Central Provident Fund (Private Medical Insurance Scheme) (Amendment) Regulations 2001

No. S 73

Central Provident Fund Act

(Chapter 36)

Central Provident Fund (Private Medical Insurance Scheme) (Amendment) Regulations 2001

In exercise of the powers conferred by section 77(1)(ja) of the Central Provident Fund Act, the Minister for Manpower, 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) (Amendment) Regulations 2001 and shall be deemed to have come into operation on 1st January 2001.

Amendment of regulation 2

2. Regulation 2 of the Central Provident Fund (Private Medical Insurance Scheme) Regulations (Rg 26) (referred to in these Regulations as the principal Regulations) is amended by inserting, immediately after the definition of “dependant”, the following definition:

“ “Government premium rebate” means —

(a)	the sum of money, equivalent to the amount of premium payable under the MediShield Scheme in Division 2 of Part II of the Central Provident Fund (MediShield Scheme) Regulations (Rg 20); or
(b)	the amount of premium payable after deducting any premium rebate given by the insurer,

whichever is the lower, which may be paid by the Government to a person under the MediShield Scheme for the Elderly;”.

New regulation 2A

3. The principal Regulations are amended by inserting, immediately after regulation 2, the following regulation:

“Application of these Regulations

2A. These Regulations shall apply to persons in respect of whom an application under regulation 3 is approved by the Board.”.

Amendment of regulation 3

4. Regulation 3 of the principal Regulations is amended —

(a)

by deleting the word “The” in paragraph (2) and substituting the words “Subject to paragraph (3), the”; and

(b)

by inserting, immediately after paragraph (2), the following paragraphs:

“(3) Where the private medical insurance policy referred to in paragraph (1) is the Managed Healthcare System, provided by NTUC Income Insurance Co-operative Limited, the amount that may be withdrawn per person insured shall not exceed —

(a)	in the case of a person aged 30 years and below, a sum of $90 per year;
(b)	in the case of a person aged 31 to 40 years, a sum of $135 per year;
(c)	in the case of a person aged 41 to 50 years, a sum of $270 per year;
(d)	in the case of a person aged 51 to 60 years, a sum of $450 per year;
(e)	in the case of a person aged 61 years and above, a sum of $660 per year;
(f)	80% of the amount of premium payable by the member for himself or his dependant, as the case may be, under the policy; or
(g)	the total credit balance in the member’s medisave account,

whichever is the lowest applicable amount.

(4) For the purpose of computing the amount that the Board may deduct under paragraph (1), the sum of $660 referred to in paragraphs (2) and (3) shall include any Government premium rebate which the member may be entitled to receive.”.

Deletion of regulation 4

5. Regulation 4 of the principal Regulations is deleted.

Amendment of regulation 5

6. Regulation 5 of the principal Regulations is amended —

(a)	by deleting the words “or 4 shall be forwarded” in the 2nd and 3rd lines of paragraph (1) and substituting the words “shall be forwarded by the Board”; and
(b)	by deleting the words “or 4” in the 1st line of paragraph (2).

Amendment of regulation 6

7. Regulation 6 of the principal Regulations is amended —

(a)	by inserting, immediately after the word “Scheme” in the 3rd line of paragraph (1), the words “, after discounting any Government premium rebate which the member or his dependant may be entitled to receive,”; and
(b)	by inserting, immediately after the word “Scheme,” in the 4th line of paragraph (2), the words “after discounting any Government premium rebate which the member or his dependant may be entitled to receive,”.

Amendment of regulation 7

8. Regulation 7 of the principal Regulations is amended —

(a)	by deleting the words “be deemed to have opted out of” in paragraphs (1), (2) and (3) and substituting in each case the words “cease to be insured under”;
(b)	by deleting the words “who has opted out of the MediShield Scheme” in the 5th and 6th lines of paragraph (1) and substituting the words “whose policy under the MediShield Scheme has been terminated under regulation 22 or 23 of those Regulations”;
(c)	by deleting the words “the provisions of these Regulations as are applicable to a person who has opted out of the Scheme shall thereupon become applicable to him” in paragraph (2) and substituting the words “regulation 7B shall apply accordingly”; and
(d)	by inserting, immediately after the word “Scheme” in the last line of paragraph (3), the words “and regulation 7B shall apply accordingly”.

Amendment of regulation 7A

9. Regulation 7A(3) of the principal Regulations is amended by deleting the word “scheme” in the 4th line and substituting the word “Scheme”.

Deletion and substitution of regulation 7B

10. Regulation 7B of the principal Regulations is deleted and the following regulation substituted therefor:

“Refund of premium

7B.—(1) If a person insured under the Scheme ceases, under regulation 7 or 7A, to be insured under the Scheme within 2 months from the date of the commencement of his existing insurance cover, the insurer with whom the existing private medical insurance policy is taken out shall refund, in the manner set out in paragraph (3), the full amount of the premium paid by the member for that policy year.

(2) If a person insured under the Scheme —

(a)	ceases, under regulation 7 or 7A, to be insured under the Scheme at any time after the second month of the commencement of the existing insurance cover; and
(b)	has not, before the effective date of termination of his insurance cover, made any claim under the existing private medical insurance policy,

the insurer with whom the existing policy is taken out shall refund, in the manner set out in paragraph (3), a pro-rated amount of the premium in respect of the unexpired period of the insured person’s insurance cover under the Scheme.

(3) The refund of the full amount of the premium referred to in paragraph (1), and the refund of the pro-rated amount of the premium in respect of the unexpired period of the insurance cover referred to in paragraph (2), shall be paid in the following manner:

(a)

where the premium for the policy year was deducted entirely from the member’s medisave account, the refund shall be paid into the member’s medisave account;

(b)

where the premium for the policy year was paid entirely using the Government premium rebate, the refund shall be paid to the Government in cash; and

(c)

where the premium for the policy year was paid using the Government premium rebate, by deducting from the member’s medisave account, or by cash, or by any combination of these, such amount of the refund, as represents the proportionate amount of the Government premium rebate paid, if any, shall be paid to the Government in cash, and —

(i)	where the balance remaining, after refund of the proportionate amount of the Government premium rebate, is less than the amount of premium paid in cash, such balance shall be paid to the member in cash; and
(ii)	where the balance remaining, after refund of the proportionate amount of the Government premium rebate, is more than the amount of premium paid in cash, such balance shall be paid to the member in cash in respect of any amount of premium paid in cash, and any amount remaining thereafter shall be paid to his medisave account.”.

[G.N. No. S 347/2000]

Made this 8th day of February 2001.

TAN CHIN NAM

Permanent Secretary,
Ministry of Manpower,
Singapore.

[MM S10.3/82; AG/LEG/SL/36/97/3 Vol. 1]

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

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