Medishield & Eldershield Quiz
- 1.
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
Correct Answer
C. 65Explanation
The correct answer is 65 because ElderShield premiums need to be paid until the age of 65. After that, the coverage will continue for the rest of the person's life without any further premium payments.Rate this question:
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- 2.
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
Correct Answer
C. Insured who are needy with limited family support and unable to afford the premiums even after Government subsidiesExplanation
The insured who can qualify for Additional Premium Support are those who are needy with limited family support and are unable to afford the premiums even after receiving government subsidies. This means that they have financial constraints and require additional assistance to afford the premiums for their insurance coverage.Rate this question:
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- 3.
Your ElderShield premiums does not increase with age.
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
ElderShield is a long-term care insurance scheme in Singapore that provides financial support for individuals who are unable to perform at least three out of six Activities of Daily Living (ADLs) due to old age or disability. The premiums for ElderShield are determined based on the individual's age at the time of enrollment and do not increase with age. This means that once enrolled, the premiums remain constant throughout the coverage period, regardless of how old the individual gets. Therefore, the statement that ElderShield premiums do not increase with age is true.Rate this question:
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- 4.
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
Correct Answer
B. It is a private insurance plan targeted at covering large hospital bills and selected outpatient treatments at the class B1 level -
- 5.
Which of the following statements best describes the difference between MediShield and ElderShield in Singapore's healthcare system?
- A.
MediShield is a basic health insurance plan for severe illnesses, while ElderShield is a disability insurance plan for the elderly.
- B.
MediShield is a comprehensive insurance plan covering all medical expenses, while ElderShield only covers hospitalization costs.
- C.
MediShield provides coverage for outpatient treatments, while ElderShield covers long-term care for the disabled.
- D.
MediShield is mandatory for all citizens, while ElderShield is optional and can be purchased by anyone.
Correct Answer
A. MediShield is a basic health insurance plan for severe illnesses, while ElderShield is a disability insurance plan for the elderly.Explanation
MediShield is a basic health insurance plan in Singapore that provides coverage for large hospital bills and certain outpatient treatments, primarily focusing on severe illnesses. On the other hand, ElderShield is a long-term care insurance scheme designed to provide financial support to the elderly in the event of severe disability, helping to cover costs associated with long-term care. ElderShield is targeted at individuals above the age of 40.Rate this question:
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- 6.
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
Correct Answer
D. 600Explanation
The correct answer is 600. ElderShield Supplements allow the premiums to be paid using MediSave savings. The maximum limit for the premiums that can be paid per year per insured person is 600.Rate this question:
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- 7.
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
Correct Answer
C. Ii, iii and ivExplanation
The eligibility criteria for the suspension of MediShield Life premium collection include the member making a declaration that they have adequate means to meet healthcare needs in their country of residence and do not need to rely on MediShield Life, completing full-time National Service (NS) or not being required by MINDEF to serve full-time NS for males above 13 years old, and having resided outside Singapore for the past 5 years prior to application and possessing a valid Citizenship/Permanent Residency permit in the country of residence.Rate this question:
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- 8.
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
Correct Answer
B. Higher incidence, cost of healthcare treatmentsExplanation
As individuals age, they are more likely to experience health issues and require medical treatments. This higher incidence of health problems among individuals aged 81 and above leads to an increased cost of healthcare treatments. To compensate for these higher costs, insurance companies may set higher deductibles for this age group. This helps to limit the claims made by older members and ensures that the insurance company can cover the expenses associated with their healthcare needs.Rate this question:
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- 9.
Do you need an existing ElderShield plan to purchase Supplement plans?
- A.
Yes
- B.
No
Correct Answer
A. YesExplanation
To purchase Supplement plans, it is necessary to have an existing ElderShield plan. This implies that one cannot purchase Supplement plans without first having an ElderShield plan in place.Rate this question:
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- 10.
Your ElderShield Supplement insurer has to be the same as your basic ElderShield insurer.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
The statement is false because there is no requirement for your ElderShield Supplement insurer to be the same as your basic ElderShield insurer. You have the flexibility to choose different insurers for these two types of coverage.Rate this question:
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- 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
Correct Answer
B. To provide basic financial protection to those who need long-term care due to severe disabilityExplanation
ElderShield is a program designed to provide basic financial protection to individuals who require long-term care due to severe disability. It aims to assist those who are unable to perform daily activities independently and require ongoing assistance and support. The program offers financial support to help cover the costs of long-term care services, such as nursing home care or home-based care. By providing this financial protection, ElderShield aims to alleviate the financial burden on individuals and their families when faced with long-term care needs.Rate this question:
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- 12.
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
Correct Answer
C. It is the percentage of the claimable amount that you need to co-pay after applying the deductible before MediShield Life paysExplanation
Co-insurance refers to the percentage of the claimable amount that the insured individual needs to pay out of pocket after the deductible has been applied, before MediShield Life pays the remaining amount. This means that the insured is responsible for a portion of the medical expenses, while MediShield Life covers the rest.Rate this question:
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- 13.
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
Correct Answer
A. It is the claimable amount that an insured needs to pay first in each policy year before any payout from MediShield LifeExplanation
The correct answer is the claimable amount that an insured needs to pay first in each policy year before any payout from MediShield Life. This means that before an insured individual can receive any benefits or payouts from MediShield Life, they must first pay a certain amount out of pocket. This deductible amount is set each policy year and must be paid by the insured before any claims can be made.Rate this question:
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- 14.
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
Correct Answer
C. 3; 40thExplanation
Eligible members will receive the ElderShield welcome package by post from their assigned insurer, 3 months before their 40th birthday. This means that individuals who are eligible for ElderShield will receive the welcome package three months prior to turning 40 years old. This package is likely to contain important information and instructions regarding their ElderShield coverage and benefits.Rate this question:
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- 15.
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
Correct Answer
A. For as long as you meet the criteriaExplanation
The correct answer is "For as long as you meet the criteria." This means that a member will be eligible for MediShield Life premium subsidies as long as they continue to meet the necessary requirements. There is no specific time limit mentioned, indicating that eligibility is ongoing as long as the criteria are fulfilled.Rate this question:
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- 16.
MediShield Life does not cover the other ward types.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
The statement is false because MediShield Life does cover other ward types. MediShield Life is a basic health insurance plan in Singapore that provides coverage for inpatient hospitalization expenses, including ward charges. It covers both subsidized and private hospital wards, allowing individuals to choose their preferred ward type. Therefore, the given statement is incorrect.Rate this question:
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- 17.
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.
Correct Answer
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.Explanation
Severe disability is defined as the inability of an individual to perform three or more Activities of Daily Living (ADLs) independently. ADLs refer to basic self-care tasks such as bathing, dressing, eating, toileting, transferring, and continence. This means that a person with severe disability requires assistance or support to carry out these essential activities. The mention of "with or without mobility aids" implies that even if the individual uses devices or aids to assist with mobility, if they still cannot perform three or more ADLs independently, they are considered to have severe disability.Rate this question:
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- 18.
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
Correct Answer
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 startsExplanation
To opt out of ElderShield after receiving the ElderShield package, the member must complete the opt-out form enclosed in the package and send it back to the assigned insurer within the grace period before coverage begins. This implies that the member must proactively take action to decline the coverage by submitting the opt-out form within the specified timeframe. Calling the CPF hotline or using the online service at the CPFB website are not mentioned as options for opting out in this explanation.Rate this question:
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- 19.
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
Correct Answer
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 insurerExplanation
Members can pay for their ElderShield coverage through automatic deduction from their MediSave account. If their MediSave balance is not enough to cover the premium, they can give approval for the premium to be deducted from their family members' MediSave account. Alternatively, they can also choose to pay in cash directly to their insurer.Rate this question:
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- 20.
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
Correct Answer
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 subsidiesExplanation
Premium subsidies are applicable to the MediShield Life component of the Integrated Shield Plan if the member meets the criteria to qualify for premium subsidies. This means that members who have an approved Integrated Shield Plan can receive premium subsidies for the MediShield Life portion of their plan, as long as they meet the eligibility requirements for these subsidies.Rate this question:
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Current Version
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Jul 16, 2024Quiz Edited by
ProProfs Editorial Team -
Jun 16, 2020Quiz Created by
Jialing0317
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