新加坡住院险大变动:癌症治疗政策大解析

从2022年9月1日开始,新的癌症治疗补贴政策将生效,对于那些在MediShield Life国家健康保险计划下的新加坡公民和永久居民来说,这意味着一些小小的变动。

更有趣的是,从2023年4月起,这些调整也将波及到那些购买了综合保险计划的人,这些私人健康附加计划在MediShield Life基础上提供了一些额外的好处。

咱们来简要了解一下这些变动,以及它们对你的影响以及你可以采取什么措施来确保在治疗时有足够的选择而不必太担心费用问题。

为啥要改MediSave Life索赔框架,有啥变动?

首先,MediShield Life计划是为了保障我们在面对医疗费用时有些许财务保护。毕竟,保持财政可持续性并跟上医学科技的发展是关键,所以它定期接受审查。

在2020年的一次大审查中,MediShield Life理事会发现癌症治疗的索赔支出有点过多。于是,为了确保整个计划能够对所有人都起作用,理事会在2021年提出了一些有关索赔框架和金额的变动,政府也在同年接受了这些建议。

变动概要,MediShield Life和MediSave框架怎么变?

现在来看看具体有哪些变动。以前,对于所有癌症药物治疗和相关服务,每月的索赔上限是固定的3000新元。现在,这个数字将根据卫生部的癌症药物清单上的治疗来调整,范围从每月200到9600新元不等。

政府表示,这个清单包括了公立医院使用的90%的治疗,所以大多数患者应该不会受到负面影响。此外,每年还能额外索赔1200新元用于癌症药物服务。

对于MediSave账户的提取限额也进行了一些修改。以前,每月最多能提取1200新元用于所有癌症药物治疗和服务,另外每年还能提取额外的600新元用于癌症扫描。现在,每月的提取限额将根据MediShield Life索赔上限的高低而定,高于5400新元的治疗每月可提取1200新元,低于或等于5400新元的治疗每月可提取600新元。此外,每年还能额外提取600新元用于癌症扫描和/或癌症药物服务。

这轮变动中还对药物援助基金(MAF)进行了一些调整,该基金将根据患者家庭收入提供更多的药物补贴。这将于2022年11月1日生效。

了解MOH癌症药物清单和禁止“越权”癌症治疗

对于癌症治疗,有一个癌症药物清单。清单不仅列出了药物的名称,还列出了它被批准用于对抗的具体癌症。这意味着为了索赔,你必须使用被批准用于你患有的癌症的药物。

在癌症治疗中,医生有时候会使用一种通常用于治疗一种癌症的药物,来治疗其他形式的癌症,尤其是当患者对传统治疗反应不佳时。这种做法叫“越权”治疗。不过,由于对MediShield Life和MediSave用于癌症治疗的规则的调整,未来“越权”治疗将不再被接受。

卫生部设立了一个肿瘤药物小组(ODS)和药物咨询委员会(DAC),这两个组织由私人和公共医疗机构的临床专家组成,定期审查这个清单。

此外,还将设立一个机制,医生和制药公司可以请求对药物和治疗进行评估,并纳入批准的清单,如果有足够的理由,比如有临床研究显示其疗效和经济效益。

这些变动对你有啥影响以及你能做啥来增强你的保障

听到这些变动可能有点担心,毕竟关系到我们的健康。政府承诺不会让任何患者被丢在一边,会采取措施确保每一个真实的病例都会得到支持。不过,具体的支持程度还需要观察,特别是在这些变动生效后。

在个人层面上,我们也可以为自己提供更大的安心感。通过了解关键疾病保险政策和癌症专用计划,我们可以获得一次性的支付,这些支付可以在癌症诊断时使用。而这些支付可以由我们自己和医疗提供者共同决定,用于追求我们认为合适的治疗方式。

这些保险计划通常起到了替代收入的作用,同时也为我们提供了在私人或公共医疗体系中寻求补充和/或非传统治疗的选择。如果你想了解更多关于关键疾病保险计划或癌症专用保险政策的信息,欢迎您随时联系我: Wechat: NU24102., WA: 006596879885

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Li Wenjun Olivia 李文君

非常荣幸,您来到我的个人网页。我是Olivia 李文君。2008年来到新加坡做为一个全额奖学金的学生,在新加坡最大公立医院ICU工作7年后,转行理财行业。入行之后我不断的去提升自己,结合自己的医疗背景,为客户转移潜在风险,精准配置。并且帮助客户做财务增值规划,让未来不确定的人生中有一份安心。非常尽心尽力的去服务我的每一位客户,不论您是刚毕业的年轻人,还是身价上亿的老总。希望我可以成为您在新加坡理财规划中的一个值得信赖的资源人士,为您货比三家,优中选优,在超过150家金融合作伙伴的产品中,配置最适合您的理财规划方案。

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