Average Duration to Process Appeals to Withdraw from MediSave Accounts Beyond Annual Withdrawal Limit
Ministry of HealthSpeakers
Summary
This question concerns Er Dr Lee Bee Wah’s inquiry on the processing duration for MediSave withdrawal limit appeals, reasons for rejection, and the management of recurring appeal cases. Minister for Health Gan Kim Yong stated that appeals are processed in about one month based on clinical and financial circumstances, including family support and treatment complexity. He explained that patients with low balances or future treatment needs may be referred to Medical Social Workers for MediFund or inter-agency assistance from MSF and HDB. For those with high bills from unsubsidised care, installment plans are suggested to prevent the premature depletion of MediSave funds needed for future needs. The Ministry continues to review healthcare financing to ensure that no Singaporean is denied necessary medical care because of an inability to pay.
Transcript
10 Er Dr Lee Bee Wah asked the Minister for Health (a) over the past three years, what is the average duration taken to process appeals by persons who wish to draw from their MediSave accounts beyond the annual withdrawal limit; (b) what are the common reasons for those unsuccessful appeals; and (c) whether there have been appeals by similar persons for consecutive years and, if so, how are these appeals managed.
Mr Gan Kim Yong: Appeals for additional MediSave withdrawal beyond these limits are assessed on a case-by-case basis, taking into consideration circumstances of the patient and his family, such as whether more complex treatment was required, as well as the family's social and financial situation.
In some appeal cases, the patient may already have low MediSave balances, or expect recurrent treatment in future years, and additional Medisave withdrawal may not be the only or the best solution. To ensure that these patients have enough MediSave for their future needs, we may instead refer such cases to Medical Social Workers for other forms of support, such as MediFund. For cases that are likely to face more complicated and challenging social and financial issues, MOH may work with other agencies, such as MSF and HDB, to coordinate support for these patients.
In other cases, the patient may have sought unsubsidised care resulting in unexpectedly large bills. In such cases, we would encourage the patient to also work out alternative payment arrangements, such as payment through an instalment plan, instead of prematurely depleting their MediSave balances which would be needed in future.
As it takes time to obtain information and assess a patient's financial and clinical circumstances, it generally takes around one month to process an appeal after we have received it.
We will continue to review MediSave withdrawal limits and our healthcare financing schemes to ensure that they remain adequate and relevant. No Singaporean will be denied access to necessary and appropriate healthcare because of an inability to pay.