Support
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
PG: Additional 50% off the remaining bill
MG: Additional 20% off the remaining bill
Households with no income
(AV) of Home
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 belowSubsidy at subsidised SOCs^
Subsidised services
70%Subsidised medications
75%Subsidy at polyclinics
Subsidised medications for adults*
75%Households with income
Household Monthly Income Per Person
$1,201 to $2,000Subsidy at subsidised SOCs^
Subsidised services
60%Subsidised medications
75%Subsidy at polyclinics
Subsidised medications for adults*
75%Households with income
Household Monthly Income Per Person
Above $2,000/ UnassessedSubsidy at subsidised SOCs^
Subsidised services
50%Subsidised medications
50%Subsidy at polyclinics
Subsidised medications for adults*
50%Households with no income
Annual Value# (AV) of Home
$13,000 and belowSubsidy at subsidised SOCs^
Subsidised services
70%Subsidised medications
75%Subsidy at polyclinics
Subsidised medications for adults*
75%Households with no income
Annual Value# (AV) of Home
$13,001 to $21,000Subsidy at subsidised SOCs^
Subsidised services
60%Subsidised medications
75%Subsidy at polyclinics
Subsidised medications for adults*
75%Households with no income
Annual Value# (AV) of Home
Above $21,000/ UnassessedSubsidy at subsidised SOCs^
Subsidised services
50%Subsidised medications
50%Subsidy at polyclinics
Subsidised medications for adults*
50%*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
(For households with no income)
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)(For households with no income)
(denture, crown, root canal treatment only)
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)(For households with no income)
(dependent on procedure)
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)
(For households with no income)
(dependent on procedure)
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)
(For households with no income)
(dependent on procedure)
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.
