Means testing is a method to calculate the subsidies you will receive from the government when you use care services. It ensures that patients from lower-income households receive more subsidies than those from higher-income households. If you choose to stay in a subsidized ward (i.e. class B2 or C), means testing is used to calculate the amount of subsidy you can receive.
Means testing is based on your Per Capita Household Income. If this is not available, the annual value of your property will be used. Means Testing is applicable only for Singaporeans / PR.
Singaporeans and PRs enjoy government subsidies for inpatient and day surgery admissions, as well as outpatient visits at public hospitals.
|Class B2 ward||Up to 80%|
|Class C ward||Up to 80%|
|Subsidized services||Up to 70%|
|Subsidized standard medications||Up to 75%|
|Day Surgery Treatments:||Subsidy|
|Selected surgery treatments||Up to 80%|
The amount of subsidy that is granted depends on your citizenship or residency status, financial circumstances and the hospital care services you choose.
National Electronic Financial Records (NeFR)
The National Electronic Financial Records (NeFR) is an electronic database set up by the Ministry of Health (MOH). The NeFR contains information of the patient’s income, previous healthcare utilization claims, MediSave balance; MediShield Life coverage and eligible subsidies etc. These information enables the hospital to facilitate quick financial assessments for the patient.
If you agree to share your data, your information will be accessed for official purposes only. Information that the hospital staff will have access to include:
- Medisave balance
- MediShield Life coverage
- Eligible Financial subsidies
Community Health Assistance Scheme (CHAS)
CHAS enables Singapore Citizens from lower to middle income households, as well as all Pioneers and Merdeka Generation seniors, to receive subsidies for medical and dental care at participating general practitioners (GPs) and dental clinics.
How do I become a CHAS Cardholder?
All Singapore Citizens are eligible. You can apply for the CHAS card by
clicking here to download the CHAS Application form.
Singaporeans who qualify for CHAS will receive an individual green, orange or blue CHAS card. Orange and blue CHAS card holders will also enjoy subsidized referrals to Specialist Outpatient Clinics (SOCs) located at Public Hospitals and the National Dental Centre.
Find out more about CHAS
Pioneer Generation Package
The Pioneer Generation Package was introduced to thank all Pioneers for their contributions to the nation.
Find out more about Pioneer Generation Package
Merdeka Generation Package
The Merdeka Generation Package was also introduced to thank the Merdeka Generation for their contributions to the nation.
Find out more about Merdeka Generation Package
You can use Medisave to pay your hospital bill as well as that of your immediate family, i.e. your spouse, children, parents or grandparents. If you are using your Medisave for your grandparents, they must be Singapore Citizens or Permanent Residents.
During admission, you should inform the Admissions staff your intention to use your Medisave to pay. You should also bring along your NRIC/Passport or your CPF membership card. You will also need to sign a Medisave Authorization Form authorizing the CPF Board to deduct from your Medisave Account to pay for the hospital bill.
Medishield Life is a basic health insurance plan that protects all Singapore Citizens and Permanent Residents against large hospital bills for life, regardless of age or health condition. Medishield Life will cover Community Hospital stay upon referral from a hospital after an inpatient admission or from a public hospital's emergency department for further medical treatment.
The payouts will be computed based on scheme parameters such as claim limit of $350 daily (total claims of S$100,000 per policy year), deductibles and co-insurance. The remaining amount which is not covered by Medishield Life may then be settled by using Medisave and/or cash.
Find out more about MediShield Life
Private Medisave-approved Integrated Shield Plans (PMIs)
Private Medical Insurance is a scheme which allows CPF members to use their Medisave savings to buy Medisave-approved Integrated Shield Plans for themselves and their dependents. Dependents refer to a member's parents, spouse, children and grandparents. Premiums can be paid from your Medisave account, with a limit of S$800 per annum per person, or S$1150 for those above 80 years old.
Each insured person can only have one Medisave-approved Integrated Shield Plan paid with Medisave. You may
visit the Ministry of Health's website for more information on the various schemes and subsidies.
Find out more about Private Medisave-approved Integrated Shield Plans
Medical Claims Authorization Form (MCAF)
If you use your MediSave, MediShield Life or Private Medisave-approved Integrated Shield Plans (PMIs) to pay your hospital bills, you are required to sign a Medical Claims Authorization Form (MCAF). By giving your consent, this allows the hospital to:
- Check your MediSave balance and available withdrawal limit
- Withdraw your MediSave to pay for approved treatments
- Claim from your MediShield Life or Integrated Shield Plan to pay for approved treatments
There are two types of MCAF forms:
MCAF - Multiple (M) allows you to use your MediSave at all MediSave accredited healthcare institutions. MCAF-M provides convenience as you only need to sign once to use your MediSave funds is for life
MCAF - Single (S) allows you to exercise flexibility should you decide to provide limited consent to use your MediSave funds. You can also limit the type of schemes you would like to tap on, and choose the duration for the usage of your MediSave funds
Similar to MediSave, to activate the use of MediShield Life and PMIs, you are also required to sign a Medical Claims Authorization Form (MCAF).
Medical Social Workers will assess you on your eligibility if you require financial assistance. Your request will be kept strictly confidential. The amount of financial assistance given will vary, depending on factors such as your hospital bill size and financial circumstances. The following options will be explored for financial assistance:
- Downgrading to subsidized class status
- Medifund, an endowment fund set up by the Government to help needy Singaporeans who have difficulty paying for their subsidized medical expenses even after insurance and Medisave
- Other government assistance schemes such as Medication Assistance Fund
TTSH Community Fund supports needy patients, especially the elderly who are unable to afford out-of-pocket expenses
- Appeals to the various endowment funds
For details about various healthcare financing schemes and subsidies available in Singapore, please
visit MOH Healthcare Schemes and Subsidies page.
For details about receiving counselling from our Medical Social Workers, please visit our
TTSH’s Care and Counselling page.
Where are Financial Counsellors located?
Upon confirmation of the patient’s admission to the hospital, Financial Counsellors are onsite at the
Emergency Department to inform them of their estimated hospital bill and advise on the different types of financial help available.
For admissions and financial counselling enquiries, please approach our financial counsellors at the Admission Office situated at the following locations:
TTSH Admission Office
(Near TTSH Ward Entrance, Level 1)
Tel: 6357 8898, 6357 8899
Fax: 6251 4095
Opening hours: Mondays to Fridays: 8.00 am to 6.00 pm | Saturdays, Sundays and Public Holidays: 8.00 am to 3.00 pm
National Centre for Infectious Diseases (NCID) Admission Office
(Near Ward Visitor Registration, Level 1)
Tel: 6889 4992
Opening hours: Mondays to Fridays: 8.00 am to 5.00 pm | Saturdays, Sundays and Public Holidays: Closed
Specialist Outpatient Clinics (SOCs)
Financial counsellors are situated at the SOCs to provide information on available financial schemes and subsidies to reduce your out of pocket payment during your outpatient visit.
Pre Admission Counselling and Evaluation (PACE)
PACE Clinic provides financial counselling services for patients who are scheduled for specialized surgeries after their visit to the specialist outpatient clinics. PACE is located at
TTSH Medical Centre, Basement 2.
What documents are required?
Please bring your identification and insurance documents for your financial counselling.
- National Registration Identity Card (NRIC)
- Birth Certificate (if you are below 15 years old)
- Passport (if you are a foreigner)
- Employment Pass or letter from employer (if you are a Work Permit / S Pass/ Employment Pass Holder)
- Student Pass/ Dependent Pass
Insurance and Other Relevant Documents
- Letter of Guarantee from your private medical insurer (if available)
- Medical benefit identification documents (if available) - e.g. Civil Service Card