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Managing finances

How to reduce your outpatient bill

Firstly, offset your bill using government subsidies

These include government subsidies at public specialist outpatient clinics and polyclinics, Community Health Assist Scheme (CHAS), Pioneer Generation (PG) and Merdeka Generation (MG) outpatient subsidies.

Next, tap on employee benefits or private medical insurance

You can further offset your bill by tapping on employee benefits or your private medical insurance.

Use your MediSave/Chronic Disease Management Programme (CDMP)

You can turn to your MediSave through the Chronic Disease Management Programme (CDMP) to reduce out-of-pocket costs.

Finally, make out-of-pocket payment after the above deductions

This is determined after deducting government subsidies, available employee benefits and private medical insurance and the amount that the patient wishes to deduct from MediSave.

Government subsidies at subsidised specialist outpatient clinics (SOCs) and polyclinics

Households with income

Household Monthly Income Per Person

Subsidy at subsidised SOCs^

Subsidised services

Subsidised medications

Subsidy at polyclinics

Subsidised medications for adults^*

$1,200 and below

70%

75%

$1,201 to $2,000

60%

75%

Above $2,000/ Unassessed

50%

Additional PG/MG subsidy

PG: Additional 50% off the remaining bill

MG: Additional 20% off the remaining bill

Households with no income

Annual Value^#
(AV) of Home

Subsidy at subsidised SOCs^

Subsidised services

Subsidised medications

Subsidy at polyclinics

Subsidised medications for adults^*

$13,000 and below

70%

75%

$13,001 to $21,000

60%

75%

Above $21,000/ Unassessed

50%

Additional PG/MG subsidy

PG: Additional 50% off the remaining bill

MG: Additional 20% off the remaining bill

Households with income

Household Monthly Income Per Person

$1,200 and below

Subsidy at subsidised SOCs^

Subsidised services

70%

Subsidised medications

75%

Subsidy at polyclinics

Subsidised medications for adults*

75%

Additional PG/MG subsidy

PG: Additional 50% off the remaining bill

MG: Additional 20% off the remaining bill

Households with income

Household Monthly Income Per Person

$1,201 to $2,000

Subsidy at subsidised SOCs^

Subsidised services

60%

Subsidised medications

75%

Subsidy at polyclinics

Subsidised medications for adults*

75%

Additional PG/MG subsidy

PG: Additional 50% off the remaining bill

MG: Additional 20% off the remaining bill

Households with income

Household Monthly Income Per Person

Above $2,000/ Unassessed

Subsidy at subsidised SOCs^

Subsidised services

50%

Subsidised medications

50%

Subsidy at polyclinics

Subsidised medications for adults*

50%

Additional PG/MG subsidy

PG: Additional 50% off the remaining bill

MG: Additional 20% off the remaining bill

Households with no income

Annual Value^# (AV) of Home

$13,000 and below

Subsidy at subsidised SOCs^

Subsidised services

70%

Subsidised medications

75%

Subsidy at polyclinics

Subsidised medications for adults*

75%

Additional PG/MG subsidy

PG: Additional 50% off the remaining bill

MG: Additional 20% off the remaining bill

Households with no income

Annual Value^# (AV) of Home

$13,001 to $21,000

Subsidy at subsidised SOCs^

Subsidised services

60%

Subsidised medications

75%

Subsidy at polyclinics

Subsidised medications for adults*

75%

Additional PG/MG subsidy

PG: Additional 50% off the remaining bill

MG: Additional 20% off the remaining bill

Households with no income

Annual Value^# (AV) of Home

Above $21,000/ Unassessed

Subsidy at subsidised SOCs^

Subsidised services

50%

Subsidised medications

50%

Subsidy at polyclinics

Subsidised medications for adults*

50%

Additional PG/MG subsidy

PG: Additional 50% off the remaining bill

MG: Additional 20% off the remaining bill

^To receive subsidies for public SOC visits, you will first need to be assessed and referred by a CHAS clinic or polyclinic. The doctor will refer you to a public SOC as a subsidised patient where eligible.
^*Children (18 years or younger) and elderly (65 or older) already receive 75% subsidy for subsidised medications at the polyclinics
#The AV of your home is the estimated annual rent if it is rented.

Government subsidies at CHAS GPs

PCHI (Per Capita Household Income)

Above $2,000

AV (Annual Value) of Home
(For households with no income)

Above $21,000

Acute (common illnesses)

Simple Chronic

Up to $28 per visit, capped at $112 per year

Complex Chronic

Up to $40 per visit, capped at $160 per year

Dental

Recommended Health Screening under Screen for Life (SFL)

A fixed fee of $5 with SFL Invitation letter, for recommended screening test(s) and first post-screening consultation, if required

Free for all Healthier SG Enrollees at their enrolled clinic, for recommended screening test(s) and first post-screening consultation, if required (from Jul 2023)

PCHI (Per Capita Household Income)

$1,201 to $2,000

AV (Annual Value) of Home
(For households with no income)

$13,001 -$21,000

Acute (common illnesses)

Up to $10 per visit

Simple Chronic

Up to $50 per visit, capped at $200 per year

Complex Chronic

Up to $80 per visit, capped at $320 per year

Dental

$50 to $170.50 subsidy per procedure
(denture, crown, root canal treatment only)

Recommended Health Screening under Screen for Life (SFL)

A fixed fee of $2 with SFL Invitation letter, for recommended screening test(s) and first post-screening consultation, if required

Free for all Healthier SG Enrollees at their enrolled clinic, for recommended screening test(s) and first post-screening consultation, if required (from Jul 2023)

PCHI (Per Capita Household Income)

$1,200 and below

AV (Annual Value) of Home
(For households with no income)

$13,000 and below

Acute (common illnesses)

Up to $18.50 per visit

Simple Chronic

Up to $80 per visit, capped at $320 per year

Complex Chronic

Up to $125 per visit, capped at $500 per year

Dental

$11 to $256.50 subsidy per procedure
(dependent on procedure)

Recommended Health Screening under Screen for Life (SFL)

A fixed fee of $2 with SFL Invitation letter, for recommended screening test(s) and first post-screening consultation, if required

Free for all Healthier SG Enrollees at their enrolled clinic, for recommended screening test(s) and first post-screening consultation, if required (from Jul 2023)

PCHI (Per Capita Household Income)

AV (Annual Value) of Home
(For households with no income)

All Merdeka Generation seniors receive CHAS benefits, regardless of income or AV of home

Acute (common illnesses)

Up to $23.50 per visit

Simple Chronic

Up to $85 per visit, capped at $340 per year

Complex Chronic

Up to $130 per visit, capped at $520 per year

Dental

$16 to $261.50 subsidy per procedure
(dependent on procedure)

Recommended Health Screening under Screen for Life (SFL)

A fixed fee of $2 with SFL Invitation letter, for recommended screening test(s) and first post-screening consultation, if required

Free for all Healthier SG Enrollees at their enrolled clinic, for recommended screening test(s) and first post-screening consultation, if required (from Jul 2023)

PCHI (Per Capita Household Income)

AV (Annual Value) of Home
(For households with no income)

All Pioneers receive CHAS benefits, regardless of income or AV of home

Acute (common illnesses)

Up to $28.50 per visit

Simple Chronic

Up to $90 per visit, capped at $360 per year

Complex Chronic

Up to $135 per visit, capped at $540 per year

Dental

$21 to $266.50 subsidy per procedure
(dependent on procedure)

Recommended Health Screening under Screen for Life (SFL)

Free with SFL Invitation letter, for recommended screening test(s) and first post-screening consultation, if required

Free for all Healthier SG Enrollees at their enrolled clinic, for recommended screening test(s) and first post-screening consultation, if required (from Jul 2023)

Who is eligible:

Pioneer Generation

Born on or before 31 December 1949, and
Received citizenship by 31 December 1986

Merdeka Generation

Born from 1 January 1950 to 31 December 1959, and
Received citizenship on or before 31 December 1996

Born on or before 31 December 1949,
Received citizenship on or before 31 December 1996, and
Did not receive Pioneer Generation Package

The subsidies are for the following types of visits:

Acute (common illnesses)
Capped at 24 visits for common illnesses per patient per calendar year, across all CHAS clinics, from 2020 onwards.

Simple
“Simple” refers to visits for a single chronic condition.

Complex
“Complex” refers to visits for multiple chronic conditions, or a single chronic condition with complication(s).

Screen for life
Recommended health screening refers to screening for diabetes, high blood pressure, high blood cholesterol, colorectal cancer and cervical cancer.

MediSave for outpatient bills

Chronic Disease Management Programme (CDMP)

CDMP covers 23 chronic conditions, and requires only 15% co-payment.

Part of MediSave 500/700, i.e., you can use up to $500 or $700 per year, depending on complexity of chronic condition
You can tap on accounts of immediate family members (i.e., spouse, parents and children)
Patients who are SC/PR can tap on grandchildren’s and sibling’s MediSave

23 conditions for outpatient treatment

Diabetes (including pre-diabetes)
Hypertension
Lipid disorders
Stroke
Asthma
Chronic Obstructive Pulmonary Disease (COPD)
Schizophrenia
Major depression
Bipolar disorder
Dementia
Osteoporosis

Benign Prostatic Hyperplasia (BPH)
Anxiety
Parkinson’s disease
Chronic kidney disease (nephrosis/ nephritis)
Epilepsy
Osteoarthritis
Psoriasis
Rheumatoid arthritis
Ischaemic heart disease
Allergic rhinitis
Chronic hepatitis B
Gout

You can tap on CDMP after:

Certification by a doctor that you have at least one of the listed chronic conditions
Authorising the use of MediSave through the Medical Claims Authorisation Form

Flexi-MediSave

Applies if you are over 60 years old.

Flexi-MediSave can be used for the 15% co-payment under CDMP.

Your own and spouse’s accounts may be used, provided your spouse is also over 60 years old.

Limit is up to $300 per year, and can be used at Specialist Outpatient Clinics (SOC) in public hospitals and national specialty centres, polyclinics, and participating Community Health Assist Scheme (CHAS) GP clinics.

Section:

CONTRIBUTED BY

Ministry of Health