Health financing structure in Singapore

The financing philosophy of Singapore’s healthcare delivery system is based on individual responsibility and community support. Patients are expected to co-pay part of their medical expenses and to pay more when they demand a higher level of service. At the same time, Government subsidies help to keep basic healthcare affordable.

To help Singaporeans to pay for their medical expenses, the Government has put in place a financing framework, which consists of Medisave, MediShield, Medisave-Approved Integrated Shield Plans and Medifund. The CPF Board administers the Medisave and MediShield schemes.

Medisave-approved Integrated Shield Plans are generally an enhancement to MediShield, which is already part of the 3Ms.