About CHAS

CHAS FAQs

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  1. About CHAS
  1. What is the Community Health Assist Scheme (CHAS)?
CHAS is a scheme that enables Singapore Citizens from lower- and middle-income households to receive subsidies for medical and dental care at participating General Practitioners (GPs) and dental clinics near their homes. Singapore Citizens who qualify for CHAS will receive either an individual blue or orange Health Assist card.
  2. Who is eligible for CHAS?

Singapore Citizens of all ages are eligible for CHAS if they meet the following criteria:

  • Household monthly income per person of $1,800 and below; OR
  • Annual Value (AV) of residence as reflected on the NRIC of $21,000 and below for households with no income.


Family members (related by blood, marriage and/or legal adoption) living at the same address, as reflected on the NRICs, will need to apply together on one application form. All the family members’ income will contribute towards the household monthly income per person.


Members of the public who are on the Public Assistance (PA) scheme do not need to apply as they are already eligible for CHAS.

  3. What does CHAS cover?

CHAS covers the following:


• Common illnesses e.g. cold/cough/fever
• 15 chronic conditions under the Chronic Disease Management Programme (CDMP):


1. Diabetes
2. Hypertension (High blood pressure)
3. Lipid Disorders (e.g. High cholesterol)
4. Stroke
5. Asthma
6. Chronic Obstructive Pulmonary Disease
7. Major Depression
8. Schizophrenia
9. Dementia
10. Bipolar Disorder
11. Osteoarthritis
12. Benign Prostatic Hyperplasia
13. Anxiety
14. Parkinson’s Disease
15. Nephritis/Nephrosis

 

• Selected dental services e.g. dentures, root canal treatments and crowning
• Recommended health screening under the Health Promotion Board’s (HPB) Integrated Screening Programme (ISP)

  4. How much subsidies can I receive under CHAS?

There are two tiers of subsidy under CHAS, depending on the cardholder's household monthly income per person.

CHAS Subsidy Tiers Subsidies Received  
Common
Illnesses
Chronic conditions
under CDMP
Dental
Services 
Health Screening
under HPB's ISP#

Blue Tier

For those with household monthly
income per person of $1,100 and below; 


OR

Annual Value (AV)* of residence of $13,000 and
below for households with no income


Up to
$18.50 per visit





Simple Chronic (Tier 1)^
Up to $80 per visit, subject to annual subsidy cap
of up to $320 per calendar year

Complex Chronic (Tier 2)^
Up to $120 per visit, subject to annual subsidy cap
of up to $480 per calendar year


Up to $256.50
per procedure


Recommended screening
tests under HPB's ISP 

Fully subsidied

 

 

Doctor's Consultation
for ISP screening

Up to $18.50 per visit,
up to two times per
calendar at CHAS GP 

Orange Tier

For those with household monthly
income per person of between $1,100 and $1,800;


OR


Annual Value (AV)* of residence of between $13,000
and $21,000 for households with no income

Not Applicable


Simple Chronic (Tier 1)^
Up to $50 per visit, subject to annual subsidy cap
of up to $200 per calendar year

Complex Chronic (Tier 2)^
Up to $75 per visit, subject to annual subsidy cap
of up to $300 per calendar year


Up to $170.50
per procedure
for selected
dental procedures
(dentures, crowns,
root canal
treatment only) 

Explanatory Notes:
# Cardholders will receive HPB’s invitation, subject to HPB’s ISP screening eligibility criteria, when it is time for them to go for screening.
* AV is the estimated annual rent of your residence if it is rented out. An AV of up to $21,000 will cover all HDB flats and some lower-value private properties.
^ Subsidy limits are dependent on the severity of patient’s chronic condition. Tier 1 patients have one condition, while Tier 2 patients have one chronic condition with complication (s) or more than one chronic condition.

  5. Why is there a need for two subsidy tiers?
The subsidy tiers are in place to ensure that higher healthcare subsidies are targeted at the lower income Singapore Citizens who need more assistance with their medical and dental expenses.
  6. Why is the household monthly income per person cut-off set at $1,800 per household? How did MOH derive the income criterion of $1,800?
The income cut-off is to allow us to better target healthcare subsidies at Singapore Citizens from lower- and middle-income households. MOH will regularly review the income criterion based on updated income data.
  7. How can I apply for the scheme?

Application forms are available at any Public Hospitals, Polyclinics, Community Centres and Clubs (CCs) or Community Development Councils (CDC)s. Alternatively, the forms can also be downloaded from here

Family members (living in the same address) only need to submit one application form with clear copies of the foreign identification documents for family members who are foreigners.


Submission of NRIC and birth certificate photocopies for Singapore Citizens and Permanent Residents are no longer required. If you have any family members who are foreigners, we would still require photocopies of their visit pass or passport for verification purpose. You can continue to use the existing form for your application. The new application forms reflecting this change in requirement will be distributed at a later date.


If you have family members who are earning above $5,000 per month or are foreigners, they will have to declare their income on the CHAS application form. In the event that consent has been provided on behalf of any family member(s), additional supporting documents may be required (please refer to Question 15 in the FAQs for more information).


You may use the pre-paid business reply envelopes to send in your completed application form and the supporting documents to P.O. Box 680, Bukit Merah Central Post Office, Singapore 911536.

  8. What is household monthly income per person and how is it calculated?

Household monthly income per person is the average total gross household monthly income per family member (living at the same address). For instance a family of four living at the same address with a total gross household monthly income of $7,200, their household monthly income per person is $1,800 ($7,200 ÷ 4 family members = $1,800).

Click here to use our Household Monthly Income Per Person Calculator.

 

Only family members (related by blood, marriage and/or legal adoption) living at the same address, as reflected on the NRIC, are included in the calculation of the household monthly income per person.

  9. What will be considered for our total gross household monthly income?

For family members who are salaried employees, their income will be based on the average monthly income received over the last available 12-month period, including bonuses.


For family members who are self-employed, their income will be based on either:

 

a) the monthly income derived from the last available net trade income assessed by the Inland Revenue Authority of Singapore (IRAS) within the last 2 assessment years; or
b) the income declared to the Central Provident Fund (CPF) Board or the income assumed under CPF laws within the last 2 years.


Should there be a change in income status, you may be required to submit supporting documents to reflect this change at the later date.

  10. Why do family members who are foreigners need to declare their income?
As foreigners do not need to make CPF contributions, their income information cannot be retrieved from CPF Board. Hence, they would need to declare their income, if any.
  11. Who will be considered as part of the household?
All family members (related by blood, marriage and/or legal adoption) living at the same address, as reflected on the NRICs, will be considered as part of the household.
  12. Why does everyone need to give consent for their income to be retrieved from CPF Board and IRAS?
Consent is needed from each family member to retrieve their individual income data from CPF Board and IRAS, in order to calculate the household monthly income per person.
  13. Does the giving of consent to retrieve income information from CPF Board and IRAS imply that the income of all my family members and myself will be disclosed?

We will not disclose any income information to any of the family members. The consent is to enable MOH to retrieve the income data and assess if the household meets the income criteria for CHAS or other subsidy and assistance schemes. Only the eventual result i.e. whether the family qualifies for CHAS, and the eligible subsidy tier, will be communicated to the family members.

  14. What happens if I cannot get all my family members to provide consent?
If any of your family members are not able to provide their consent for any other reason other than the stated, please indicate in the application form the name and NRIC number of the family member and why he/she is unable to give consent. We will assess and liaise with you if further information is required.
  15. How will I know that my application is successful?

Successful applicants will receive a welcome pack which will include either a blue or an orange Health Assist card, depending on the subsidy tier the applicant is eligible for. Information on the use of the card and the list of participating CHAS (GP and dental) clinics will also be included.

 

 

Health Assist cards

Blue card

Orange card

Blue_HA_Card_2014_NoName Orange_HA_Card_2014_NoName

 

 

  16. What is the approximate processing time for the application?

Your application will be processed within 15 working days from the date of receipt of the completed application form with all supporting documents. In the event that you do not receive your card after the estimated processing time, you can call the CHAS hotline to enquire on your application status.


Unsuccessful applicants will receive a letter informing them of the reason(s) for the rejection of their application.

  17. How do I use my Health Assist card?
To enjoy subsidies at CHAS clinics, please produce your Health Assist card with your NRIC upon registration at every visit. For cardholders below 15 years old, please present your Health Assist card with student ID or birth certificate. For cardholders below 21 years old, you will need to be accompanied by your parent or legal guardian on your first visit to any CHAS clinic.
  18. Can my Health Assist card be shared?
The Health Assist card is non-transferable and cannot be shared.
  19. Does the Health Assist card have a validity period? What happens when the card expires?
The card is valid for two years. To renew your card, you will need to submit a new application form with necessary supporting documents.
  20. What should I do if I lose my card? How can I get a replacement card if I have lost my card?
You should call the CHAS hotline at 1800-275-2427 immediately for a replacement card. The CHAS hotline operates from Mondays to Fridays, 8.30am to 6.00pm (excluding Public Holidays).
  21. If my household income level changes within the two year validity period, will I be moved from one subsidy tier to the next?
Changes in income within the two year validity period will not change the subsidy tier that you are eligible for.
  22. Can I use the Health Assist card at any private GP and dental clinic? How do I know whether a clinic is participating in CHAS?

Not all GPs and/or dental clinics are participating in the scheme. CHAS clinics can be easily identified by the CHAS sticker displayed.
    

logo_CHASor     CHAS_decal
  23. Where can I find the list of participating CHAS clinics?

You will be given a list of participating GP and dental clinics when you receive your Health Assist card. The updated list of participating clinics can also be found at the following websites:


• www.chas.sg
• www.moh.gov.sg (Under Healthcare Financing > Community Health Assist Scheme).

  24. What are the likely fees that I have to pay at the participating clinic using my Health Assist card?

Patients are expected to co-pay for their treatment under CHAS. Participating private GPs and dentists are expected to charge CHAS patients reasonable fees for the medical treatments and selected dental services covered under the scheme.


Patients are encouraged to check with their doctor or dentist on the likely fees that they will be charged prior to consultation as the treatment required might vary according to each patient's condition.


A typical bill would include components such as consultation, medical/drugs and investigation/tests. The GP would subtract the amount of CHAS subsidy applicable for the visit, and charge the remaining amount to the patient.

 

Example on chronic visit for an orange Health Assist cardholder:

 

Consultation $25.00 List price of components that make up the total bill
Medication $50.00
Lab Test $30.00
Total Bill $105.00  
CHAS Subsidies -$75.00 This is the amount of CHAS subsidies you are claiming for this visit
Patient Payable $30.00 This is how much you will have to pay


To get more information on the charges, please contact the respective clinic which you have visited for the details. Please take note that clinics have been advised to charge their list prices and deduct the subsidies accordingly from the total charges.

  25. Can I also use Medisave to help pay for my bill after deducting the CHAS subsidies?

Medisave can be used to co-pay the cost of treatment after deducting the CHAS subsidies for chronic conditions. The prevailing Medisave rules and withdrawal limits would apply.


Medisave can only be used to co-pay the remaining bill after deducting the CHAS subsidies. After deducting the CHAS subsidies, a co-payment of 15% of the remaining bill will need to be paid in cash while the rest can be claimed from Medisave. Patients can use their own or their immediate family members’ Medisave accounts, up to the withdrawal limit of $400 per account per year for outpatient treatment of chronic conditions. 


However, some clinics may prefer to use only one mode of payment during one visit. You may wish to check with your preferred CHAS GP clinic before heading down for a consultation. This will help to better manage your out-of-pocket cash payment.


Example of a chronic visit for a blue Health Assist cardholder with the usage of Medisave:

 

 

Consultation

$

40.00

List price of components that make up the total bill

Medication

$

120.00

Lab Test

$

40.00

Total Bill

$

200.00

 

CHAS subsidy

$

- 120.00

This is the amount of CHAS subsidies you are claiming for this visit

Patient Payable

$

80.00

Amount due after deduction of CHAS subsidies

Cash Co-payment (15% of Remainder)

$

12.00

This is the part of remainder which you will need to pay out-of-pocket

Medisave Claimable

$

68.00

This is how much you can claim from Medisave.

 

With effect from 1 July 2014, the $30 deductible for Medisave claims under Chronic Disease Management Programme (CDMP) has been removed. 

  26. Under the chronic conditions, there are different subsidy tiers capped either at $320 or $480 a year for the blue Health Assist card and $200 or $300 a year for the orange Health Assist card. (Contd)

(Contd) How do i know which tier i fall under?

 

The tier is determined based on your medical condition and your General Practitioner (GP) will advise you accordingly.

  27. Can I visit a CHAS General Practitioner (GP) to seek treatment for my chronic and common illnesses simultaneously?
You are able to seek treatment for your chronic and common illnesses simultaneously. However, CHAS subsidies can only be enjoyed for the primary purpose of visit, i.e. if your primary purpose is to follow up on your hypertension treatment but at the same time seek treatment for flu, you would only be able to enjoy subsidies for the hypertension treatment.
  28. Is there a limit on the number of visits I can make?

You are encouraged to visit the same family doctor each time you are unwell so that the doctor is familiar with your personal and family's medical history. This will enable them to effectively and holistically manage your medical conditions.


For common illnesses, it is not expected that more than four visits per month would be required. For chronic conditions, on average, patients are expected to make about four visits per calendar year to the GP for the management and treatment of their condition(s).


These guidelines have been put in place to ensure that patients with multiple, frequent visits and might potentially require specialist or hospital care are reviewed in a timely manner.

  29. Can my CHAS GP refer me to a Specialist Outpatient Clinic (SOC)? Will I be considered a subsidised patient at the SOC?

GPs participating in CHAS can make subsidised referrals for Health Assist cardholders to SOCs which are located at Public Hospitals when necessary. Health Assist cardholders must bring along their Health Assist card and NRIC for verification, in addition to the CHAS Cover Note for subsidised specialist outpatient care at Public Hospitals and referral letter from their CHAS GP.


Health Assist cardholders will be considered as subsidised patient and pay the prevailing subsidised rates at the SOCs, CHAS subsidies cannot be used at the SOC. If patients indicate that they would like to see a specific doctor, they will be charged at prevailing private rates


For more information on enhanced subsidy at SOCs, please visit here.

  30. Can I use the Health Assist card at the polyclinic?
CHAS subsidies cannot be used at the polyclinics. However when Health Assist cardholders present their Health Assist cards at the polyclinics, they are eligible for higher subsidies for selected higher-cost standard drugs required for their chronic conditions under CDMP
  31. If I am currently being seen at the polyclinic for my chronic conditions but wish to seek treatment with my GP clinic under CHAS, what do I need to do to ensure continuity of care?
You may wish to inform your polyclinic doctor of your request and obtain a memo from him. The memo should indicate your condition, the medications that you are taking and latest test results, if any. This memo could be presented to your GP on your first visit to the CHAS clinic.
  32. Who can I provide feedback to if I am unhappy with the treatment provided?

You may contact the Singapore Medical Council (SMC) or the Singapore Dental Council (SDC), which are the regulatory authorities charged with guarding against medical/dental incompetence and professional negligence committed by doctors or dentists respectively. 

  33. Who should I contact if I have further queries on CHAS?
If you require any further assistance on CHAS, please click here or call the CHAS hotline at 1800-ASK-CHAS (1800-275-2427) between 8.30am and 6.00pm, Monday through Friday (excluding Public Holidays).
  34. Why should i join CHAS? How will i benefit from it?

The benefits of joining CHAS:
- Receive subsidies for medical care and dental care at CHAS clinics
- Convenience of visiting nearby CHAS clinics
- No application fee, annual fee or monthly premium for being a Health Assist cardholder
- Enjoy subsidised referrals to the Specialist Outpatient Clinics (SOCs) at Public Hospitals or National Dental Centre when required

  35. Can i use photocopied versions of the application form?
Yes, you can use photocopied versions of the application form. However the application form submitted must come with original signatures.
  36. What happens when my family members are not able to give consent (e.g. below 21 years old or mentally incapacitated)? Can others give consent on their behalf?

Family Members below 21 years old
Parents or legal guardian will need to give consent by signing on the application form on behalf of their family members who are below 21 years old. If the parent or legal guardian is not living at the same address, please provide a clear copy of their NRIC (front and back) or Passport.


Family Members who are mentally incapacitated
For family members who are mentally incapacitated, if they have a donee appointed under a Lasting Power of Attorney or deputy appointed by the Court under the Mental Capacity Act (Cap. 177A), the donee(s)/deputy(s) can sign on their behalf.  Otherwise, please complete the section “Unable to Provide Consent or On Behalf Consent” in the application form.


If there is more than one donee/deputy, please check whether the donee/deputy may act singly or has to act jointly with other donee(s)/deputy(s). If the donees/deputies are required to act jointly, all donees/deputies must provide consent on behalf of the mentally incapacitated.


If the donee(s)/deputy(s) are not living at the same address, please provide a clear copy of their NRIC (front and back) or Passport. Please also provide a copy of the Lasting Power of Attorney / Order of Court as supporting documentation. 

  37. I am an existing Health Assist cardholder and my household family composition has changed recently, e.g. elderly parent and/or child is now staying with me. What should I do?

Please fill in the application form and submit all relevant supporting documents (e.g. clear copies of NRICs and/or birth certificates of all family members living at the same address) to us for assessment.


You may download the application form here or pick up a CHAS application form at any Public Hospitals, Polyclinics, Community Centres and Clubs (CCs) or Community Development Councils (CDCs).

  38. How do I know if I am eligible for subsidised health screening tests under the ISP? Will Health Assist cardholders be eligible for subsidised health screening under ISP?

Health Promotion Board (HPB) will send out ISP invitation letters which notifies you of your eligibility for the subsidised health screening tests.


Subsidised health screening tests under the ISP will be made available to all valid Health Assist cardholders (both blue and orange) who meet the recommended screening criteria.

  39. How do I know if I am eligible to receive subsidies for doctor’s consultation for ISP screening at CHAS General Practitioner (GP) clinics?

All valid Health Assist cardholders (both blue and orange) can enjoy subsidies of up to $18.50 off doctor’s consultation for ISP screening and screening-related follow-ups at all CHAS GP clinics (up to two consultations per calendar year).


Please bring along and present your (i) NRIC, (ii) valid Health Assist card and (iii) screening invitation letter from HPB upon registration when you visit your CHAS clinic for an ISP screening appointment.

  40. Where can I do my subsidised screening? How many GPs are participating in this scheme?

Subsidised health screening under ISP can be done at all CHAS GP clinics. The updated list of CHAS GP clinics is available here


Please bring along and present your (i) NRIC, (ii) valid Health Assist card and (iii) screening invitation letter from HPB upon registration when you visit your CHAS clinic for an ISP screening appointment.

  41. What are the likely fees I have to pay at the CHAS GP clinic for an ISP screening?

If you are a valid Health Assist cardholder (both blue and orange), you can enjoy subsidies of up to $18.50 for GP consultation charges for health screening and related follow-ups at the CHAS GP clinics (up to 2 consultations per calendar year).


For example, assuming that a GP consultation is around $30, you can expect to pay about $11.50 for consultation charges, after Government subsidies. You are encouraged to check with the CHAS GP clinic on their charges for health screening before seeking consultation.

  42. Will the CHAS subsidies for doctor’s consultation for ISP screening be available at the polyclinics?
The GP consultation subsidies are only available at CHAS GP clinics.
  43. If my screening results are abnormal and I require a specialist referral, can I get a subsidised referral to the Specialist Outpatient Clinics (SOCs) at the Public Hospitals?

If you are a valid Health Assist cardholder and have gone to a CHAS GP clinic for your ISP screening, the CHAS GP clinic will be able to provide you a subsidised referral to the Specialist Outpatient Clinics (SOCs) at the public hospitals, in the event of an abnormal screening result that warrants further investigation and/or treatment.


This is no different from the current practice where a CHAS GP clinic can provide subsidised SOC referrals for CHAS patients. If patients indicate that they would like to see a specific doctor, they will be charged at prevailing private rates

  44. Can I get a reimbursement if I have gone for ISP screening at the CHAS GP clinic on or before 31 Dec 2013?
No, subsidies will only be effective from 1 Jan 2014. No reimbursement will be given if the ISP screening was done at the CHAS GP clinic on or before 31 Dec 2013.
  45. What happens if my Health Assist card has expired? Will I still be eligible for the screening subsidies?
A valid Health Assist card is required to receive subsidies for both the screening tests and consultation fees. If your card has expired, you may wish to renew your card by sending in a new application for CHAS.

You may download the application form here or pick up a CHAS application form at any Public Hospitals, Polyclinics, Community Centres and Clubs (CCs) or Community Development Councils (CDCs).
  46. Will subsidies for the screening consultation at the CHAS GP clinic be applicable for other health screening tests that are not recommended under the ISP?

Subsidies for screening consultation at the CHAS GP clinic are applicable only for the recommended ISP screening tests.

  47. How can I find out more about ISP?
You can call 1800-223-1313 to speak to a nurse advisor, email HPB_IntegratedScreening@hpb.gov.sg or click here to visit HPB’s website for more information.
  48. My household’s application was previously rejected due to the income criterion. With the revised criterion, I think we could be eligible for CHAS. What should I do?
Please submit a new application with all the necessary supporting documents (e.g. clear copies of NRICs and/or birth certificates of all household family members) in order for us to reassess your eligibility. If you are assessed to be eligible, you will receive your Health Assist card after 15 working days.
  49. What am I consenting to when i apply for CHAS?
By signing up for CHAS, you are giving your consent for data sharing between Ministry of Health (MOH) and its partners. To find out more about the data sharing, please visit here.