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CHAS FAQs

· General

What is the Community Health Assist Scheme (CHAS)?

 The Community Health Assist Scheme (CHAS) enables Singapore Citizens from lower- to middle-income households, and all Pioneers, to receive subsidies for medical and dental care at participating General Practitioners (GP) and dental clinics near their home.  

 

From 1 November 2019,onwards, CHAS will be extended to cover all Singapore Citizens with chronic conditions. This will  to allow more Singaporeans to benefit from more affordable chronic care at participating CHAS clinics, and to enable greater anchoring of chronic care in the community. All Merdeka Generation seniors will also receive subsidies for medical and dental care at GP and dental clinics from 1 November 2019 onwards. 

 

  

What does CHAS cover?

CHAS covers the following:


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

 

1. Anxiety+ 

2. Asthma 

3. Benign Prostatic Hyperplasia (Enlargement of Prostate Gland) 

4. Bipolar Disorder+

5. Chronic Obstructive Pulmonary Disease (COPD) 

6. Dementia 

7. Diabetes (including Pre-Diabetes)

8. Epilepsy 

9. Hypertension (High Blood Pressure) 

10. Ischaemic Heart Disease

11. Lipid Disorders (e.g. High Cholesterol) 

12. Major Depression+ 

13. Nephritis/Nephrosis (Chronic Kidney Disease) 

14. Osteoarthritis (Degenerative Joint Disease) 

15. Osteoporosis 

16. Parkinson’s Disease 

17. Psoriasis 

18. Rheumatoid Arthritis 

19. Schizophrenia+ 

20. Stroke 


 +Only claimable at selected clinics. Please call the CHAS hotline 1800-275-2427 (1800-ASK-CHAS) for more information.  

 

• Selected dental services e.g. crown, denture & root canal treatment;
• Recommended health screening, Screen for Life by Health Promotion Board (HPB).

Who is eligible for CHAS and Enhanced CHAS?

 Currently, to qualify for CHAS, applicants must be Singapore Citizens and meet the following criteria: 


• For households with income, the household monthly income per person must be $1,800 and below^.
• For households with no income, the Annual Value (AV) of home as reflected on the NRIC must be $21,000 and below^^.

Singapore Citizens who have the Public Assistance (PA) card do not need to apply for CHAS, as they can already receive full CHAS subsidies by showing the PA card.

From 1 November 2019, all Singaporeans, regardless of income, will be eligible for Enhanced CHAS. CHAS benefits will be tiered according to income and Annual Value (AV), as indicated in the below table:

  • All Singaporeans, regardless of income, will be eligible for Enhanced CHAS
  • The CHAS benefits will be tiered according to household monthly income and Annual Value (AV) of home, as indicated in the below table: 
     Eligibility criteria final
 

 
  ^Household monthly income per person is the total gross household monthly income divided by total number of family members living together. Only family members living at the same address (as stated on the NRIC) and related by blood, marriage or legal adoption are included in the calculation. Gross monthly income refers to your basic income, overtime pay, allowances, cash awards, commissions and bonuses. 

^^ AV is assessed by IRAS. An AV of up to $21,000 covers all HDB flats and some lower-value private residences.

What subsidies can I receive under CHAS?

There are currently two tiers of subsidy under CHAS, depending on the cardholder's household monthly income per person, and the CHAS PG tier for all Pioneers.

 From 1 November 2019, all Singapore Citizens will be eligible for CHAS. There will be an additional Green Tier of subsidy under CHAS, depending on the cardholder’s household monthly income per person or Annual Value of home. Merdeka Generation cardholders will also receive special CHAS subsidies at CHAS clinics. 

  Final subsidy table 

 

 

Why is there a need for an additional tier on top of the existing two?

The new Green tier covers Singapore Citizens who were previously not eligible for CHAS. CHAS Green cardholders can now receive subsidies for their chronic conditions at participating GP clinics, for better chronic disease management.

The different 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 expenses.

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- to middle-income households. MOH will regularly review the income criterion to ensure that healthcare remains accessible to all Singaporeans.

If my household income level changes within the validity period, will I be moved from one subsidy tier to the next?

Changes in income within the validity period will not change the subsidy tier that you are eligible for.

Do CHAS cards have a validity period? What should I do when my card expires?

CHAS cards typically have a validity period of two years unless otherwise indicated on the card. 
 
  
If your household continues to meet the eligibility criteria, your household can have your CHAS cards/status automatically processed for renewal three months before expiry.   
 
 
 
Your household’s renewal eligibility will be evaluated based on your latest household circumstances and you will receive a letter informing you of the outcome.  
 
 

What should I do if my household did not receive the invitation letter for renewal?

If your household did not receive the invitation letter for renewal two months before your cards expire, you can pick up a CHAS application form at any Community Centre or Club (CC), Community Development Council (CDC), Public Hospital or Polyclinic or download the application form here.            
 
Complete the form with all necessary signatures and mail out the completed form with supporting documents (if any)1 to P.O. Box 680, Bukit Merah Central Post Office, Singapore 911536.    
 
Please note that only one application form is required for each household. Generally, your application will be processed within 15 working days from receipt of the completed form with the necessary supporting documents.  
 
-----------------
1Foreigners and Special Pass holders are required to include clear copies of valid foreign identification documents (i.e. FIN card) or Special Pass and document(s) indicating the relationship to Main Applicant (e.g. marriage or birth certificate).   

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 (1800-ASK-CHAS) immediately for a replacement card. The CHAS hotline operates from Mondays to Fridays, 8.30am to 6.00pm (excluding Public Holidays). 

What is the difference between the Pioneer/Merdeka Generation card and the CHAS card?

CHAS provides subsidies for visits at participating CHAS GP and dental clinics. Currently, only Singapore Citizens who meet the CHAS eligibility criteria (based on income or Annual Value of their property) will qualify for the Blue or Orange CHAS card.  

 Existing eligibility criteria table 

From 1 November 2019 onwards, CHAS will be extended to cover all Singapore Citizens with chronic conditions to allow more Singaporeans to benefit from more affordable chronic care at participating CHAS GP clinics. All Singapore Citizens who apply for CHAS will receive CHAS cards, with benefits tiered according to household monthly income per person or Annual Value of home. 

The cards are typically valid for two years. With the CHAS card, cardholders can get subsidies at CHAS clinics. During the CHAS application process, CHAS applicants are also assessed for eligibility for higher subsidies at the Specialist Outpatient Clinics (SOCs) in the public hospitals, and CHAS Blue/Orange cardholders would generally qualify.  

 On the other hand, every Pioneer, regardless of income or housing type, has a Pioneer Generation (PG). All Merdeka Generation seniors will also receive a MG card. The PG or MG card is valid for life. With the PG card, Pioneers can receive special subsidies at CHAS clinics, and an additional 50% off subsidised services and drugs at the Specialist Outpatient Clinics (SOCs) at Public Hospitals and Polyclinics. With the MG card, MG seniors can receive special subsidies at CHAS clinics, and an additional 25% off subsidised services and drugs at the SOCs in Public Hospitals and Polyclinics, from 1 November onwards.

· Applying for CHAS

How can I apply for the scheme?

Application forms are available at any Community Centre or Club (CC), Community Development Council (CDC), Public Hospital or Polyclinic. 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 (work permit / long term visit pass) for family members who are foreigners.


If you have any family members who are foreigners, we would require photocopies of their work permit / long term visit pass for verification purpose.


If you have family members who are earning above $6,000 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.


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.

We will be launching an online application in Sept 2019. For your convenience, you may wish to apply then via online.

Why should I join CHAS? How will I benefit from it?

The benefits of joining CHAS: 

- 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 CHAS cardholder

- Enjoy higher subsidies* for subsidised services at Specialist Outpatient Clinics (SOCs) at Public Hospitals or National Dental Centre when referred  

- Enjoy higher subsidies* for subsidised medications at polyclinics and Specialist Outpatient Clinics(SOCs) at Public Hospitals 

*For Blue and Orange CHAS cardholders only

 

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

Who will be considered as part of the household?

Only family members related by blood, marriage and/or legal adoption, (e.g spouse, parents, children, grandparents, grandchildren, siblings, uncles, aunts, cousins and in-laws) and who live at the same address, as reflected on the NRIC, are considered members of your household.

 

Domestic helpers, unrelated tenants, godparents and friends living at the same address are not considered members of your household, Family members not living at your address are not considered members of your household.

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

 For those who are salaried employees, their income (inclusive of bonuses, overtime, allowances, cash awards, and commissions) will be based on:  
Average monthly income derived by CPFB over the last 12 months OR 
Average monthly income from work as assessed by IRAS for the latest available assessment year
  
   
 For those who are self-employed, their income will be based on: 
Income declared to the CPFB or the income assumed under CPF laws  within the last 24 months OR 
Average monthly income from work as assessed by IRAS for the latest available assessment year
  
   
 Should there be a change in income status, you may be required to submit supporting documents to reflect this change at the later date. 
 

I am an existing CHAS cardholder and my household family composition has changed recently. What should I do?

Please fill in the application form and submit all relevant supporting documents 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).

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.

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.

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.

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.

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.

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. 

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.

What is the approximate processing time for the application?

Generally, 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.

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. 

CHAS cards 

Blue card

Orange card

             CHAS Blue 2018               CHAS Orange 2018 
 CHAS blue card 2019   CHAS orange card 2019 

 

Can a Pioneer/Merdeka Generation join CHAS now?

Pioneers and Merdeka Generation^ seniors are able to enjoy special PG/MG^ CHAS subsidies under the Pioneer/Merdeka Generation Package.   

Currently, Pioneers who meet the CHAS eligibility criteria are encouraged to apply for CHAS Blue/Orange. Should their application is successful, they can enjoy higher subsidies at Specialist Outpatient Clinics (SOCs) in the public hospitals.  

CHAS application forms can be picked up at any Community Centres or Clubs (CCs) or Community Development Councils (CDC), Public Hospitals or Polyclinics, or downloaded here

Complete the CHAS application form and submit the relevant supporting documents (if any)1 to P.O. Box 680, Bukit Merah Central Post Office, Singapore 911536.  

 From 1 November 2019, all Singapore Citizens who apply for CHAS will receive CHAS cards with benefits tiered according to household monthly income per person or Annual Value of home. Pioneers and Merdeka Generation^ cardholders are encouraged to apply for CHAS to enjoy higher subsidies at Specialist Outpatient Clinics (SOCs).

We will be launching an online application in Sept 2019. For your convenience, you may wish to apply then via online. Generally, your application will be processed within 15 working days from the date of receipt of the completed application form. 

For more information, please contact the CHAS hotline at 1800-275-2427 (1800-ASK-CHAS).   

1Foreigners and Special Pass holders are required to include clear copies of valid foreign identification documents (i.e. FIN card) or Special Pass and document(s) indicating the relationship to Main Applicant (e.g. marriage or birth certificate).  

^Merdeka Generation (MG) cards will be accepted at CHAS clinics and SOCs from 1 November 2019 onwards.

When the Pioneer/Merdeka Generation cardholders' household apply for CHAS, do they still need to indicate their details in the application form?

Yes, as the Pioneer/Merdeka Generation senior is part of the household, they will need to include their details in the CHAS application form.

· Usage of CHAS

How do I use my CHAS card?

To enjoy subsidies at CHAS clinics, please present your CHAS or Pioneer Generation card with your NRIC during the visit, and we encourage clinics to check with their patients at the point of registration. For cardholders below 15 years old, please present your CHAS card with student ID or birth certificate.

 

Please note that by using your CHAS or Pioneer Generation card at a CHAS clinic, you agree to allow your doctor/dentist to disclose your personal information to the Ministry of Health (including its authorised agents). Please click here for more details on the CHAS patient consent.

*Merdeka Generation cards will be accepted at CHAS clinics from 1 November 2019 onwards.

Can my CHAS card be shared?

The CHAS card is non-transferable and cannot be shared.

Can I use the CHAS 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
 

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:


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

What are the likely fees that I have to pay at the participating clinic using my CHAS card?

Patients are expected to  co-pay for their treatment under CHAS. CHAS clinics are expected to charge CHAS patients reasonable fees for the medical and dental treatments provided under CHAS.

 

We encourage you to check with your doctor or dentist on the likely fees that you will be charged before proceeding with your treatment(s). The treatment required and the fees will vary according to each patient's condition. The amount you pay will be based on the fees charged by the clinic, minus your CHAS subsidies.

 

From 1 January 2017, it is compulsory for all CHAS GP and dental clinics to issue itemised bills to all CHAS patients. The itemised bill must at least state (i) the total charges before CHAS subsidy (with a breakdown into Consultation, Medication, Investigation and Others for medical bills or individual dental procedures for dental bills); (ii) the total CHAS subsidy given; and (iii) the remaining amount that you pay. You should get an itemised bill from the clinic even if your bill is fully covered by CHAS subsidies and you do not make any out-of-pocket payment.

 

A typical bill would include components such as consultation, medication and investigation/tests. The amount you pay will be based on the fees charged by the clinic, minus your CHAS subsidies.

 

Minimum level of bill itemisation required (GP clinics): 

 Bill itemisation (GP clinics) 

 

For 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.

 

 Minimum level of bill itemisation required (Dental clinics): 

 Bill itemisation (Dental clinics) 

  

For  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.  

 

Please click here for more details on the dental subsidy rates.

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

 Patients can use their own or their immediate family members’ Medisave accounts, up to the withdrawal limit of $500 per account per year for outpatient treatment of chronic conditions.  

 

   Medisave can  be used to co-pay the remaining bill after deducting the CHAS subsidies. After deducting the CHAS subsidies, you will need to co-pay 15% of the remaining bill in cash, while the rest can be claimed from Medisave.    

 

-

 

 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.   

Example of a chronic visit for a blue CHAS 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. 

 

For chronic conditions, there is a Simple and Complex subsidy tier. How do I know which tier I am eligible for?

 The tier is determined based on the complexity of your chronic condition(s). "Simple" refers to visits for one chronic condition. "Complex" refers to visits for two or more chronic conditions, or one chronic condition with complication(s). Your GP can advise you which chronic subsidy tier you are eligible for. 

 

Can I visit a CHAS General Practitioner (GP) to seek treatment for my chronic and common illnesses simultaneously?

Yes, you can seek treatment for multiple conditions simultaneously. However, only one CHAS claim can be made for each visit, for the primary purpose of the visit, e.g. 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 make one claim under CHAS Chronic (covering both hypertension and flu).

 

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 your doctor 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.

From 2020, MOH will be instituting a limit on the number of visits for common illnesses allowed under CHAS to be 24 per year per patient, across all CHAS clinics. We have assessed that it is not expected that more than 24 visits per year would be required for common illnesses. This guideline has been put in place to limit potential abuse of subsidies and to ensure that patients with multiple, frequent visits and might potentially require specialist or hospital care are reviewed in the appropriate setting in a timely manner.

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

 Yes, if you have been assessed to require specialist care and hold a Health Assist or Pioneer Generation card, your CHAS GP can make a referral for you to visit a public hospital Specialist Outpatient Clinic (SOC). You will be considered as a subsidised patient and will receive care from a team of doctors. Patients who wish to choose a specific doctor will have to pay private rates.  

 Upon referral, do bring along your NRIC and CHAS Referral Form, during your first visit to the subsidised SOC.  

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

Can I use the CHAS card at the polyclinic?

 All Singaporeans already receive heavy Government subsidies at the polyclinics. As such, CHAS subsidies are not applicable at the polyclinics, and are intended only for private GP and dental clinics.    

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.

For a Pioneer with both the Pioneer Generation card and CHAS card, which card should he/she bring when visiting a CHAS clinic?

Pioneers should bring their Pioneer Generation card when visiting a CHAS clinic – they do not need to bring the CHAS card.

· Recommended Health Screening, Screen for Life (SFL) by Health Promotion Board (HPB)

· What is Screen for Life?

 
 Screen for Life (SFL) is the national screening programme by the Health Promotion Board (HPB) that offers eligible Singaporeans and Permanent Residents subsidised screenings, recommended based on age and gender. ​​ 
 
 
 
 SFL aims to drive Singaporeans to go for regular screenings and follow-up. It consolidates HPB's screening programmes, previously known as Integrated Screening Programme, BreastScreen Singapore, CervicalScreen Singapore, Community Functional Screening Programme, and National Colorectal Cancer Screening Programme. 
 
 
 
 You can find out your recommended screenings at  Screen for Life.​​​​​ 

· What is the enhanced Screen for Life (SFL) subsidy?

Ministry of Health (MOH) and the Health Promotion Board (HPB) are enhancing the Screen for Life (SFL) programme to encourage eligible Singaporeans to go for recommended health screenings and post-screening follow-up. Besides Pioneer Generation (PG) and Health Assist (HA) cardholders, all other Singaporeans can also access subsidised screening and one follow-up consultation (if needed) at a low, fixed fee, as long as they are recommended by HPB to go for screening. These screening services are only available at CHAS GP clinics.   
 
With the Screen for Life invitation letter, CHAS Blue, Orange and Merdeka Generation* cardholders will need to pay a fixed fee of $2, for recommended screening test(s) and first post-screening consultation, if required. CHAS Green* cardholders will need to pay $5. Eligible Pioneers will not have to pay.   
 
 
Screening test(s) done at a separate visit will be charged a separate fixed fee.   
 
 
For example, an eligible CHAS cardholder will pay $2, and this will cover the costs of the screening visit which could include screening tests for cardiovascular risk and/or colorectal cancer and/or cervical cancer screening, and the consultation fees for one follow-up visit, if required.   
 
   Table 1: Enhanced SFL Co-payment 
 SFL subsidy table 

 Permanent Residents (PR) who are due for recommended health screenings will be notified by HPB. While PRs are not eligible for enhanced SFL subsidies, they can continue to tap on HPB’s screening test rate(s) at CHAS GP clinics. The prevailing doctor consultation rates will be charged accordingly by the respective CHAS GP clinics.  

*Only applicable from 1 November onwards.

· What services does the SFL co-payment cover?

It covers the screening visit, including the cost of the recommended screening tests done within the same visit and the doctor's consultation fee, as well as the first follow-up consultation fee for individuals who have been assessed to require one. Screening test(s) done at a separate visit will be charged a separate fixed fee.

· What do the enhanced screening subsidies at GP clinics aim to achieve?

The enhanced screening subsidies aim to encourage more Singapore Citizens to go for recommended screening and receive the necessary follow-up. Treatment is more effective when conditions are detected and treated early. Going for regular screenings and follow-up with your regular GP also helps to develop a meaningful patient-doctor relationship, so that your GP is better able to manage your condition(s) in the long term.

· When can I receive the enhanced screening subsidies?

The enhanced screening subsidies will be made available to all eligible Singapore Citizens with effect from 1 September 2017.

· How do I know if I am eligible for the enhanced screening subsidies?

Your eligibility depends on your age and gender as below:

  • Cardiovascular risk screening – Men and women aged 40 years and above 
  • Cervical cancer screening – Women 25 years and above
  • Colorectal cancer screening – Men and women 50 years and above 

  

Your eligibility also depends on when your last screening visit was and whether you had been diagnosed with chronic diseases or selected cancers (breast, cervical and colorectal) before. 

  

 All eligible Singaporeans will receive a letter of invitation from HPB informing them of the scheme. Upon receiving the letter, we strongly encourage you to make an appointment with your preferred CHAS GP. On the appointment date, please present the letter, your NRIC, and CHAS/PG/PA* card, to qualify for the subsidised rate. 

  

*Eligible Public Assistance (PA) card holders will receive the same subsidies as PG cardholders i.e. no need for co-payment. 

· I am below 40 years old, but I would like to be screened. Can I enjoy the enhanced SFL subsidies?

If you are between 18 to 39 years old, and are identified to be 'at-risk' after taking the Diabetes Risk Assessment (DRA) on HPB's HealthHub platform, you may enjoy the enhanced SFL screening subsidies for cardiovascular risk screening. (Please refer to question 18 here)
If you are a woman aged 25 or above, you may enjoy the enhanced SFL screening subsidies for Pap tests. 

· Where can I go for screening?

Screening under SFL is available at all CHAS GP clinics island wide.  

 

You may use the clinic locator find out where your nearest CHAS GP clinic is located. We strongly recommend you to make an appointment with your CHAS GP as you need to prepare for your screening appointment.

 

Please bring along and present your (i) NRIC, (ii) CHAS card, Pioneer Generation card and (iii) screening invitation letter from HPB upon registration when you visit your CHAS clinic for your health screening appointment.

· Do I have to make an appointment to get screened?

 We strongly recommend that you call your preferred clinic in advance to make an appointment for screening. This is because you need to prepare for your screening appointment, for example, some tests require you to fast overnight (no food or drink other than plain water, for at least 8-10 hours before the blood test). Booking an appointment with your GP facilitates a smooth process for your visit.
 

· What are the likely fees I have to pay at the CHAS GP clinic for the health screening?

With the Screen for Life invitation letter, CHAS Blue, Orange and Merdeka Generation* cardholders will need to pay a fixed fee of $2, for recommended screening test(s) and first post-screening consultation, if required. CHAS Green* cardholders will need to pay $5. Eligible Pioneers will not have to pay. 

* Only applicable from 1 November onwards .

· I am a CHAS cardholder, how much do I need to pay for health screening under Screen for Life (SFL)?

With the Screen for Life invitation letter, CHAS Blue and Orange cardholders will need to pay a fixed fee of $2, for recommended screening test(s) and first post-screening consultation, if required. CHAS Green cardholders will need to pay $5.

· Will I be able to enjoy the subsidised screening rates if I visit my doctor at the polyclinic?

The enhanced subsidised rates are only available at CHAS GP clinics. If you prefer to attend screenings at polyclinics, your visit will be subsidised according to the existing polyclinic subsidies that you are eligible for.

· If my screening results are abnormal and require specialist referral, (cont'd)

(cont'd)  can I get a subsidised referral to Specialist Outpatient Clinics at Public Hospitals?

 

If you are a valid Health Assist cardholder and have gone to a CHAS GP clinic for your recommended health screening under the Screen for Life (SFL) programme, the CHAS GP clinic will be able to provide you with 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.

· 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 the subsidised fixed fee of $2 for the recommended health screening. The fee will be fixed at $5 for eligible Singaporeans and free for eligible Pioneers. 

 Health Assist cards typically have a validity period of two years. You may wish to renew your card if your card has expired.  

  1. Pick up a CHAS application form at any Community Centre or Club (CC), Community Development Council (CDC), Public Hospital or Polyclinic. Alternatively, you can download the application form here.            
  2. Complete the form with all necessary signatures.           
  3. Mail out the completed form with supporting documents (if any).               

Please note that only one application form is required for each household. 

Generally, your application will be processed within 15 working days from receipt of the complete form with the necessary supporting documents.   

· Will screening subsidies at the CHAS GP clinic be applicable for other health screening tests that are not under the SFL programme?

Screening subsidies at CHAS GP clinics are applicable only for the health screening tests recommended under the SFL programme.

· How can I find out more about the Screen for Life programme?

You can find out more about the recommended screenings at the Screen for Life website here

· Feedback on CHAS

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 1800-275-2427 (1800-ASK-CHAS) between 8.30am and 6.00pm, Monday through Friday (excluding Public Holidays).

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. 

How would I know if I am receiving the correct subsidy from the clinic, and how much subsidy the clinic is claiming from Government in my name?

 From 1 January 2017, it is compulsory for all CHAS GP and dental clinics to issue you an itemised bill for your visit. The itemised bill must at least state (i) the total charges before CHAS subsidy (with a breakdown into Consultation, Medication, Investigation and Others for medical bills or individual dental procedures for dental bills); (ii) the total CHAS subsidy given; and (iii) the remaining amount that you pay. This will give you a clearer understanding of the treatments and subsidies received. You should get an itemised bill from the clinic even if your bill is fully covered by CHAS subsidies and you do not make any out-of-pocket payment. If you have any queries on the bill, you are encouraged to speak to your clinic.  

 

 In addition, you can check your CHAS claims history and annual subsidy balance, by logging in to MyCHAS using your SingPass on the CHAS website (www.chas.sg), or calling the CHAS hotline (1800-275- 2427). You can also update your personal particulars through MyCHAS or the CHAS hotline.  

 

 

 

 

 

 

· Enhanced CHAS

Why did the Government enhance CHAS?

CHAS will be enhanced to ensure more Singaporeans benefit from more affordable chronic care at participating CHAS GP clinics, and to strengthen primary care as the medical home of patients.

What are the enhancements to CHAS?

 

  • There will be a new CHAS Green Tier, with the following eligibility criteria:
    • For households with income, the household monthly income per person is above $1,800
    • For households with no income, the Annual Value (AV) of home is above $21,000
  • The new CHAS Green tier will cover simple and complex chronic conditions as follows:
          Green tier
 
  • Orange Cardholders can now enjoy subsidies for common illnesses, of up to $10 per visit
  • Blue and Orange complex chronic subsidies will be enhanced; cardholders can enjoy up to an additional $20 in complex chronic subsidies annually. 
  • Enhanced Blue tier:
          Blue tier
 
  • Enhanced Orange tier:
         Orange tier
 
  • All Merdeka Generation cardholders will also receive special subsidies at CHAS GPs.

         MG CHAS tier 

How will Enhanced CHAS help Singapore Citizens?

Enhanced CHAS allows more Singaporeans to benefit from more affordable chronic care at participating CHAS GP clinics, and to strengthen primary care as the medical home of patients. All Singaporeans are now eligible for CHAS.

Please refer to the below table for a detailed breakdown of subsidies according to the different tiers.

 Enhanced CHAS subsidy only 

Will there be an increase in coverage of chronic conditions?

Under the current CHAS scheme, chronic conditions under the Chronic Disease Management Programme (CDMP) are covered by CHAS subsidies. MOH regularly reviews the chronic conditions covered under CDMP. For instance, epilepsy, osteoporosis, psoriasis and rheumatoid arthritis, were included in the list of CDMP conditions in 2015, and pre-diabetes and ischaemic heart disease were added in 2018. There will not be an increase in the number of chronic conditions covered by CHAS.

Why are common illnesses and dental procedures not covered under the Green tier?

Enhanced CHAS aims to help Singapore Citizens access subsidies for chronic care near their home, strengthening the role of the primary care sector in serving an ageing population with rising chronic disease prevalence.

Will MG cardholders receive subsidies for dental services?

From 1 November onwards, MGs will be receiving additional subsidies for dental services of up to $261.50 per procedure at CHAS dental clinics. Please refer to the updated list of dental procedures covered on www.chas.sg here.


 

Will Blue, Orange CHAS and PG cardholders receive enhanced subsidies for dental services?

More details will be released soon. Please refer to the table for the existing subsidy amounts for the respective tiers. 

 Current dental subsidy 

Are there any changes to the subsidies for CHAS Blue and Orange tiers?

The changes to the Blue and Orange CHAS tiers are as follows:

  • Enhanced Blue tier: 
Blue tier
 
  • Enhanced Orange tier:
 Orange tier 

Who is eligible for CHAS and Enhanced CHAS?

 Currently, to qualify for CHAS, applicants must be Singapore Citizens and meet the following criteria: 


• For households with income, the household monthly income per person must be $1,800 and below^.
• For households with no income, the Annual Value (AV) of home as reflected on the NRIC must be $21,000 and below^^.

Singapore Citizens who have the Public Assistance (PA) card do not need to apply for CHAS, as they can already receive full CHAS subsidies by showing the PA card.

From 1 November 2019, all Singaporeans, regardless of income, will be eligible for Enhanced CHAS. CHAS benefits will be tiered according to income and Annual Value (AV), as indicated in the below table:

  • All Singaporeans, regardless of income, will be eligible for Enhanced CHAS
  • The CHAS benefits will be tiered according to household monthly income and Annual Value (AV) of home, as indicated in the below table: 
     Eligibility criteria final
 

 
  ^Household monthly income per person is the total gross household monthly income divided by total number of family members living together. Only family members living at the same address (as stated on the NRIC) and related by blood, marriage or legal adoption are included in the calculation. Gross monthly income refers to your basic income, overtime pay, allowances, cash awards, commissions and bonuses. 

^^ AV is assessed by IRAS. An AV of up to $21,000 covers all HDB flats and some lower-value private residences.

I am already part of the Pioneer Generation (PG) / Merdeka Generation (MG), do I get additional subsidies with the enhanced CHAS?

For MG: 

From 1 November onwards, MGs can enjoy special CHAS subsidies.  Please refer to the following table for the detailed breakdown of subsidies that Merdeka Generation seniors are eligible for.  

MG CHAS tier
 

For PG: 

You will still continue to enjoy existing CHAS benefits under the Pioneer Generation tier as follows: 


 PG subsidy table 

Will CHAS Green cardholders be able to enjoy higher subsidies at public hospitals?

Due to the means-test status of CHAS Green cardholders, there will not be additional subsidies available for them at public hospitals.

Can CHAS Green cardholder qualify for subsidised referrals to SOCs in public hospitals?

As both CHAS Green and MG cardholders are considered subsidised medical patients, CHAS Green and MG cardholders can also enjoy subsidised referrals to medical SOCs.

However, as CHAS Green cardholders do not receive dental subsidies, they would not qualify for subsidised referrals to dental SOCs. 

Since every Singapore Citizen is now eligible for the enhanced CHAS, do I still need to submit an application form?

Although every Singapore Citizen is eligible for the enhanced CHAS, the enrolment onto CHAS is still on an application basis. To enjoy subsidies under the enhanced CHAS, you will need to submit an application to receive your CHAS card.

MOH will be launching an online application in Sept 2019. For your convenience, you may wish to apply then via online. 

I recently got rejected from CHAS, does this mean I can reapply now for Enhanced CHAS?

The Enhanced CHAS subsidies will roll out from 1 November 2019. In conjunction with the rollout of the Enhanced CHAS. MOH will be launching an online application in Sept 2019, for your convenience, you may wish to apply then via online.

I am currently a CHAS cardholder. Do I need to re-apply to enjoy the enhanced CHAS benefits?

You would automatically enjoy the enhanced CHAS benefits from 1 November 2019.

How do I submit an application for the enhanced CHAS?

You can still apply for the existing CHAS scheme via this route:

Application forms are available at 

a) any Community Centre or Club (CC), 

b) Community Development Council (CDC), 

c) Public Hospital or Polyclinic. 

d) The forms can also be downloaded here. You may use the business reply envelope to mail your completed application form and the supporting documents to P.O. Box 680, Bukit Merah Central Post Office, Singapore 911536.

From September onwards, you will be able to apply for CHAS more easily and conveniently via the CHAS Online Application.

 

When applying for CHAS, are all my family members required to give consent?

Yes, 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 and assess which CHAS subsidy tier your household is eligible for.

Can the Merdeka Generation join CHAS?

The Merdeka Generation will be able to enjoy special CHAS subsidies at CHAS clinics under the Merdeka Generation Package. 

Please refer to the table below for the special CHAS subsidies MG cardholders will receive.

MG CHAS tier
 

Is there a limit to how much I can claim at CHAS GP/dental clinics?

The claim limits at CHAS GP and dental clinics vary according to the different tiers and different claim types. Please refer to the table below for a more detailed breakdown of subsidies.

 Final subsidy table 

What is the difference between the “Health Assist” card and “CHAS” card?

In conjunction with the upcoming launch of Enhanced CHAS, we have revised the branding of the CHAS card from “Health Assist” to “CHAS” after taking into account ground feedback. Apart from the change in the design of the card, there are no further differences between the 2 cards.

You should continue to use your existing “Health Assist” card till the end of the validity period that is indicated on card.  The CHAS clinics will still recognise your “Health Assist” card, as long as it is still valid.

Successful CHAS applicants will be issued with the new “CHAS” card design from March onwards.

When can I get the new CHAS card?

The Enhanced CHAS subsidies will be in effect from 1 November onwards. In conjunction with the rollout of the Enhanced CHAS scheme, MOH will be launching an online application in Sept 2019. For your convenience, you may wish to apply then via online. Generally, your application will be processed within 15 working days from the date of receipt of the completed application form.

I am a Pioneer, why do I still receive a PG-Green CHAS card/ CHAS Green card with a PG indicator?

The PG-Green CHAS card was issued, taking into account your latest means-test status. You will continue to be eligible for your Pioneer CHAS benefits by showing your existing PG card at the CHAS GPs.

Alternatively, should you lose your existing PG card, you may also show your PG-Green CHAS card at the CHAS GPs for subsidies while waiting for your replacement PG card to arrive. 

Do I bring my CHAS card or my MG card when I visit the CHAS clinic?

You are encouraged to bring your MG card when you visit the CHAS clinic. However, if you have misplaced your MG card or left it at home, you may also bring your MG-CHAS card to the CHAS clinic and it will also be recognised by CHAS clinics.

Why is there an indicator “MG” at the top right hand corner of the CHAS card that I received?

The “MG” indicator at the top right hand corner of CHAS cards indicates that the cardholder is a MG. Should MG cardholders forget to bring their MG cards to CHAS clinics, this indication will allow them to be accorded special CHAS subsidies after 1 November 2019. 

You are encouraged to bring both your MG card when you visit the CHAS clinic. However, if you have misplaced your MG card or left it at home, you may also bring your MG-CHAS card to the CHAS clinic and it will also be recognised by CHAS clinics.