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Friday, May 22, 2015

Pig prices in the world and markets!


The latest slaughter pig prices in the most important European, American and Asian pig markets. You can also check the evolution of the historical prices in charts, in several currencies and compare different markets.

Pig prices in the world and their evolution

In this section we offer the latest prices and the historical evolution of the most important swine markets. The prices can be seen in different units and currencies (the conversions are made according to the exchange rates of each date).
The values can be seen as numerical data or on a chart. The graph format allows for several years to be shown correlatively in order to see trends or to compare differences between years. The evolution of the average price per year is also shown.
It is also possible to show up to four markets on the same chart in order to compare trends, although the values are not directly comparable since each market uses a different base (live or carcass weight, lean percentage, etc.). When comparing 2 markets using different currencies the evolution of the exchange rate is also shown.The prices are shown, initially, with the currency and unit of each market. If you wish so you can see them with a same currency and unit so you can compare them.

Europe

FATTENING PIGS
Belgium - DanisLive14-May-20150.980 EUR/kg0.010
DenmarkCarcass 60%14-May-20159.600 DKK/kg
France - MPBCarcass 56 TMV21-May-20151.229 EUR/kg0.008
GermanyCarcass 56%20-May-20151.450 EUR/kg0.030
HungaryLive 55-56% LM 08-May-2015330.00 HUF/kg
Italy - CUN160/176 kg Live21-May-20151.255 EUR/kg-0.045
Netherlands - BeursprijsLive15-May-20151.050 EUR/kg0.020
PolandCarcass 57%14-May-20155.470 PLN/kg0.026
Portugal - MontijoCarcass E 57%21-May-2015-0.020
Spain - LleidaLive21-May-20151.185 EUR/kg0.011
United KingdomSPP Euro Spec16-May-2015131.44 GBX/kg0.040

America

FATTENING PIGS
Canada - OntarioCarcass15-May-2015174.72 CAD/100kg10.72
Canada - QuebecCarcass16-May-2015173.86 CAD/100kg14.19
ChileLive15-May-2015877.50 CLP/kg7.500
USA - Iowa/MinnesotaCarcass20-May-201579.52 USD/cwt-1.200

Asia

FATTENING PIGS
ChinaLive13-May-201513.82 CNY/kg0.240

Ref:https://www.pig333.com/markets_and_prices/

Do richer women have better sex?


A Spanish study suggests that richer women have better sex lives. What does that mean for Asian women who are wealthy? (Photo: Mochimag.com)
After prying into the sex lives of Spaniards, a team of researchers have concluded that richer people — particularly women — report higher rates of satisfaction in the bedroom.
Overall, it appears that Spaniards are happy with the quality and quantity of their time in the bedroom: a whopping 90 per cent of men and women said they were either quite or very satisfied with their sex lives in general.
But after digging through 9,850 interviews taken from the country's first national sex survey in 2009, researchers from the Barcelona Public Health Agency also found a correlation between socioeconomic status and sexual satisfaction, particularly notable among female respondents.
"People of a lower socioeconomic status claim to be less satisfied sexually, which especially applies to women, who seem to be more influenced by these factors," explained lead author Dolores Ruiz in a statement released Wednesday.
Conversely, the study, published in the Annals of Epidemiology, noted that those who were more well-off seemed to have a “better awareness of their own needs and a greater capacity for developing their sexuality in a way which is satisfying for them."
Researchers also found a link between those with a higher socioeconomic status and the use of contraception.
The World Health Organisation defines sexual health as a state of physical, emotional, mental and social well-being when it comes to sexuality — above and beyond the absence of disease and dysfunction.
Respondents likewise reported higher satisfaction when they had a stable partner (97 per cent of men, 96 per cent of women) versus a casual partner and a series of hook-ups (88 per cent men, 80 per cent women).
Meanwhile, another study published this spring out of the University of Colorado Boulder found that people reported higher levels of sexual satisfaction when they believed they were clocking in more nookie time than their peers.
Said lead author Tim Wadsworth: "Having more sex makes us happy, but thinking that we are having more sex than other people makes us even happier."

11 Silly, Ridiculous Signs That Might Mean You’re In Love

Underwear Tuesday
Caitlin Jill Anders
Have you ever been in love? A lot of us are terrified to be in love and will deny its truth, even if all the signs are there. Disney got it right with “I Won’t Say I’m In Love” from “Hercules.”
Even if you haven’t yet said the ever-dreaded L-word to your person, even if you’re not officially “together” and even if you have absolutely no intention to be in love, you very well might be.
Love can present itself in mysterious, ridiculous ways. There are things you might be doing or things that might be happening that make you think, “Hm, weird.” Guess what? These things could mean love:

1. He/she frustrates the living hell out of you, and yet you still tolerate him/her

This person may have not yet realized you’re always right (duh), and every time he or she does something stupid, you just want to shake his or her big, dumb head.
Half of the time, this person makes you want to scream, and you communicate this with passion in your voice. This person is a gigantic pain in your ass, but in the end, he or she is your pain in the ass.
No matter how frustrating this person gets, you never stop wanting to be with him or her. You’re beginning to realize the opposite of love isn’t hate, but rather, it’s indifference.
Hate and love are very similar. When you say, “Ugh, I hate you so much,” it’s not what you mean at all.

2. It doesn’t matter what you’re saying

You could be talking about absurd names for a dog, and you will still always remember that conversation because the two of you somehow made it riveting and worthwhile.
This person says a word that’s not even a real word, and suddenly, it’s your new favorite, simply because he or she said it. There’s no such thing as small talk with the two of you. Even talking about the weather means something.
There isn’t a thought in your head this person hasn’t already heard. What you’re actually saying doesn’t matter at all; you’re just saying words because you’re together, enjoying each other’s company.
If the two of you are talking, it’s always amazing, no matter what it’s about. Even if it’s a 3 am phone conversation and you’re both half-asleep, it’s still the best thing ever.

3. You’ll make your life harder for him/her

It’s not always easy to be with someone. Sometimes, there’s distance involved or you’re both too busy to breathe, or the entire universe seems to be conspiring to keep you apart.
Sometimes, it takes planning, scheduling, rescheduling and a whole lot of finagling to make seeing this person work; yet, you’re always willing to do it. Even if it means your life will be 10 times more difficult for that day, week or month, it’s worth it just to see him or her.
You’d call out of work, take a cab, get a hotel, hop a train, rendezvous in a Denny’s parking lot, go to the airport at 4 am just for an hour to see him or her off before a flight, or go to any other crazy length just to see each other.
It all seems insane, and yet, you’ve never questioned it. You would move hell and Earth to get to this person.

4. You’re willing to run errands with him/her

Most of the time, you don’t even want to run errands alone. The mundane parts of our lives, like grocery shopping, picking out new glasses and grabbing Advil from CVS, are things we groan and mutter about doing.
For some reason, though, when this person asks you to come along on an adventure to find quarters to do laundry or to pick out a new stick of deodorant, you don’t say no.
What’s more is that, sometimes, it’s even the best part of your day (okay, maybe on one of your less exciting days). No matter what, these stupid errands are always easier with this person.

5. You can talk about your bodily functions around him/her

Some of us might be super shy about mentioning poop or farts around people who aren’t directly related to us. Girls aren’t supposed to do those things, since we’re all roses and rainbows.
Around your person, though, all bets are off. You fart next to him or her just to provoke a hysterical reaction. He or she yells at you not to come into the bathroom until the smell has subsided, and you call him or her ridiculous.
You use the bathroom even while your person is in the shower. Bodily functions seem embarrassing everywhere else, but when you’re with this person, it’s a hysterical conversation piece. Basically, the two of you are weird as hell, and it’s perfect.

6. Even just two minutes is worth it

Your person calls you up one night and tells you he or she can’t talk but wanted to say hi. Those 30 seconds make you happier than anything else has all day.
For you guys, it’s not about the countless continuous hours spent together; every simple minute is worth everything.

7. He/She makes you want to yell a lot

For some reason, it’s hard to be quiet around this person. Even your laughs get louder when you two are together. When you two have a disagreement, you yell because it feels so important, and you need to get your point across.
Something about yelling always feels more intense, and it mirrors the feelings you have for the person. So, you yell a lot — sometimes out of anger, but more often out of joy.

8. The time you waste with him/her doesn’t feel wasted

There are days when the two of you don’t even get out of bed. You’ve had sex three times in one morning just because neither of you feels like doing anything else.
When people ask you what you did during the day you wasted with this person, you say “nothing,” but feel like it was the most productive day of your whole life. Now, that’s something.

9. You have a lot of questions for him/her

Well, you have a lot of questions in general: How do taxes work? How long would it take to drive across the United States? Where do I go to mail this letter? What inspires you? What should I eat for dinner? What does Nigerian food taste like?
Whenever you have a question or musing about life, you direct it to this person, who likely doesn’t know the answer. Still, you’d always rather ask this person than someone you know will know the answer.
It might frustrate him or her, but it also starts great conversations, and secretly, he or she doesn’t mind at all.

10. Everything makes you think of him/her

Everything that happens in your life somehow becomes about this person. A rainstorm will make you think, “Oh man, [insert name] needs to know about this,” even if you know he or she can see the same rain.
You feel the need to share every arbitrary experience with this person. Every song that plays is about him or her, and if it’s not, you think, “I’m so glad [insert name] is not like this song. S/he is so much better.”
The weird pimple on your pinky toe? The penne noodle that got into your spaghetti noodles at Olive Garden? Your entire life becomes one gigantic reminder that your person is alive.

11. He/She scares the sh*t out of you

Love is terrifying, and even if you pretend you don’t know yet that you love him or her, you can feel it’s where this is heading. Even if you’re just starting to get close to someone, we all know closeness can lead to getting hurt.
When you look at this person, you know he or she could hurt you more than anyone you’ve ever met before in your life. You have the urge to push him or her away because being with this person makes you feel vulnerable, and it’s terrifying.
You freak out when he or she gets emotional and displays feelings because, then, there’s no hiding it anymore. This person scares you, and it’s the most fun you’ve ever had being afraid.
If you think about it, if that fear suddenly went away, you’d miss it dearly.
This person’s love scares you, but deep inside, you know you want it.

http://elitedaily.com/dating/11-silly-ridiculous-signs-might-mean-youre-love/864846/

Tuesday, May 12, 2015

Do you know, What is MediShield Scheme?

MediShield is a low cost basic medical insurance scheme. Introduced in 1990, the government designed MediShield to help members meet large Class B2/C hospitalisation bills, which could not be sufficiently covered by their Medisave balances.


Welcome to the MediShield Life Household Information e-Service

MediShield Life is a national health insurance scheme for all Singapore Citizens and Permanent Residents, providing better protection than MediShield today. You and your household may be eligible to receive Premium Subsidies for lower- to middle-income households. To help us work out the correct amount of subsidies for you and your household, please confirm your household information. If you do not wish to allow access to your financial information, you may also inform us through this e-Service.
Before starting the confirmation process, please have the NRIC/Birth certificate numbers of all your household members ready.
This check is estimated to take 10 minutes to complete.
Note: This e-Service is open only to Singapore Citizens and Permanent Residents aged 16 years and above.
Please log in using your Reference Number in your MediShield Life letter or SingPass to check your household information.
Process Introduction

Medisave-approved Insurance  

Medisave-approved Integrated Insurance Plans
Apart from the MediShield scheme, which the Central Provident Fund Board runs, you can also choose from amongst other Medisave-approved Integrated Shield Plans offered by private insurers. 
Since 1 July 2005, each of these Medisave-approved plans have been integrated with basic MediShield to form a single integrated plan. These Integrated Shield Plans provide you with additional benefits and coverage when you opt for Class A and B1 wards in public hospitals, or private hospitalisation.
Policyholders on the Medisave-approved Integrated Shield plans retain the benefits and coverage of the basic MediShield tier, while enjoying enhanced coverage provided by their private insurers. Premiums are paid directly to the private insurers who will service all the policyholder’s needs. Similarly, private insurers will service all claims and sort out all back-end arrangements with CPF Board to include any payouts from MediShield.
Medisave can also be used to pay for premiums of these private Medisave-approved Integrated Shield plans. From 1 Nov 2013, the Medisave withdrawal limits for Integrated Shield plan are:
  • $800 per policy, per year, for those aged 65 and below next birthday;
  • $1,000 per policy, per year, for those aged 66 to 75 next birthday;
  • $1,200 per policy, per year, for those aged 76 to 80 next birthday; and
  • $1,400 per policy, per year, for those aged 81 and above next birthday.
Medisave-approved Integrated Shield Plans include:
Related Info:
If you had a Medisave-approved plan with a private insurer before 1 July 2005, you will be transited to the new Medisave-approved Integrated Shield plans over a 2 year period by your private insurer. After the 2-year transition period is over, Medisave cannot be used to pay for the premiums of the old plans as they are not integrated with MediShield.
Service Indicators
(I) Claims return rate

The following claims return rate table shows how long it takes each insurer to process claims with positive payouts.
The phrase, cumulative claims return rate, refers to the percentage of claims processed by the insurer within one week, two weeks and one month. Note that the fifth column shows the median number of days it takes each insurer to process claims.
Cumulative Claims Return RateMedian Claims Return Rate (days)
<= 1 week<= 2 weeks<= 4 weeks
AIA92%95%96%0 (Same Day)
AVIVA84%89%94%0 (Same Day)
Great Eastern93%95%97%0 (Same Day)
NTUC Income93%96%97%0 (Same Day)
Prudential94%96%98%0 (Same Day)
(1 Oct to 31 Dec 2014)
Note (1): The number of days insurers take to process claims includes the time it takes to obtain medical records from claimants or medical institutions.
(II) Letter of guarantee and medical records costs
When you are hospitalised, if your hospital can obtain a letter of guarantee from your insurer, you can reduce the amount of your upfront payment to the hospital. A letter of guarantee is an assurance of payment offered by insurers to hospitals, on behalf of a patient, for the portion of the hospital bill covered by insurance.
To process claims, insurers may require your medical records. Either you as a claimant, or your insurer, can request medical records from medical institutions. This request however, usually comes at a cost from $75 to $250. All insurers currently absorb the cost of obtaining medical records.
Provides Letter of Guarantee**Absorbs costs of obtaining medical records
AIAYesYes
AvivaYesYes
Great EasternYesYes
NTUC IncomeYesYes
PrudentialYesYes
**Provided to selected public hospitals and institutions - AH, CGH, NUH, SGH, TTSH and KTPH. Please check with the insurer for more information.
(As of July 2012)
Note (1): Insurers who absorb the cost of obtaining medical records, do so in more than 90% of cases. There might still exist situations where the claimant is requested to pay for medical records.



General Information On MediShield Scheme
MediShield is a basic medical insurance that helps Central Provident Fund (CPF) members and their dependants1 meet large hospitalisation bills. MediShield works most effectively for hospitalisation at Class B2/C level in restructured hospitals.
Additional insurance coverage, for treatment in Class A/B1 in restructured hospitals or treatment in private hospitals, can be obtained by purchasing a Medisave-approved Integrated Shield Plan (IP). An IP is made up of MediShield and a Medisave-approved enhancement plan offered by a private insurer. For more information on IPs and the participating insurers, please visit CPF website at www.cpf.gov.sg.
WAITING PERIOD
There is an estimated waiting period of up to 2 months from the approval to the commencement of MediShield cover. During the waiting period, no claims are payable, until cover commences.
Members are required to inform the Board of any changes in their health status during the waiting period. The Board will not consider any claims for pre-existing medical condition(s) diagnosed before the commencement of MediShield cover that have not been disclosed to the Board.
All Singaporeans born on or after 1 March 2013 will be extended a cover from birth following birth registration and will not be subject to the waiting period.
Health Declaration:

Except for newborns covered from their date of birth, members and/or their dependants are required to declare any pre-existing health conditions before their MediShield covers commence. The Board will not consider claims from members who have given false or misleading information, or who have withheld material information when declaring their health conditions. In such events, their MediShield covers may also be cancelled.
BENEFITS & CLAIM LIMITS
MediShield covers hospitalisation expenses and certain approved outpatient treatments, such as kidney dialysis, chemotherapy and radiotherapy for cancer. A MediShield claim is calculated based on the lower of the claim limits as stated in Table A or a percentage of the charges incurred, depending on the ward type, citizenship status and the subsidy received as shown in the section on Pro-ration. The claim is also subject to a Deductible and Co-insurance.
1 Dependants refers to members’ immediate family members (i.e. spouse, parents, children or grandparents). Members and their dependants are covered individually under the scheme.
Table A – Benefits & Claims Limits
BENEFITSCLAIM LIMITS
Inpatient/Day Surgery
Daily Ward and Treatment Charges1
- Normal ward
- ICU ward
- Community Hospital2
- Psychiatric3

$450 per day
$900 per day
$250 per day
$100 per day
Surgical procedures4
- Table 1 (less complex procedures)
- Table 2
- Table 3
- Table 4
- Table 5
- Table 6
- Table 7 (more complex procedures)

$150
$360
$720
$800
$840
$960
$1,100
Implants5$7,000 per treatment
Radiosurgery6$4,800 per procedure
Outpatient Treatments
Chemotherapy for Cancer
- Per 7-day treatment cycle
- Per 21- or 28-day treatment cycle

$270
$1,240
Stereotactic Radiotherapy for Cancer$1,800 per treatment
Radiotherapy for Cancer
- External or Superficial
- Brachytherapy with or without external

$80 per treatment day
$160 per treatment day
Kidney Dialysis$1,000 per month
Immunosuppressants for Organ Transplant$200 per month
Erythropoietin for Chronic Kidney Failure$200 per month
Maximum Claim Limits
Per policy year$70,000
Lifetime$300,000
Maximum Coverage Age792 (age next birthday)
Includes meal charges, prescriptions, professional charges, investigations and other miscellaneous charges.
Claimable only upon referral from an acute hospital for further medical treatment after an inpatient admission.
Claimable up to 35 days per policy year.
Classified according to their level of complexity, which increases from Table 1
to Table 7.
Includes:
- Intravascular electrodes used for electrophysiological procedures
- Percutaneous Transluminal Coronary Angioplasty (PTCA) Balloons
- Intra-aortic balloons (or Balloon Catheters).
Includes Novalis radiosurgery and Gamma Knife treatments.
With effect from 1 March 2014
DEDUCTIBLE AND CO-INSURANCE
MediShield has Deductible and Co-insurance features. Deductible is the initial amount an insured member needs to pay for claim(s) made in a policy year before any payout from MediShield. Co-insurance is the percentage of the claim that an insured member needs to pay, on the portion of the claim above the Deductible. The member's share of Co-insurance ranges from 10 to 20% of the claimable amount, depending on the size of the hospital bill. Details on Deductible and Co-insurance are shown in the table below.
Table B – Deductible & Co-insurance
Deductible1
For ages 80 and below, as of age
next birthday

   - Class B2 and above
   - Class C
   - Day Surgery


$2,000
$1,500
$1,500
For ages 81 to 92, as of age
next birthday

   - Class B2 and above
   - Class C
   - Day Surgery


$3,000
$2,000
$3,000
Co-insurance2
All Ward Classes & Day Surgery
   Claimable Amount3
   $0 - $3,000

   $3,001 - $5,000
   Above $5,000


20% of claimable amount above
Deductible (if applicable)
15%
10%
Outpatient Treatments20%
Deductible is waived for outpatient treatments.
Co-insurance for outpatient treatments is 20% of a percentage of the charges incurred.
Claimable amount is the lower of the claim limit in Table A or a percentage of the charges incurred.
ILLUSTRATION ON HOW DEDUCTIBLE WORKS
A 50 year-old insured member’s current policy year starts on 1 March 2013 and ends on 28 February 2014. Upon renewal, his next policy year starts on 1 March 2014 and ends on 28 February 2015. He is hospitalised twice and warded in a Class B2 ward on both occasions.
Scenario One: Both hospitalisation stays are within the current policy year, one in August 2013 and the other in October 2013.
(a)If the claimable amount for the 1st hospitalisation is $2,000 and the 2ndhospitalisation is $2,500, the Deductible payable by the insured member for the two claims would be:
1st hospitalisation
(August 2013)
2nd hospitalisation
(October 2013)
Deductible$2,000$0*
* The insured member has paid the full Deductible of $2,000 for the policy year. Hence, there is no Deductible payable for the second claim which is in the same policy year.
(b)If the claimable amount for the 1st hospitalisation is $1,500 and the 2ndhospitalisation is $2,000, the Deductible payable by the insured member for the two claims would be:
1st hospitalisation
(August 2013)
2nd hospitalisation
(October 2013)
Deductible$1,500$500*
* The insured member has paid only part of the Deductible of $1,500 for his first claim. Hence, he has to pay the balance of $500 for his second claim which is in the same policy year.
Scenario Two: The 1st hospitalisation is in August 2013 and the 2nd hospitalisation is in August 2014 (the next policy year). In this case, the Deductible payable for the two claims would be:
1st hospitalisation
(August 2013)
2nd hospitalisation
(August 2014)
Deductible$2,000$2,000*
* The insured member needs to pay the Deductible of $2,000 for the second hospitalisation as it occurs in a different policy year.
ILLUSTRATION ON HOW CO-INSURANCE WORKS
A 50 year-old insured member is warded in Class C. His claimable amount1 works out to be $8,000. He pays the Deductible of $1,500 and his Co-insurance is then computed as follows: 20% of the claimable amount from $1,501 to $3,000 (i.e. 20% of $1,500 = $300); 15% of the claimable amount from $3,001 to $5,000 (i.e. 15% of $2,000 = $300), and 10% of the claimable amount above $5,000 (i.e. 10% of $3,000 = $300). His Co-insurance payment is therefore $900. He has to pay $2,400 ($1,500 Deductible plus $900 Co-insurance) out of the total claimable amount of $8,000. MediShield pays the balance of $5,600. This is illustrated in the following diagram:
Illustration how Co-Insurance works
1 Claimable amount is the lower of the claim limit in Table A or a percentage of the charges incurred.
COVER PERIOD AND RENEWAL
A MediShield policy year refers to the 12-month period from the date the cover begins. For example, for a cover that starts on 1 March 2013, the policy year of the cover is from 1 March 2013 to 28 February 2014.
For newborns covered from their date of birth, the 1st policy year will commence on their date of birth to the day before their birth month in the following year. Subsequent policy year will follow the 12-month period. For example a newborn born on 14 March 2013 will be covered from 14 March 2013 to 28 February 2014. The subsequent policy year will commence on 1 March 2014.
The Board will automatically renew MediShield coverage for an insured member at the end of each policy year after premium payment from his or his payer’s Medisave Account. However, the cover will not be renewed if any of the following events occurs:










  • The premiums are not paid within the grace period of 2 months.










  • The insured member has reached 92 years of age.










  • The insured member has informed the Board to terminate his MediShield cover.










  • The insured member’s total claim has reached the lifetime claim limit.
    PREMIUM PAYMENT
    MediShield premiums increase with age. The premiums payable when a cover is issued or renewed is based on the insured member’s age on his next birthday. Premiums for the different age groups effective from 1 March 2014 are as follows:
    Age Next BirthdayYearly Premium
    (Inclusive of 7% GST)
    Age Next BirthdayYearly Premium
    (Inclusive of 7% GST)
    1 - 20$5071 - 73 $560
    21 - 30$6674 - 75 $646
    31 - 40 $10576 - 78 $775
    41 - 50 $22079 - 80 $865
    51 - 60 $34581 - 83 $1,123
    61 - 65 $45584 - 85 $1,150
    66 - 70 $54086 - 92 $1,190
    Premiums are deducted yearly from the insured members’ or their payers’ Medisave Accounts to renew their covers. If an insured member (or his payer) has insufficient savings in his Medisave, he will be notified in writing to top up the shortfall to his Medisave. If the payer does not top up the shortfall, the insured member will take over as the payer for his premiums should he have sufficient balance in his own Medisave Account. For members who have difficulties paying their own premiums, their immediate family members (i.e. spouse, parents, children or grandchildren) may help by taking over the premium payment using their Medisave savings. They can do so by submitting a change of payer request using his/her SingPass through our website via "my cpf Online Services". An insured member’s policy will lapse if the premium is not paid within the grace period of 2 months. He will then have to re-apply to join the scheme. The application will be subject to applicant's good health and approval will depend on the applicant's health condition then.
    Please note that the premiums may be amended or varied from time to time.
    Members will be informed by the Board of any changes in the premium rates.
    PREMIUM DISCOUNT
    To make premiums more affordable for older insured members, those who join the scheme before age 60 (as of next birthday) will enjoy a premium discount from ages 71 to 90 years (as of next birthday). Members who join Medishield early and stay continuously insured will receive higher premium discount in future when they are older. The premium discounts effective from 1 March 2013 are as follows:
    Age (as of next birthday)
    when joining MediShield
    Premium discount amount for age band ($)
    71 - 7374 - 7576 - 7879 - 8081 - 8384 - 90
    30 and Below156184209246434449
    31 - 40117138157184326336
    41 - 507892104123217224
    51 - 6039465261108112
    PRO-RATION OF MEDISHIELD CLAIMS
    MediShield premiums are the same for all insured members in the same age group. MediShield payouts are therefore similar for all insured members regardless of their subsidy status.
    To ensure a similar payout across all MediShield insured members for the same treatment received, all bills will be pro-rated to their equivalent full-subsidy Class B2/C bill size, before the MediShield payout is calculated:










    • Pro-ration of Class A/B1 and Private Hospital Bills
      Bills for higher class wards (e.g. Class A, Class B1 and private hospitals) are pro-rated to their equivalent Class B2 bill size based on the pro-ration factors in Table C.










    • Pro-ration of Class B2/C Bills for Singaporeans
      As subsidies in Class B2/C wards in restructured hospitals will be means-tested to better focus subsidies on needy Singaporeans, all patients will continue to be subsidised in Class B2/C wards but to different degrees. Class B2/C bills for Singaporeans receiving adjusted subsidies due to means-testing will be pro-rated based on the adjustment in subsidy. For more information on means-testing, please visit the Ministry of Health website at www.moh.gov.sg.










    • Pro-ration of Bills for Singapore Permanent Residents
      Singapore Permanent Residents (SPRs) currently receive less subsidies than Singapore citizens. With means-testing, SPRs utilising Class B2/C wards will receive less subsidies than Singapore citizens of an equivalent income level. Class B2/C bills for SPRs receiving adjusted subsidies due to means-testing will first be pro-rated based on the adjustment in subsidy. The pro-ration factor due to citizenship status will then be applied before the payout is calculated (Table C).
      You may refer to the illustrations under MediShield Claim Computation.
      Table C – Percentage of Charges Incurred
      Ward Class
      Percentage of charges incurred used to calculate MediShield Claim1
      Singaporeans
      (full subsidy)
      SPRsForeigners2
      C100%44%20%
      B2100%58%35%
      B2+70%47%35%
      B143%38%35%
      A / Private Hospital 35%35%35%
      Subsidised Short
      Stay Ward 
      100%58%35%
      Private Short
      Stay Ward 
      35%35%35%
      Subsidised Day Surgery100%58%Not Applicable3
      Private Day Surgery35%35%35%
      Subsidised
      Outpatient
      100%67%Not Applicable3
      Unsubsidised
      Outpatient
      100%100%100%
      1The applicable percentages may change if there are further changes to hospital subsidies for non-citizens. The up-to-date percentages are published on CPF website at www.cpf.gov.sg.
      2This is applicable to insured members who have renounced their Singapore Citizenship/Permanent Residency but choose to remain covered under MediShield.
      3Foreigners are not eligible for subsidised day surgery and subsidised outpatient treatment.
      If you wish to have higher coverage than what MediShield provides, you may apply to any of the participating insurers for a Medisave-approved Integrated Shield Plan.
      EXCLUSIONS UNDER THE MEDISHIELD SCHEME
      The following treatment items, procedures, conditions, activities and their related complications are not covered by MediShield and cannot be claimed:










    • Expenses incurred before the commencement of the insured member's MediShield cover










    • Expenses incurred for the entire period of stay in hospital if the insured member is admitted to the hospital before the commencement of his MediShield cover










    • Any pre-existing illnesses, diseases or impairments from which the insured member was suffering from prior to the commencement of his MediShield cover except where such pre-existing illnesses, diseases or impairments have been accepted by the Board in writing










    • Ambulance fee










    • Cosmetic surgery










    • Maternity charges (including Caesarean operations) or abortions










    • Dental work (except due to accidental injuries)










    • Infertility, sub-fertility, assisted conception or any contraceptive operation










    • Sex change operations










    • Optional items which are outside the scope of treatment










    • Overseas medical treatment










    • Private nursing charges










    • Purchase of kidney dialysis machines, iron-lung and other special appliances










    • Treatment which has received full reimbursement from Workmen’s Compensation and other forms of insurance coverage










    • Treatment of any illness, disability, injury or any condition arising from or due to the Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS)










    • Treatment for drug addiction or alcoholism










    • Treatment of injuries arising directly or indirectly from nuclear fallout, war and related risk










    • Treatment of injuries arising from direct participation in civil commotion, riot or strike










    • Treatment of self-inflicted injuries or injuries resulting from attempted suicide










    • Vaccination










    • Congenital anomalies, hereditary conditions and disorders (e.g. hole-in-heart, hare lip) that were diagnosed before 1 March 2013 or the commencement of the insured's MediShield cover, whichever is later1










    • Mental illness and personality disorders that were diagnosed before 1 March 2013 or the commencement of the insured's MediShield cover, whichever is later1
      1Any condition(s) accepted by the Board in writing will continue to be covered. MediShield will exclude any surgical interventions for the following rare congenital conditions which are severe and fatal by nature: Trisomy 13, Trisomy 18, Bilateral Renal Agenesis, Bart's Hydrops, Alobar Holoprosencephaly, Anecephaly.
      EXAMPLES OF MEDISHIELD CLAIM COMPUTATION
      Example 1: Claim Computation for Singaporean in a Class C Ward
      Ward Class: C
      Length of stay: 10 Days (including 8 days in ICU)
      Procedure Performed: Stomach Operation
      Hospital Bill1MediShield Claim Computation
      Daily Ward & Treatment Charges (for 2 days + 8 days ICU) $5,300$5,3002
      Surgical Procedure (Table 6)$550$5503
      Total $5,850$5,850
      Less Deductible4-($1,500)
      Claimable Amount (less Deductible)-$4,350
      Less Co-insurance-($685)5
      MediShield pays-$3,665
      Medisave and/or Cash -$2,185
      1As the insured member is a Singaporean who stayed in Class C ward, the MediShield claim is computed based on 100% of the bill.
      2Lower of the claim limit for Daily Ward & Treatment Charges, [($450 x 2 days) + ($900 x 8 days)] = $8,100, or 100% of charges incurred of $5,300. Therefore, the claimable amount is $5,300.
      3Lower of the claim limit in Table A for surgical procedure, $960 (Table 6), or 100% of charges incurred of $550. Therefore, the claimable amount is $550.
      4The insured member is below age 80, subject to Deductible of $1,500 for Class C Ward.
      5Co-insurance = ($1,500 x 20%) + ($2,000 x 15%) + ($850 x 10%) = $685.
      Example 2: Claim Computation for Singaporean in a Class A Ward
      Ward Class: A
      Length of stay: 18 Days
      Procedure Performed: Hip Replacement
      Pro-ration Factor based on Ward Class: 35%
      Hospital Bill35% of hospital bill1
      (refer to Table C)
      MediShield Claim Computation
      Daily Ward & Treatment Charges (for 18 days)$7,500$2,625
      ($7,500x35%)
      $2,6252
      Surgical Procedure (Table 5)$5,000$1,750
      ($5,000x35%)
      $8403
      Implant$4,000$1,400
      ($4,000x35%)
      $1,4004
      Total $16,500$5,775$4,865
      Less Deductible5--($2,000)
      Claimable Amount (less Deductible)--$2,865
      Less Co-insurance--($479.75)6
      MediShield pays--$2,385.25
      Medisave and/or Cash --$14,114.75
      1As the insured member is a Singaporean who stayed in Class A ward, the MediShield claim is computed based on 35% of the bill.
      2Lower of the claim limit in Table A for Daily Ward & Treatment Charges, ($450 x 18 days) = $8,100, or 35% of charges incurred of $7,500 = $2,625. Therefore, the claimable amount is $2,625.
      3Lower of the claim limit in Table A for surgical procedure, $840 (Table 5), or 35% of charges incurred of $5,000 = $1,750. Therefore, the claimable amount is $840.
      4Lower of the claim limit in Table A for implant, $7,000, or 35% of charges incurred of $4,000 = $1,400. Therefore, the claimable amount is $1,400.
      5The insured member is below age 80, subject to Deductible of $2,000 for Class A Ward.
      6Co-insurance = ($1,000 x 20%) + ($1,865 x 15%) = $479.75.
      Example 3: Claim Computation for Permanent Resident in a Class B2 Ward
      Ward Class: B2
      Length of stay: 54 Days (including 2 days in ICU)
      Procedure Performed: Pancreas & Gall Bladder Operation
      Pro-ration Factor based on Citizenship Status: 58%
      Hospital Bill58% of hospital bill1
      (refer to Table C)
      MediShield Claim Computation
      Daily Ward & Treatment Charges
      (for 52 days + 2 days ICU) 
      $16,157$9,371.06
      ($16,157x58%)
      $9,371.062
      Surgical Procedure
      (Table 6)
      $823$477.34
      ($823x58%)
      $477.343
      Total$16,980$9,848.40$9,848.40
      Less Deductible4--($2,000)
      Claimable Amount (less Deductible)--$7,848.40
      Less Co-insurance--($984.84)5
      MediShield pays--$6,863.56
      Medisave and/or Cash--$10,116.44
      1As the insured member is a Permanent Resident who stayed in Class B2 ward, the MediShield claim is computed based on 58% of the bill.
      2Lower of the claim limit in Table A for Daily Ward & Treatment Charges [(52 x $450) + (2 x $900)] = $25,200 or 58% of charges incurred of $16,157 = $9,371.06. Therefore, the claimable amount is $9,371.06.
      3Lower of the claim limit in Table A for surgical procedure, $960 (Table 6), or 58% of charges incurred of $823 = $477.34. Therefore, the claimable amount is $477.34.
      4The insured member is below age 80, subject to Deductible of $2,000 for Class B2 Ward.
      5Co-insurance = ($1,000 x 20%) + ($2,000 x 15%) + ($4,848.40 x 10%) = $984.84.
      Example 4: Claim Computation for Singaporean in a Class B2 Ward with subsidies adjusted due to means-testing
      Ward Class: B2
      Length of stay: 5 Days
      Procedure Performed: Unilateral Knee Replacement Operation
      Pro-ration Factor based on Actual Adjustment of Subsidy: 87.5%
      Hospital Bill187.5% of hospital bill2
      (based on actual
      adjustment of subsidy)
      MediShield Claim Computation
      Daily Ward &
      Treatment Charges (for 5 days) 
      $1,600$1,400
      ($1,600x87.5%)
      $1,4003
      Surgical Procedure (Table 6)$784$686
      ($784x87.5%)
      $6864
      Implant$3,000$3,0005$3,0006
      Total $5,384$5,086$5,086
      Less Deductible7--($2,000)
      Claimable Amount (less Deductible)--$3,086
      Less Co-insurance--($508.60)8
      MediShield pays--$2,577.40
      Medisave and/or Cash --$2,806.60
      1The insured member is a Singaporean who enjoys 60% subsidy for his Class B2 hospital bill after means-testing.
      2The insured member’s hospital bill is pro-rated to the equivalent full-subsidy Class B2 bill size.
      3Lower of the claim limit for Daily Ward & Treatment Charges, ($450 x 5 days) = $2,250, or 87.5% of charges incurred of $1,600 = $1,400. Therefore, the claimable amount is $1,400.
      4Lower of the claim limit in Table A for surgical procedure, $960 (Table 6), or 87.5% of charges incurred of $784 = $686. Therefore, the claimable amount is $686.
      5Implant used in Class B2/C by Singaporeans and Permanent Residents are exempted from MediShield pro-ration.
      6Lower of the claim limit in Table A for implant, $7,000, or 100% of charges incurred of $3,000. Therefore, the claimable amount is $3,000.
      7The insured member is below age 80, subject to Deductible of $2,000 for Class B2 Ward.
      8Co-insurance = ($1,000 x 20%) + ($2,000 x 15%) + ($86 x 10%) = $508.60.
      The MediShield Scheme is administered by the CPF Board under the provisions of the Central Provident Fund Act (Cap 36) and the Central Provident Fund (MediShield Scheme) Regulations, as amended from time to time, and is subject to terms and conditions imposed by the Board.

      The information reflected is correct as at the time of publication in March 2014. For more information, and any changes thereafter please refer to CPF website at www.cpf.gov.sg. Please approach CPF Board if you have specific queries or clarifications about benefits for your health conditions. For enquiries, please call 1800–227 1188 or email member@cpf.gov.sg


      http://mycpf.cpf.gov.sg/CPF/my-cpf/Healthcare/General_Info_MSH-Scheme.htm#Exclusions

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