Tag: healthcare

  • Insurers Should Assess If Rise In IP Premiums Warranted

    Insurers Should Assess If Rise In IP Premiums Warranted

    Any future premium increases in Integrated Shield Plans (IPs) would be a commercial decision insurers have to make, as they consider factors such as business costs and claims experience, said Minister of State for Health Lam Pin Min.

    But as MediShield Life would cover a higher proportion of the IP payout and future claims would differ, IP insurers should take this into consideration when reviewing the premiums. “(Twelve) months is a reasonable time frame for (insurers) to assess the situation and see whether an increase will be warranted,” Dr Lam said yesterday, noting that the Ministry of Health (MOH) is in discussions with the LIA on keeping premiums affordable.

    Noting that there are five insurers providing IPs, he said: “They have to be competitive as well, so they do not price themselves out of the market.”

    Dr Lam was speaking to reporters in response to a statement issued by the Life Insurance Association (LIA), in which it had revealed estimates as to how much less in IP claims payouts would come from the “top-up” portion.

    The “top-up” refers to the additional private-insurance portion of IPs that covers stays in private hospitals and Class A and B1 wards in public hospitals. For IPs that target Class A and B1 ward users, the proportion would fall by an estimated 14 percentage points, said LIA, which represents the five insurers: AIA, Aviva, Great Eastern, NTUC Income and Prudential.

    LIA also reiterated that it would maintain premiums for a year after the implementation of MediShield Life, but noted that an upward adjustment of premiums would be needed.

    Dr Lam also provided updates on the implementation of MediShield Life, saying that the ministry is reviewing the list of pre-existing serious medical conditions that would warrant additional premiums, and would announce details in one to two months.

    MediShield Life is set to cover all Singaporeans when it kicks in at the end of the year, including those with pre-existing conditions, but some who are not covered under MediShield and have serious pre-existing conditions would pay higher premiums.

    Conditions that may mean higher premiums include chronic renal failure, but Dr Lam said the MOH would be “very fair and compassionate” in the review. He added that an announcement on the standardised IP plan for treatment at Class B1 wards could be expected early next year.

     

    Source: www.todayonline.com

  • The 3 M’s Of Healthcare In Singapore

    The 3 M’s Of Healthcare In Singapore

    Many of us know we are covered by some health insurance under our CPF scheme, but do we know enough to make use of it?

    Do you understand the difference between Medishield, Medisave and Medifund? How can these help Singaporeans with our hospitalisation and medical bills?

    MediShield

    MediShield is a basic medical insurance plan that helps cover large hospital bills and selected outpatient treatments. MediShield premiums can be paid using Medisave, and it will be changed to become MediShield Life by end of 2015.

    Medisave

    Medisave is a national healthcare savings scheme where a portion of your CPF savings goes into the account to help you build up your savings for healthcare purposes.

    You can use your Medisave to pay for your own and your immediate family members’ hospitalisation payments. You can also use your Medisave savings to pay the premiums of MediShield and Medisave-approved Integrated Shield Plans.

    Coverage includes hospitalisation, day surgery and certain outpatient treatments, including health screening and vaccinations for selected groups.

    Medisave can be used at public hospitals, Medisave-accredited private hospitals and outpatient clinics.

    Medifund

    Medifund is an endowment fund that works like a financial safety net to help needy Singaporeans who cannot afford hospital expenses despite Medisave and MediShield.

    The CPF Board administers the Medisave and MediShield schemes while there are other medisave-approved integrated shield plans that work with private insurers to provide a more comprehensive coverage.

    More than 80 percent of Singaporeans use Medisave to pay for their hospitalisation expenses and about 75 percent of Singaporeans are covered under MediShield and other approved insurance plans.

    Unlike some other countries where healthcare benefits enjoy a large government subsidy, the Singapore government emphasises on individual responsibility with some government support.

    As we all know how huge hospitalisation bills can be in Singapore, how then can we ensure we have a better coverage?

    Changes in Medishield starting from December 2007 ensure all new-born Singaporeans are automatically covered by the programme, helping policyholders to pay for large hospitalisation bills at Class B2/C level.

    Medishield has deductible and co-insurance features, which means you need to pay an initial amount once in a policy year before you can make a claim.

    Having said this, you may notice that medical bills are still not cheap and not comprehensively covered even under the Medishield.

    That’s where the Medisave-approved Shield plans come in.

    These policies ensure that you enjoy the benefits of coverage both from your private insurers as well as MediShield. Annual premiums average about $300 for the age band of 31 to 40.

    These Private Integrated Shield Plans are offered by 5 insurers:

    Great Eastern Life

    NTUC Income

    Aviva

    Prudential Assurance

    American International Assurance

    Given the fact that Medisave-approved Shield plans are largely popular, you can guess that the basic coverage of Medisave for our healthcare is definitely not enough for most Singaporeans.

    Be prudent and do consider buying a private insurance plan to top it up because the last thing you want to worry about when you are sick or hospitalised is borrowing money to pay for the hefty bills!

     

    Source: https://sg.finance.yahoo.com

  • More Foreign Nurses Hired To Provide Home Care

    More Foreign Nurses Hired To Provide Home Care

    Ms Swaroopa Rani holds a diploma in nursing and has worked for more than 10 years in hospitals in India, even starting up one in a rural village in Pondicherry.

    But since last year, the 34-year-old mother of two has been working in a Singapore household on a work permit – the same pass as a maid.

    “A nurse is a nurse anywhere,” she said. “Whether in hospital or in home care, I hope to do my profession justice.”

    Instead of many patients a day, she sees just one – Mr Goh Chong Huat, 95, a cardiac patient who also had gallstones and had to live with a catheter to drain urine.

    He used to be in and out of hospital every month, but has not had to be hospitalised since Ms Rani started caring for him at his home near Bedok. She changed his diet and he is no longer dependent on a catheter.

    “No one likes to stay in a hospital for a long time. At home he is more comfortable and he can do what he likes,” she told The Straits Times.

    Ms Rani, who works with Active Global Specialised Caregivers, is one of a growing number of qualified foreign nurses in Singapore caring for patients outside of hospitals and nursing homes.

    At least two companies began specialising in this service in the past two years, and existing ones say demand is growing.

    Mrs Susan Ng, director of Sue Private Nurses Agency, which has been offering the service since 1990, said she gets more than 10 new enquiries a month.

    Dr Dana Elliott Srither, chief executive of Optinuum Health Services, said that since bringing in foreign nurses early last year, he has received more enquiries than the company can handle.

    The benefits are clear: Home care allows patients to stay in a familiar environment.

    “A person can avoid going to a nursing home and age in his own place,” said Ms Yorelle Kalika, chief executive of Active Global Specialised Caregivers, which has brought in more than 150 nurses.

    Affordability is another reason for the growing demand. Foreign home nurses are paid between $600 and $1,000 a month, depending on their qualifications.

    This is higher than the $500 average salary of a maid, but far less than the salary of a local nurse, who may earn $6,000 a month doing 12-hour shifts in a patient’s home, said Mrs Ng.

    It can also be lower than nursing home fees, which range from $1,200 to $3,500 a month before government subsidies for households below an income cap.

    The home nurses come from countries such as the Philippines, Indonesia, India and Sri Lanka.

    There are no official figures on the number of foreign nurses working on foreign domestic worker work permits, but industry estimates suggest there are at least 250. Their job scope may include taking patients through exercises, dressing their wounds, monitoring vital signs, and bathing and feeding them.

    “We say no if the family asks if she can also take care of the kids. That would distract the caregiver and short-change the patient,” said Ms Kalika.

    For retired architect Chuah Yet Lian, 88, employing a home nurse through Sue Private Nurses Agency has allowed him to play a role in caring for his wife, a stroke patient, for the past 15 years.

    “I don’t want her to go to a nursing home because she can’t speak and tell you what she wants,” he said.

    “I think it’s safer to get someone to look after her at home. I can look after her sometimes.”

    There are also benefits for the nurses. Ms Rani said she likes the security of working in a home and not having to spend on food and lodging.

    “I want to save some money for my family and for a nursing degree,” she said.

     

    Source: www.straitstimes.com

  • Managing The Wait At Polyclinics

    Managing The Wait At Polyclinics

    Three years ago, Mdm Helen Chua, 69, would set aside half a day for her thrice-monthly thyroid check-up at Clementi Polyclinic. But for the past year, the full-time housewife only had to spend less than two hours for each visit, even though the procedure — blood test, then consultation with the doctor — remains the same.

    Mdm Chua’s experience is indicative of the results from the Customer Satisfaction Index of Singapore (CSISG) released for the fourth quarter of 2014 by the Institute of Service Excellence at the Singapore Management University (ISES).

    Within the healthcare sector, the polyclinics sub-sector made the most substantial leap with a 4.6-per-cent year-on-year improvement and scored 68.9 points out of 100.

    Specialised healthcare was another sub-sector that performed well. It demonstrated an improvement of 2.8 per cent from the year before with a score of 72.2 points.

    The restructured hospitals sub-sector had a less significant improvement of 0.5 per cent with a score of 69.3 points.

    On the whole, the healthcare sector scored 71 points, a 1.6-per-cent year-on-year increase. Together with the finance and insurance sector, the two sectors contributed to the overall national satisfaction index of 71.1 points, a rise of 0.6 per cent from 2013.

    This also marked the fourth consecutive year the national satisfaction index has risen.

    IMPROVEd WAITING TIME

    In the survey, the touchpoint that awarded the polyclinics sub-sector the most notable improvement was the waiting time. Scoring 6.4 out of 10 on the satisfaction scale, it did better than 2013’s score of 5.6.

    Other touchpoints that showed significant improvements include registration efficiency, seat availability and ease of moving around. Registration efficiency, for instance, was awarded 7.4, an improvement from 2013’s score of 6.8.

    The ease of moving around touchpoint received 7.4, a climb from the previous year’s 6.8.

    Ms Suzana Md Salleh can vouch for the improvement. “When I accompanied my mother to Jurong Polyclinic for her first high blood pressure check-up in 2012, it was chaotic. We didn’t know where to start. I remember waiting three to four hours before we saw the doctor,” said the receptionist in her late 30s. “Then, we waited more than 30 minutes to collect my mother’s medication and another half hour or so to pay.”

    Things were vastly different on her 62-year-old mother’s last visit at the same polyclinic in the middle of 2014. “I couldn’t go with her, so when she rang me, I thought she had lost her way. It turned out she had already finished her appointment, all within two hours,” said Ms Suzana.

    MOVING, RATHER THAN REMOVING, the BOTTLENECK

    A key point that the CSISG survey uncovered was that patients’ satisfaction with the medication collection and payment processes has declined.The satisfaction score for the waiting time for these two processes was 5.7 for medication collection and 5.9 for payment process.

    Assistant Professor of Marketing (Practice) and academic director of ISES Marcus Lee said that the phenomenon suggested “the bottleneck was moved, rather than removed”.

    Said Dr Lee: “In redesigning an optimal service experience, it is often useful to introduce improvements at the tail end of your customer’s journey, and then work towards the start.

    “Doing so would allow the later parts of your process flow to better handle any increases in throughput due to improvements in the earlier parts of the customer journey.”

    Mr James How Pow Aik, assistant director of clinic operations at SingHealth Polyclinics, attributed the bottleneck to the growing ageing population and an increase in chronic diseases.

    According to him, 30 per cent of the patients at SingHealth Polyclinics are 65 years old and above. With the “increase in the prevalence of chronic diseases, the medication dispensing volume has also increased”, he said.

    Initiatives such as the Pioneer Generation subsidies also contributed to the backlog. “The staff has to manage an increase in patient queries on the applicable subsidies and how they impact their bill size,” said Mr How.

    “While there are designated counters to assist patients with billing queries, our staff continues to attend to simple queries before processing payment.”

    To reduce the need to queue at the counters at SingHealth polyclinics, self-service kiosks are available for registering, and making payment and appointments, said Mr How.

    While waiting to consult the doctors, patients can also make use of the time to have their height, weight and blood pressure taken by trained staff at health monitoring stations.

    Over at the two SingHealth-managed hospitals, Singapore General Hospital (SGH) and KK Women’s and Children’s Hospital (KKH), the waiting time to collect medicine was less than 30 minutes in 2014, said Ms Isabel Yong, SingHealth’s director of group service quality.

    One of the main contributing factors to the waiting time is that the pharmacists need time to ensure the patients understand the medication and dosage, especially for the elderly and those on multiple medication, said Ms Yong.

    To address the waiting issue at the end of the customer journey, SGH and KKH have implemented several services, such as the Express Repeat Service. It issues a separate queue number for regular, repeat patients who don’t require the pharmacist’s counselling. “Patients are also given a phone number to call if they have any queries on their medication,” said Ms Yong.

    Another time-saving initiative from SingHealth is the delivery of regular, repeat medication to the patient’s home for a nominal fee. At SGH, eligible patients can also pay a small fee to have medication sent to their nearest Unity or Watsons outlet for a more convenient collection.

    To shorten the queue for making payment, the National Healthcare Group Polyclinics (NHGP), which runs nine polyclinics, has implemented self-payment kiosks that accept NETS, NETS Flashpay, NETS Cash Card and EZ-Link.

    “We plan to introduce more user-friendly interfaces that also allow payment via cash and credit cards,” said Mr Ang Chee Chiang, director of clinic operations at NHGP.

    “We also encourage both chronic and acute patients to make an appointment before they come to the clinic to minimise unnecessary waiting time.”

    SUSTAINING CUSTOMER SATISFACTION

    To achieve customer satisfaction in a sustainable manner, Dr Lee said that the key is to enable “customers to effectively make informed choices to self-select when, where, and how they choose to interact with companies”.

    According to Dr Lee, waiting time in itself is generally not the real issue. “The real issue is an unexpectedly long waiting time,” he said.

    For instance, if patients knew beforehand that a visit to the polyclinic or hospital would take two hours, they would only show up if they were able to spare the two hours.

    He said: “As long as the wait is not unpleasant, they would generally walk away happy that they were able to get whatever they needed done in the two hours they allocated for the task. Customers who aren’t able to spare the two hours would decide not to show up.”

    This report is a collaborative project between

    Today and the Institute of Service Excellence at Singapore Management University.

     

    Source: www.todayonline.com

  • Retirement Adequacy, Healthcare And Cost Of Living Are Top Concerns For Singaporeans

    Retirement Adequacy, Healthcare And Cost Of Living Are Top Concerns For Singaporeans

    Retirement adequacy, healthcare and cost of living are top concerns of Singaporeans, a pre-Budget 2015 feedback exercise by REACH showed. These topics accounted for about a third of feedback gathered the Government feedback portal said in a news release on Monday (Feb 16).

    The exercise, jointly organised by REACH and the Ministry of Finance, collected feedback from online platforms, email, booths known as Listening Points, and a pre-Budget dialogue between late November last year and end-January.

    RETIREMENT ADEQUACY

    The exercise showed that Singaporeans are concerned about having enough funds after retirement to cope with daily expenses and rising cost of living – particularly for those who have not fully paid up their housing loans.

    There was “anticipation” among some Singaporeans that the Silver Support Scheme would help them, REACH said. “Nevertheless, there were also views that individuals need to take responsibility by not overextending themselves when buying their homes, and preparing for their retirement,” REACH added.

    Notably, the feedback had been collected before the recommendations of a Central Provident Fund (CPF) Advisory Panel were announced earlier this month, and respondents in the feedback exercise had asked for greater withdrawal flexibility from their CPF accounts upon retirement, which the panel had recommended.

    Some were worried that the CPF Minimum Sum “might be increasingly be out of reach for lower-income and vulnerable Singaporeans”, REACH said.

    Regarding the CPF Minimum Sum Topping-Up Scheme, some contributors suggested the Government match top-ups dollar-for-dollar to encourage more to contribute to the retirement accounts of their family members. However, some said this might only benefit the well-to-do who are cash-rich.

    HEALTHCARE

    Several were concerned that medical and hospitalisation costs may become increasingly unmanageable “especially for patients with chronic and life-threatening conditions”, REACH found. This is despite the introduction of the MediShield Life scheme which will be implemented in end-2015.

    Many contributors said the Government should look into shortening waiting time for treatment at hospitals, increasing manpower and providing more hospital beds to meet rising healthcare demands.

    They also recommended providing healthcare workers with more training on customer relations, and having translators in hospitals to overcome language barriers.

    COST OF LIVING

    The exercise saw many Singaporeans calling for more financial assistance to subsidise “everyday goods and services”. Some felt the Government should distribute cash handouts, grocery vouchers, and regulate the prices of goods to keep them affordable.

    Many felt that their salaries had not kept pace with rising inflation, and there were comments that the Government should not just focus on helping the lower-income as the middle-income were also feeling the pinch, REACH said.

    “Singaporeans continue to worry about rising cost of living which the Government seeks to address through various measures,” said REACH chairman and Senior Minister of State for Health, Dr Amy Khor. “But a key way to help Singaporeans cope with the cost of living must be to enable and equip them with the relevant skills so that they can have better jobs and better pay.”

     

    Source: www.channelnewsasia.com