FINANCIAL ASSISTANCE AND SUBSIDIES

NTUC Health strives to provide a comprehensive suite of affordable health and eldercare services to serve you and your loved ones. We understand that cost is often a major consideration when deciding on the best care option.

Here is a list of relevant financial assistance and subsidies administered by various government bodies that you can tap on to support you and your loved ones to live and age well in a comfortable environment:

  1. National Mean Testing System (NMTS)
  2. Community Health Assist Scheme (CHAS)
  3. Senior Mobility and Enabling Fund (SMF)
  4. Interim Disability Assistance Programme for Elderly (IDAPE)
  5. Pioneer Generation Disability Assistance Scheme (PGDAS)
  6. Merdeka Generation Package

Need a subsidy? Call our hotline and our Care Concierge can help to see which subsidies you are eligible for.

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NATIONAL MEANS TESTING SYSTEMS (NMTS)

What is it?

Means-test is a method to calculate the amount of subsidies you will receive from the government for care services. It ensures that the subsidies for lower-income households and higher income households are allocated proportionately.

For means-testing, the income of all family members living in the household are taken into consideration. This includes in-laws, relatives, and legally adopted children with the same residential address.

For households with income, the monthly household income per person is used to determine the amount of subsidy allocated to eligible patients.

Monthly household income refers to:

  • For salaried employees – average monthly employment income received over the last available 12-month period, including bonuses.
  • For self-employed: (a) the monthly income derived from the last available net trade income as assessed by IRAS within the last two assessment years OR (b) the income declared to the CPF Board or the income assumed under the CPF laws within the last two years. 

For households with no income (e.g. an elderly retired couple whose children have moved out into their own homes), the annual value of your residence will be considered instead. 

Am I eligible?

Both Singapore citizens and permanent residents are entitled to subsidies for NTUC Health’s Day Care, Home Care, and Nursing Home services, depending on the monthly household income per person. Apart from the monthly household income per person, the patient may also be required to meet other eligibility criteria, such as care assessments, to qualify. 

NMTS Eligibility Table

How to apply?

It is our mission to bring happiness and peace of mind to you and your loved ones. This includes your cost considerations for health and eldercare services. Unsure of your eligibility or the application process? Feel free to contact our care concierge to assist you in making the best decision.

  • For subsidies on Home Care fees, please call: T. 6715 6715
  • For subsidies on Day Care fees, please call: T. 6715 6762
  • For subsidies on Nursing Home (Chai Chee) fees, please call: T. 6812 8960
  • For subsidies on Nursing Home (Geylang East) fees, please call: T. 6708 8600
  • For subsidies on Nursing Home (Jurong West) fees, please call: T. 6708 8400

Alternatively, you may contact the Agency for Integrated Care at 1800-650-6060, or complete the application on your own through the steps below:

Step 1: Simply approach the medical social workers in your existing polyclinic or hospital to initiate the application for subsidies through National Means Testing Systems.

Step 2: The medical social worker will assess the patient’s conditions, family background, and financial situation to ascertain the eligibility and subsidies rate.

Step 3: The medical social worker will assist you with the Means-Test Declaration Form (PDF), and refer your application to the Agency for Integrated Care.

Step 4: The Agency for Integrated Care will review your application and send the referral to NTUC Health. NTUC Health will follow up with you for pre-admission preparation.

Step 5: You may now enjoy affordable health and eldercare services by NTUC Health!

COMMUNITY HEALTH ASSIST SCHEME (CHAS)

What is it?

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, for:

  • Common illnesses: cough, cold, flu, abdominal pain, diarrhoea, fever, headache, skin infection and rashes, sore eyes, urinary tract infection.
  • Selected chronic diseases: diabetes mellitus, hypertension, hyperlipidemia, stroke, asthma, chronic obstructive pulmonary disease, schizophrenia, depression, bipolar disorder, dementia, osteoarthritis, benign prostatic hyperplasia, anxiety, parkinson’s disease, nephrosis, epilepsy, psoriasis, rheumatoid arthritis, ischaemic heart disease.
  • Selected dental services: crowning, denture, denture reline, root canal treatment, extraction, filing, polishing, scaling, topical fluoride, X-ray.
  • Health screening: diabetes, high blood pressure, high blood cholesterol, colorectal cancer, and cervical cancer.

From 1 November 2019, CHAS will be extended to cover Singapore Citizens for chronic conditions at participating CHAS clinics including NTUC Health Family Medicine Clinic. All Merdeka Generation seniors will also receive subsidies for medical and dental care at CHAS GP and dental clinics including NTUC Health Family Medicine Clinic and Denticare Clinics.

Am I eligible?

CHAS Eligibility CHAS subsidies for dental and family medicine

How to apply?

It is our mission to bring happiness and peace of mind to you and your loved ones. This includes your cost considerations for health and eldercare services. Unsure of your eligibility or the application process? Feel free to contact our care concierge to assist you in making the best decision.

  • For subsidies on Denticare fees, please call: T. 6336 6222
  • For subsidies on Family Medicine Clinic fees, please call: T. 6281 2638

Alternatively, you may contact the CHAS customer support officer at 1800-275-2427
directly, or complete the application on your own through the steps below:

Step 1: Pick up a CHAS application form at any Community Centre or Club (CC), Community Development Council (CDC), Public Hospital, or Polyclinic. Alternatively, you may download the application form here (PDF).

Step 2: Fill up the application form. Family members with the same residential address only need to submit one application form with the necessary supporting documents.

Step 3: Send the completed and signed application form to P.O Box 680, Bukit Merah Central Post Office, Singapore 911536. Application will be processed within 15 working days. From September 2019, Singaporeans will also be able to apply for CHAS online using Singpass.

Step 4: Successful applicant will receive a CHAS card that indicates the subsidy tier they are eligible for. All family members with the same residential address will also receive their cards.

Step 5: You may now enjoy affordable health and eldercare services by NTUC Health!

For more information, please visit Community Health Assistant Scheme website.

SENIOR MOBILITY AND ENABLING FUND (SMF)

What is it?

To support ageing in place, the Seniors Mobility and Enabling Fund (SMF) provides support for seniors who receive government funded home care or care within the community, and require mobility and assistive devices for daily independent living.

The following SMF subsidies are available:​

  1. Assistive Devices: This refers to items that help your elderly loved one move around (walking stick and wheelchair) and items that your elderly loved one may need at home (commode, pressure relief cushion, hospital bed, spectacles, and hearing aids).
  2. Home Healthcare Items: For frail seniors who can stay in nursing homes but choose to be supported by home healthcare services, you can apply for subsidies for the cost of necessities (catheters, milk supplements, thickeners, adult diapers, nasal tubing, and wound dressings).

Am I eligible?

SMF Eligibility

SMF Eligibility for Home Healthcare Items

How to apply?

It is our mission to bring happiness and peace of mind to you and your loved ones. This includes your cost considerations for health and eldercare services. Unsure of your eligibility or the application process? Feel free to contact our care concierge to assist you in making the best decision.

For assistance on Senior Mobility and Enabling Fund, please call: T. 6590 4300

Alternatively, you may contact Singapore Silver Line at 1800-650-6060 directly, or complete the application on your own through the steps below:

Step 1: Get a copy of the SMF application form from any AICare Link​, or download the Application Form for Seniors’ Mobility and Enabling Fund (PDF).

Step 2: Fill up the application form with a copies of your NRIC, medical reports, and financial assistance documents.

Step 3: Send the completed and signed application form to Senior Mobility and Enabling Fund (SMF) at No. 7 Maxwell Road #04-01 MND Complex Annex B Singapore 069111. 

Step 4: You will be notified of your application outcome by AIC.

Step 5: You may now enjoy your subsidised assistive devices and home healthcare items.

For more information, please visit Silver Pages’ Resource Library on SMF.

INTERIM DISABILITY ASSISTANCE PROGRAMME FOR ELDERLY (IDAPE)

What is it?

The Interim Disability Assistance Programme For the Elderly (IDAPE) is an assistance scheme for seniors who were not eligible for ElderShield due to their age or pre-existing disabilities. 

If you fall under this category and meet the eligibility criteria, you can receive $150 – $250 monthly cash payout for up to 72 months.

The cash payout can be used to care for the disabled IDAPE claimant, for medical bills, nursing costs, and the hiring of foreign domestic worker.

You may nominate yourself, a caregiver (18 years old and above), or the NTUC Health’s nursing home that you are residing in to receive your IDAPE payment.

Am I eligible?

IDAPE Eligibility

How to apply?

It is our mission to bring happiness and peace of mind to you and your loved ones. This includes your cost considerations for health and eldercare services. Unsure of your eligibility or the application process? Feel free to contact our care concierge to assist you in making the best decision.

For assistance on the IDAPE scheme and assessment, please call: T. 6590 4300

Alternatively, you may contact Singapore Silver Line at 1800-650-6060 directly, or complete the application on your own through the steps below:

Step 1: Submit your households means test declaration to Ministry of Health. You may download the Means-Test Application Form (PDF) here. 

Step 2: Prepare your IDAPE application form and supporting documents. You may download the Application Form For Schemes Administered by Agency for Integrated Care (PDF) here.

Step 3: Contact an IDAPE-appointed assessor for disability assessment. You may check the list of assessors here. The following fees apply:

IDAPE Fees

Step 4: Submit your IDAPE application documents to the assessor, who will submit the documents to AIC. You will be notified of your application outcome in writing.

Step 5: You may now receive your monthly payout.

For more information, please visit Silver Pages’ Resource Library on IDAPE.

PIONEER GENERATION DISABILITY ASSISTANCE SCHEME (PGDAS)

What is it?

Pioneers who have disabilities and require permanent help with activities of daily living, can receive a life-long cash assistance of $100 each month to support their care expenses. 

Am I eligible?

PDGAS Eligibility

How to apply?

It is our mission to bring happiness and peace of mind to you and your loved ones. This includes your cost considerations for health and eldercare services. Unsure of your eligibility or the application process? Feel free to contact our care concierge to assist you in making the best decision.

For assistance on the PGDAS scheme and assessment, please call: T. 6590 4300

Alternatively, you may contact Singapore Silver Line at 1800-650-6060 directly, or complete the application on your own through the steps below:

Step 1: Pick up the application forms at any Community Centre or AICare Link. Alternatively, you may download the following forms: 1) Application Form for Schemes Administered by AIC (PDF), 2) Functional Assessment Report (PDF), and 3) Terms and Conditions.

Step 2: Visit any clinic with the Functional Assessment Report for the disability assessment. The cost of an assessment vary according to the clinic you visit. If you are permanently bedridden, a memo or document from your doctor to certify the start date of your disability is sufficient. You may also use your Eldershield or IDAPE approval letter in lieu of a Functional Assessment Report.

Step 3: Send the completed forms to AIC at No. 7 Maxwell Road #04-01, MND Complex Annex B, Singapore 069111.

Step 4: You will be notified of your application outcome by AIC.

Step 5: You may now receive your monthly payout.

For more information, please visit the Silver Pages resources page on the Pioneer Generation Disability Assistance Scheme.

MERDEKA GENERATION PACKAGE

What is it?

The Merdeka Generation Package is for Singaporeans born from 1 January 1950 to 31 December 1959, and who became a Singapore Citizen on or before 31 December 1996. 

The package is also given to seniors who did not receive the Pioneer Generation Package, but were born on or before 31 December 1949, and became a Singapore Citizen on or before 31 December 1996. Benefits include:

  • $100 Passion Silver card top-up for active ageing programmes
  • $200 Medisave top-ups
  • Outpatient subsidies
  • CareShield Life Participation Incentives
  • Additional MediShield Life Premium Subsidies

Am I eligible?

You may check your eligibility for the Merdeka Generation Package here.

How to apply?

It is our mission to bring happiness and peace of mind to you and your loved ones. This includes your cost considerations for health and eldercare services. Unsure of your eligibility or the application process? Feel free to contact our care concierge to assist you in making the best decision or for assistance.

For assistance on the Merdeka Generation Package application, please call: T. 6590 4300

Alternatively, you may contact the Merdeka Generation Package support staff at 1800-2222-888 or email contactus@merdeka.gov.sg.

For more information, please visit the Merdeka Generation website.

MORE RESOURCES

Need more information? Call our hotline to find out which subsidies you are eligible for. Require further assistance? Visit the Ministry of Social and Family Development website to find a Social Service Office where you can get help with subsidies, counselling and other government support.

CONTACT US

Need a subsidy? Call our hotline and our Care Concierge can help to see which subsidies you are eligible for.

LET’S CHAT >>