No. S 701
Central Provident Fund Act
(Chapter 36)
Central Provident Fund (Medishield Scheme) (Amendment No. 4) Regulations 2007
In exercise of the powers conferred by section 57 of the Central Provident Fund Act, the Minister for Manpower hereby makes the following Regulations:
Citation and commencement
1.—(1)  These Regulations may be cited as the Central Provident Fund (MediShield Scheme) (Amendment No. 4) Regulations 2007 and shall, with the exception of regulation 4(a), come into operation on 1st January 2008.
(2)  Regulation 4(a) shall be deemed to have come into operation on 1st October 2005.
Amendment of regulation 2
2.  Regulation 2 of the Central Provident Fund (MediShield Scheme) Regulations 2005 (G.N. No. S 427/2005) (referred to in these Regulations as the principal Regulations) is amended —
(a)by inserting, immediately after the words “surgical treatment” in the definition of “day surgical treatment”, the words “(including any radiosurgery treatment)”;
(b)by inserting, immediately after the word “radiotherapy” in paragraph (c) of the definition of “insured out-patient medical treatment”, the word “treatment”;
(c)by deleting paragraph (f) of the definition of “insured out-patient medical treatment”;
(d)by deleting the words “medical, surgical, radiotherapy,” in the definition of “medical treatment” and substituting the words “medical treatment, surgical treatment, radiotherapy treatment,”;
(e)by inserting, immediately after the definition of “premium”, the following definition:
“ “pro-rating factor” means a pro-rating factor specified in the Sixth Schedule for medical treatment received by a person insured under the Scheme in Division 2 of Part II;”;
(f)by deleting the definition of “subsidised day surgical treatment” and substituting the following definition:
“ “subsidised”, when used to describe any medical treatment received by a person, means that the person received a subsidy from the Government for that medical treatment;”; and
(g)by deleting the definition of “unsubsidised day surgical treatment” and substituting the following definition:
“ “unsubsidised”, when used to describe any medical treatment received by a person, means that the person did not receive any subsidy from the Government for that medical treatment.”.
Amendment of regulation 10
3.  Regulation 10 of the principal Regulations is amended —
(a)by deleting paragraph (8);
(b)by deleting paragraphs (10) and (11) and substituting the following paragraphs:
(10)  Subject to paragraphs (1)(c), (2) and (5)(c), where in any policy year, an insured person has received at an approved hospital any medical treatment (excluding any medical treatment specified in paragraph (13)) as an in-patient or as day surgical treatment, and the insured person was admitted for such medical treatment on or after 1st July 2005, he shall be entitled to claim from the Board, in respect of such medical treatment, an amount ascertained in accordance with one of the following formulae:
(a)if the total of the relevant amounts for all such medical treatments received in the policy year is less than or equal to $3,000, the formula is —
 
[(A – B) x 0.8] – C,
 
 
where
A
is the total of the relevant amounts for all such medical treatments received in the policy year;
 
 
B
is the insured person’s contribution specified in item (1) in Part II of the Fourth Schedule; and
 
 
C
is the total claim paid in the policy year;
(b)if the total of the relevant amounts for all such medical treatments received in the policy year is more than $3,000 but less than or equal to $5,000, the formula is —
 
[($3,000 – B) x 0.8]
 
 
+ [(A – $3,000) x 0.85] – C,
 
 
where
A
is the total of the relevant amounts for all such medical treatments received in the policy year;
 
 
B
is the insured person’s contribution specified in item (1) in Part II of the Fourth Schedule; and
 
 
C
is the total claim paid in the policy year; or
(c)if the total of the relevant amounts for all such medical treatments received in the policy year is more than $5,000, the formula is —
 
[($3,000 – B) x 0.8] + ($2,000 x 0.85)
 
 
+ [(A – $5,000) x 0.9] – C,
 
 
where
A
is the total of the relevant amounts for all such medical treatments received in the policy year;
 
 
B
is the insured person’s contribution specified in item (1) in Part II of the Fourth Schedule; and
 
 
C
is the total claim paid in the policy year.
(11)  Subject to paragraphs (1) to (7), where in any policy year, an insured person has received any insured out-patient medical treatment, he shall be entitled to claim from the Board, in respect of such medical treatment, the lower of the following amounts:
(a)80% of the total of the charges incurred for such medical treatment pro-rated against the applicable pro-rating factor; or
(b)the total of the assured amounts for such medical treatment.”;
(c)by deleting paragraph (13) and substituting the following paragraph:
(13)  Subject to paragraphs (1) to (7), where in any policy year, an insured person has received in an approved hospital any treatment of neoplasms by chemotherapy or radiotherapy treatment for cancer (as specified in item 7 of Part I, II, III or IV of the Third Schedule) as an in-patient or as day surgical treatment, he shall be entitled to claim from the Board, in respect of such medical treatment, the lower of the following amounts:
(a)80% of the total of the charges incurred for such medical treatment pro-rated against the applicable pro-rating factor; or
(b)the total of the assured amounts for such medical treatment.”;
(d)by deleting the words “the claim limits provided in paragraphs (1), (2), (5), (8) and (10)” in paragraph (14) and substituting the words “paragraphs (1), (2), (5) and (10)”; and
(e)by inserting, immediately after paragraph (14), the following paragraph:
(15)  In paragraph (10), “relevant amount”, in relation to any medical treatment, means the lower of the following amounts:
(a)the total of the charges incurred for such medical treatment pro-rated against the applicable pro-rating factor; or
(b)the total of the assured amounts for such medical treatment.”.
Amendment of regulation 15
4.  Regulation 15 of the principal Regulations is amended —
(a)by deleting sub-paragraph (b) of paragraph (2) and substituting the following sub-paragraph:
(b)in the case of a person —
(i)who was insured under the Scheme in this Division;
(ii)whose insurance cover under the Scheme in this Division had expired on the ground that he had attained the age of 75 years on or after 1st July 1996 but before 1st December 2001;
(iii)who had moneys standing to his credit in the Fund in his medisave account on 1st December 2001; and
(iv)who applied to the Board before 1st October 2005 to be issued with a new cover under the Scheme in this Division,
any previous claim made under his expired insurance cover under the Scheme in this Division since the date of commencement of the insurance cover.”;
(b)by deleting paragraph (6) and substituting the following paragraph:
(6)  Subject to paragraphs (1) to (4), where in any policy year, an insured person has received any insured out-patient medical treatment, he shall be entitled to claim from the Board, in respect of such medical treatment, the lower of the following amounts:
(a)80% of the total of the charges incurred for such medical treatment; or
(b)the total of the assured amounts for such medical treatment.”; and
(c)by deleting paragraph (8) and substituting the following paragraph:
(8)  Subject to paragraphs (1) to (4), where in any policy year, an insured person has received in an approved hospital any treatment of neoplasms by chemotherapy or radiotherapy treatment for cancer (as specified in item 7 of Part I, II or III of the Third Schedule) as an in-patient or as day surgical treatment, he shall be entitled to claim from the Board, in respect of such medical treatment, the lower of the following amounts:
(a)80% of the total of the charges incurred for such medical treatment; or
(b)the total of the assured amounts for such medical treatment.”.
Amendment of regulation 16
5.  Regulation 16 (3) of the principal Regulations is amended by deleting the words “interest that would have been accrued thereto” and substituting the words “the whole or such part, as the Board may determine, of the interest that would have been payable thereon”.
Amendment of Third Schedule
6.  The Third Schedule to the principal Regulations is amended by deleting the words “10 (8) and (13)” in the Schedule reference and substituting “10 (13)”.
Deletion and substitution of Sixth Schedule
7.  The Sixth Schedule to the principal Regulations is deleted and the following Schedule substituted therefor:
SIXTH SCHEDULE
Regulation 2
Pro-rating Factor for Medical Treatment Received by Person Insured under Scheme in Division 2 of Part Ii
1.  The pro-rating factor for any medical treatment received on or after 1st July 2005 but before 1st January 2008 by an insured person shall be as set out in column A.
2.  The pro-rating factor for any medical treatment received on or after 1st January 2008 by an insured person shall be as set out in —
(a)column B, if he is granted any Government subsidy for the medical treatment at a rate that is applicable to a citizen of Singapore;
(b)column C, if he is granted any Government subsidy for the medical treatment at a rate that is applicable to a permanent resident of Singapore; or
(c)column D, if he is not granted any Government subsidy for the medical treatment.
 
 
Type of Medical Treatment
Applicable Pro-Rating Factor
 
A
B
C
D
1. Approved private hospitals:
 
 
 
 
(a) Day surgical treatment
35%
35%
35%
35%
(b) In-patient treatment
35%
35%
35%
35%
2. Approved restructured hospitals:
 
 
 
 
(a) Unsubsidised day surgical treatment
35%
35%
35%
35%
(b) Subsidised day surgical treatment
100%
100%
87%
Not applicable
(c) In-patient treatment based on class of ward that insured person was discharged from —
 
 
 
 
(i) Class “A” ward
35%
35%
35%
35%
(ii) Class “B1” ward
43%
43%
40%
35%
(iii) Class “B2+” ward
70%
70%
63%
35%
(iv) Class “B2” ward
100%
100%
87%
35%
(v) Class “C” ward
100%
100%
80%
20%
3. Approved community hospitals:
 
 
 
 
In-patient treatment in any class of ward
100%
100%
100 %
100 %
4. Subsidised insured out-patient treatment, and any subsidised treatment of neoplasms by chemotherapy or subsidised radiotherapy treatment for cancer (as specified in item 7 of Part I, II, III or IV of the Third Schedule) received as an in-patient or as day surgical treatment
100%
100%
90%
Not applicable
5. Unsubsidised insured out-patient treatment, and any unsubsidised treatment of neoplasms by chemotherapy or unsubsidised radiotherapy treatment for cancer (as specified in item 7 of Part I, II, III or IV of the Third Schedule) received as an in-patient or as day surgical treatment
100%
100%
100%
100%.”.
[G.N. Nos. S 630/2005; S 770/2005; S 888/2005; S 181/2007; S526/2007; S 649/2007]

Made this 21st day of December 2007.

LEO YIP
Permanent Secretary,
Ministry of Manpower,
Singapore.
[MMS 10.1/82 V14; AG/LEG/SL/36/2005/3 Vol. 2]
(To be presented to Parliament under section 78(2) of the Central Provident Fund Act).