MediShield 医疗保费01/03起调高很多,一家4口医疗保险花多少？

我的新天地 · 发表于 26-1-2013 08:40:08|来自：新加坡

本帖最后由我的新天地于 24-9-2013 21:06 编辑

健保双全 MediShield 要更新，从01 Mar 2013 开始生效，这里就先来跟大家分享一下改变的内容。

What are the changes to MediShield?The following changes will be introduced to MediShield from 1 March 2013:

a) Increase the coverage age from 85 to 90 years to ensure that our elderly remain insured as they live longer;

提高了保障年龄至90岁。

b) Extend coverage to inpatient congenital and neonatal treatment for newly diagnosed conditions [1]. This will allow all Singapore Citizens born on or after 1 March 2013 to be covered under MediShield without having to be assessed for pre-existing conditions;

延伸保障到新生儿先天缺陷或疾病。

c) Extend coverage to inpatient psychiatric treatment at $100 per day up to 35 days per year for newly diagnosed conditions [1], to encourage timely and appropriate treatment of mental illnesses;

延伸保障到精神病的治疗。

d) Extend coverage to short-stay wards in Emergency Departments;

延伸保障到紧急门诊短时间停留住院。

e) Increase the policy year and lifetime limit from $50,000 to $70,000 and from $200,000 to $300,000 respectively to better cover members who face exceptionally large bills;

增加年度和终身索赔顶限。

f) To maintain the scheme’s focus on large bills, increase the Class B2/C deductibles [2] moderately by $500 from $1,500/$1,000 to $2,000/$1,500 for those aged 80 and below based on their age next birthday [3] ;

增加病房扣除额部分（自己需要承担更多的账单）

g) Increase the Medisave withdrawal limits for MediShield and Medisave-approved Integrated Shield Plans from $800 to $1,000 for those aged 76 to 80 and from $1,150 to $1,200 for those aged above 80 based on their age next birthday;

增加MediShield或提升后计划的MediSave 支出限额。

h) Remove the MediShield maximum entry age of 75 to enable healthy uninsured elderly to obtain coverage; and

取消了最大投保年龄。

i) Update MediShield premiums in line with claims experience and to support the benefit enhancements.

增加了MediShield保费。

	Revised MediShield Premiums
Age (next birthday)	Current Annual Premium ($)	Before Top-up		One-off Medisave Top-up [1] [1] ($)	Annual GST Voucher - Medisave [2] [1] (AV <= $13,000) ($)	Revised Premium Payable for next two years (After half of one-off and annual top-ups)
		Revised Premium ($)	Change Per Month ($)
		Revised Premium ($)	Change Per Month ($)			Annual Payable ($)	Change Per Month ($)
1 – 20	33	50	<2	50	-	25	Drop by ~1
21 – 30	33	66	<3	50	-	41	~1
31 – 40	54	105	<5	50	-	80	~2
41 – 50	114	220	<10	100	-	170	~5
51 – 60	225	345	~10	200	-	245	~2
61 – 65	332	455	~10	300	-	305	Drop by ~2
66 – 70	372	540	~14	300	250	265	Drop by ~9
71 – 73	390	560	~14	300	250	285	Drop by ~9
74 – 75	462	646	~15	300	250	371	Drop by ~8
76 – 78	524	775	<21	400	350	400	Drop by ~10
79 – 80	615	865	<21	400	350	490	Drop by ~10
81 – 83	1,087	1,123	~3	400	350	748	Drop by ~28
84 – 85	1,123	1,150	~2	400	350	775	Drop by ~29
86 – 90	-	1,190	-	400	450	765