Medishield & Eldershield Quiz

20 Questions

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Medishield & Eldershield Quiz


Questions and Answers
  • 1. 
    Which ward type is MediShield Life targeted at?
    • A. 

      Private hospitalisation

    • B. 

      A

    • C. 

      B1

    • D. 

      B2/C

    • E. 

      All ward types

  • 2. 
    MediShield Life does not cover the other ward types.
    • A. 

      True

    • B. 

      False

  • 3. 
    What is deductible?
    • A. 

      It is the claimable amount that an insured needs to pay first in each policy year before any payout from MediShield Life

    • B. 

      It is the amount that is set aside in a policy year for outpatient claims

    • C. 

      It is the amount that Integrated Shield plan holders must pay first in each policy year before any payout from MediShield Life

  • 4. 
    Deductibles are higher for members who are age 81 and above because of______________ and______________ in old age.
    • A. 

      Pre-funding, higher premium

    • B. 

      Higher incidence, cost of healthcare treatments

    • C. 

      Unnecessary treatments, to limit claims

  • 5. 
    What is co-insurance?
    • A. 

      It is the percentage of the claimable amount that MediShield Life will cover after applying the deductible

    • B. 

      It is the percentage of the claimable amount that the insured who is covered under Integrated shield plan will need to pay before their private insurer pays

    • C. 

      It is the percentage of the claimable amount that you need to co-pay after applying the deductible before MediShield Life pays

  • 6. 
    How long is a member being eligible for MediShield Life premium subsidies?
    • A. 

      For as long as you meet the criteria

    • B. 

      5 years

    • C. 

      4 years

  • 7. 
    Are premium subsidies applicable to members who have an approved Integrated Shield Plan?
    • A. 

      Premium subsidies are applicable on your Integrated Shield plan component if you fulfil the criteria to qualify for premium subsidies

    • B. 

      Premium subsidies are applicable on the MediShield Life component of the Integrated Shield Plan provided the member fulfil the criteria to qualify for premium subsidies

    • C. 

      Member with Integrated Shield Plan do not enjoy any premium subsidies even if they fulfil the criteria to qualify for premium subsidies

  • 8. 
    Who can qualify for Additional Premium Support?
    • A. 

      Insured who are owing the MediShield Life premium for more than 3 months

    • B. 

      Insured who are overseas & cannot benefit from MediShield Life

    • C. 

      Insured who are needy with limited family support and unable to afford the premiums even after Government subsidies

  • 9. 
    What is Standard Integrated Shield Plan?
    • A. 

      It is a private insurance plan targeted at covering large hospital bills and selected outpatient treatments at the class B2 level

    • B. 

      It is a private insurance plan targeted at covering large hospital bills and selected outpatient treatments at the class B1 level

    • C. 

      It is a private insurance plan targeted at covering large hospital bills and selected outpatient treatments at both the class B1 & B2 level

  • 10. 
    What are the eligibility criteria for the suspension of MediShield Life premium collection?   i) Member has to be Singapore Permanent Resident ii) Member has made a declaration that he/she has adequate means to meet healthcare needs in country of residence and do not need to rely on MediShield Life iii) Member has completed full-time National Service (NS) or not required by MINDEF to serve full-time NS for males above 13 years old iv) Member resided outside Singapore for the past 5 years prior to application (i.e. in Singapore for no more than 140 days over the 5-year period) and possess a valid Citizenship/Permanent Residency permit in the country of residence
    • A. 

      I and ii

    • B. 

      I, ii and iii

    • C. 

      Ii, iii and iv

    • D. 

      I, ii, iii and iv

  • 11. 
    What is ElderShield for?
    • A. 

      To provide a life time payout to the insured after age 65

    • B. 

      To provide basic financial protection to those who need long-term care due to severe disability

    • C. 

      To help the insured save for future medical expenses, especially during retirement

    • D. 

      To help the insured pay for large hospital bills and selected costly outpatient treatments

  • 12. 
    Eligible members will receive the ElderShield welcome package by post from their assigned insurer, ___ months before their ___ birthday.
    • A. 

      3; 65th

    • B. 

      3; 30th

    • C. 

      3; 40th

  • 13. 
    What is Severe disability?
    • A. 

      Severe disability is the inability of an individual to perform three or more Activities of Daily Living (ADLs) independently with or without mobility aids.

    • B. 

      Severe disability is the inability of an individual to perform one or more Activities of Daily Living (ADLs) independently with or without mobility aids.

    • C. 

      Severe disability is the inability of an individual to perform five or more Activities of Daily Living (ADLs) independently with or without mobility aids.

  • 14. 
    How can a member opt out of ElderShield when he received the ElderShield package?
    • A. 

      Call CPF hotline to opt out

    • B. 

      Use the online service at CPFB website

    • C. 

      Complete the opt out form enclosed in the ElderShield package and send it back to the assigned insurer within the given grace period before coverage starts

  • 15. 
    How can a member pay for their ElderShield coverage?
    • A. 

      Only in cash directly to their insurer

    • B. 

      Premium will be deducted from their Ordinary account or the Ordinary account of their family member

    • C. 

      Premium will be deducted from their Special account or the Special account of their family member

    • D. 

      Premium is automatically deducted from their MediSave. However, if their MediSave is insufficient, the premium can be deducted from their family members MediSave with their approval or in cash directly to their insurer 

  • 16. 
    I will only pay for my ElderShield premiums to age __ and it will be covered for the rest of my life.
    • A. 

      80

    • B. 

      67

    • C. 

      65

    • D. 

      75

  • 17. 
    Your ElderShield premiums does not increase with age.
    • A. 

      True

    • B. 

      False

  • 18. 
    The premiums of ElderShield Supplements can be paid using your MediSave savings, up to a limit of ­­­­­­____ per year per insured person.
    • A. 

      300

    • B. 

      400

    • C. 

      500

    • D. 

      600

  • 19. 
    Do you need an existing ElderShield plan to purchase Supplement plans?
    • A. 

      Yes

    • B. 

      No

  • 20. 
    Your ElderShield Supplement insurer has to be the same as your basic ElderShield insurer.
    • A. 

      True

    • B. 

      False

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