Things which you must know

Haiyo! Lately I’m so fearful of calls from my clients. So many bad news. =(

One called up to make a death claim, which I’ve mentioned earlier on. Cause: Pancreatic Cancer. Eh I re-read then realised something is very wrong with previous sentence. Okie. I meant the husband of my deceased client called up to make the claim, not the deceased herself.

Haiz! When I looked through her medical report, bills and all that, it’s really disheartening. Previously she was at Tan Tock Seng Hospital where she received chemotherapy treatment. Initially, at stage 2, per chemo session is $1500. She had 15 sessions of that, which came up to $22,500. She was better for a while….until the doctor advised her for stronger chemo at a later stage…at $3000 per session. She only went for a few sessions before she gave up going altogether…as it was costly as well as unbearable…because she kept vomiting. =( Nevertheless, her chemo sessions had came up to total of more than S$30,000.

Looking at her last bills, she has switched to Mount Elizabeth. And for her 9 days there, bill had came up to S$28,965.06 instead of the estimated S$16,000+.

Amount claimed from her company: S$231.03.
Amount claimed from MEDISHIELD: 1,922.50.

Payment from MEDISAVE: S$8,600.00
Balance to be paid by CASH.

Oh for your info, there’s a limit on how much you can use your MEDISAVE for your bills, DESPITE THE FACT THAT IT’S OUR MONEY FROM THE START. Hng! So the balance has to be paid by CASH.

I’ll just paste it here for the benefit of all.

Medisave can be claimed only if the patient stays in the hospital for at least 8 hours (unless the patient is admitted for day surgery).

The claim limits are as follows:

* Medical / surgical inpatient cases
S$450 per day for daily hospital charges. This includes a maximum of S$50 for doctor’s daily attendance fees.

* Approved day surgeries
Up to S$300 per day for daily hospital charges for surgeries done

* Surgical operations (inpatient and day surgery)
A fixed limit – depending on the complexity of the operation – according to the table of surgical operation, as given below :

table1

# Psychiatric treatment
Up to S$150 per day for the daily hospital charges including a maximum of S$50 for the doctor’s daily attendance fees, subject to a maximum of S$5,000 a year for treatment received

# Stay in approved community hospitals
Up to S$150 per day for the daily hospital charges including a maximum of S$30 for the doctor’s daily attendance fees, subject to a maximum of S$3,500 a year

# Stay in approved convalescent hospitals
Up to S$50 per day for the daily hospital charges including a maximum of S$30 for the doctor’s daily attendance fees, subject to a maximum of S$3,000 a year

# Stay in approved hospices
Up to S$160 per day for the daily hospital charges including a maximum of S$30 for the doctor’s daily attendance fees

# Day Rehabilitation at Senior Citizens Health Care Centers
Up to S$20 per day for day rehabilitation charges, subject to a maximum of S$1,500 a year

# Inpatient medical treatment in approved day hospitals
Up to S$150 per day, including a maximum of S$30 for the doctor’s daily attendance fees, subject to a maximum of S$3,000 per year.

# Outpatient treatments of approved chronic diseases
* Up to S$300 per Medisave account a year (subject to S$30 deductible and 15% co-payment by patient) for diabetes

* Up to S$300 per Medisave account a year (subject to S$30 deductible and 15% co-payment by patient) for hypertension, lipids disorders or stroke

* Up to S$300 per Medisave account a year (subject to S$30 deductible and 15% co-payment by patient) for asthma or chronic obstructive pulmonary disease (COPD) (with effect from 1st April 2008)

# Renal dialysis treatment (Only the patient’s Medisave may be used. For patients age of 18 and below, the parents’ Medisave may be used)

* S$450 a month

# Radiotherapy for cancer patients

* For External Therapy, S$80 per treatment
* For Brachytherapy with external radiotherapy, S$300 per treatment
* For Brachytherapy without external radiotherapy, S$360 per treatment
* For Superficial X-Ray, S$30 per treatment
* For Stereotactic radiotherapy, S$2,800 per treatment

# Chemotherapy for cancer patients
Includes analgesic medication and suppressive treatments (neuro-endocrine and nuclear medicine treatments).

* S$300 for 7-day treatment cycle or S$1,200 for 21/28-day treatment cycle

ETC. (Please refer to website)

I dont see why there should be a limit when health condition is critical. It might be the LAST chance to use medisave already. And FYI, it’s IMPOSSIBLE to withdraw MEDISAVE. You only can use it TO PAY for your own hospital bills or else your family members’ bills. Cant withdraw out to use one. If die leh? Okie lor, then let you transfer to your family member. Otherwise, dont even dream of touching your money. Stupid GOVT.

You know it’s so sad to…to think/know that there’s low chance of recovery even with lots of chemo..and it’s very helpless and…antagonizing to stop the treatments because of the high cost and unbearable misery… It’s like totally..giving up life! One shouldnt give up life no matter what! But we know it’s easier said than done. Total expenditure came up to around S$60,000 but still…she left…

She left earlier than I’ve expected…It’s only 1 year plus upon her diagnosis. I wonder will she have survive longer if she undergo the advanced chemo sessions. Sigh.

Sometimes some people say major illness protection are useless as it’s difficult to cure cancer. Ultimately one will go…despite how many treatments he/she undergo..and after one passed on, how much wealth is redundant. But, the point is, you have the CHOICE to gamble with fate by using MONEY given by a 3rd party, to give a try whether you can change your destiny. Miracles are not impossible, it depends whether you believe in them.

And at least one need not feel guilty is the whole bill is being paid for by insurance instead of using own’s or spouse’s savings. If one is really restless to carry on…fine..the money can be left for the family and kids. Okie, you’re single, with no kin whatsoever…but you think funeral no need money? Hell, you need money for every single thing in Singapore.

So,
1) Stop thinking that MEDISHIELD is enough
2) Stop thinking that MEDISAVE can be used to pay for ALL your medical bills
3) Stop thinking that your company group insurance is enough
4) Stop thinking that the government will step in to help

They’re simply not enough.

I cant harp enough of that.

For major illness, to be really sufficient, you need at least S$250,000. Because after you fell sick, you cant work anymore. Besides from regular treatment sessions and operations, there’s a need to cater for living expense for oneself, and more so if one is a breadwinner. E.g, for the spouse and kids.

Then, another client of mine called up, to tell me he’s hospitalized. Appendix, but it’s 慢性 one. Haiz. He’s a long-time client of mine. Our usual corporate florist has increased their prices, hence I searched online for cheaper ones. And I was appalled at the pricing. (=.=)”” A simple fruit basket costs more than S$50. I dont mind a $50 hamper if they’re really worth it but looking at the sparse amount of fruits…really not worth it loh.

All costs $48 after GST. Chop carrots ah…few apples and oranges and 1 bunch of grapes want $50. =P

But finally I found 1 which is better.


Flowers with 6 bottles of bird’s nest with white fungus & rock sugar & 3 bottles of essence of chicken.

Ya lah no fruits inside, but definitely more worth it than others mah, since they’re the same price. While I’m browsing, I thought of sending Mummy some flowers too at her office because she’s sick. But looking at the prices made me sian 1/2.


Few stalks of roses + 1 stupid-looking bear, after GST is $48+.


Few stalks of tulips, also $48+


ZzZz Around $45 maybe

And they’re supposed to be best buy leh!

It’s either I’m damn sua-gu or inflation is getting real bad now. Or both. Why I never know bouquets are so expensive leh? Oh man..I should have really appreciate all those bouquets I had before while they’re alive. Especially tulips, they’re so much more expensive than roses! I wonder how much will 30 stalks of tulips cost like 5 years ago?

No wonder dearie has cut down on bouquets for me le. =(

Of course if I have the time, I will use that money, put it to better use and bring it down myself. But no time loh, I still got to go office later to settle another client’s death claim and do some work.

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