新加坡华语资料库

本资料库收录了具有文化、历史或情感意义的华语词汇。这些词汇是新加坡人过去或现在的生活用语，有的见于印刷媒体，有的则在日常对话中使用。

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拼音索引

终

zhōng

身

shēn

健

jiàn

保

bǎo

MediShield Life

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MediShield Life

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释义

名词

一份由新加坡政府提供给所有公民和永久居民的终身医疗保险。

DEFINITION

Noun

A lifetime medical insurance provided by the Singapore Government to all citizens and permanent residents.

由来
  • 英语 "MediShield Life" 的意译。
  • 为帮助患上重病或长期疾病，但保健储蓄（MediSave）不足以支付医疗费用的国人，新加坡政府于 1990 年推出健保双全（MediShield）计划。
  • 2013 年，总理李显龙在国庆群众大会上提出将健保双全升级成终身健保双全。同年 11 月，卫生部任命终身健保独立检讨委员会（MediShield Life Review Committee）审查终身健保的参数并主持公众咨询活动。
  • 2015 年 11 月 1 日，政府推出终身健保，取代了健保双全。
  • 健保双全与终身健保的主要差别包括：
  1. 健保双全仅为 90 岁以下的新加坡公民和永久居民受保，但终身健保无受保的年龄顶限。
  2. 健保双全下的终身索偿顶限是新币 300,000 元，但终身健保则无终身索偿顶限。
  3. 健保双全的年度保单索偿限额为新币 70,000 元，但终身健保的年度保单索偿限额为新币 100,000 元。
  • 2018 年，为了审查终身健保的管理并确保其符合政策意图，终身健保理事会（MediShield Life Council）正式成立。
  • 2021 年 3 月，终身健保年度保单索偿限额总额增加到新币 150,000 元。终身健保保费提高 35%，政府也将为受益人在 2021 年之后的三年提供新币二十二亿元的终身健保保费津贴（MediShield Life premium subsidies）。
  • 终身健保保费津贴包含现有为中低收入家庭、建国一代（Pioneer Generation）、立国一代（Merdeka Generation）的年长人士，以及有经济困难的人们提供津贴和其他辅助措施。
ETYMOLOGY
  • The Mandarin term “终身健保” is a paraphrase of the English term “MediShield Life”.
  • The Singapore Government launched MediShield in 1990 to help Singaporeans who suffer from serious or chronic illnesses but whose MediSave funds were insufficient to pay for their medical expenses.
  • In 2013, Prime Minister Lee Hsien Loong proposed upgrading MediShield to MediShield Life at the National Day Rally. In November of the same year, the Ministry of Health appointed the MediShield Life Review Committee to review the parameters of MediShield Life and conduct public consultations.
  • On 1 November 2015, the Government launched MediShield Life, replacing Medishield.
  • The main differences between MediShield and MediShield Life are as follows:
  1. Medishield only covered Singapore citizens and permanent residents below the age of 90, while MediShield Life has no age limit.
  2. The lifetime claim limit under MediShield was S$300,000, while there is no lifetime claim limit under MediShield Life.
  3. The annual limit for policy claims under MediShield was S$70,000, while the annual limit for policy claims under MediShield Life is S$100,000.
  • In 2018, the MediShield Life Council was officially established to review the management of MediShield Life and ensure that it had met the policy goal.
  • In March 2021, the total annual limit for policy claims under MediShield Life was increased to S$150,000. MediShield Life premiums increased by 35%, and the Government would also provide S$2.2 billion in MediShield Life premium subsidies for three years after 2021.
  • The MediShield Life Premium Subsidies provide subsidies and other forms of assistance to low- and middle-income families, the Pioneer Generation, the Merdeka Generation, and those with financial difficulties.
例句
同时，终身健保的索偿范围也会扩大，每个保单年的索偿顶限将从目前的 10 万元上调至 15 万元。（《联合早报》，29/9/2020）
SAMPLE SENTENCE
At the same time, the coverage of MediShield Life will also be expanded, with the claim limit in each policy year increasing from the current $100,000 to $150,000. (Lianhe Zaobao, 29/9/2020)
参考资料
点击查看终身健保的参考资料
REFERENCES

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