25,000 Singapore Residents to pay extra 30% MediShield Life premium

Nation-wide hos­pit­al­iz­a­tion plan, MediShield Life, will be imple­men­ted on 1 Novem­ber 2015. Min­istry of Health has already iden­ti­fied 25,000 Singa­pore Cit­izens and Per­man­ent Res­id­ents with ser­i­ous pre-exist­ing ill­nesses who will have to pay extra 30% extra premi­um for the next 10 years to cov­er the pre-exist­ing ill­nesses. After which, they would pay the same premi­ums as their peers. If you belong to this group, you will receive a let­ter with details about your new MediShield Life cov­er­age, premi­ums and sub­sidies, includ­ing the Addi­tion­al Premi­ums. The vari­ous sub­sidies for MediShield Life premi­ums will also apply to Addi­tion­al Premi­ums.

If you cur­rently not insured with Medishield, you will also receive the let­ter soon to inform you on the premi­ums and sub­sidies. For oth­ers, you will only receive the let­ter one month before your plan is due for annu­al renew­al from either the CPF Board (cov­er under MediShield) or your private insurer (cov­er under Integ­rated Shield Plan) with details about your premi­ums and sub­sidies for the MediShield Life com­pon­ent of your Integ­rated Shield Plan.

The broad cat­egor­ies of ser­i­ous pre-exist­ing ill­nesses are:

Broad cat­egor­ies Indic­at­ive examples (not exhaust­ive)
Can­cer Lung can­cer, colorectal can­cer, breast can­cer, stom­ach can­cer
Blood dis­orders Parkinson’s dis­ease, Mus­cu­lar dys­trophy, Amyotroph­ic lat­er­al scler­osis (ALS)
Heart or oth­er cir­cu­lat­ory sys­tem dis­eases Heart attack, Coron­ary artery dis­ease, Chron­ic ischaem­ic heart dis­ease
Cerebrovas­cu­lar dis­eases Stroke
Res­pir­at­ory dis­eases Chron­ic obstruct­ive pul­mon­ary dis­ease
Liv­er dis­eases Alco­hol­ic liv­er dis­ease , Chron­ic hep­at­it­is, Fibrosis or cir­rhosis of liv­er
Autoimmune/ Immune Sys­tem dis­eases Sys­tem­ic lupus eryth­em­atosus, Human Immun­ode­fi­ciency Virus/ Acquired Immune Defi­ciency Syn­drome (HIV/ AIDS)
Ren­al dis­eases Con­gen­it­al heart dis­ease, Con­gen­it­al ren­al dis­ease, Bil­i­ary atresia
Psy­chi­at­ric con­di­tions Schizo­phrenia
Chron­ic con­di­tion with ser­i­ous com­plic­a­tions Hyper­tens­ive heart dis­ease, Hyper­tens­ive kid­ney dis­ease, Dia­betes with kid­ney com­plic­a­tions, Dia­betes with eye com­plic­a­tions

Those whose pre-exist­ing con­di­tions are less ser­i­ous or are well-con­trolled, such as well-con­trolled dia­betes, or hyper­ten­sion with no com­plic­a­tions, osteoarth­rit­is, pre-can­cers, fibroids or cysts or those who were hos­pit­al­ized due to a one-off event, such as an acci­dent or dengue are not sub­jec­ted to the 30% addi­tion­al premi­um.

Orange Health — Get $50 rewards for health screening

NTUC Income is reward­ing you with $50 Cap­it­aMall vouch­ers for exist­ing poli­cy­hold­er of IncomeShield/Enhanced IncomeShield;  or $50 dis­count off the 1st year premi­um for new sign-up of Enhanced IncomeShield if you meet the accept­able ranges of read­ings from the fol­low­ing 4 health indic­at­ors:-

  • Height and weight exam­in­a­tion to determ­ine your BMI
  • Blood pres­sure read­ing
  • Lip­ids pro­file (total cho­les­ter­ol, LDL, HDL and trigly­cerides)
  • Fast­ing blood gluc­ose level test

You just need to book appoint­ment (for 21 years old and above) with NTUC Income part­ners, Unity Phar­macy or Health­way Med­ic­al at a spe­cial rate of $15 (inclus­ive of GST). Book­ing of appoint­ment at www.income.com.sg/OrangeHealth slots must be made at least 14 days pri­or to the health screen­ing date.

Accept­able ranges of read­ings

No Tests Items meas­ured Accept­able ranges
1 Height and Weight (to cal­cu­late BMI) BMI range • 18.5 to 24.9 kg/m2
2 Dia­betes Mel­litus Pro­file Fast­ing Gluc­ose • 3.9 – 6.0 mmol/L
3 Blood Pres­sure Read­ing Systol­ic Dia­stol­ic • 90 to 140 mmHg • 60 to 90 mmHg
4 Lip­ids Pro­file Total Cho­les­ter­ol Trigly­cerides HDL-cho­les­ter­ol LDL-cho­les­ter­ol Total Cholesterol/HDL Ratio • < 5.2 mmol/L • < 2.26 mmol/L • > 1.03 mmol/L • < 3.36 mmol/L • < 4.51

 

Re-launch of Plus Rider for Enhanced IncomeShield

NTUC Income has just star­ted to offer the PLUS rider for new applic­a­tion and upgrade that is attached to the Enhanced IncomeShield. Stand­ard IncomeShield is still not entitled to pur­chase Plus Rider.
PLUS rider cov­ers the deduct­ible and 100% of the co-insur­ance of Enhanced IncomeShield.
Assist rider cov­ers the deduct­ible and 90% of the co-insur­ance of Enhanced IncomeShield. How­ever, the co-insur­ance pay­ment is sub­ject to a cap of $2000 for Basic Plan, $2500 for Advant­age Plan and $3000 for Pre­ferred Plan only.
For exist­ing Enhanced IncomeShield poli­cy­hold­er, you can apply to upgrade from Assist Rider to Plus Rider, sub­ject to under­writ­ing.
New applic­ant can now choose to apply for Assist Rider or Plus rider to attach to his/her Enhanced IncomeShield.

Yearly Premi­um for Assist Rider can be found here

Yearly premi­um for Plus Rider can be found here 

Inform­a­tion on Enhanced IncomeShield can be found here