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Deductible for enhanced MediShield plans to be cut
Private patients can expect higher payouts, with raised premiums
By Salma Khalik, Health Correspondent
Changes to MediShield - expected in the second half of this year - will come with a cut in the initial amount those covered under enhanced MediShield plans for A-class wards need to pay.
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To make lower deductibles - and higher payouts - possible, premiums can be expected to go up.
The minimum deductible, which is charged on a yearly basis and not on each hospital visit, is set by the Ministry of Health (MOH) for insurance bought using Medisave money.
It varies with the ward classes the various MediShield schemes are pegged to. For example, patients under the basic MediShield schemes pegged to the highly-subsidised C-class ward pay $1,000 before insurance kicks in for the year.
An individual who is hospitalised three times in the same year, running up a $1,000 bill each time, will have insurance kick in by the second hospitalisation.
Deductibles are based on the amount run up in medical bills over each year a patient is under cover.
Insurers can impose higher deductibles, and some do so.
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