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Over an extended period of time, long-term care can become costly. Fortunately, there are subsidies available in Singapore that can help lighten the financial load of some medical costs.
Read on to find out about the following financial support options in Singapore:
The Ministry of Health (MOH) provides subsidies for patients who require intermediate and long-term care services. The eligibility criteria stipulates that patients have to:
MOH uses a household means test and where the patient is based to determine the type and level of subsidy given.
The following subsidies target:
Household Per Capita Monthly Income | Subsidy Rate | |
Singapore Citizens | Permanent Residents | |
$800 and below | 75% | 50% |
$801 to $1,200 | 60% | 40% |
$1,201 to $2,000 | 50% | 30% |
$2,001 to $2,800 | 45% | 25% |
$2,801 to $3,300 | 40% | 20% |
$3,301 and above | 20% | 10% |
This applies to patients in
Household Per Capita Monthly Income | Subsidy Rate | |
Singapore Citizens | Permanent Residents | |
$800 and below | 80% | 55% |
$801 to $1,200 | 75% | 50% |
$1,201 to $1,900 | 60% | 40% |
$1,901 to $2,000 | 50% | 30% |
$2,001 to $2,800 | 30% | 15% |
$2,801 and above | 0% | 0% |
This applies to patients in
Household Per Capita Monthly Income | Subsidy Rate | |
Singapore Citizens | Permanent Residents | |
$800 and below | 75% | 50% |
$801 to $1,200 | 60% | 40% |
$1,201 to $1,900 | 50% | 30% |
$1,901 to $2,000 | 40% | 20% |
$2,001 to $2,800 | 20% | 10% |
$2,801 and above | 0% | 0% |
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The Home Caregiving Grant (HCG) pays out $200 monthly to eligible care recipients for the purpose of supporting loved ones with at least permanent moderate disability (always requiring some assistance to perform three or more Activities of Daily Living).
This grant can be used to help with caregiving expenses like eldercare, caregiver support services in the community and/or hiring a domestic helper.
Find out if you are eligible for this grant here.
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CareShield Life and ElderShield offer payouts upon severe disability to support long-term care costs.
Severe disability is defined as needing assistance in at least three of these activities of daily living:
For those who are not eligible for CareShield Life and ElderShield, the Interim Disability Assistance Programme for the Elderly (IDAPE) is another scheme that can help.
To be eligible, seniors must be
Household Monthly Income per Person* | Monthly Cash Benefits |
$0 – $2,000 | $250 |
$2,001 – $2,800 | $150 |
*For households with no income, the annual value (AV) of property must be ≤ $13,000