per patient  \nHyberbaric oxy gen therapy  $100 per treatment cycle  \nIntravenous antibiotic treatment  $600 per weekly cycle."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 06afebed-7bde-45a5-80fc-329a116e534d
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"06afebed-7bde-45a5-80fc-329a116e534d\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"9a9dae5a-bde8-4049-b3b5-14dc40cacf33\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"098d7db38f594196375314269e8c8b4a1db0e191e62123205256d7232ea3ce1c\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"f71ed21c-15f5-49da-9428-1f811d3b34a8\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"2099107a709e978a575895c99f6753bf47d5902196b0055f07e011d9344a340e\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 744262, \"end_char_idx\": 744730, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Up to $2,400 a year  \nLong term oxygen therapy and \ninfant continuous positive airway \npressure therapy  $150 per month per patient  \nImmuno -suppressants for patients \nafter organ transplants  $300 per month per patient  \nLong -term parenteral nutrition  $200 per month  \nAutologous bone marrow \ntransplant for multiple myeloma \ntreatment  $2,800 per year per patient  \nDesferrioxamine drug and blood  \ntransfusion for thalessaemia  $550 per month per patient  \n \n\n9."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: f71ed21c-15f5-49da-9428-1f811d3b34a8
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"f71ed21c-15f5-49da-9428-1f811d3b34a8\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"06afebed-7bde-45a5-80fc-329a116e534d\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"178cb82d5e1982c8755e8f95719671939fceda520d3d3885cc23ddad55f32175\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"5d8cd700-3764-4174-bd36-f937651c4302\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"5ae602e84a0918e5af645042642be0fae3a92014fed81c890bc594c2b77177e2\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 744731, \"end_char_idx\": 748420, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         197  \nMediSave Limits for Long -Term Care  \nMediSave limits for Long -Term Care  \nApproved inpatient hospice \npalliative care services  Up to S$250 per day for general palliative care, and \nup to $350 per day for specialised palliative care  \nDay Rehabilitation at approved \nday rehabilitation centres  Up to $25 per day for day rehabilitation charges, \nsubject to a maximum of $1,500 a year  \nHome palliative and day hospice \ncare A combined lifetime withdrawal limit of  $2,500 per \npatient for day hospice and home palliative care \n(adults and paediatrics)  \nMediSave Care   \nMediSave Balance  Monthly Withdrawal \nQuantum  \n$20,000  and above  $200  \n$15,000 and above  $150  \n$10,000 and above  $100  \n$5,000 and above  $50 \nBelow $5,000  Nil \n \n \nMediSave Limits for IP and ElderShield or CareShield Life Supplement Premiums  \nAdditional Withdrawal Limit (AWL) for IP  \nAge next birthday  AWL for IP policyholders 17  \n40 and below  $300  \n41 to 70  $600  \n71 and above  $900  \nAdditional Withdrawal Limit (AWL) for ElderShield or CareShield Life  Supplements  \nElderShield or CareShield Life  \nSupplements  $600 per calendar year per person insured  \n  \n \n17 https://www.cpf.gov.sg/member/infohub/educational -resources/read -this-before -buying -ip \n\nHealth Insurance   \n \n198 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] APPENDIX 9B  \nMediShield Life Benefits18 \n \nInpatient/Day Surgery  Claims limits  \nDaily Ward and Treatment Charges19  \n- Normal Ward  $800 per day  \n- Intensive Care Unit Ward  $2,200 per day  \n*An additional claim limit of $200 per day applies for the first two inpatient days  \n- Psychiatric (Up to 60 days per policy year)  $160 per day  \n- Community Hospital(Rehabilitative)  $350 per day  \n- Community Hospital (Sub -acute)  $430 per day  \n- Inpatient Palliative Care Service (General)  $250 per day  \n- Inpatient Palliative Care Service (Speciali sed) $350 per day  \nSurgical Procedures  A B C \n- Table 1 A/B/C (less complex procedures)  $240  $340  $340  \n- Table 2 A/B/C  $580  $760  $760  \n- Table 3 A/B/C  $1,060  $1,160  $1,280  \n- Table 4 A/B/C  $1,540  $1,580  $1,640  \n- Table 5 A/B/C  $1,800  $2,180  $2,180  \n- Table 6 A/B/C  $2,360  $2,360  $2,360  \n- Table 7 A/B/C (more complex procedures)  $2,600  $2,600  $2,600  \nImplants  $7,000 per treatment  \nRadiosurgery  $10,000 per course of treatment  \nAutologous Bone Marrow Transplant Treatment \nfor Multiple Myeloma  $6,000 per treatment  \nOutpatient Treatment  \nChemotherapy for Cancer  $3,000 per month  \nRadiotherapy for Cancer   \n- External (Except Hemi -Body)  $300 per treatment  \n- Brachytherapy  $500 per treatment  \n- Hemi -Body  $900 per treatment  \n- Stereotactic  $1,800 per treatment  \nKidney Dialysis  $1,100 per month  \nImmunosuppressants for Organ Transplant  $550 per month  \nErythropoietin for Chronic Kidney Failure  $200 per month  \nLong -term Parenteral Nutrition  $1,700 per month  \nMaximum Claim Limits  \nPer Policy Year  $150,000  \nLifetime  No Limit  \n  \n \n18 https://www.moh.gov.sg/home/our -healthcare -system/medishield -life/what -is-medishield -life/what -\nmedishield -life-benefits  \n19 Includes meal charges, prescription, profess ional charges, investigations and other miscellaneous \ncharges  \n\n9. Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         199  \nDeductible20  \n(Based on age next birthday at the start of the policy year. Applicable for admissions \nor treatments received on or after 1/3/2021.)"}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 5d8cd700-3764-4174-bd36-f937651c4302
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"5d8cd700-3764-4174-bd36-f937651c4302\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"f71ed21c-15f5-49da-9428-1f811d3b34a8\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"2099107a709e978a575895c99f6753bf47d5902196b0055f07e011d9344a340e\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"42456861-c317-4d38-815a-f0b7b79f947b\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"87644848ef0b982701c982d84c212bd5a77a6ec1179e0f8ed699d76c08f0e48d\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 748348, \"end_char_idx\": 751538, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Applicable for admissions \nor treatments received on or after 1/3/2021.)  \nWard Class / Treatment  Age 80 and below  81 and above  \n \nClass C1 $1,500  $2,000  \nClass B2 and above \n(including stay in private \nhospital)  $2,000  $3,000  \nDay Surgery  $1,500  $2,000  \nOutpatient Treatments  Not Applicable  \n1Subsidised patients will follow the deductible for Class C and non -subsidised \npatients will follow the deductible for class B2 for Community Hospital, Inpatient \nPalliative Care Service, Short Stay Wards and Continuation of Autologous Bone \nMarrow Transplant  for Multiple Myeloma.  \nCo-insurance  \nInpatient/Day Surgery  \nClaimable amount accumulated within a policy year  \nFirst S$5,0002 10% \nNext $5,000  5% \nAbove $10,000  3% \nOutpatient Treatment  10% \n2Inclusive of deductible  \n \n  \n \n20 https://www.moh.gov.sg/home/our -healthcare -system/medishield -life/what -is-medishield -life/how -to-\nmake -a-medishield -life-claim  \n\nHealth Insurance   \n \n200 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] APPENDIX 9 C \n \nLIA Standardise Pre -Authorisation Form (To Be Completed By Attending Doctor)  \n \n \n \n PRE-AUTHORISATION FORM TO BE COMPLETED BY ATTENDING DOCTOR  \n(Indicate \u201cNA\u201d if not applicable.)  \n \n    Fill dates in format \u201cDDMMYYYY\u201d  \nName  of Patient   NRIC / FIN  No \nA. Details of Hospitalisation  \n  Name  of Principal  Doctor  and Clinic  \n \n  Name  of Hospital / Surgery  Centre  \nPreferred Ward  Type  \nPrivate  \n\uf0a3  Day Surgery   \uf0a3 2 Bed \n\uf0a3  Standard  Single  Bed  \uf0a3 4 Bed    \n\uf0a3 Others:  \n \nPublic/Restructured  \n\uf0a3  Day Surgery  (subsidised)    \uf0a3 Class  B1/B1+    \n\uf0a3 Day Surgery  (non-subsidised)               \uf0a3  Class  B2/B2+  \n\uf0a3 Class  A   \uf0a3 Class  C  Date  of Admission  Est. Length  of Stay (No. \nof days)  \n \n \nIs the condition typically managed on an \noutpatient basis? If Yes, please provide \nreason for this hospitalisation.  \n\uf0a3  No     \uf0a3  Yes, reasons  are: \nDate  of first consultation  \nof symptoms  \n \n \n Date  of diagnosis/  \nprovisional  diagnosis  Diagnosis / Provisional diagnosis in ICD 10 \nAM with description  \nDate  of onset  of symptoms  / Duration  of symptoms  Description  of symptoms  \nDid the patient come to see you with a referral letter?  \n\uf0a3  No      \uf0a3  Yes  \n(If a referral letter is available, please attach a copy to speed \nup the pre -authorisation process.)  Based on the information available to you, \ndoes the patient have any of the following \nmajor co -morbidities? (Note: Only co -\nmorbidities that have impact on the patient\u2019s \ntreatment, impact on the dura tion of \nhospitalisation, or which are medically related to \nthe patient\u2019s condition, need to be indicated.)  \n \nBased on the information available to you, is the event \nfor which pre -authorisation is being requested:  \n \n\uf0a3   For a routine check -up/screening  \n\uf0a3   Related to a clinical trial/study  \n\uf0a3   Related to self -inflicted injuries/attempted  suicide  \n\uf0a3   Related to alcohol/drug abuse  \n\uf0a3   Related to a congenital  anomaly/genetic  disorder  Comorbidities  Date of \ndiagnosis, \nif  available  \n\uf0a3 Cancer   \n\uf0a3 Stroke, Heart Failure,  \n    Cardiovascular Disease   \n\uf0a3 Diabetes   Insert Company Logo, if applicable  \n\n9."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 42456861-c317-4d38-815a-f0b7b79f947b
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"42456861-c317-4d38-815a-f0b7b79f947b\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"5d8cd700-3764-4174-bd36-f937651c4302\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"5ae602e84a0918e5af645042642be0fae3a92014fed81c890bc594c2b77177e2\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"1ee37d0e-065b-4510-8df8-6d72c20ebecf\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"c2a18b44bd08897ef6d812f6147e170ea5257ee1dd6ab603e02dee2389f4b787\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 751539, \"end_char_idx\": 755830, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Part I Healthcare Financing  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                         201  \n\uf0a3   Related to a mental/psychiatric di sorder  \n\uf0a3   Related to an elective cosmetic procedure  \n\uf0a3   Related to a dental procedure  \n\uf0a3   Related to an STD or HIV/AIDS  \uf0a3 Hyperlipidaemia   \n\uf0a3 Hypertension   \nName of Clinic and Doctor who had treated the patient \nfor the above comorbidity, if available  \n \n \n \n \n \n \uf0a3 Kidney Failure   \n\uf0a3 Other Significant Comorbidities \nthat impact the patient\u2019s care \n(Please state):  \n \n  \nB.   Best Estimated Costs   \n S$ \n1. Total Professional Fees  \nBreakdown as:  \n \nTOSP Code and Description:  \n \nSurgeon fees  S$ \nAnaesthetist fees  S$ \n \nTOSP Code and Description:  \n \nSurgeon fees  S$ \nAnaesthetist fees  S$ \n \nTOSP Code and Description:  \n \nSurgeon fees  S$ \nAnaesthetist fees  S$ \n  \n\u2026\u2026\u2026\u2026\u2026\n\u2026\u2026\u2026\u2026  \n2. Total Attendance Fees  \n \n  \n\u2026\u2026\u2026\u2026\u2026\n\u2026\u2026\u2026\u2026  \n \n3. Total of Other Fees (E.g.  Secondary treating doctors\u2019 fees, surgical implants, medical \nconsumables, and other charges.)  \nBreakdown as:  \na.  S$ \nb.  S$ \nc.  S$ \nd.  S$ \n \u2026\u2026\u2026\u2026\n\u2026\u2026\u2026\u2026\n\u2026 \n \n4. Total Hospital Charges  \n \n  \n\u2026\u2026\u2026\u2026\n\u2026\u2026\u2026\u2026\n\u2026 \n5. Total Bill Size = 1 + 2 + 3 + 4  \n \n  \n\u2026\u2026\u2026\u2026\n\u2026\u2026\u2026\u2026...  \n \n \n \n \n \n\nHealth Insurance   \n \n202 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] C.   Principal Doctor\u2019s Declaration & Signature  \n \n \n1. I represent and warrant that:  \n(a) I have personally examined and treated the Insured (i.e.  patient) in respect of the medical condition \ndescribed above and that the information stated above represent my genuine and honest opinion of \nhis/her condition and my recommended treatment; and  \n(b) the answers given above are true, accurate and complete to th e best of my knowledge and belief and \nthat no information has been withheld.  \n \n2. I agree and authorize (name of insurer) to release this medical information, with the patient\u2019s consent if \nsuch disclosure is required by the Financial Industry Disputes Resoluti on Centre Ltd (FIDReC) of \nSingapore or any claim dispute resolution organisation.  \n \n                                                                                                              Official Stamp of Hospital / Clinic  \nName of Doctor:   ________________________________  \n \n \nDoctor\u2019s MCR: __________________________________  \n \n \n \nDoctor\u2019s Signature and Date: ___________________________  \n \n \n\u00a9 Copyright 2022 Life Insurance Association Singapore  \nVersion 20220117  for implementation from April 2022   \nSource:  https://www.lia.org.sg/media/3278/lia -pre-authorisation -form_ -20220117.pdf  \n \n \n \n\n28\nHEALTHCARE FINANCING PART I & IICHAPTER\n09\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nSingapore government \nsubsidies \u2022 Government provides funding to public healthcare institutions (e.g. public \nhospitals, national specialty centres and polyclinics), as well as selected private \nclinics and voluntary welfare organisations (VWOs).\n\u2022 Means-test is used to target subsidies, so that needy patients can receive \nmore help; lower-income patients receive more subsidies than higher-income \npatients.\nMain components of \nSingapore\u2019s Healthcare \nFinancing System\nMediSave \u2022 National healthcare savings scheme in Singapore under the Central Provident \nBoard (CPF) umbrella.\n\u2022 Contributions to the Medisave Account (MA) are subject to a maximum amount, \nknown as the Basic Healthcare Sum (BHS). The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. If \npaying for a sibling or grandparent, the patient must be a Singapore Citizen or \nSingapore Permanent Resident (SPR)."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 1ee37d0e-065b-4510-8df8-6d72c20ebecf
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"1ee37d0e-065b-4510-8df8-6d72c20ebecf\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"42456861-c317-4d38-815a-f0b7b79f947b\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"87644848ef0b982701c982d84c212bd5a77a6ec1179e0f8ed699d76c08f0e48d\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"c7e9656e-0ce5-4d9e-a70b-38ddca89cfef\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"0370c6b668d8427057b3d873a19468288ec90c2625a575b05a8aeb34ecb5a454\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 755710, \"end_char_idx\": 760276, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "If \npaying for a sibling or grandparent, the patient must be a Singapore Citizen or \nSingapore Permanent Resident (SPR).\n\n\n29\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nUses of MediSave Account\nHow much Medisave can \nbe usedThe use of MediSave is subject to:\n\u2022 Withdrawal Limit.\n\u2022 Additional Withdrawal Limit (AWL).\nPayments via MediSave are allowed in all public healthcare institutions, as well as \napproved private hospitals and medical institutions\nDistribution Of MediSave \nUpon Demise\u2022 If a patient was hospitalised just before death and had authorised the use of his \nMediSave to pay for his medical bill, his MediSave balance would be used in full, \nwithout being subject to the existing MediSave withdrawal limits, to pay for his \nlast inpatient medical bill.\n\u2022 If the patient had not authorised the use of his MediSave before his demise, his \nimmediate family member (spouse, parent, or child who is aged 21 years and \nabove), or donee or deputy can also do so for the last inpatient medical bill, \nprovided that it has not been paid out to the patient\u2019s nominated beneficiaries.\n\u2022 In the event that the patient does not have any immediate family member, \nor donee or deputy to authorise the use of the patient\u2019s MediSave, a relative \nwho has been taking care of the patient may also write to MOH through the \nhospital to seek approval for the relative to authorise the withdrawal of patient\u2019s \nMediSave, to pay for the last inpatient medical bill.\n\u2022 Remaining MediSave balance, after the payment of the last medical bill, would \nbe distributed to the nominated beneficiaries of the patient\u2019s CPF account if a \nnomination was made before his death. If there was no nomination made, the \nbalance in the deceased patient\u2019s MA would be distributed by the Public Trustee \nto his family members under the intestacy laws for non-Muslims, or the Muslim \ninheritance law for Muslims.Uses of Medisave Items that can be paid using MediSave\nOutpatient \nTreatmentsSelected outpatient treatments such as:\n\u2022 Approved chronic conditions under the chronic \ndisease management programme\n\u2022 Vaccinations\n\u2022 Health screenings\nInpatient Treatments Inpatient care  which includes:\n\u2022 Inpatient episodes \n\u2022 Inpatient psychiatric episodes\n\u2022 Day surgery\n\u2022 Assisted Conception Procedures\nLong-Term Care Long-Term Care treatments which include: \n\u2022 Rehabilitative care\n\u2022 Palliative care\n\u2022 Disability care\nInsurance Premiums Premium payments of: \n\u2022 MediShield Life\n\u2022 ElderShield/CareShield Life\nwhich can be fully paid with MediSave\n\u2022 Integrated Shield Plans and ElderShield/CareShield \nLife supplements\nwhich are subject to withdrawal limits periodically \nreviewed by MOH\n\n30\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nMediShield Life \u2022 Basic healthcare insurance scheme.\n\u2022 Covers all Singapore Citizens and Singapore Permanent Residents against large \nmedical bills for life, regardless of age or health conditions.\n\u2022 The claim limits are sized to cover subsidised bills incurred for hospitalisation in \nclass B2/C wards, day surgery, and selected costly outpatient treatments (e.g., \ndialysis and chemotherapy) in the public hospitals.  \n\u2022 However, MediShield Life benefits are designed based on Class B2/C bills, so \nas to keep premiums affordable. Those who would like additional coverage in \nClass A/B1 wards or private hospitals may consider buying Integrated Shield \nPlans (IP).\n\u2022 No need to apply for MediShield Life. All SCs and PRs are automatically covered \nunder MediShield Life from 1 Nov 2015. New SCs are covered from birth or \nfrom the day they attain citizenship. PRs are covered from the day they attain \npermanent residency.\n\u2022 MediShield Life premiums may be fully paid from MediSave.\n\u2022 Please refer to the Study Text for a list of treatment items, procedures, \nconditions, activities which are not covered by MediShield Life and cannot be \nclaimed.\nMediShield Life Premiums \u2022 Actuarially priced based on the health risks and expected healthcare utilisation \nof each age group so that each age group\u2019s payouts are broadly supported by \ntheir own premiums.\n\u2022 Those with pre-existing medical conditions can enjoy coverage for their \nconditions. Only those with serious pre-existing medical conditions listed in the \nMOH website need to pay a nominal Additional Premium of 30% for the first 10 \nyears, in addition to the standard MediShield Life premiums.\n\u2022 One can pay premiums from own MediSave, or family members may pay one\u2019s \npremium using their MediSave. Parents may also tap on the MediSave Grant for \nnewborns to pay for their child\u2019s MediShield Life premiums."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: c7e9656e-0ce5-4d9e-a70b-38ddca89cfef
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"c7e9656e-0ce5-4d9e-a70b-38ddca89cfef\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"1ee37d0e-065b-4510-8df8-6d72c20ebecf\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"c2a18b44bd08897ef6d812f6147e170ea5257ee1dd6ab603e02dee2389f4b787\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"69ddcc9d-e394-4255-8b11-ee5d3786a687\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"5eea9fd969d99648f0a1bd0ab3b6a6dab3488b856f0515d07f46f5bdb3cd7c65\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 760064, \"end_char_idx\": 764639, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "\u2022 One can pay premiums from own MediSave, or family members may pay one\u2019s \npremium using their MediSave. Parents may also tap on the MediSave Grant for \nnewborns to pay for their child\u2019s MediShield Life premiums.\nHow Are MediShield Life \nClaim Payouts Computed?\u2022 Pays on a reimbursement basis, subject to the claim limits imposed on the \ncovered medical expenses, as well as deductible, co-insurance and pro-ration \nfactors.\n\u2022 The deductible is the fixed amount payable by the insured each policy year (the \nyear following his policy renewal month), before the MediShield Life payout \nstarts. The deductible is payable only once every policy year.\n\u2022 Co-insurance is the patient\u2019s share of the claimable amount which the insured \nwill have to pay, along with the deductible.\nPlease refer to the Study Text for example of how the reimbursement under \nMediShield Life is arrived at.\nIntegrated Shield Plans Integrated Shield Plans (IPs) are MediSave-approved hospitalisation insurance plans \nmade up of two parts. \n\u2022 MediShield Life component administered by the CPF Board. \n\u2022 An additional private insurance coverage component administered by approved \nprivate insurers, typically to cover Class A/B1 wards of public hospitals or \nprivate hospitals. \nNo duplication of coverage between IPs and MediShield Life.\n\n31\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nConsideration on \nIntegrated Shield Plans (IP)\u2022 With the different IPs available, it is necessary for the sellers of such plans to \nunderstand the different plans offered in the insurance market, and to advise \ntheir prospective clients, based on the needs and long-term affordability of each \nindividual client\u2019s position.\n\u2022 As part of due diligence, clients should be informed of the key differences \nin premiums, benefits, exclusions, deductibles, co-insurance and other co-\npayment features between the various IPs offered by their insurer, versus \nMediShield Life. There are different benefits provided in the IP policy, and plans \ncan be \u201cas charged\u201d or \u201cnon -as-charged\u201d (i.e. they have sub-limits imposed). \nInformation provided should be easy to understand, unambiguous and clearly \nexplained to help clients make an informed decision.\n\u2022 Clients should consider if they would wish to stay in a private or subsidised \nward in a public hospital, or in a private hospital, and if they wish to choose \ntheir own doctors.\n\u2022 Clients should consider if they can afford their IP premiums in the long term as \nthe policyholders may have to pay a substantial portion of their IP premiums in \ncash, especially at the older ages.\n\u2022 Unlike MediShield Life which provides coverage for pre-existing medical \nconditions (with Additional Premiums for the first 10 years), the coverage for \nthe private insurance component of the IP may be declined or imposed with \nexclusions for pre-existing conditions. The private insurance component may \nalso have premium loading, arising from pre-existing conditions.\nHow MediSave can be used \nto meet a CPF member\u2019s \nhealthcare needs and buy \napproved Medical Expense \nInsurance?MediSave can be used to pay premiums for IPs, either in full or in part, depending \non the age group and the IP plan type. From 1 November 2015, MediSave use for \nthe additional private insurance component of the IP premiums is subject to the \nnew Additional Withdrawal Limit (AWL). The AWL is set per insured person per \npolicy year, as stated below:\n\u2022 Age Next Birthday (ANB) 40 years and below: S$300 \n\u2022 ANB 41 to 70 years: S$600\n\u2022 ANB 71 years and above: S$900\nHow MediShield Life \npremiums are kept \naffordable?\u2022 Premium Subsidies for lower- to middle-income.\n\u2022 Pioneer and Merdeka Generation Subsidies.\n\u2022 COVID-19 Subsidies.\n\u2022 Additional premium support.\nHow MediShield Life \ninteracts with Integrated \nShield Plans?MediShield Life Scheme Integrated Shield Plan (IP) \nIt is administered by the CPF Board It is administered by private insurers, \nas approved by MOH.\nIts coverage is sized for stays in Class \nB2/C wards of public hospitals.It provides for enhanced coverage \nbeyond MediShield Life, with various \nplan types available for stays in private \nhospitals and/or Class A/B1 wards of \npublic hospitals.\nIt covers all pre-existing conditions. Coverage for the private insurance \ncomponent of the IP may be declined \nor imposed with exclusions and/or \npremium loading, arising from pre-\nexisting conditions.\nThere is no minimum or maximum age \nlimit.It may have a minimum or maximum \nentry age limit.\nThere are sub-limits applicable. It may have sub-limits, although most \ndo not have sub-limits."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 69ddcc9d-e394-4255-8b11-ee5d3786a687
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"69ddcc9d-e394-4255-8b11-ee5d3786a687\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"c7e9656e-0ce5-4d9e-a70b-38ddca89cfef\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"0370c6b668d8427057b3d873a19468288ec90c2625a575b05a8aeb34ecb5a454\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"326c5947-d084-41d5-bf0a-f6840abf2666\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"5d64b7c6a846692831cb4240b4355e865191173269b4319a94600e74bfd9d742\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 764451, \"end_char_idx\": 769274, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "There is no minimum or maximum age \nlimit.It may have a minimum or maximum \nentry age limit.\nThere are sub-limits applicable. It may have sub-limits, although most \ndo not have sub-limits.\nMediShield Life premiums are fully \npayable by MediSave.MediShield Life component of the IP \nis fully payable by MediSave, while \nprivate insurance component of \nthe IP is payable by MediSave up to \nAdditional Withdrawal Limit, and the \nremainder is payable by cash.\nAll Singapore Citizens and Permanent \nResidents are automatically covered \nfor life. No application is required.Application to private insurers is \nrequired.\n31\n\n32\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nStandard IP \u2022 \u201cNo frills\u201d product targeted at covering large Class B1 ward hospital bills and \nselected outpatient treatments.\n\u2022 Affordable option for Singapore Citizens and Permanent Residents who want \nadditional coverage beyond MediShield Life and may find other higher coverage \nIPs too expensive.\nRiders \u2022 Pay for the co-insurance and deductible portion of the IP, and may pay cash \npayouts upon hospitalisation.\nNeed for Co-Payments \u2022 Co-payment is an important principle in the design of healthcare insurance. It \nencourages policyholders and their doctors, to consider the necessity of the \nmedical treatment and its cost, so that they can make an informed decision \non the appropriate healthcare services. This encourages prudence and keeps \nhealthcare cost, and health insurance premiums, affordable and sustainable in \nthe long term.\nTerminating or Switching \nIP/Switching Insurer\u2022 An IP policyholder who cannot afford, or does not wish to continue paying the \npremium for his IP, can  switch his plan to a lower coverage plan within the \nsame insurer at any point in time, without additional underwriting involved. \n\u2022 He can also  terminate his IP at any point in time, and still be covered by \nMediShield Life which provides basic health insurance, regardless of any pre-\nexisting conditions.  \n\u2022 If the person with an existing IP switches to a new IP with another insurer, \nOriginal IP with the previous insurer will be automatically terminated.\n\u2022 Option to go back to the previous insurer within 30 days from the date of \nnotification of termination from the previous insurer.\nRisk-Loading by private \ninsurers\u2022 MOH allows IP insurers to risk-load insured members with pre-existing \nconditions for the private insurance component of the IPs.\nBenefits in having Pre-\nAuthorisation for IP\u2022 Insurers can assess the medical necessity and cost of treatment to ensure it is \nwithin the terms and conditions of the policy\u2019s coverage.\n\u2022 Patients will have a peace of mind in knowing that their procedure is within \ntheir insurance coverage; and\n\u2022 Healthcare providers have better clarity on the type of procedures covered by \ninsurance to better advise their patients prior to the actual procedure. \nPolicyholders are thus encouraged to seek pre-authorisation for planned \nprocedures as far as possible if the option is provided by the insurer.\nClaims process of \nMediShield Life, Integrated \nShield Plans, other Medical \nExpense Insurance and \nMediSaveAny insured CPF member who wishes to claim from his MediShield Life, IP and/or \nMediSave will need to complete the Medical Claims Authorisation Form to:\n\u2022 Allow the hospital to claim from his insurer; and \n\u2022 Instruct the CPF Board to deduct from his MA to pay for his hospital bill, while \nthe insurer settles the claim.\nFor any insured CPF member who wants to claim from MediShield Life, IP and/or \nMediSave, the hospital will submit the claim on his behalf through the MediClaim \nonline system after he has been discharged.\nIf there is no pre-authorisation, the insured CPF member under an IP can approach \nthe hospital to trigger a request for a Letter of Guarantee (LOG) from his insurer \nupon hospital admission. It is important that the insured CPF member understands \nthat a LOG may not mean that the insurer will pay for the specified amount. To \nobtain assurance that their bill will be covered, the insured CPF member may wish \nto apply for pre-authorisation instead, if available.\nFor someone who is covered by his employer medical benefits or other private \ninsurance plans, he will need to show his insurance card (provided by some insurers \nfor certain Medical Expense Insurance plans) to the hospital admission staff. The \nhospital may fully or partially waive the deposit in such a case.\n\u2022 Some hospitals will send the hospitalisation bill directly to the CPF member\u2019s \nnon-IP private insurer or employer. In other cases, the insured CPF member will \nhave to submit the bill himself to the insurer. \n\n33\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWithdrawal Limits for \nInpatient, Outpatient, \nLong-Term Care and \nInsurance PremiumsPlease refer to the Study Text for the full list."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 326c5947-d084-41d5-bf0a-f6840abf2666
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"326c5947-d084-41d5-bf0a-f6840abf2666\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"69ddcc9d-e394-4255-8b11-ee5d3786a687\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"5eea9fd969d99648f0a1bd0ab3b6a6dab3488b856f0515d07f46f5bdb3cd7c65\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"4bb13ddb-ed30-48c2-b9f5-58d56df02ead\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"bacd3de0b33b08e5537fec5f7bb0620e4a41d50dabb41909aeb9726cc28dc6f5\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 769093, \"end_char_idx\": 773645, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "33\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWithdrawal Limits for \nInpatient, Outpatient, \nLong-Term Care and \nInsurance PremiumsPlease refer to the Study Text for the full list.\nMediShield Life Benefits Please refer to the Study Text for the full list.\nElderShield & ElderShield \nSupplementsElderShield is a long-term care insurance scheme launched in September 2002. It \nprovides basic financial protection to those who need long-term care, especially \nduring old age.\nElderShield Supplement plans complement the current ElderShield scheme, by \noffering additional benefits at different pricing levels which increase the insured\u2019s \ncoverage through:\n\u2022 Increasing the monthly payout;\n\u2022 Extending the payout period; or\n\u2022 A combination of both.\nHow ElderShield and \nElderShield Supplements \nwork?\u2022 To purchase and maintain an ElderShield Supplement, an insured must have an \nElderShield policy.\n\u2022 Premiums for ElderShield Supplement can be paid using MediSave (up to a limit \nof S$600 per insured per calendar year) and/or by cash.\n\u2022 The ElderShield scheme will pay a monthly benefit of either S$300 up to 60 \nmonths, or S$400 up to 72 months, depending on the type of the scheme in \nwhich the CPF member is covered.\nEligibility Criteria For \nPayment Of ElderShield \nbenefits\u2022 Meets the waiting period requirement.\n\u2022 Unable to perform the specified number of activities of daily living \n\u2022 Meets the deferment period requirement (If he recovers from the disability \nwithin the period, then no benefits are payable).\n\u2022 Please also note on making a claim under ElderShield and how the benefits are \npaid.\nFeatures of ElderShield \u2022 Non-forfeiture feature.\n\u2022 Guaranteed renewability on an annual basis.\n\u2022 Worldwide coverage.\n\u2022 Minimum (i.e. 40 years old) and maximum entry age (i.e. 64 years old).\n\u2022 Grace period of 75 days is allowed for payment of the overdue premiums.\n\u2022 Reinstatement of the policy is allowed within 180 days from the expiry of the \ngrace period, subject to evidence of insurability at the insured\u2019s expense and \npayment of the overdue premiums with interest.\n\u2022 Insurer has the right to appoint an assessor to examine the insured periodically.\n\u2022 Where the insured is overseas at the time of a claim, the insurer has the right \nto commute the benefit payments to a single payment reflecting the present \nvalue of future benefit payments, or withhold the claim payment if it is unable \nto assess the claim after having made reasonable attempts to do so.\n\u2022 No cash surrender value.\n\u2022 Free-look period of 60 days from the policy commencement date during which \nthe insured may cancel his policy, and receive a full refund of the premiums \npaid.\n\n34\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nExclusions of ElderShield \u2022 Self-inflicted injury, suicide or attempted suicide;\n\u2022 Alcoholism or drug addiction; or\n\u2022 War, whether declared or undeclared.\n\u2022 CPF members who are suffering from pre-existing disabilities, will not be \ncovered under ElderShield.\nTermination of cover for \nElderShield\u2022 Expiry of the grace period if the ElderShield policy is not eligible for the non-\nforfeiture benefit (i.e. it has been in force for too short a period for it to acquire \nsufficient reserves to be converted into a paid-up policy);\n\u2022 Death of the insured;\n\u2022 Date in which the last benefit payment has been received; or\n\u2022 Date in which the written notice from the insured to cancel the policy is received \nby the insurer (if the policy does not have sufficient reserves, it will not be \nconverted into a paid-up policy).\nElderShield to CareShield \nLife\u2022 ElderShield became a  closed scheme from 1 August 2021.\n\u2022 The Government had taken over the ElderShield administration from 1 \nNovember 2021.\n\u2022 New cohorts born in 1980 or later were covered under CareShield Life from 1 \nOct 2020 but Singapore Citizens and SPRs born in 1979 or earlier could still opt \nin to the ElderShield scheme up till 1 Aug 2021 if they are below 65. \n\u2022 Existing ElderShield policyholders could continue to remain covered under the \nscheme with no changes to their coverage and benefits.\nCareShield Life & \nCareShield Life \nSupplementsCareShield Life was introduced in 2020, as an enhancement of ElderShield and is \nadministered by the Government on a not-for-profit basis, and offers;\n\u2022 Better protection and higher payouts that increase over time, so that claimants \ncan better afford their basic long-term care needs; and \n\u2022 Protection for life.\nAny CareShield Life policyholder who wishes to obtain higher long-term care \ninsurance coverage can also purchase Supplements."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 4bb13ddb-ed30-48c2-b9f5-58d56df02ead
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"4bb13ddb-ed30-48c2-b9f5-58d56df02ead\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"326c5947-d084-41d5-bf0a-f6840abf2666\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"5d64b7c6a846692831cb4240b4355e865191173269b4319a94600e74bfd9d742\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"dd245827-fe1e-4c0a-9b1c-4a42223da7e7\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"d5d79134776c478f39b60830a4fdb279246dede7854c10483222ba48fb689a3b\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 773519, \"end_char_idx\": 777921, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Any CareShield Life policyholder who wishes to obtain higher long-term care \ninsurance coverage can also purchase Supplements. Supplements are plans which \ncomplement one\u2019s basic CareShield Life plan by offering additional benefits, such as \nhigher monthly payout amounts, which enhances the coverage. \nCareShield Life premium \nsubsidies and supportTo ensure that no one will lose CareShield Life coverage due to genuine inability to \npay, the Government provides the following premium subsidies and support:\n\u2022 Means-tested premium subsidies of up to 30% of premiums of CareShield Life, \nto help lower- to middle-income households.\n\u2022 Participation incentives of up to $2,500 for Singapore Citizens, if they join \nCareShield Life by 31 December 2023, to encourage those born in 1979 or \nearlier to join CareShield Life.\n\u2022 Additional participation incentives of $1,500 for Merdeka and Pioneer \nGeneration citizens if they join CareShield Life by 31 December 2023.\n\u2022 Additional Premium Support for Singaporeans who are unable to pay their \nCareShield Life premiums even after premium subsidies, so that no one will lose \ncoverage under CareShield Life due to genuine inability to pay premiums.\nEnhanced benefits under \nCareShield LifeCareShield Life features higher payouts that increase over time with no cap on \npayout duration, to provide better protection against the uncertainty of long-term \ncare costs in the event of severe disability. \n\u2022 Lifetime cash payouts for as long as the policyholder is severely disabled.\n\u2022 Payouts increase until age 67 or when a claim is made, whichever is earlier, with \npayouts starting at S$600 per month in 2020.\nCareShield Life Premiums \u2022 The CareShield Life scheme makes use of pre-funded premiums i.e. the insured \nCPF members pay more than the cost of their health risk, while they are \nyounger, to cover for the higher risk in their later years.\n\u2022 For Singapore Residents born 1980 or later (future cohorts),  premiums are paid \nfrom the age of enrolment until age 67. Premiums will increase over time, to \nsupport payout increases.\n\u2022 Singapore Residents born in 1979 or earlier (existing cohorts) will pay a base \npremium.\n\u2022 Fully payable by MediSave.\n\n35\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nEligibility Criteria for \nPayment of CareShield Life \nBenefitsSimilar to that of ElderShield.\nOther key features of \nCareShield Life\u2022 Guaranteed renewable on an annual basis.\n\u2022 Worldwide coverage.\n\u2022 Minimum entry age of 30 years old, but no maximum entry age.\n\u2022 CareShield Life policy will be terminated if the insured is no longer a Singapore \nCitizen or SPR.\n\u2022 No cash surrender value.\nOther healthcare financing \nschemes set up by the \nSingapore government\u2022 Pioneer Generation Package;\n\u2022 Merdeka Generation Package;\n\u2022 Interim Disability Assistance Programme For The Elderly (IDAPE);\n\u2022 ElderFund and\n\u2022 Medifund.\n\u2022 COVID-19 Medical Bills\nInterim Disability \nAssistance Programme For \nThe Elderly (IDAPE)\u2022 IDAPE was launched by the Government to take care of Singaporeans who were \nnot eligible to join the ElderShield scheme, when it was launched in September \n2002, either because they exceeded the maximum entry age or they had a pre-\nexisting disability.\nSingaporean will qualify for IDAPE if:\n\u2022 He is unable to perform three or more of the 6 Activities of Daily Living (ADL) - \nwashing, feeding, dressing, toileting, mobility and transferring.\n\u2022 He is a Singapore citizen born before 30 September 1932 OR born between \n1 October 1932 and 30 September 1962 (both dates inclusive) but with pre-\nexisting disabilities as at 30 September 2002.\n\u2022 His per capita household monthly income is $2,800 or less OR he has no \nhousehold income and is living in a residence with Annual Value of $13,000 and \nbelow.\nIDAPE Payout\n*An IDAPE applicant from a household with no income will qualify for the S$250 \nmonthly payout if the annual value of his place of residence is S$13,000 or lower.\nElderFund ElderFund is a discretionary assistance scheme launched on 31 January 2020. It is \ntargeted at severely disabled lower-income Singapore Citizens aged 30 and older, \nwho are not able to benefit from CareShield Life, ElderShield, and the Interim \nDisability Assistance Programme for the Elderly (IDAPE), have low MediSave \nbalances and have inadequate personal savings to meet their long-term care needs.\nMediFund MediFund is an endowment fund set up by the Government."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: dd245827-fe1e-4c0a-9b1c-4a42223da7e7
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"dd245827-fe1e-4c0a-9b1c-4a42223da7e7\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"4bb13ddb-ed30-48c2-b9f5-58d56df02ead\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"bacd3de0b33b08e5537fec5f7bb0620e4a41d50dabb41909aeb9726cc28dc6f5\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"b6e84fdd-6f9d-4d0f-9d92-3083cd15c1d8\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"5739ae5dea57b2b35ff37efa63b164452bc207ab5dbbae82649cc869eaeaa831\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 777857, \"end_char_idx\": 784112, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "MediFund MediFund is an endowment fund set up by the Government. It provides a safety net \nfor needy Singaporeans who face difficulties paying for their remaining healthcare \nbills after Government subsidies, insurance and MediSave.Per Capita Household Income*IDAPE Payout\n(With Effect From 1 July 2013)\n(a) S$0 to S$2,000 (a) S$250 per month for up to 72 \nmonths\n(b) S$2,001 to S$2,800 (b) S$150 per month for up to 72 \nmonths\n\n9. Part II Healthcare Financing  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                    203  \n0      CHAPTER 9  \nPART II  \nHEALTHCARE FINANCING  \n \n \n \nCHAPTER OUTLINE  \n \n6. ElderShield & ElderShield Supplements  \n7. CareShield Life & CareShield Life Supplements  \n8. Other Healthcare Financing Schemes Set Up By The Singapore Government  \n \n \nLEARNING OUTCOMES  \n \nAfter studying this chapter, you should be able to:  \n\u25aa describe how ElderShield and ElderShield Supplements work  \n\u25aa explain the shift from ElderShield to CareShield Life  \n\u25aa describe the enhanced benefits under CareShield Life  \n\u25aa describe other healthcare financing schemes set up by the Singapore \nGovernment:  \n- Pioneer Generation Package  \n- Merdeka Generation Package  \n- Interim Disability Assistance Programme for the Elderly  (IDAPE)   \n- ElderFund  \n- MediFund  \n- COVID -19 Medical Bills  paid by the Singapore Government  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n\nHealth Insurance   \n \n204 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] Contents  \nCHAPTER OUTLINE  ................................ ................................ ................................ ................................ ...........  203 \nLEARNING OUTCOMES  ................................ ................................ ................................ ................................ .... 203 \n6. ELDERSHIELD  & ELDERSHIELD SUPPLEMENTS  ................................ ................................ ...................  205 \nA. Eligibility Criteria For Payment Of ElderShield Benefits  ................................ ...............................  206 \nA1.  Meets The Waiting Period Requirement  ................................ ................................ ...............  206 \nA2. Unable To Perform The Specified Number Of Activities Of Daily Living As Defined  ........  206 \nA3. Meets The Deferment Period Requirement ................................ ................................ ...........  207 \nB. How To Make A Claim Under ElderShield?  ................................ ................................ ...................  207 \nC. How Are ElderShield Benefits Paid? ................................ ................................ ...............................  207 \nD. Non-Forfeiture Feature  ................................ ................................ ................................ ....................  208 \nE. Other Key Features Of ElderShield  ................................ ................................ ................................ . 208 \nF. Exclusions  ................................ ................................ ................................ ................................ ........  208 \nG. Termination Of Cover  ................................ ................................ ................................ ......................  209 \nH. Government Administration of ElderShield  ................................ ................................ ..................  209 \n7. CARESHIELD LIFE AND CARESHIELD LIFE SUPPLEMENTS  ................................ ................................ . 210 \nA. Coverage  ................................ ................................ ................................ ................................ ..........  211 \nB. Benefits Under CareShield Life  ................................ ................................ ................................ ....... 211 \nC. CareShield Life Premiums  ................................ ................................ ................................ ...............  212 \nD. Pioneer and Merdeka Generation Incentives  ................................ ................................ .................  213 \nE. Eligibility Criteria for Payment of CareShield Life Benefits  ................................ ..........................  214 \nE1. Unable To Perform The Specified Number Of Activities Of Daily Living As Defined  ........  214 \nE2. Meets The Deferment Period Requirement ................................ ................................ ...........  214 \nF. How to Make a Claim Under CareShield Life?  ................................ ................................ ...............  214 \nG. Other Key Features of CareShield Life  ................................ ................................ ...........................  214 \n8. OTHER HEALTHCARE FINANCING SCHEMES SET UP BY THE SINGAPORE GOVERNMENT  ...........  215 \nA. Pioneer Generation Package  ................................ ................................ ................................ ...........  215 \nA1. Outpatient Care  ................................ ................................ ................................ .......................  215 \nA2. MediShield Life  ................................ ................................ ................................ .......................  215 \nA3. MediSave Top -ups ................................ ................................ ................................ ..................  215 \nA4. Pioneer Generation Disability Assistance Scheme  ................................ ...............................  216 \nA5. CareShield Life  ................................ ................................ ................................ ........................  216 \nB. Merdeka Generation Package  ................................ ................................ ................................ .........  216 \nB1. Passion Silver Card Top -Ups................................ ................................ ................................ .. 216 \nB2. MediSave Top -Ups ................................ ................................ ................................ .................  217 \nB3."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: b6e84fdd-6f9d-4d0f-9d92-3083cd15c1d8
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"b6e84fdd-6f9d-4d0f-9d92-3083cd15c1d8\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"dd245827-fe1e-4c0a-9b1c-4a42223da7e7\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"d5d79134776c478f39b60830a4fdb279246dede7854c10483222ba48fb689a3b\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"6bd77537-2484-4a07-9f70-98ce8fd6cfb2\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"25a48f638d6ca592a95e0d9aa1ec8160744e8afba81bf9ab0ddcce23563cf7b1\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 783829, \"end_char_idx\": 788777, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Passion Silver Card Top -Ups................................ ................................ ................................ .. 216 \nB2. MediSave Top -Ups ................................ ................................ ................................ .................  217 \nB3. Outpatient Care  ................................ ................................ ................................ .......................  217 \nB4. MediShield Life  ................................ ................................ ................................ .......................  217 \nB5. CareShield Life  ................................ ................................ ................................ ........................  217 \nC. Interim Disability Assistance Programme For The Elderly (IDAPE)  ................................ .............  217 \nD. ElderFund  ................................ ................................ ................................ ................................ .........  218 \nE.  MediFund  ................................ ................................ ................................ ................................ .........  219 \nF.  COVID -19 Medical Bills  ................................ ................................ ................................ ....................  219 \n \n\n\n9. Part II Healthcare Financing  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                    205  \n \n6. ELDERSHIELD & ELDERSHIELD SUPPLEMENTS  \n \n6.1 ElderShield  is a long -term care  insurance scheme launched in September 2002.  \nIt provides basic financial protection to those who need long -term care, \nespecially during old age.  \n \n6.2 Unlike MediShield Life, which is compulsory for all, ElderShield  is an opt -out \nscheme. That means that all Singaporeans and Permanent Residents (PRs) can \nchoose to opt -out of the insurance scheme if they wish to. For new cohorts born \nin 1980 and after, they would be enrolled into CareShield Life instead of \nElderShield on 1 Oct 2020 or when they turned 30, whichever is later. Those \nborn in 1979 or earlier have the option to enroll in CareShield Life.  \n \n6.3 Premiums  can be paid fully through MediSave . There are currently two \nElderShield schemes, namely ElderShield300 and Elder Shield400.  \nElderShield300 was launched on 30 September 2002 offering a cash payout of \nS$300 per month for a maximum of 60 months. ElderShield400 was introduced \nin 2007 offering an improved coverage with cash payout of S$400 per month \nfor a maximum of 72 months.  Singapore Citizens and SPRs who join \nElderShield after 30 September 2007 will be on the ElderShield400 scheme.  \n \n6.4 Before 1 November 2021, the Government had appointed three private insurers, \nAviva Ltd (now known as Singlife with Aviva), Great Eastern  Life Assurance Co \nLtd and  Income Insurance Limited , to offer ElderShield. Any CPF member who \nis a Singapore Citizen or SPR and who attains the age of 40 years is \nautomatically covered under the scheme if he/she d oes not opt out. No \nregistration or medical assessment is needed. SCs or SPRs between the ages \nof 40 and 64 can also choose to opt in to the ElderShield scheme, but with \nmedical underwriting.  \n \n6.5 The Government had taken over the ElderShield  administration from 1 \nNovember 2021 and ElderShield had become a closed scheme from 1 August \n2021 onwards. New cohorts born in 1980 or later were covered under \nCareShield Life from 1 Oct 2020 (more details in Section 7 of this Chapter), but \nSingapore Citi zens and SPRs born in 1979 or earlier could still opt in to the \nElderShield scheme up till 1 Aug 2021 if they are below 65. Existing ElderShield \npolicyholders could continue to remain covered under the scheme with no \nchanges to their coverage and benefits.  \n \n6.6 It should be noted  that any existing ElderShield insured who wishes to obtain \nhigher severe disability insurance coverage can purchase ElderShield \nSupplement s. ElderShield Supplement plans complement the current \nElderShield scheme , by offering additional  benefits at different pricing levels \nwhich increase the insured\u2019s coverage through:  \n(a) increasing the monthly payout;  \n(b) extending the payout period; or  \n(c) a combination of both.  \n \n \n\n\nHealth Insurance   \n \n206 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] 6.7 To purchase and maintain an ElderShield  Supplement, an insured must have \nan ElderShield policy. Premiums for ElderShield Supplement can be paid using \nMediSave (up to a limit of S$600 per insured per calendar year) and/or by cash. \nAs ElderShield and ElderShield Supplements are structured as stan d-alone \npolicies, claims can be made under both policies if the insured fulfils the claim \neligibility criteria. The Supplement plans are only offered by the three approved \ninsurers who were administering ElderShield prior to 1 November 2021."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 6bd77537-2484-4a07-9f70-98ce8fd6cfb2
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"6bd77537-2484-4a07-9f70-98ce8fd6cfb2\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"b6e84fdd-6f9d-4d0f-9d92-3083cd15c1d8\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"5739ae5dea57b2b35ff37efa63b164452bc207ab5dbbae82649cc869eaeaa831\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"982aea64-9b6b-4a8f-bd02-711106c20d25\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"467d95ba164eb5bd1eb6c61584e64e7aa827cd2288a8f7e7cb05637bc45afbce\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 788647, \"end_char_idx\": 792758, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "The Supplement plans are only offered by the three approved \ninsurers who were administering ElderShield prior to 1 November 2021.  \n \nA. Eligibility Criteria For Payment Of ElderShield Benefits  \n \nA1.  Meets The Waiting Period Requirement  \n \n6.8 There is a waiting period of 90 days from the policy commencement date. The \nbenefit will not be payable if the insured becomes disabled in the first 90 days \nof coverage. Instead, the insurer will terminate the policy and refund all the \npremiums paid. However, the waiting period does not apply if the disablement \nis due solely to an accident.  The waiting period is waived for policyholders who \nwere auto enrolled . \n \nA2. Unable To Perform The Specified Number Of Activities Of Daily Living As \nDefined   \n \n6.9 The ElderShield scheme will pay a monthly benefit of either S$300 up to 60 \nmonths, or S$400 up to 72 months, depending on the type of the scheme in \nwhich the CPF member is  covered. It pays the benefits  if the insured is unable  \nto perform  at least three of the  six Activities of Daily Living (ADLs)  as illustrated \nin the diagram below : \n \n \n \n \n \n \n \n \n \n6.10 The ADLs are defined as below:  \n(a) Washing  \u2013 the ability to wash in the bath or shower (including getting into \nand out of the bath or shower) or wash by other means.  \n(b)  Dressing  \u2013 the ability to put on, take off, secure and unfasten all garments \nand, as appropriate, any braces, artificial limbs or other surgical and \nmedical appliances.  \n(c)  Feeding  \u2013 the ability to feed oneself after the food has been prepared and \nmade available.  \n(d)  Toileting  \u2013 the ability to use the lavatory or manage bowel and bladder \nfunction through the use of protective un dergarments (e.g. diapers) or \nsurgical appliances (e.g. urinary catheters) if appropriate.  \n(e) Mobility  \u2013 the ability to move indoors from room to room on level \nsurfaces.  \nWashing  \nDressing  \nFeeding  \nMobility  \nTransferring  \nToileting  \nActivities of Daily  Living (ADLs)  \n\n9. Part II Healthcare Financing  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                    207  \n(f)  Transferring \u2013 the ability to move from a bed to an upright chair or \nwheelchair,  and vice versa.  \n \nA3. Meets The Deferment Period Requirement  \n \n6.11 There is a deferment period of 90 days starting from the claim date, i.e.  the date \nthat the claim application is received by the AIC. If the insured is still disabled \nafter this period, he will then be eligible for the benefit, provided that he satisfies \nthe other conditions as specified in the policy. If he recovers from the d isability \nwithin the period, then no benefits are payable.  \n \n6.12 However, the deferment period will not apply if the insured suffers a relapse \nfrom the same cause  within 180 days of recovery, provided that  he has been \ndisabled for at least 90 days during the first disability.  \n \nB. How To Make A Claim Under ElderShield?  \n \n6.13 To make a claim, the insured needs to complete a claim form. In the event that \nhe is not able to complete it on his own, his immediate family member or \ncaregiver may do so on his behalf.  \n \n6.14 Next, he has to make an appointment with an MOH -accredited severe disability \nassessor to have a disability assessment done. The assessor will then complete \nthe assessment form and return it to the insurer for processing.  The list of \naccredited assessors can be found on the Agency for Integrated Care (AIC)\u2019s \nwebsite.  \n \n6.15 It will cost S$ 100 for an assessment at the assessor\u2019s clinic, and S$ 250 if the \ninsured requires the assessor to make a house call. The fees for the initial or \nsubsequent assessments will be reimbursed to the insured,  by the insurer , if \nthe claim is assessed to be payable.  \n \nC. How Are ElderShield Benefits Paid?  \n \n6.16 As mentioned earlier, the ElderShield benefits are payable on a monthly basis. \nThe premium under the policy will be waived during the benefit payout period. \nIf an insured recovers from his disability, the monthly cash payout will stop and \nthe premium payme nt will re -commence."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 982aea64-9b6b-4a8f-bd02-711106c20d25
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"982aea64-9b6b-4a8f-bd02-711106c20d25\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"6bd77537-2484-4a07-9f70-98ce8fd6cfb2\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"25a48f638d6ca592a95e0d9aa1ec8160744e8afba81bf9ab0ddcce23563cf7b1\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"4d8f75ab-50e3-49a5-bc0b-50f78bf8d020\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"36fa54c9d145f878c63275fdb96e7525033482a921dd5c28a8eaf56c0006cf7d\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 792557, \"end_char_idx\": 796872, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "The premium under the policy will be waived during the benefit payout period. \nIf an insured recovers from his disability, the monthly cash payout will stop and \nthe premium payme nt will re -commence. However, if he becomes disabled \nagain some years later, he can still make a claim under his policy, as long as he \nhas not claimed more than 60 months or 72 months in total, depending on the \nElderShield plan under which the insured is c overed. The cash payout under \nthis scheme is not tied to institutional care, and can be used to pay for any \nexpenses, such as home nursing services, nursing home stay, day \nrehabilitation, medical bills, or household expenses, etc.  \n \n  \n\n\nHealth Insurance   \n \n208 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] D. Non-Forfeiture Featur e \n \n6.17 ElderShield premiums are pre -funded. This enables the policy to acquire a \nreserve. The accumulated reserve enables the insured to enjoy reduced benefits \n(i.e. the policy will be converted into a paid -up policy) if he decides to stop \npaying his premiums after the policy has been in force for a number of years.  \n \n6.18 For example, an insured who joins ElderShield  at the age of 40 years will be \neligible for a reduced benefit of around S$100 per month if he decides to stop \npaying his premiums 11 years after the policy has been in force.  \n \nE. Other Key Features Of ElderShield  \n \n6.19 The other key features of the ElderShield scheme are described below : \n(a) It is guaranteed renewability on an annual basis.  \n(b) It provides worldwide coverage.  \n(c) It has minimum (i.e. 40 years old) and maximum entry age (i.e. 64 years \nold).  \n(d) A grace period of 75 days is allowed for payment of the overdue \npremiums.  \n(e) Reinstatement of the policy is allowed within 180 days from the expiry of \nthe grace period, subject to evidence of insurability at the insured\u2019s \nexpense and payment of the overdue premiums with interest.  \n(f) The insurer has the right to appoint an assessor to examine the insured \nperiodically.  \n(g) Where the insured is overseas at the time of a claim, the insurer has the \nright to commute the benefit payments to a single payment reflecting the \npresent value  of future benefit payments, or withhold the claim payment \nif it is unable to assess the claim after having made reasonable attempts \nto do so.  \n(h) There is no cash surrender value.  \n(i) There is a free -look period of 60 days from the policy commencement date \nduring  which the insured may cancel his policy and  receive a full refund \nof the premiums  paid. \n \nF. Exclusions  \n \n6.20 The ElderShield  policy does not cover any disability arising directly or \nindirectly, wholly or partly, from any one of the following occurrences:  \n(a) self-inflicted injury , suicide  or attempted suicide ; \n(b) alcoholism or drug addiction ; or \n(c) war, whether declared or undeclared.  \n \n6.21 CPF members who are  suffering from pre -existing disabilities , will not be \ncovered under ElderShield.   \n \n\n9. Part II Healthcare Financing  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                    209  \nG. Termination Of Cover  \n \n6.22 The cover under the ElderShield  policy will be terminated upon the happening \nof any one of the following events:  \n(a) expiry of the grace period if the ElderShield policy is not eligible for the \nnon-forfeiture benefit (i.e. it has been in force for too short a period for it \nto acquire suffic ient reserves to be converted into a paid -up policy);  \n(b) death of the insured;  \n(c) date in which the last benefit payment has been received; or  \n(d) date in which the written notice from the insured to cancel the policy is \nreceived by the insurer (if the policy does not have sufficient reserves, it \nwill not be converted into a paid -up policy).  \n \nH. Government Administration of ElderShield  \n \n6.23 From 1 November 2021, the Government has taken over the administration of \nElderShield from private insurers (Singlife with Aviva,  Great Eastern Life \nAssurance Co Ltd, and  Income Insurance Limited ). This allow ed ElderShield \npolicyholders to upgrade to CareShield  Life more smoothly, and benefit from \nimprovements to the claims assessment process that is being  implemented for \nCareShield Life."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 4d8f75ab-50e3-49a5-bc0b-50f78bf8d020
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"4d8f75ab-50e3-49a5-bc0b-50f78bf8d020\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"982aea64-9b6b-4a8f-bd02-711106c20d25\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"467d95ba164eb5bd1eb6c61584e64e7aa827cd2288a8f7e7cb05637bc45afbce\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"d3d27ba3-4d51-48ae-aae5-309b0af18872\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"07824f487384bb8869f7cc3a7045015f83f88cf29dc5748814d18bd1c78069c8\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 796673, \"end_char_idx\": 801015, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "This allow ed ElderShield \npolicyholders to upgrade to CareShield  Life more smoothly, and benefit from \nimprovements to the claims assessment process that is being  implemented for \nCareShield Life.  \n \n6.24 ElderShield policyholders that did not upgrad e to CareShield Life remain s \ncovered by their existing ElderShield policies. T he Government administer s the \nElderShield scheme on a not -for-profit basis. In the event that the actual claims \nexperience turns out better than expected, there will continue to be premium \nrebates for ElderShield policyholders.  \n \n6.25 Holders of ElderShield Supplements were not  affected. They continue to be \nserved by their existing ElderShield Supplement insurers.  \n \n6.26 With the launch of CareShield Life for existing cohorts on 6 November 2021, \nElderShield no longer accepted new applications.  \n \n  \n\nHealth Insurance   \n \n210 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] 7.  CARESHIELD LIFE AND CARESHIELD LIFE SUPPLEMENTS  \n \n7.1 CareShield Life was introduced in 2020, as an enhancement of ElderShield and \nis administered by the Government. As Singapore\u2019s population ages and more \npeople need long -term care, the role of risk -pooling via insurance was \nstrengthened to help Singaporeans better prepare for their long -term care \nneeds.  \n \n7.2 CareShield Life provides worldwide coverage with lifetime payouts . \nSingaporeans will continue to be covered for life once they have completed \npaying all their premiums, which will happen in the year they turn age 67 or 10 \nyears after they join the scheme, whichever is later. Regardless of the place of \nresidence, Singapo reans will remain covered, and be able to make a claim and \nreceive payouts, if they are severely disabled and continue to pay their \npremiums.  \n \n7.3 In order to make a claim, the insured  need s to be assessed by a  MOH -accredited \nsevere disability assessor  as bein g unable to perform at least  three out of the \nsix Activities of Daily Living (ADLs).  \n \n7.4 CareShield  Life is administered by the Government on a not -for-profit basis, \nand offers:  \n\u25aa better protection and higher payouts that increase over time, so that \nclaimants c an better afford their basic long -term care needs;  \n\u25aa protection for life;  \n \n7.5 To ensure that no one will lose CareShield Life coverage due to genuine inability \nto pay, the Government provides the following premium subsidies and support:  \n\u25aa Means -tested premium s ubsidies of up to 30% of premiums of CareShield \nLife, to help lower - to middle -income households.  \n\u25aa Participation incentives of up to $2,500 for Singapore Citizens, if they join \nCareShield Life by 31 December 2023, to encourage those born in 1979 or \nearlier to join CareShield Life.  \n\u25aa Additional participation incentives of $1,500 for Merdeka and Pioneer \nGeneration citizens if they join CareShield Life by 31 December 2023.  \n\u25aa Additional Premium Support for Singaporeans who are unable to pay their \nCareShield Life pre miums even after premium subsidies, so that no one will \nlose coverage under CareShield Life due to genuine inability to pay \npremiums.  \n \n7.6 ElderShield  became a closed scheme from 1 August 2021. However, existing \nElderShield300 and ElderShield400 policyholders can continue participating in \nthe ElderShield scheme with no change to their benefits and coverage, unless \nthey choose to join CareShield Life.  \n \n7.7 It is important to note that any CareShield Life policyholder who wishes to \nobtain higher long -term care insurance coverage can also purchase \nSupplements . Supplements are plans which complement one\u2019s basic \n\n9. Part II Healthcare Financing  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                    211  \nCareShield  Life plan by offering additional benefits, such as higher monthly \npayout amounts, which enhances the coverage.  \n \n7.8 An insured  must have a CareShield Life or ElderShield policy in order to \npurchase a Supplement (might vary by insurer). Premiums for Supplement s can \nbe paid using MediSave (up to a limit of S$600 per insured per calendar year) \nand/or by cash. As CareShield Life and Supplements are structured as stand -\nalone policies, claims can be made under both policies if the insured fulfils the \nclaim eligibili ty criteria."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: d3d27ba3-4d51-48ae-aae5-309b0af18872
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"d3d27ba3-4d51-48ae-aae5-309b0af18872\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"4d8f75ab-50e3-49a5-bc0b-50f78bf8d020\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"36fa54c9d145f878c63275fdb96e7525033482a921dd5c28a8eaf56c0006cf7d\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"545d3be8-5aa0-460f-989a-6ada99b342be\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"802c814d0ec454b3ab544e8506e4c374b63190097b69c0cb73d9a83afae21f42\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 800843, \"end_char_idx\": 804897, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "As CareShield Life and Supplements are structured as stand -\nalone policies, claims can be made under both policies if the insured fulfils the \nclaim eligibili ty criteria. The Supplement plans are currently only offered by the \nthree insurers (Great Eastern, Income Insurance Limited , Singlife with Aviva) \nwho were previously administering ElderShield.  \n \nA. Coverage  \n \n7.9 For Singapore Citizens and SPRs born in 1980 or later, CareShield Life is \ncompulsory. There is no need to apply for CareShield Life. They will be \nautomatically covered on their 30th birthday or when the scheme was launched \nin October 2020 , whichever is lat er, even if they have pre -existing disabilities. \nThe following are worth noting:  \n\u25aa There was a one -time enrollment of Singapore Citizens and SPRs born \nbetween 1980 and 1989 (i.e. age 31 to 40 in 2020).  \n\u25aa Similarly,  Singapore Citizens and SPRs  born in 1980 or later  will be \nautomatically covered under CareShield Life  regardless of their disability \nstatus . \n \n7.10 For Singapore Citizens and SPRs born in 1979 or before , joining CareShield Life \nis optional. They can choose to apply to join CareShield Lif e from 6 November \n2021 onwards as long as they do not have any pre -existing severe disability. \nThey can still join the scheme if they have pre -existing conditions (e.g. diabetes, \nhypertension). There is no age limit to join CareShield Life. However, once t hey \njoin CareShield Life, they will not be able to leave the scheme after the 60 -day \nfree look period expires. The following are worth noting:  \n\u25aa To increase the convenience of joining, Singapore Citizens and SPRs born \nbetween 1970 and 1979, and who are insur ed under ElderShield400, had \nbeen auto -enrolled into CareShield Life from 1 December 2021. They have \nup to 31 December 2023 to opt -out of the scheme. If they opt -out, they will \nbe reinstated onto ElderShield400.  \n\u25aa Unlike existing Singapore Citizens and SPRs born in 1979 or before, new \nSingapore Citizens and SPRs will be mandated to join CareShield Life, as \nlong as they do not have any pre -existing severe disability.  \n \nB. Benefits Under CareShield Life  \n \n7.11 CareShield Life feature s higher payouts that increase over time with no cap on \npayout duration, to provide better protection against the uncertainty of long -\nterm care costs in the event of severe disability. The following points are worth \nnoting:  \n\u25aa Lifetime cash payouts are given for as long as the policyholder is severely \ndisabled  \n\nHealth Insurance   \n \n212 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] \u25aa Payouts increase  annually  until age 67 or when a  successful  claim is made, \nwhichever is earlier , with payouts starting at S$600 per month in 2020  \n   \n7.12 For more details on the estimated monthly payouts appli cable, please refer to \nhttps://www.moh.gov.sg/careshieldlife/about -careshield -life  \n \nC. CareShield Life Premiums  \n \n7.13 The CareShield  Life scheme makes use of pre -funded premiums i.e.  the insured \nCPF members pay more than the cost of their health risk, while they are \nyounger, to cover for the higher risk in their later years. Insured CPF members \nwill pay premiums until the year they turn age 67 or  for 10 years, whichever is \nlonger , but will remain insured for life, even after completion of the premium \npayments. Premiums are  not guaranteed  and are subject to review. The \npremiums are fully payable by MediSave . \n \n7.14 For Singapore Residents born 1980 or later (future cohorts), premiums are paid  \nfrom the age of enrolment until age 67. Premiums will increase over time, to \nsupport payout increases. For the first five years of CareShield Life\u2019s \nimplementation, payouts and premiums will both increase by 2% per year.  \nBeyond 2025, an independent CareSh ield Life council will advise the \nGovernment on premium and payout adjustments based on actuarially sound \nadjustment framework.  \n \n7.15 Singapore Residents born in 1979 or earlier (existing cohorts) will pay a base \npremium."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 545d3be8-5aa0-460f-989a-6ada99b342be
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"545d3be8-5aa0-460f-989a-6ada99b342be\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"d3d27ba3-4d51-48ae-aae5-309b0af18872\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"07824f487384bb8869f7cc3a7045015f83f88cf29dc5748814d18bd1c78069c8\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"5f13b678-a4d7-4b27-9939-2b9fbf6468dd\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"d59197021d01ffccda702a9b0507a37631281e0677062c50979464d813dd1bab\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 804804, \"end_char_idx\": 809053, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "7.15 Singapore Residents born in 1979 or earlier (existing cohorts) will pay a base \npremium. The bas e premium is generally paid from the age of enrolment until \nage 67, but Singapore residents who join at age 59 or older in 2021 will be able \nto spread their catch -up premiums over 10 years, beyond age 67. Other points \nin this regard are as follows:  \n \n\u25aa Base premiums will increase over t ime to support payout increases, until \nthe year policyholders turn 67. Premiums and payouts do not increase after \nthe year policyholders turn 67. For the first five years of CareShield Life\u2019s \nimplementation, payouts and base premiums for policyholders age 67 and \nbelow will both increase by 2% per year.  \n \n\u25aa ElderShield 400 policyholders  who have been consistently on an \nElderShield policy (i.e. never opted out, or upgraded from ElderShield 300 \nto ElderShield 400 in 2007 when they had the chance to) will only pay  the \nbase premium each year, if they join CareShield Life in 2021.   \n \n\u25aa Other groups, including existing ElderShield 300 policyholders, existing \nElderShield 400 policyholders who joined later than 2021 as well as those \nnot insured under ElderShield, will need  to pay an additional catch -up \ncomponent (which differs for each group), as they would not have paid as \nmuch premiums as those in their same cohort who are insured under the \nElderShield 400 scheme and joined in 2021. The catch -up component will \nbe paid ove r 10 years and will remain flat. \n \nThe diagram below further illustrates the points highlighted above.  \n\n9. Part II Healthcare Financing  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                    213  \n \n \n7.16 Singapore Residents may obtain estimates of the premiums and subsidies \nthrough the online premium calculator, available at www.careshieldlife.sg .  \n \n7.17 CareShield Life premiums can be fully payable by MediSave. Subs idies and \nsupport are available to make sure the premiums remain affordable, so the \ninsured does not need to worry about losing coverage if he/she has an genuine \ninability to pay premiums.  \n \nD. Pioneer and Merdeka Generation Incentives  \n \n7.18 Pioneer  and Merdeka Generation seniors who join CareShield Life by 31 Dec \n2023, will receive additional Pioneer Merdeka Generation incentives of S$1,500, \nspread over 10 years (total incentives of S$4,000 for MG and PG members).  \n \n7.19 Pioneer Generation Seniors refer to living Singapore Citizens born on or before \n31 December 1949 and obtained citizenship on or before 31 December 1986. \nMerdeka Generation Seniors refers to : \n(i) living Singapore Citizens who were born from 1 January 1950 to 31  \nDecember 1959 and had obtained citizenship on or before 31 December \n1996; and  \n(ii) those who were born on or before 31 December 1949, had obtained \ncitizenship on or before 31 December 1996 and  do not receive the Pioneer \nGeneration Package.  \n \n  \nNote: Existing Cohorts who join CareShield Life at age of 59 or older will end their premium payment after age 67 as \nthey will have a 10 -year premium payment term.  \nDiagram not drawn to scale  Illustration of Base Premium and Catch -up Component Payable b y Singapore Residents from Existing \nCohorts who join CareShield Life  \n\nHealth Insurance   \n \n214 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] E. Eligibility Criteria for Payment of CareShield Life  Benefits   \n \n7.20 The eligibility criteria for CareShield Life benefits is similar to that of \nElderShield . \n \nE1. Unable To Perform The Specified Number Of Activities Of Daily Living As \nDefined   \n \n7.21 CareShield Life will pay a monthly benefit of at least S$600 for as long as the \ninsured is severely disabled. It pays the benefits if the insured is unable to \nperform at least three of the six Activities of Daily Living (ADLs)  as defined .   \n \nE2. Meets The Deferment Period Requirement  \n \n7.22 There may be  a deferment period of 90 days starting from the claim date, i.e.  \nthe date that the claim application is received by the AIC. If the insured is still \ndisabled after this period, he will then be eligible for the benefit, provided that \nhe satisfies the other conditions as specified in the policy."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 5f13b678-a4d7-4b27-9939-2b9fbf6468dd
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"5f13b678-a4d7-4b27-9939-2b9fbf6468dd\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"545d3be8-5aa0-460f-989a-6ada99b342be\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"802c814d0ec454b3ab544e8506e4c374b63190097b69c0cb73d9a83afae21f42\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"6a71978b-5447-4426-9243-81a957675047\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"2feff8788160301b218d3d713723030f5eb4fe1d69d9fe9fb1097635c2f64fd6\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 808822, \"end_char_idx\": 812838, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "the date that the claim application is received by the AIC. If the insured is still \ndisabled after this period, he will then be eligible for the benefit, provided that \nhe satisfies the other conditions as specified in the policy.  \n \nF. How to Make a Claim U nder CareShield Life?  \n \n7.23 To make a claim, the insured needs to submit a claim application to the A gency \nof Integrated Care  (AIC) . In the event that he is not able to complete it on his \nown e.g. if he lacks mental capacity , his donee/deputy/ immediate  family \nmember or caregiver may do so on his behalf.  \n \n7.24 Next, he has to make an appointment with an MOH -accredited severe disability \nassessor to have a disability assessment done. The assessor will then complete \nthe assessment and submit it to AIC directly . The lis t of accredited assessors \ncan be found on AIC\u2019s website.  \n \n7.25 The fees for the first CareShield Life disability assessment are waived \nregardless of whether the claim is eventually assessed to be payable. \nThereafter, the fees for subsequent assessments will only be reimbursed to the \ninsured if the claim is assessed to be payable. More details on the applicable \nassessment fees can be found on AIC\u2019s website.  \n \nG. Other Key Features of CareShield Life  \n \n7.26 The other key features of the CareShield Life scheme are stated  below : \n(a) It is guaranteed renewab le on an annual basis.  \n(b) It provides worldwide coverage.  \n(c) It has a minimum entry age of 30 years old, but no maximum entry age.  \n(d) The CareShield Life policy will be terminated if the insured is no longer a \nSingapore Citizen or SPR.  \n(e) There is no cash surrender value . \n \n\n9. Part II Healthcare Financing  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                    215  \n8. OTHER HEALTHCARE FINANCING SCHEMES SET UP BY THE SINGAPORE \nGOVERNMENT  \n \n8.1 Besides the Government subsidies, MediSave  and insurance schemes as \ndiscussed above, the Government has also put in place a number of other \nschemes, to help Pioneers  not to mention  poor and needy Singaporeans. The \nschemes are as follows:  \n(a) Pioneer Generation  Package;  \n(b) Merdeka Generation Package;  \n(c) Interim Disability Assistance Programme For The Elderly (IDAPE ); \n(d) ElderFund and \n(e) Medifund.  \n(f) COVID -19 Medical Bills  \n \nA. Pioneer Generation Package   \n \n8.2 The Government introduced the Pioneer Generation Package  in 2014  to honour \nand thank the pioneers for their significant contributions in the early years of \nnation -building.   \n \n8.3 The \u201cPioneer Generation\u201d refers to living Singaporeans who meet two criteria, \nnamely:  \n(a) aged 16 years and above in 1965 (born on or before 31 December  1949, \nwhich also means that they were aged 65 years and above in 2014); and  \n(b) obtained citizenship on or before 31 December 1986.  \n \n8.4 The package  provides the benefits (as described below) which the Pioneer \nGeneration will enjoy for life.  \n \nA1. Outpatient Care  \n \n(a) Additional 50% off remaining bill for subsidised services and medications  \nat polyclinics and Specialist Outpatient Clinics.  \n(b) Special subsidies at participating GP and dental clinics under CHAS .  \n(c) Cash of S$1,200 a year for those with moderate to severe functional \ndisabilities under the Pioneer Generation Disability Assistance Scheme . \n \nA2. MediShield Life  \n \n8.5 Pioneers  will receive Pioneer Generation subsidies for MediShield Life .  \n \nA3. MediSave  Top-ups \n \n8.6 All Pioneers will receive annual MediSave top -ups for life, which range from \n$250 -$900 depending on birth cohort. These top -ups can be used to further \noffset premiums for Med iShield Life, ElderShield, and CareShield Life. Older \nPioneers with serious pre -existing conditions will receive additional MediSave \n\nHealth Insurance   \n \n216 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] top-ups of $50 -$200 from 2021 -2025, to help with their higher MediShield Life \npremiums.   \n \nA4."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 6a71978b-5447-4426-9243-81a957675047
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"6a71978b-5447-4426-9243-81a957675047\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"5f13b678-a4d7-4b27-9939-2b9fbf6468dd\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"d59197021d01ffccda702a9b0507a37631281e0677062c50979464d813dd1bab\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"3f6cee64-2f5c-44e5-8c9b-38cd1a4b4aff\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"132d600a6ab28d02be2a4e824627ca38ca90f9eb5fb5e774ecfe4dfc0dbd8616\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 812835, \"end_char_idx\": 816732, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "A4. Pioneer Generation Disability Assistance Scheme  \n \n8.7 This scheme is f or Pioneers who permanently need assistance in at least three \nof thes e ADLs :  \n\u25aa Eating  \n\u25aa Bathing  \n\u25aa Dressing  \n\u25aa Transferring  \n\u25aa Toileting  \n\u25aa Walking or moving around  \n \n8.8 Lifelong cash assistance of S$100 each month  is provided  to help Pioneers with \ntheir care expenses.  \n \nA5. CareShield Life  \n \n8.9 Pioneers will receive a participation incentive if they join CareShield Life within \nthe first two years of scheme launch . Do refer to earlier s ection  of this Chapter \nfor more information on this.  \n \nB. Merdeka Generation Package   \n \n8.10 The Government introduced the Merdeka Generation Package (MGP) in 2019 to \nhonour and thank our Merdeka Generation (MG) for their contributions. The \nMGP supports the aspirations of MG seniors in their silver years by helping \nthem to stay active and healthy, and providing them better peace of mind over \nfuture healthcare costs.  \n \n8.11 The \u201cMerdeka  Generation\u201d re fers to living Singaporeans who:  \n(a) were born from 1 January 1950 to 31 December 1959, and  \n(b) had obtained citizenship on or before 31 December 1996.  \n \n8.12 The MGP is also extended to living Singaporeans who:  \n(a) were born on or before 31 December 1949,  \n(b) had obtained citizenship on or before 31 December 1996, and  \n(c) do not receive the Pioneer Generation Package.  \n \n8.13 The package comprises the following benefits : \n \nB1. Passion Silver Card Top-Ups \n \n8.14 MG seniors  receive a one -time S$100 top -up to their PAssion Silver cards.  They \ncan use this to pay for use on active ageing programmes, public transport , \nentries to swimming pools and other purchases at all EZ -Link merchants.  \n\n9. Part II Healthcare Financing  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                    217  \nB2. MediSave Top-Ups \n \n8.15 MG seniors receive a MediSave top -up of $200 per year for five years, from 2019 \nto 2023.  This will help them save more for their healthcare needs. This is on top \nof the GST Voucher \u2013 MediSave top -ups that eligible seniors aged 65 and above \nreceive every year.  \n \nB3. Outpatient Care \n \n(a) Additional 25% off remaining bill for subsidised services and medications  \nat polyclinics and Specialist Outpatient Clinics .  \n(b) Special subsidies at participating GP and dental clinics under CHAS .  \n \nB4. MediShield Life  \n \n8.16 MG seniors receive Additional MediShield Life Premium Subsidies.   \n \nB5. CareShield Life  \n \n8.17 MG seniors will receive CareShield Life Additional Participation Incentives i.e. a \nparticipation incentive if they join CareShield Life within the first two years of \nscheme launch . Do refer to earlier section of this Chapter for more information \non this.  \n \nC. Interim Disability Assistance Programme For The Elderly (IDAPE)  \n \n8.18 IDAPE was launched by the Government to take care of Singaporeans who were \nnot eligible to join the ElderShield sch eme, when it was launched in September \n2002, either because they exceeded the maximum entry age or they had  a pre-\nexisting disability.  It is aimed at helping this group of people to cope with their \nmedical expenses, in the event that they suffer any severe  disability. Individuals \ncovered under the scheme need not pay any premiums.  \n \n8.19 A Singaporean will qualify for IDAPE if:  \n \n\u25aa He is unable to perform three  or more of the 6 Activities of Daily Living (ADL) \n- washing, feeding, dressing, toileting, mobility and transferring.  \n \n\u25aa He is a Singapore citizen born before 30 September 1932 OR born between \n1 October 1932 and 30 September 1962 (both dates inclusive) but with pre -\nexisting disabilities as at 30 September 2002.  \n \n\u25aa His per capita household monthly income is $2,800 or less OR he has no \nhousehold income and is living in a residence with Annual Value of $13,000 \nand below."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 3f6cee64-2f5c-44e5-8c9b-38cd1a4b4aff
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"3f6cee64-2f5c-44e5-8c9b-38cd1a4b4aff\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"6a71978b-5447-4426-9243-81a957675047\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"2feff8788160301b218d3d713723030f5eb4fe1d69d9fe9fb1097635c2f64fd6\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"16560c0d-3cf9-4993-aec2-b5743a8b4436\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"0ea76441ecfa4d3291817400213263d198be2b5c4bbeb1b2cb27cbfe93e3d065\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 816572, \"end_char_idx\": 820841, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "\u25aa His per capita household monthly income is $2,800 or less OR he has no \nhousehold income and is living in a residence with Annual Value of $13,000 \nand below.  \n \n  \n\nHealth Insurance   \n \n218 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] 8.20 The payment under the scheme is depende nt on the individual\u2019s per capita \nhousehold income as shown in Table 9.4. \n \nTable 9.4: IDAPE Payout  \n \nPer Capita Household Income * IDAPE Payout  \n(With Effect From 1 July 2013)  \n(a) S$0 to S$2,000  (a) S$250 per month for up to 72 months  \n(b) S$2,001  to S$2,800 (b) S$150 per month for up to 72 months  \n*An IDAPE applicant from a household with no income will qualify for the S$250 monthly \npayout if the annual value of his place of residence is S$13,000 or lower.  \n \nSource: MOH Website   \n \n8.21 IDAPE is currently administered by the Agency for Integrated Care (AIC).  Other \nthan the fact that the payout is lower than the ElderShield scheme, the definition \nof disability and the claim procedures are the same as those for ElderShield with \nthe followin g exceptions . \n(a) those making claims under IDAPE will be subject to a means testing \nadministered by the Ministry of Health Holdings (MOHH); and  \n(b) the recipient of the payout will need to pay a nominal fee of S$10 for a clinic \nassessment (or S$40 if assessment i s done at home) for each assessment \nin the event of a claim. The rest of the fees are subsidised by the \nGovernment.  \n \n8.22 As you can see, the payouts under ElderShield and IDAPE are basic and limited \nto 72 months.Those on Eldershield  can consider purchasing a dditional Long -\nTerm Care Insurance coverage, if they wish to have higher payouts or longer \npayout periods, and can afford the premiums for the extra coverage. Existing and \nprospective CareShield Life clients can do likewise to purchase additional Long -\nTerm  Care Insurance coverage, if they wish to have higher payouts.  \n \nD. ElderFund  \n \n8.23 ElderFund  is a discretionary assistance scheme launched on 31 January 2020.  It \nis targeted at severely disabled lower -income Singapore Citizens aged 30 and \nolder, who are not able to benefit from  CareShield Life , ElderShield , and \nthe Interim Disability Assistance Programme for the Elderly  (IDAPE), have \nlow MediSave  balanc es and have inadequate personal savings to meet their \nlong -term care needs.   Eligible Singapore Citizens can receive up to $250 cash \nper month for as long as they remain eligible, and meet the terms and conditions \nneeded for receipt of payment.  \n \n  \n\n9. Part II Healthcare Financing  \nCopyright reserved by the Singapore College of Insurance Limited [Version  1.4]                    219  \nE.  Medi Fund  \n \n8.24 MediFund is an endowment fund set up by the Government. It provides a safety \nnet for needy Singaporeans who face difficulties paying for their remaining \nhealthcare bills after Government subsidies, insurance and MediSave.  \n \n8.25 MediFund Silver and MediFun d Junior are carved out from MediFund to provide \nmore targeted assistance for the needy elderly and children respectively.  \n \n8.26 As an endowment fund, interest income generated from the capital sum are \nallocated to MediFund -approved healthcare institutions, for them to assist with \nthe healthcare bill payments of needy patients. Every MediFund -approved \ninstitution has an independent MediFund Committee to consider and approve \napplications, and decide on the appropriate quantum of assistance.  \n \n8.27 To apply for MediFund assistance, one must:  \n \n\u25aa be a Singapore citizen;  \n\u25aa be a subsidised patient;  \n\u25aa have received or require treatment from a MediFund -approved institution; \nand \n\u25aa be having difficulties paying for his remaining healthcare bills after \nGovernment subsidies and other means including MediShield Life and \nMediSave.  \n \n8.28 The patient\u2019s application will  be assessed holistically by the medical social \nworkers and the MediFund Committees, taking into consideration his and his \nfamily\u2019s financial, health and social circumstances.  \n \nF.  COVID -19 Medical Bills1 \n \n8.29 In Singapore, healthcare support in the form of S+3Ms (Government Subsidies, \nMediSave, MediShield Life and MediFund) are extended widely  to all \nSingaporeans."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 16560c0d-3cf9-4993-aec2-b5743a8b4436
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"16560c0d-3cf9-4993-aec2-b5743a8b4436\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"3f6cee64-2f5c-44e5-8c9b-38cd1a4b4aff\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"132d600a6ab28d02be2a4e824627ca38ca90f9eb5fb5e774ecfe4dfc0dbd8616\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"9d41a164-acb7-4d60-9b34-a3cf68614587\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"61e6be251a8e66185648ccbd683039ffc6ac716387b3365437bca30b4a3ecc57\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 820842, \"end_char_idx\": 821864, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "Notwithstanding  such support , as part of the pandemic response, \nCOVID -19 treatments have be en provided at a very low cost or free of charge, \ngoing beyond  the scope of  the regular S+3Ms. As life reverts to normal and \nCOVID -19 becomes endemic, the need to  progressively reduce such subsidies \nand support is obvious . It is therefore not surprising to witness the current \ngradua l reverting to pre-COVID -19   S+3Ms healthcare financing frameworks  \nunderpinning the Singapore healthcare system . \n \n8.30 Since February 2020, more than 1,000 Public Health Preparedness Clinics (PHPCs) \nhave been activated to provide subsidised care for patients with respiratory \ninfection sym ptoms, whether due to COVID -19 or not. Singapore residents pay a \nflat subsidised rate of $10 and seniors from the Pioneer Generation and Merdeka \nGeneration pay a lower rate of $5.  \n \n \n1 https://www.moh.gov.sg/news -highlights/details/further -rationalisation -of-smms -boosting -vaccinations -\nand-updates -to-covid -19-subsidies"}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 9d41a164-acb7-4d60-9b34-a3cf68614587
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"9d41a164-acb7-4d60-9b34-a3cf68614587\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"16560c0d-3cf9-4993-aec2-b5743a8b4436\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"0ea76441ecfa4d3291817400213263d198be2b5c4bbeb1b2cb27cbfe93e3d065\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"54d3d5fc-14ff-4b7b-90ed-8c52d99b7459\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"e1cce6837850423f0378dbf6e2435cbf4d3ada48f0264368e4b70ddf671ed9e5\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 821719, \"end_char_idx\": 825972, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "1 https://www.moh.gov.sg/news -highlights/details/further -rationalisation -of-smms -boosting -vaccinations -\nand-updates -to-covid -19-subsidies  \n\n\nHealth Insurance   \n \n220 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] 8.31 From  1 July 2022, subsidies at PHPCs and polyclinics for the treatment of \nrespiratory infections have  reverted to pre -COVID -19 levels. The $10/$5 fee  no \nlonger appl ies, but Singaporeans  continue  enjoy ing prevailing subsidies under \nthe Community Health Assist Scheme (CHAS) at CHAS General Practitione r (GP) \nclinics.  \n \n8.32 The above does not affect ART and Polymerase Chain Reaction (PCR) tests, \nwhere PHPCs and polyclinics will continue to provide government -funded swabs \nto eligible symptomatic individuals at no charge.  \n \n8.33 Currently, individuals under Protocol 2, i.e. mildly symptomatic, low risk, and \nrecovering from home, and who requested for telemedicine care enjoy  full \nsubsidy.  \n \n8.34 In line with the above change for PHPCs, from  1 July 2022,  the government has \nreverted  to pre-COVID -19  subsidy levels . Full subsidy for  telemedicine will cease, \nbut Singaporeans will continue to enjoy CHAS subsidies if they visit a CHAS GP \nclinic for treatment. Individuals under Protocol 1, i.e. those at high medical risk \nor with se vere symptoms but  are discharged for home recovery and under \ntelemedicine surveillance, will continue to enjoy fully subsidised telemedicine \ncare.  \n \n8.35 Currently, Singapore Citizens/ Permanent Residents /Long -Term Pass Holders \n(SC/PR/LTPHs) w ho seek emergency treatment for COVID -19 in Emergency \nDepartments (ED) of public acute hospitals do not have to pay any ED charges if \nthey are fully vaccinated or  certified to be medically ineligible for vaccination.  \n \n8.36 From  1 July 2022,  this will no longer apply to those who do not require admission \nafter visiting the ED. Those who are assessed to require hospital isation  or \nundergo treatment at a  COVID -19 Treatment Facility (CTF)  will continue to have \ntheir ED, inpatient and/or CTF bills fully subsidised by the government, if they are \nfully vaccinated or certified to be medically ineligible for vaccination. This will \nhelp MOH manage the demand for ED services  and cater to those who need \nthem.  \n \n8.37 To understand more about the charging polic ies for SC/PR/LTPHs travelers  who \nare subjected to General Travel Category or Restricted Category border \nmeasures, please refer to:   \nhttps://www.moh.gov.sg/news -highlights/details/easing -of-community -smms -\nand-border -measures  \n\n28\nHEALTHCARE FINANCING PART I & IICHAPTER\n09\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nSingapore government \nsubsidies \u2022 Government provides funding to public healthcare institutions (e.g. public \nhospitals, national specialty centres and polyclinics), as well as selected private \nclinics and voluntary welfare organisations (VWOs).\n\u2022 Means-test is used to target subsidies, so that needy patients can receive \nmore help; lower-income patients receive more subsidies than higher-income \npatients.\nMain components of \nSingapore\u2019s Healthcare \nFinancing System\nMediSave \u2022 National healthcare savings scheme in Singapore under the Central Provident \nBoard (CPF) umbrella.\n\u2022 Contributions to the Medisave Account (MA) are subject to a maximum amount, \nknown as the Basic Healthcare Sum (BHS). The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. If \npaying for a sibling or grandparent, the patient must be a Singapore Citizen or \nSingapore Permanent Resident (SPR)."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 54d3d5fc-14ff-4b7b-90ed-8c52d99b7459
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"54d3d5fc-14ff-4b7b-90ed-8c52d99b7459\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"9d41a164-acb7-4d60-9b34-a3cf68614587\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"61e6be251a8e66185648ccbd683039ffc6ac716387b3365437bca30b4a3ecc57\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"9abecedb-5078-4fc7-a424-a29f984f7986\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"0d0784a3860d1f067e0038e4f046e53701740b4186e07e15b8443958c64e750b\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 755833, \"end_char_idx\": 760488, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "29\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nUses of MediSave Account\nHow much Medisave can \nbe usedThe use of MediSave is subject to:\n\u2022 Withdrawal Limit.\n\u2022 Additional Withdrawal Limit (AWL).\nPayments via MediSave are allowed in all public healthcare institutions, as well as \napproved private hospitals and medical institutions\nDistribution Of MediSave \nUpon Demise\u2022 If a patient was hospitalised just before death and had authorised the use of his \nMediSave to pay for his medical bill, his MediSave balance would be used in full, \nwithout being subject to the existing MediSave withdrawal limits, to pay for his \nlast inpatient medical bill.\n\u2022 If the patient had not authorised the use of his MediSave before his demise, his \nimmediate family member (spouse, parent, or child who is aged 21 years and \nabove), or donee or deputy can also do so for the last inpatient medical bill, \nprovided that it has not been paid out to the patient\u2019s nominated beneficiaries.\n\u2022 In the event that the patient does not have any immediate family member, \nor donee or deputy to authorise the use of the patient\u2019s MediSave, a relative \nwho has been taking care of the patient may also write to MOH through the \nhospital to seek approval for the relative to authorise the withdrawal of patient\u2019s \nMediSave, to pay for the last inpatient medical bill.\n\u2022 Remaining MediSave balance, after the payment of the last medical bill, would \nbe distributed to the nominated beneficiaries of the patient\u2019s CPF account if a \nnomination was made before his death. If there was no nomination made, the \nbalance in the deceased patient\u2019s MA would be distributed by the Public Trustee \nto his family members under the intestacy laws for non-Muslims, or the Muslim \ninheritance law for Muslims.Uses of Medisave Items that can be paid using MediSave\nOutpatient \nTreatmentsSelected outpatient treatments such as:\n\u2022 Approved chronic conditions under the chronic \ndisease management programme\n\u2022 Vaccinations\n\u2022 Health screenings\nInpatient Treatments Inpatient care  which includes:\n\u2022 Inpatient episodes \n\u2022 Inpatient psychiatric episodes\n\u2022 Day surgery\n\u2022 Assisted Conception Procedures\nLong-Term Care Long-Term Care treatments which include: \n\u2022 Rehabilitative care\n\u2022 Palliative care\n\u2022 Disability care\nInsurance Premiums Premium payments of: \n\u2022 MediShield Life\n\u2022 ElderShield/CareShield Life\nwhich can be fully paid with MediSave\n\u2022 Integrated Shield Plans and ElderShield/CareShield \nLife supplements\nwhich are subject to withdrawal limits periodically \nreviewed by MOH\n\n30\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nMediShield Life \u2022 Basic healthcare insurance scheme.\n\u2022 Covers all Singapore Citizens and Singapore Permanent Residents against large \nmedical bills for life, regardless of age or health conditions.\n\u2022 The claim limits are sized to cover subsidised bills incurred for hospitalisation in \nclass B2/C wards, day surgery, and selected costly outpatient treatments (e.g., \ndialysis and chemotherapy) in the public hospitals.  \n\u2022 However, MediShield Life benefits are designed based on Class B2/C bills, so \nas to keep premiums affordable. Those who would like additional coverage in \nClass A/B1 wards or private hospitals may consider buying Integrated Shield \nPlans (IP).\n\u2022 No need to apply for MediShield Life. All SCs and PRs are automatically covered \nunder MediShield Life from 1 Nov 2015. New SCs are covered from birth or \nfrom the day they attain citizenship. PRs are covered from the day they attain \npermanent residency.\n\u2022 MediShield Life premiums may be fully paid from MediSave.\n\u2022 Please refer to the Study Text for a list of treatment items, procedures, \nconditions, activities which are not covered by MediShield Life and cannot be \nclaimed.\nMediShield Life Premiums \u2022 Actuarially priced based on the health risks and expected healthcare utilisation \nof each age group so that each age group\u2019s payouts are broadly supported by \ntheir own premiums.\n\u2022 Those with pre-existing medical conditions can enjoy coverage for their \nconditions. Only those with serious pre-existing medical conditions listed in the \nMOH website need to pay a nominal Additional Premium of 30% for the first 10 \nyears, in addition to the standard MediShield Life premiums.\n\u2022 One can pay premiums from own MediSave, or family members may pay one\u2019s \npremium using their MediSave. Parents may also tap on the MediSave Grant for \nnewborns to pay for their child\u2019s MediShield Life premiums.\nHow Are MediShield Life \nClaim Payouts Computed?\u2022 Pays on a reimbursement basis, subject to the claim limits imposed on the \ncovered medical expenses, as well as deductible, co-insurance and pro-ration \nfactors."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 9abecedb-5078-4fc7-a424-a29f984f7986
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"9abecedb-5078-4fc7-a424-a29f984f7986\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"54d3d5fc-14ff-4b7b-90ed-8c52d99b7459\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"e1cce6837850423f0378dbf6e2435cbf4d3ada48f0264368e4b70ddf671ed9e5\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"389f5c6e-dec7-4382-af19-55ddcf901160\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"3d35c6c2c8db664918bd5fb28c8848375c2e26855e213fbe888f85affced20e6\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 760277, \"end_char_idx\": 764906, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "How Are MediShield Life \nClaim Payouts Computed?\u2022 Pays on a reimbursement basis, subject to the claim limits imposed on the \ncovered medical expenses, as well as deductible, co-insurance and pro-ration \nfactors.\n\u2022 The deductible is the fixed amount payable by the insured each policy year (the \nyear following his policy renewal month), before the MediShield Life payout \nstarts. The deductible is payable only once every policy year.\n\u2022 Co-insurance is the patient\u2019s share of the claimable amount which the insured \nwill have to pay, along with the deductible.\nPlease refer to the Study Text for example of how the reimbursement under \nMediShield Life is arrived at.\nIntegrated Shield Plans Integrated Shield Plans (IPs) are MediSave-approved hospitalisation insurance plans \nmade up of two parts. \n\u2022 MediShield Life component administered by the CPF Board. \n\u2022 An additional private insurance coverage component administered by approved \nprivate insurers, typically to cover Class A/B1 wards of public hospitals or \nprivate hospitals. \nNo duplication of coverage between IPs and MediShield Life.\n\n31\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nConsideration on \nIntegrated Shield Plans (IP)\u2022 With the different IPs available, it is necessary for the sellers of such plans to \nunderstand the different plans offered in the insurance market, and to advise \ntheir prospective clients, based on the needs and long-term affordability of each \nindividual client\u2019s position.\n\u2022 As part of due diligence, clients should be informed of the key differences \nin premiums, benefits, exclusions, deductibles, co-insurance and other co-\npayment features between the various IPs offered by their insurer, versus \nMediShield Life. There are different benefits provided in the IP policy, and plans \ncan be \u201cas charged\u201d or \u201cnon -as-charged\u201d (i.e. they have sub-limits imposed). \nInformation provided should be easy to understand, unambiguous and clearly \nexplained to help clients make an informed decision.\n\u2022 Clients should consider if they would wish to stay in a private or subsidised \nward in a public hospital, or in a private hospital, and if they wish to choose \ntheir own doctors.\n\u2022 Clients should consider if they can afford their IP premiums in the long term as \nthe policyholders may have to pay a substantial portion of their IP premiums in \ncash, especially at the older ages.\n\u2022 Unlike MediShield Life which provides coverage for pre-existing medical \nconditions (with Additional Premiums for the first 10 years), the coverage for \nthe private insurance component of the IP may be declined or imposed with \nexclusions for pre-existing conditions. The private insurance component may \nalso have premium loading, arising from pre-existing conditions.\nHow MediSave can be used \nto meet a CPF member\u2019s \nhealthcare needs and buy \napproved Medical Expense \nInsurance?MediSave can be used to pay premiums for IPs, either in full or in part, depending \non the age group and the IP plan type. From 1 November 2015, MediSave use for \nthe additional private insurance component of the IP premiums is subject to the \nnew Additional Withdrawal Limit (AWL). The AWL is set per insured person per \npolicy year, as stated below:\n\u2022 Age Next Birthday (ANB) 40 years and below: S$300 \n\u2022 ANB 41 to 70 years: S$600\n\u2022 ANB 71 years and above: S$900\nHow MediShield Life \npremiums are kept \naffordable?\u2022 Premium Subsidies for lower- to middle-income.\n\u2022 Pioneer and Merdeka Generation Subsidies.\n\u2022 COVID-19 Subsidies.\n\u2022 Additional premium support.\nHow MediShield Life \ninteracts with Integrated \nShield Plans?MediShield Life Scheme Integrated Shield Plan (IP) \nIt is administered by the CPF Board It is administered by private insurers, \nas approved by MOH.\nIts coverage is sized for stays in Class \nB2/C wards of public hospitals.It provides for enhanced coverage \nbeyond MediShield Life, with various \nplan types available for stays in private \nhospitals and/or Class A/B1 wards of \npublic hospitals.\nIt covers all pre-existing conditions. Coverage for the private insurance \ncomponent of the IP may be declined \nor imposed with exclusions and/or \npremium loading, arising from pre-\nexisting conditions.\nThere is no minimum or maximum age \nlimit.It may have a minimum or maximum \nentry age limit.\nThere are sub-limits applicable. It may have sub-limits, although most \ndo not have sub-limits.\nMediShield Life premiums are fully \npayable by MediSave.MediShield Life component of the IP \nis fully payable by MediSave, while \nprivate insurance component of \nthe IP is payable by MediSave up to \nAdditional Withdrawal Limit, and the \nremainder is payable by cash."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: 389f5c6e-dec7-4382-af19-55ddcf901160
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"389f5c6e-dec7-4382-af19-55ddcf901160\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"9abecedb-5078-4fc7-a424-a29f984f7986\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"0d0784a3860d1f067e0038e4f046e53701740b4186e07e15b8443958c64e750b\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"ad5dcddb-d5cf-425f-a5d4-c25df4a32bba\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"2d10aca5129350ed92e06cef74e05bb1907c9a2d3b04e93038ee77242b4e2f39\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 764907, \"end_char_idx\": 769839, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "All Singapore Citizens and Permanent \nResidents are automatically covered \nfor life. No application is required.Application to private insurers is \nrequired.\n31\n\n32\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nStandard IP \u2022 \u201cNo frills\u201d product targeted at covering large Class B1 ward hospital bills and \nselected outpatient treatments.\n\u2022 Affordable option for Singapore Citizens and Permanent Residents who want \nadditional coverage beyond MediShield Life and may find other higher coverage \nIPs too expensive.\nRiders \u2022 Pay for the co-insurance and deductible portion of the IP, and may pay cash \npayouts upon hospitalisation.\nNeed for Co-Payments \u2022 Co-payment is an important principle in the design of healthcare insurance. It \nencourages policyholders and their doctors, to consider the necessity of the \nmedical treatment and its cost, so that they can make an informed decision \non the appropriate healthcare services. This encourages prudence and keeps \nhealthcare cost, and health insurance premiums, affordable and sustainable in \nthe long term.\nTerminating or Switching \nIP/Switching Insurer\u2022 An IP policyholder who cannot afford, or does not wish to continue paying the \npremium for his IP, can  switch his plan to a lower coverage plan within the \nsame insurer at any point in time, without additional underwriting involved. \n\u2022 He can also  terminate his IP at any point in time, and still be covered by \nMediShield Life which provides basic health insurance, regardless of any pre-\nexisting conditions.  \n\u2022 If the person with an existing IP switches to a new IP with another insurer, \nOriginal IP with the previous insurer will be automatically terminated.\n\u2022 Option to go back to the previous insurer within 30 days from the date of \nnotification of termination from the previous insurer.\nRisk-Loading by private \ninsurers\u2022 MOH allows IP insurers to risk-load insured members with pre-existing \nconditions for the private insurance component of the IPs.\nBenefits in having Pre-\nAuthorisation for IP\u2022 Insurers can assess the medical necessity and cost of treatment to ensure it is \nwithin the terms and conditions of the policy\u2019s coverage.\n\u2022 Patients will have a peace of mind in knowing that their procedure is within \ntheir insurance coverage; and\n\u2022 Healthcare providers have better clarity on the type of procedures covered by \ninsurance to better advise their patients prior to the actual procedure. \nPolicyholders are thus encouraged to seek pre-authorisation for planned \nprocedures as far as possible if the option is provided by the insurer.\nClaims process of \nMediShield Life, Integrated \nShield Plans, other Medical \nExpense Insurance and \nMediSaveAny insured CPF member who wishes to claim from his MediShield Life, IP and/or \nMediSave will need to complete the Medical Claims Authorisation Form to:\n\u2022 Allow the hospital to claim from his insurer; and \n\u2022 Instruct the CPF Board to deduct from his MA to pay for his hospital bill, while \nthe insurer settles the claim.\nFor any insured CPF member who wants to claim from MediShield Life, IP and/or \nMediSave, the hospital will submit the claim on his behalf through the MediClaim \nonline system after he has been discharged.\nIf there is no pre-authorisation, the insured CPF member under an IP can approach \nthe hospital to trigger a request for a Letter of Guarantee (LOG) from his insurer \nupon hospital admission. It is important that the insured CPF member understands \nthat a LOG may not mean that the insurer will pay for the specified amount. To \nobtain assurance that their bill will be covered, the insured CPF member may wish \nto apply for pre-authorisation instead, if available.\nFor someone who is covered by his employer medical benefits or other private \ninsurance plans, he will need to show his insurance card (provided by some insurers \nfor certain Medical Expense Insurance plans) to the hospital admission staff. The \nhospital may fully or partially waive the deposit in such a case.\n\u2022 Some hospitals will send the hospitalisation bill directly to the CPF member\u2019s \nnon-IP private insurer or employer. In other cases, the insured CPF member will \nhave to submit the bill himself to the insurer. \n\n33\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWithdrawal Limits for \nInpatient, Outpatient, \nLong-Term Care and \nInsurance PremiumsPlease refer to the Study Text for the full list.\nMediShield Life Benefits Please refer to the Study Text for the full list.\nElderShield & ElderShield \nSupplementsElderShield is a long-term care insurance scheme launched in September 2002. It \nprovides basic financial protection to those who need long-term care, especially \nduring old age.\nElderShield Supplement plans complement the current ElderShield scheme, by \noffering additional benefits at different pricing levels which increase the insured\u2019s \ncoverage through:\n\u2022 Increasing the monthly payout;\n\u2022 Extending the payout period; or\n\u2022 A combination of both."}


created_at: 2024-03-15 18:52:31
topic: persistent://default/default/71e17ef0-3bc9-4074-a848-f5d2cfa67ab5
id: ad5dcddb-d5cf-425f-a5d4-c25df4a32bba
encoding: FLOAT32
metadata:
{"_node_content": "{\"id_\": \"ad5dcddb-d5cf-425f-a5d4-c25df4a32bba\", \"embedding\": null, \"metadata\": {}, \"excluded_embed_metadata_keys\": [], \"excluded_llm_metadata_keys\": [], \"relationships\": {\"1\": {\"node_id\": \"fa2d9045-7b86-42b8-be24-f1750f5bd4a1\", \"node_type\": \"4\", \"metadata\": {}, \"hash\": \"59c4fda642f7a90fe0cffa1f7ef298e0f041e802b8044620af0ef6b6309b0c9d\", \"class_name\": \"RelatedNodeInfo\"}, \"2\": {\"node_id\": \"389f5c6e-dec7-4382-af19-55ddcf901160\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"3d35c6c2c8db664918bd5fb28c8848375c2e26855e213fbe888f85affced20e6\", \"class_name\": \"RelatedNodeInfo\"}, \"3\": {\"node_id\": \"e70f2c12-5742-4eac-8ce2-a4b986e055b9\", \"node_type\": \"1\", \"metadata\": {}, \"hash\": \"0c3fa46555e4c5c3939872f955cea536beb0f39c2cbee8315d3fa9eb2db52cc4\", \"class_name\": \"RelatedNodeInfo\"}}, \"text\": \"\", \"start_char_idx\": 769840, \"end_char_idx\": 774337, \"text_template\": \"{metadata_str}\\n\\n{content}\", \"metadata_template\": \"{key}: {value}\", \"metadata_seperator\": \"\\n\", \"class_name\": \"TextNode\"}", "_node_type": "TextNode", "document_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "ref_doc_id": "fa2d9045-7b86-42b8-be24-f1750f5bd4a1", "chroma:document": "How ElderShield and \nElderShield Supplements \nwork?\u2022 To purchase and maintain an ElderShield Supplement, an insured must have an \nElderShield policy.\n\u2022 Premiums for ElderShield Supplement can be paid using MediSave (up to a limit \nof S$600 per insured per calendar year) and/or by cash.\n\u2022 The ElderShield scheme will pay a monthly benefit of either S$300 up to 60 \nmonths, or S$400 up to 72 months, depending on the type of the scheme in \nwhich the CPF member is covered.\nEligibility Criteria For \nPayment Of ElderShield \nbenefits\u2022 Meets the waiting period requirement.\n\u2022 Unable to perform the specified number of activities of daily living \n\u2022 Meets the deferment period requirement (If he recovers from the disability \nwithin the period, then no benefits are payable).\n\u2022 Please also note on making a claim under ElderShield and how the benefits are \npaid.\nFeatures of ElderShield \u2022 Non-forfeiture feature.\n\u2022 Guaranteed renewability on an annual basis.\n\u2022 Worldwide coverage.\n\u2022 Minimum (i.e. 40 years old) and maximum entry age (i.e. 64 years old).\n\u2022 Grace period of 75 days is allowed for payment of the overdue premiums.\n\u2022 Reinstatement of the policy is allowed within 180 days from the expiry of the \ngrace period, subject to evidence of insurability at the insured\u2019s expense and \npayment of the overdue premiums with interest.\n\u2022 Insurer has the right to appoint an assessor to examine the insured periodically.\n\u2022 Where the insured is overseas at the time of a claim, the insurer has the right \nto commute the benefit payments to a single payment reflecting the present \nvalue of future benefit payments, or withhold the claim payment if it is unable \nto assess the claim after having made reasonable attempts to do so.\n\u2022 No cash surrender value.\n\u2022 Free-look period of 60 days from the policy commencement date during which \nthe insured may cancel his policy, and receive a full refund of the premiums \npaid.\n\n34\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nExclusions of ElderShield \u2022 Self-inflicted injury, suicide or attempted suicide;\n\u2022 Alcoholism or drug addiction; or\n\u2022 War, whether declared or undeclared.\n\u2022 CPF members who are suffering from pre-existing disabilities, will not be \ncovered under ElderShield.\nTermination of cover for \nElderShield\u2022 Expiry of the grace period if the ElderShield policy is not eligible for the non-\nforfeiture benefit (i.e. it has been in force for too short a period for it to acquire \nsufficient reserves to be converted into a paid-up policy);\n\u2022 Death of the insured;\n\u2022 Date in which the last benefit payment has been received; or\n\u2022 Date in which the written notice from the insured to cancel the policy is received \nby the insurer (if the policy does not have sufficient reserves, it will not be \nconverted into a paid-up policy).\nElderShield to CareShield \nLife\u2022 ElderShield became a  closed scheme from 1 August 2021.\n\u2022 The Government had taken over the ElderShield administration from 1 \nNovember 2021.\n\u2022 New cohorts born in 1980 or later were covered under CareShield Life from 1 \nOct 2020 but Singapore Citizens and SPRs born in 1979 or earlier could still opt \nin to the ElderShield scheme up till 1 Aug 2021 if they are below 65. \n\u2022 Existing ElderShield policyholders could continue to remain covered under the \nscheme with no changes to their coverage and benefits.\nCareShield Life & \nCareShield Life \nSupplementsCareShield Life was introduced in 2020, as an enhancement of ElderShield and is \nadministered by the Government on a not-for-profit basis, and offers;\n\u2022 Better protection and higher payouts that increase over time, so that claimants \ncan better afford their basic long-term care needs; and \n\u2022 Protection for life.\nAny CareShield Life policyholder who wishes to obtain higher long-term care \ninsurance coverage can also purchase Supplements. Supplements are plans which \ncomplement one\u2019s basic CareShield Life plan by offering additional benefits, such as \nhigher monthly payout amounts, which enhances the coverage. \nCareShield Life premium \nsubsidies and supportTo ensure that no one will lose CareShield Life coverage due to genuine inability to \npay, the Government provides the following premium subsidies and support:\n\u2022 Means-tested premium subsidies of up to 30% of premiums of CareShield Life, \nto help lower- to middle-income households.\n\u2022 Participation incentives of up to $2,500 for Singapore Citizens, if they join \nCareShield Life by 31 December 2023, to encourage those born in 1979 or \nearlier to join CareShield Life."}


