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Medishield headaches.

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Splatted
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Medishield headaches.

Postby Splatted » Fri, 27 Aug 2010 6:43 pm

A few years ago I briefly worked in Singapore for a few months, and money was placed in my CPF account.

What had not really occurred to me back then was that when I moved back to Australia, there was money periodically being deducted from my CPF for medishield.

I presume this is some form of health insurance ?

Anyway.. Long story short, they whittled away at all my CPF savings till nothing was left, and then cancelled my medishield policy.

Now, fast forward to 2010 and I am back in Singapore.

I am made aware there's no public healthcare in Singapore, and I apply for Medishield.

I now get a letter saying I have to go through a physical exam, at my expense. WTH?

Not only has hundreds of dollars been pilfered from me while I was overseas, I have to pay more money to get back on this??

While on this topic - can someone explain exactly is 'medishield'.

Are there alternatives to this that people opt for instead?

Why is money being set aside in my CPF, if I have no policy??

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sundaymorningstaple
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Re: Medishield headaches.

Postby sundaymorningstaple » Fri, 27 Aug 2010 11:22 pm

Splatted wrote:A few years ago I briefly worked in Singapore for a few months, and money was placed in my CPF account.

What had not really occurred to me back then was that when I moved back to Australia, there was money periodically being deducted from my CPF for medishield.

I presume this is some form of health insurance ?

Anyway.. Long story short, they whittled away at all my CPF savings till nothing was left, and then cancelled my medishield policy.

Now, fast forward to 2010 and I am back in Singapore.

I am made aware there's no public healthcare in Singapore, and I apply for Medishield.

I now get a letter saying I have to go through a physical exam, at my expense. WTH?

Not only has hundreds of dollars been pilfered from me while I was overseas, I have to pay more money to get back on this??

While on this topic - can someone explain exactly is 'medishield'.

Are there alternatives to this that people opt for instead?

Why is money being set aside in my CPF, if I have no policy??


http://ask-us.cpf.gov.sg/Home/Hybrid/th ... %20MSH.pdf

The following taken from the MediShield/MediShield Plus Handbook (my own hardcopy):
9. How is my MediShield/MediShield Plus cover renewed?

For your convenience, renewal is done automatically every policy year, unless any of the following events occur:
    ● You have reached 70 years of age
    ● You decided not to be insured
    ● You have reached the overall maximum claim
    ● You have insufficient savings in your Medisave Account to pay for the yearly premium.


And, like any medical policy, once lapsed, to reinstate would require a medical even though initially one was not required.


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