Search within Legislation

Search Results

No. S 511

Central Provident Fund Act

(Chapter 36)

Central Provident Fund (Medishield Scheme) (Amendment No. 3) Regulations 2010

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. These Regulations may be cited as the Central Provident Fund (MediShield Scheme) (Amendment No. 3) Regulations 2010 and shall come into operation on 15th September 2010.

Amendment of regulation 8

2. Regulation 8 of the Central Provident Fund (MediShield Scheme) Regulations (Rg 20) (referred to in these Regulations as the principal Regulations) is amended —

(a)

by deleting paragraphs (6), (7) and (8) and substituting the following paragraphs:

“(6) If the amount standing to a member’s credit in his medisave account is insufficient to pay the premium which he is liable to pay under this Division in respect of himself, after discounting any Government premium rebate which the member may be entitled to receive, the Board may permit the deficiency to be paid in such manner as the Board thinks fit, subject to such terms and conditions as the Board may impose.

(7) Where a member’s spouse is to be covered under the Scheme under regulation 6(1)(b) or 7(2), the premium to be paid in respect of the spouse shall be deducted from the member’s medisave account.

(8) Notwithstanding paragraph (7), the premium to be paid in respect of a spouse covered under the Scheme under regulation 6(1)(b) or 7(2) shall be deducted from the medisave account of the spouse if at the time of renewal or on such other date as may be determined by the Board —

(a)

the spouse has attained the age of 16 years;

(b)

the member —

(i)	is deceased;
(ii)	has notified the Board under regulation 23A that he does not wish to pay for the premium in respect of his spouse from the amount standing to his credit in his medisave account and the Board has received such notice; or
(iii)	has insufficient moneys standing to his credit in his medisave account to pay the premium in respect of his spouse; and

(c)

the amount standing to the credit of the medisave account of the spouse is sufficient to pay such premium.

(8A) Notwithstanding paragraph (7), where —

(a)	the amount standing in the medisave account of the member is insufficient to pay the premium in respect of his spouse covered under the Scheme under regulation 6(1)(b) or 7(2); and
(b)	the spouse does not have a medisave account or the amount standing in the medisave account of the spouse is insufficient to pay such premium under paragraph (8),

the Board may permit the deficiency to be paid in such manner and at such time as the Board thinks fit, subject to such terms and conditions as the Board may impose.”;

(b)

by deleting the words “, after discounting any Government premium rebate which the child may be entitled to receive,” in paragraph (9);

(c)

by deleting paragraph (12) and substituting the following paragraphs:

“(12) Notwithstanding paragraphs (9) and (10), the premium to be paid in respect of a child covered under the Scheme under regulation 6(1)(f), ( g) or (h) or 7(2) shall be deducted from the medisave account of the child if at the time of renewal or on such other date as may be determined by the Board —

(a)

the child has attained the age of 16 years;

(b)

the member —

(i)	is deceased;
(ii)	has notified the Board under regulation 23A that he does not wish to pay for the premium in respect of the child from the amount standing to his credit in his medisave account and the Board has received such notice; or
(iii)	has insufficient moneys standing to his credit in his medisave account to pay the premium in respect of the child; and

(c)

the amount standing to the credit of the medisave account of the child is sufficient to pay such premium.

(12A) Notwithstanding paragraphs (9), (10) and (12), the premium to be paid in respect of a child covered under the Scheme under regulation 6(1)(f), (g) or (h) or 7(2) shall be deducted from the medisave account of the child if —

(a)

the child was below the age of 21 years when he was first covered under the Scheme; and

(b)

at the time of renewal or on such other date as may be determined by the Board —

(i)

the child has attained the age of 21 years;

(ii)

the amount standing to the credit of the child in his medisave account is sufficient to pay the premiums for the next 3 years; and

(iii)

the child has, for such period prior to the renewal of the insurance cover as may be determined by the Board —

(A)	received contributions to his account in the Fund by his employer; or
(B)	paid contributions to his medisave account in the Fund under the Central Provident Fund (Self-Employed Persons) Regulations (Rg 25),

unless the Board approves, subject to such terms and conditions as the Board may impose, an application by any other person to pay the premium in respect of the child from the amount standing to the credit of that other person’s medisave account.

(12B) Notwithstanding paragraphs (9) and (10), where —

(a)	the amount standing in the medisave account of the member is insufficient to pay the premium in respect of his child covered under the Scheme under regulation 6(1)(f), (g) or (h) or 7(2); and
(b)	the child does not have a medisave account or the amount standing in the medisave account of the child is insufficient to pay such premium under paragraph (12) or (12A),

the Board may permit the deficiency to be paid in such manner and at such time as the Board thinks fit, subject to such terms and conditions as the Board may impose.

(12C) The premium to be paid in respect of a member’s dependant, other than his spouse covered under the Scheme under regulation 6(1)(b) or 7(2) or his child covered under the Scheme under regulation 6(1)(f), (g) or (h) or 7(2), shall be deducted from the medisave account of the member.

(12D) Notwithstanding paragraph (12C), the premium shall be deducted from the medisave account of a dependant referred to in paragraph (12C), if at the time of renewal or on such other date as may be determined by the Board —

(a)

the dependant has attained the age of 16 years;

(b)

the member —

(i)	is deceased;
(ii)	has notified the Board under regulation 23A that he does not wish to pay for the premium in respect of the dependant from the amount standing to his credit in his medisave account and the Board has received such notice; or
(iii)	has insufficient moneys standing to his credit in his medisave account to pay the premium; and

(c)

the amount standing to the credit of the medisave account of the dependant is sufficient to pay such premium.

(12E) Notwithstanding paragraph (12C), where —

(a)	the amount standing in the medisave account of the member is insufficient to pay the premium in respect of his dependant referred to in paragraph (12C); and
(b)	the dependant does not have a medisave account or the amount standing in the medisave account of the dependant is insufficient to pay such premium under paragraph (12D),

the Board may permit the deficiency to be paid in such manner and at such time as the Board thinks fit, subject to such terms and conditions as the Board may impose.”; and

(d)

by inserting, immediately after paragraph (14), the following paragraph:

“(15) The Board may, in any other case, approve the withdrawal of the whole or part of the amount standing to the credit of a member in his medisave account to pay the premium in respect of the member’s insurance cover under the Scheme at the time of renewal or on such other date as may be determined by the Board, subject to such terms and conditions as the Board may impose.”.

Amendment of regulation 16

3. Regulation 16 of the principal Regulations is amended by deleting paragraph (2) and substituting the following paragraph:

“(2) Subject to paragraphs (3) and (4), where the insurance cover of an insured person is cancelled under paragraph (1), the refund of the premium shall be paid into the medisave account of the member referred to in paragraph (1), notwithstanding the manner in which the premium was paid.”.

Amendment of regulation 21

4. Regulation 21 of the principal Regulations is amended by deleting paragraph (4) and substituting the following paragraph:

“(4) If, at the time of renewal of the insurance cover of a member’s dependant, the premium for the insurance cover was not deducted from the amount standing to the credit of —

(a)	the member in his medisave account; or
(b)	the dependant in his medisave account under regulation 8(8), (12), (12A) or (12D),

the insurance cover of the member’s dependant shall not be renewed but the member or his dependant may apply to the Board for renewal of the insurance cover, subject to such terms and conditions as the Board may impose.”.

Amendment of regulation 22

5. Regulation 22 of the principal Regulations is amended by deleting paragraphs (2), (3) and (4) and substituting the following paragraphs:

“(2) Where an insured person referred to in paragraph (1) terminates his insurance cover within the first year of his insurance cover under the Scheme, the Board shall refund —

(a)	if his insurance cover is terminated within 2 months from the date of commencement of his insurance cover, the full amount of the premium paid by him for that policy year; or
(b)	if his insurance cover is terminated at any time more than 2 months from the date of commencement of his insurance cover, the pro-rated amount of the premium in respect of the unexpired period of his insurance cover.

(3) Where, after the insurance cover of an insured person referred to in paragraph (1) has been renewed, he terminates his insurance cover in respect of any year after the first year of his insurance cover under the Scheme, the Board shall refund the pro-rated amount of the premium in respect of the unexpired period of his insurance cover.

(4) Any refund of premium under paragraph (2) or (3) or regulation 21(5) or (7), 23(3) or (4) or 25(6) shall be paid into the medisave account of the member, who was insured or whose dependant was insured under the Scheme, as the case may be, notwithstanding the manner in which the premium was paid.”.

Amendment of regulation 23

6. Regulation 23 of the principal Regulations is amended —

(a)

by deleting paragraph (1) and substituting the following paragraph:

“(1) Where an insured person is insured as a dependant of a member of the Fund and —

(a)	has attained the age of 16 years; and
(b)	does not lack capacity within the meaning of section 4 of the Mental Capacity Act (Cap. 177A),

the insured person may terminate his insurance cover by lodging with the Board a written notice in such form as the Board may require, stating that he no longer wishes to be insured under the Scheme.”; and

(b)

by deleting paragraph (3) and substituting the following paragraphs:

“(3) Where the insurance cover of a person, who is insured as a dependant of a member of the Fund, is terminated in accordance with paragraph (1) or (2) within the first year of the insurance cover, the Board shall refund —

(a)	if the insurance cover is terminated within 2 months from the date of commencement of the insurance cover, the full amount of the premium paid for that policy year; or
(b)	if the insurance cover is terminated at any time more than 2 months from the date of commencement of the insurance cover, the pro-rated amount of the premium in respect of the unexpired period of the insurance cover.

(4) Where, after the insurance cover of a person insured as a dependant of a member of the Fund has been renewed, the insurance cover is terminated in accordance with paragraph (1) or (2) in respect of any year after the first year of the insurance cover, the Board shall refund the pro-rated amount of the premium in respect of the unexpired period of the insurance cover.”.

New regulation 23A

7. The principal Regulations are amended by inserting, immediately after regulation 23, the following regulation:

“Opting not to use moneys in medisave account to pay premium

23A.—(1) A member may give notice in writing to the Board, in such form as the Board may require, stating that he no longer wishes to pay, from the amount standing to his credit in his medisave account, the premium which he is liable to pay under these Regulations in respect of the insurance cover of his dependant.

(2) Subject to these Regulations, where the Board has received the notice referred to in paragraph (1), the dependant shall cease to be insured under the Scheme from the anniversary of the date of the commencement of his insurance cover, or on such other date as may be determined by the Board in the particular case, unless the premium payable in respect of the dependant is paid from the amount standing to the credit of the dependant in his medisave account under regulation 8(8), (12), (12A), (12D) or (15) or in such manner as the Board thinks fit, subject to such terms and conditions as the Board may impose.

(3) Where the Board has received the notice referred to in paragraph (1), the Board may refund, in full or in part, the premium paid by the member in respect of the insurance cover of the dependant, and such refund shall be paid into the medisave account of the member.”.

Amendment of First Schedule

8. Paragraph (4) of the First Schedule to the principal Regulations is deleted and the following paragraph substituted therefor:

“(4) Dental work or dental treatment except —

(a)	treatment owing to accidental injuries; and
(b)	such dental work or dental treatment certified in writing by a medical practitioner to be necessary in relation to a separate surgical treatment where such surgical treatment is not an excluded medical treatment.”.

[G.N. Nos. S 447/2008; S 691/2008; S 89/2010; S 120/2010]

Made this 8th day of September 2010.

LOH KHUM YEAN

Permanent Secretary,
Ministry of Manpower,
Singapore.

[MMS 10/82 V23; AG/LLRD/SL/36/2010/2 Vol. 1]

(To be presented to Parliament under section 78(2) of the Central Provident Fund Act).