No. S 17
Central Provident Fund Act
(Chapter 36)
Central Provident Fund (Private Medical Insurance Scheme) Regulations 1995
In exercise of the powers conferred by section 77(1)(ja) of the Central Provident Fund Act, the Minister for Labour, after consultation with the Central Provident Fund Board, hereby makes the following Regulations:
Citation and commencement
1.  These Regulations may be cited as the Central Provident Fund (Private Medical Insurance Scheme) Regulations 1995 and shall be deemed to have come into operation on 1st July 1994.
Definitions
2.  In these Regulations, unless the context otherwise requires —
“dependant”, in relation to a member, means —
(a)a member’s spouse, child, parent or grandparent; or
(b)any other person who is dependent on the member and whom the Board may approve for the purpose of these Regulations;
“insurer” means any insurer which is registered under the Insurance Act [Cap. 142];
“Medishield Scheme” means the Medishield Scheme established and maintained by the Board under section 53 of the Act;
“premium” means any premium payable under a private medical insurance policy and includes any goods and services tax thereon;
“private medical insurance plan” means a private medical insurance policy which is approved by the Minister for Health for the purposes of these Regulations;
“Scheme” means the Private Medical Insurance Scheme established and maintained by the Board for the purposes of these Regulations.
Application to withdraw moneys for purchase of private medical insurance plan
3.—(1)  A member who wishes to use the whole or part of the available amount in his medisave account to purchase a private medical insurance policy for himself or his dependant under the Scheme shall apply to the Board for the withdrawal of the amount.
(2)  The amount withdrawn from the member’s medisave account pursuant to an application made by him under paragraph (1) shall be forwarded to the insurer in payment of the premiums payable by the member or his dependent under the private medical insurance policy.
(3)  Every application under paragraph (1) shall be —
(a)made in such form and in accordance with such procedure as the Board may require; and
(b)supported by such documents or evidence as the Board may require,
and may be approved by the Board subject to such terms and conditions as the Board may think fit to impose.
(4)  No member or his dependant shall be insured —
(a)under more than one private medical insurance policy under the Scheme; or
(b)concurrently under the Medishield Scheme and a private medical insurance policy under these Regulations.
Payment of premiums
4.—(1)  Any premium payable in respect of a member or his dependant under the private medical insurance policy taken out under the Scheme shall be paid from the moneys standing to the credit of the member in the Fund in his medisave account at the time when the insurer notifies the Board that the payment of such premium is due.
(2)  If the amount standing to the member’s credit in his medisave account is insufficient to pay the premium which he or his dependant is liable to pay under the private medical insurance policy taken out under the Scheme, the member or, as the case may be, his dependant, shall cease to be insured under the Scheme.
Medishield Scheme
5.  A person who is already insured under the Medishield Scheme shall be deemed to have opted out of that scheme once he is insured under a private medical insurance policy under these Regulations, and the provisions of the Central Provident Fund (Medishield Scheme) Regulations [Rg 20] as are applicable to a person who has opted out of the Medishield Scheme shall thereupon become applicable to him.
Breach of Regulations
6.  If a member who has taken out a private medical insurance policy under the Scheme is in breach of any of these Regulations or if for any purpose connected with these Regulations he makes a false representation to the Board or furnishes the Board with any false information, the Board may require the member to refund to his medisave account all moneys withdrawn by him therefrom under these Regulations together with interest that would have accrued thereto if the withdrawal had not been made.
Made this 19th day of January 1995.
MOSES LEE KIM POO
Permanent Secretary,
Ministry of Labour,
Singapore.
[ML S 10.3/82; AG/SL/21/89]
(To be presented to Parliament under section 78(2) of the Central Provident Fund Act).