CHAS is a scheme that enables middle to lower income Singaporeans, aged 40 and above or disabled*, to receive subsidies for medical care for chronic conditions and/or common illnesses as well as dental services at participating private General Practitioners (GPs) and dental clinics near their homes. Singaporeans who qualify for CHAS will receive a Health Assist card.
*Disability is defined as being unable to do any of the following six activities of daily living (ADLs) without assistance: washing/bathing, toileting, transferring, feeding, dressing, and mobility.
The following persons are eligible for CHAS:
Singapore citizens aged 40 and above, or disabled (i.e. unable to do any of the following six activities of daily living (ADLs) without assistance: washing/bathing, toileting, transferring, feeding, dressing, and/or mobility without assistance); and meet the following income criteria:
• Per capita household monthly income is $1,500 or below for economically active households; or• Annual Value (AV) of residence as reflected on NRICs is $13,000 or below for economically inactive households.
All family members (related by blood or marriage) living at the same address as the main applicant, as reflected on their NRICs, should include their details on the same application form as the main applicant. Their income would contribute towards the household’s per capita monthly income.
Members who are on Public Assistance (PA) scheme will also be eligible for CHAS subsidies.
CHAS covers the following:
• Common medical illnesses e.g. cold, cough, fever• Ten chronic conditions under the Chronic Disease Management Programme (CDMP):
o Asthmao Bipolar disordero Chronic Obstructive Pulmonary Diseaseo Dementiao Diabeteso Hypertensiono Lipid disorders e.g. high cholesterolo Major depressiono Schizophreniao Stroke
• Dental services e.g., dentures, root canal treatments and crowning.
There are 2 tiers of subsidy under CHAS, depending on the per capita household monthly income level of the cardholder.
CHAS Subsidy Tiers
Chronic conditionsunder CDMP
For those with per capitahousehold monthly income of $900 and below; ORHouseholds with noincome will be assessedby the Annual Value oftheir residence,which should be $13,000*and below
vUp to $18.50 per visit
vUp to $80 per visitSubject to annual cap^:Simple Chronic (Tier 1)- Up to $320 per calendar yearComplex Chronic (Tier 2) - Up to $480 per calendar year
vUp to $256.50per procedureper year
For those with per capitahousehold monthly incomeabove $900 but less than or equal to $1,500
vUp to $50 per visitSubject to annual cap^:Simple Chronic (Tier 1)- Up to $200 per calendar yearComplex Chronic (Tier 2)- Up to $300 per calendar year
vUp to $170.50 per procedureper year for selecteddental procedures(dentures, crowns, root canal treatment only)
vUp to $256.50per procedureper year
Explanatory Notes:* AV is the estimated annual rent of your property if it were to be rented out.^ Per year limit is dependent on the severity of patient’s chronic condition. Tier 1 patients have single disease, while Tier 2 patients have more than one chronic disease or disease(s) with complications
Why is there a need for 2 subsidy tiers?
Why is the per capita household monthly income cut-off set at $1,500 per household?
Any Singapore Medical Council-registered doctor can conduct the disability assessments. You are advised to check with the clinic prior to your visit, whether the doctor is willing and able to conduct the assessment. You may also wish to check on the fees charged. While the Functional Assessment Report can be endorsed by any Singapore Medical Council-registered doctor, a list of preferred medical assessors is available here for your convenience and reference.
Per capita household monthly income is derived by taking the total income of the household divided by the total number of family members in the household. E.g. $3,000 as total household income per month ÷ 4 family members = $750 as per capita household monthly income.
All family members (related by blood, marriage and/or legal adoption) living at the same address as the main applicant, as reflected on their NRICs, will be considered as part of the household.
The income of dependants below age 21 would not be considered in the derivation of per capita household monthly income, though they would be included in the tally of the number of members in the household.
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 within the last 2 assessment years; or b) The income declared to the 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.
MOH needs each family member’s consent, to retrieve their income data from CPF Board, in order to compute the per capita income of the household.
For family members who are mentally incapacitated and are unable to provide consent, we would need certification from any registered doctor about the person's status and inability to give signed consent. This family member will be taken into consideration when we tally the total household members. If any of your family members are not able to provide their consent for any other reason, please indicate in the application form the name of the family member and why he is unable to give consent. We will assess and liaise with you if further information is required.
Your application will be processed within 10 working days from the date of receipt of the completed application form with all supporting documents.
Can my Health Assist Card be shared with my family members?
No. The Health Assist card is non-transferable and cannot be shared or used by your family members. The Health Assist card must be produced together with your NRIC at every visit to the CHAS GP or dentist.
You should contact the CHAS hotline 1800-275-2427 immediately for a replacement card.
You will be given a list of participating GP and dental clinics when you receiveyour Health Assist Card.
The most updated list of participating clinics can also be found:-• www.chas.sg• www.moh.gov.sg (http://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 Card?
List price of components that make up the total bill
This is the amount of CHAS subsidy you are claiming for this visit
Amount due after deduction of CHAS subsidy
Medisave Deductible ($30)
This is the Deductible which you will need to pay.
Remainder (Patient Payable-Deductible)
This is how much balance after Deductible is removed from Patient Payable.
Co-payment (15% of Remainder)
This is the part of remainder which you will need to pay out-of-pocket.
This is how much you can claim from Medisave.
Total Out-of-pocket payment (2 components)
This is how much you will pay out-of-pocket at the time of consultation.
You are encouraged to see the same family doctor every time you are unwell so that the doctor can familiarise themselves with your personal and family's medical history. This will enable medical professionals to more 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, it is to be subjected to the annual subsidy cap (based on calendar year).
These guidelines have been put in place to ensure that patients with multiple visits are reviewed for potentially more serious underlying conditions which may require specialist or hospital care.
Who can I complain to if I am not happy with the treatment provided?
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 6pm, Monday through Friday (excluding Public Holidays).