{"id":13713,"date":"2021-03-31T04:45:00","date_gmt":"2021-03-31T04:45:00","guid":{"rendered":"https:\/\/eodishasamachar.com\/en\/2021\/03\/31\/life-insurance-association-singapore-industry-response-to-position-statement-on-integrated-shield-plans-ips-by-the-singapore-medical-association-sma-focus-needs-to-be-on-identifying-the-best-wa\/"},"modified":"2021-03-31T04:45:00","modified_gmt":"2021-03-31T04:45:00","slug":"life-insurance-association-singapore-industry-response-to-position-statement-on-integrated-shield-plans-ips-by-the-singapore-medical-association-sma-focus-needs-to-be-on-identifying-the-best-wa","status":"publish","type":"post","link":"https:\/\/eodishasamachar.com\/en\/2021\/03\/31\/life-insurance-association-singapore-industry-response-to-position-statement-on-integrated-shield-plans-ips-by-the-singapore-medical-association-sma-focus-needs-to-be-on-identifying-the-best-wa\/","title":{"rendered":"Life Insurance Association, Singapore: Industry response to Position Statement on Integrated Shield Plans (IPs) by the Singapore Medical Association (SMA): Focus needs to be on identifying the best way forward together for the benefit of Singaporeans"},"content":{"rendered":"

\n<\/p>\n

\n <\/p>\n

SINGAPORE –\u00a0Media OutReach<\/a>\u00a0– 31 March
\n2021 – Integrated Shield Plans (IPs) impact most Singaporeans and IP
\ninsurers have been implementing various measures to manage IP costs
\nappropriately and without compromising needed medical care for policyholders.
\nThe main objective of the recommendations put forth by the Health Insurance
\nTask Force (HITF) in 2016[1]<\/a>
\nwas to bring down the rate of claims cost inflation so that premium increases
\ncan be moderated and kept sustainable. All recommendations by the Task Force
\nhave since been implemented.[2]<\/a><\/p>\n


\n <\/p>\n

It is
\nthe responsibility of all parties involved to be proactive and work
\ncollaboratively to ensure the continued accessibility of quality healthcare in
\nSingapore. <\/p>\n


\n <\/p>\n

Greater
\ntransparency required from all parties <\/u><\/b><\/p>\n


\n <\/p>\n

We
\nagree that greater transparency will provide more clarity on this matter. <\/p>\n


\n <\/p>\n

On this
\nend, we recently concluded an update of the LIA Singapore guidelines on panel management.
\nThis includes guidance that IP insurers should explain the criteria for
\nselection of panel doctors and is publicly available on the LIA Singapore
\nwebsite[3]<\/a>.
\n\u00a0<\/p>\n


\n <\/p>\n

Equally,
\nwe urge SMA to respond to our repeated calls for greater transparency too. LIA
\nSingapore has requested for clinical quality measures and guidelines to prevent
\nover-treatment on numerous occasions. We ask that SMA respond promptly and
\npositively on this. <\/p>\n


\n <\/p>\n

Clinical
\nquality measures will enable insurers to make better, evidence-based decisions
\non admitting doctors into panels. Policyholders will ultimately benefit because
\nthey will receive better care.<\/p>\n


\n <\/p>\n

Expanding
\npanels to include all private specialists may result in the need for further
\npremium increases <\/u><\/b><\/p>\n


\n <\/p>\n

IP
\npanels have been implemented for several years now and are not completely new
\nto the IP market. Panels have expanded over time, and LIA Singapore’s guidance
\nto IP insurers is that panels should be sufficient to offer a wide range of
\nmedical services to policyholders. IP insurers have an interest in ensuring
\nthat their panels are comprehensive as this increases panel usage, which helps
\ninsurers better manage costs.<\/p>\n

SMA is
\nstrongly advocating for panels to be expanded to include all private
\nspecialists in Singapore, and for all panel doctors to be compensated up to the
\nupper bounds of the MOH fee benchmark range. This needs to be carefully
\nconsidered as tradeoffs are involved.<\/p>\n

The average
\nratio of upper bound to lower bound for surgeon fee benchmarks is 1.8[4]<\/sup><\/sup><\/a>. As
\nsuch, proceeding per SMA’s suggestion without calibration may lead to cost
\nincreases and further premium increases for policyholders.<\/p>\n


\n <\/p>\n

Striking
\nthis balance is critical, and we invite SMA for a discussion on how this can be
\ndone in a way that will not disproportionately burden policyholders with higher
\npremiums. <\/p>\n


\n
\n
\n <\/p>\n

Misleading
\nanalysis should be avoided<\/u><\/b><\/p>\n


\n <\/p>\n

It is
\nimportant that organisations put out objective analyses which avoid biased
\nconclusions. <\/p>\n


\n <\/p>\n

In this
\nregard, we find SMA’s analysis of insurers’ costs and claims costs to be
\nmisleading. Claim increases are the main driver of premium increases. LIA
\nSingapore will fully address this in due course, along with more detailed
\ncomments on the rest of SMA’s position statement.<\/p>\n


\n <\/p>\n

Importance of collaboration to achieve our shared goal of affordable,
\nquality healthcare for Singaporeans <\/u><\/b><\/p>\n


\n
\n
\n <\/p>\n

Our
\ncollective priority must be to focus on finding the best ways to achieve a
\ncommon goal for the benefit of Singaporeans.<\/p>\n


\n <\/p>\n

LIA
\nSingapore has always pursued an open, discussive and constructive dialogue to
\nreceive feedback and resolve potential issues. Updating of the abovementioned
\nLIA guidelines on panel doctor and, previously, the standard LIA
\nPre-Authorisation Form[5]<\/a>
\nbased on SMA’s inputs were also actioned on swiftly.<\/p>\n


\n <\/p>\n

Accordingly,
\nwe look forward to greater collaboration amongst all parties with the formation
\nof a trilateral committee, comprising LIA Singapore, SMA and the Academy of
\nMedicine, Singapore already set up by the Ministry of Health (MOH) to discuss
\nand resolve IP-related issues, and to refine the implementation of HITF
\nrecommendations together in a constructive manner. <\/p>\n


\n
\n
\n <\/p>\n

Appendix 1: Summary of HITF recommendations <\/u><\/p>\n


\n <\/p>\n

\u00a0<\/p>\n


\n <\/p>\n\n\n\n\n\n\n\n\n\n
<\/p>\n

Recommendations<\/b><\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Impact on Stakeholders <\/b><\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Introducing Medical
\n Fee Benchmarks or Guidelines<\/u><\/b><\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To have a set of
\n medical fee benchmarks or guidelines to provide a range of professional fees.
\n Benchmarks or guidelines should be calibrated to ensure the appropriate involvement
\n and adoption by stakeholders<\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To address the
\n issue of information asymmetry by providing stakeholders access to
\n information on appropriate charges<\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To mitigate cases
\n of over-charging by providers<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Consumers (or
\n Patients)<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Provides an
\n approximation of charges and allows consumers to manage their personal
\n healthcare financing<\/p>\n

<\/p>\n

Healthcare
\n Providers<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Enhances the
\n financial counselling process conducted by healthcare providers as consumers
\n are aware of the possible charges<\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Provides greater
\n transparency on charges to promote trust and to improve the patient-doctor
\n relationship<\/p>\n

<\/p>\n

\u00a0<\/p>\n

<\/p>\n

Payers (IP
\n insurers)<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Provides a
\n reference for insurers to review size of claims and develop appropriate
\n product features (e.g. charges are within claim limits)<\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Addresses cases of inflated
\n claims<\/p>\n

<\/p>\n

\u00a0<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Clarification on
\n Existing Process to Surface Inappropriate Medical Treatment<\/u><\/b><\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To clarify the
\n existing escalation process which allows insurers to raise cases of
\n inappropriate and excessive medical intervention to the relevant authorities<\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To clarify on the
\n practices amongst insurers when dealing with such claims so as to minimise
\n the impact on policyholders whose cases are subject to investigation <\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To increase
\n awareness of the existing avenue for insurers to raise cases of inappropriate
\n and excessive medical intervention noted in their review of claims<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Consumers (or
\n Patients)<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Ensures impact on
\n policyholders’ claims is managed by insurers<\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Provides assurance
\n of a robust and accountable process when claims are denied on the basis that
\n treatments were not medically necessary <\/p>\n

<\/p>\n

\u00a0<\/b><\/p>\n

<\/p>\n

Healthcare
\n Providers<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Emphasises the
\n importance of providing medically necessary treatment and discourages medical
\n professionals from malpractices<\/p>\n

<\/p>\n

\u00a0<\/b><\/p>\n

<\/p>\n

Payers (IP
\n insurers)<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Provides greater
\n clarity and awareness of the escalation process<\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Allows insurers to
\n play a more active role in supporting medically necessary treatments<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Enhancing Insurance
\n Procedures and Product Features<\/u><\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0
\n Panel of Preferred Healthcare Providers<\/b><\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To suggest that
\n insurers consider the use of preferred healthcare provider panels, where
\n appropriate, to manage medical costs through fee agreements. IP insurers
\n should make clear to their customers that their choice of healthcare
\n providers is not restricted by the existence of the panels, although the
\n coverage may be affected<\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To enhance and
\n ensure transparency of the arrangement (e.g. disclosures on the healthcare
\n provider selection process)<\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To suggest that insurers
\n consider, during the appointment of preferred healthcare providers, TPAs, and
\n intermediaries, whether their fee arrangements are in line with SMC’s
\n ECEG\u00a0 <\/b><\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Consumers (or
\n Patients)<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Provides assurance
\n that charges by panel healthcare providers are appropriate and
\n correspondingly, out-of-pocket costs in the form of deductible and
\n co-insurance are appropriate<\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Provides clarity on
\n the potential implications of using a non-panel healthcare provider in terms
\n of making insurance claims<\/p>\n

<\/p>\n

\u00a0<\/b><\/p>\n

<\/p>\n

Healthcare
\n Providers<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Emphasises the
\n importance of providing required standard of care to patients and discourages
\n medical professionals from fee arrangements that may influence the
\n objectivity of their clinical judgement in their management of patients<\/p>\n

<\/p>\n

\u00a0<\/b><\/p>\n

<\/p>\n

Payers (IP
\n insurers)<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Encourages insurers
\n to influence their preferred healthcare providers, TPAs, and intermediaries
\n to have fee arrangements with medical professionals that are in line with
\n SMC’s ECEG<\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Ensures leakage of
\n claims costs is minimised as claims are based on agreed medical fee charges
\n and treatment<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Enhancing Insurance
\n Procedures and Product Features<\/u><\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0
\n Co-insurance & Deductibles <\/b><\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To encourage
\n insurers to include co-insurance and\/or deductible features in product design
\n to ensure consumers’ interest are aligned with managing healthcare costs<\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To address the
\n risks of overconsumption due to poor product features<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Consumers (or
\n Patients)<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Encourages
\n consumers to play a more active role in managing their medical care costs<\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Encourages
\n consumers to be more responsible for their lifestyle habits<\/p>\n

<\/p>\n

\u00a0<\/b><\/p>\n

<\/p>\n

Healthcare
\n Providers<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Increases pressure
\n to provide medically effective and cost efficient treatment<\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Encourages
\n communication between consumer and healthcare provider on type and cost of
\n medical care recommended and, improves the patient-doctor relationship<\/p>\n


\n <\/p>\n

Payers (IP
\n insurers)<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Aligns product
\n features with consumers’ interest for long term sustainability of IP premiums<\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Ensures better
\n claims cost management<\/p>\n

<\/p>\n

\u00a0<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Enhancing Insurance
\n Procedures and Product Features<\/u><\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0
\n Pre-approval of Medical Treatment<\/b><\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To encourage
\n insurers to approve claims for medical treatment and estimated bill size
\n prior to the actual procedure, which provides certainty to patients on what
\n can be claimed from their insurance policy<\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To address the
\n risks of inappropriate treatment and high medical charges<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Consumers (or
\n Patients)<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Provides a peace of
\n mind as policyholders know their procedure is within insurance coverage when
\n actual treatment is sought<\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Protects consumers
\n as insurers would not endorse and providers are unlikely to recommend
\n procedures that are not medically necessary<\/p>\n

<\/p>\n

\u00a0<\/b><\/p>\n

<\/p>\n

Healthcare
\n Providers<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Decreases disputes
\n with payers and consumers over medical treatment and bills<\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Encourages greater
\n communication between payer and provider<\/p>\n

<\/p>\n

\u00a0<\/b><\/p>\n

<\/p>\n

Payers (IP
\n insurers)<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Provides greater
\n control over cost of medical bills<\/p>\n

<\/p>\n

\u00a0<\/b><\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Educating Consumers<\/u><\/b><\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To educate the
\n public on the available options, such as the types of hospitals and wards,
\n and the corresponding costs of their medical treatments<\/p>\n

<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n To address the issue of
\n information asymmetry by ensuring information on medical charges is readily
\n accessible and easily comprehensible by consumers<\/b><\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Consumers (or
\n Patients)<\/b><\/p>\n

<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0
\n Educates consumers
\n to assess the available information and make informed healthcare choices<\/p>\n

<\/p>\n

\u00a0<\/b><\/p>\n

\n <\/td>\n


\n <\/tr>\n<\/tbody>\n<\/table>\n


\n <\/p>\n

Appendix 2: Health Insurance Task Force
\ncomposition <\/u><\/p>\n


\n
\n
\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
<\/p>\n

Name<\/b><\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Designation<\/b><\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Ms
\n Mimi Ho<\/p>\n

<\/p>\n

(Chairman)<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Principal,
\n Regulatory Professionals Pte Ltd<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Dr
\n Khoo Kah Siang<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

President,
\n Life Insurance Association, Singapore<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Mr
\n Richard Wyber<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Deputy
\n Convenor, Health Insurance Subcommittee, Life Insurance Association,
\n Singapore<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Mr
\n Lim Biow Chuan<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

President,
\n Consumers Association of Singapore<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Mr
\n Seah Seng Choon<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Executive
\n Director, Consumers Association of Singapore<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Dr
\n Wong Tien Hua<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

President,
\n Singapore Medical Association<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Dr
\n Wong Chiang Yin<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Council
\n Member, Singapore Medical Association<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Mr
\n Chin Chee Kiat<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Director
\n (Finance Policy), Ministry of Health, Singapore<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Ms
\n Jasmin Lau<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Deputy
\n Director (Finance Policy), Ministry of Health, Singapore<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Ms
\n Lee Keng Yi<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Director
\n & Department Head (Insurance), Monetary Authority of Singapore<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Ms
\n Tan Siew Yen<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Director
\n & Division Head (Insurance), Monetary Authority of Singapore<\/p>\n

\n <\/td>\n


\n <\/tr>\n<\/tbody>\n<\/table>\n


\n <\/p>\n

Industry
\nexperts:\u00a0 <\/b><\/p>\n


\n <\/p>\n\n\n\n\n\n
<\/p>\n

Name<\/b><\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Designation<\/b><\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Dr
\n Leow Yung Khee<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Head
\n of Group Insurance and Claims, The Great Eastern Life Assurance Company
\n Limited and The Overseas Assurance Corporation Limited<\/p>\n

\n <\/td>\n


\n <\/tr>\n

<\/p>\n

Mr
\n Martin Ho<\/p>\n

\n <\/td>\n

<\/p>\n

 <\/p>\n

Chief
\n Administrator, Singapore Medical Association<\/p>\n

\n <\/td>\n


\n <\/tr>\n<\/tbody>\n<\/table>\n


\n <\/p>\n

Appendix 3: HITF
\nTerms of reference<\/u><\/p>\n


\n
\n
\n <\/p>\n

To
\nrecommend measures to bring about moderation in the escalation of health
\ninsurance premiums in Singapore, including, but not limited to:<\/p>\n


\n
\n
\n <\/p>\n

*\u00a0\u00a0\u00a0\u00a0\u00a0 Measures
\nthat increase the transparency of health services charging;<\/p>\n


\n <\/p>\n

*\u00a0\u00a0\u00a0\u00a0\u00a0 Measures
\nconducive to the provision of appropriate care at appropriate cost by
\nhealthcare professionals; and<\/p>\n

*\u00a0\u00a0\u00a0\u00a0\u00a0 Educational
\nmeasures to help consumers make prudent choices of health services, and to
\nraise the awareness of healthcare providers of measures conducive to the
\nprovision of appropriate care at appropriate cost.<\/p>\n

\n
\n
\n

[2]<\/b><\/i><\/a> Refer to
\nAppendices \u00a0for a summary of the HITF
\nrecommendations and members of the Task Force, Task Force composition, and HITF
\nTerms of Reference. Information extracted from the Report<\/i><\/p>\n<\/div>\n<\/div><\/div>\n\n
Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

SINGAPORE –\u00a0Media OutReach\u00a0– 31 March 2021 – Integrated Shield Plans (IPs) impact most Singaporeans and IP insurers have been implementing various measures to manage IP costs appropriately and without compromising needed medical care for policyholders. The main objective of the recommendations put forth by the Health Insurance Task Force (HITF) in 2016[1] was to bring …<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[60],"tags":[],"_links":{"self":[{"href":"https:\/\/eodishasamachar.com\/en\/wp-json\/wp\/v2\/posts\/13713"}],"collection":[{"href":"https:\/\/eodishasamachar.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eodishasamachar.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eodishasamachar.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/eodishasamachar.com\/en\/wp-json\/wp\/v2\/comments?post=13713"}],"version-history":[{"count":0,"href":"https:\/\/eodishasamachar.com\/en\/wp-json\/wp\/v2\/posts\/13713\/revisions"}],"wp:attachment":[{"href":"https:\/\/eodishasamachar.com\/en\/wp-json\/wp\/v2\/media?parent=13713"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eodishasamachar.com\/en\/wp-json\/wp\/v2\/categories?post=13713"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eodishasamachar.com\/en\/wp-json\/wp\/v2\/tags?post=13713"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}