Singaporean Mandarin Database

This database contains a collection of Mandarin terms which have cultural, historical or sentimental value unique to Singapore. These terms may be used by Singaporeans in the past or at present. Some of the terms are read in print while others are used in our everyday conversations.

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保

bǎo

健

jiàn

储

chǔ

蓄

xù

MediSave

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社会

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MediSave

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Photo courtesy of Ministry of Health
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社会

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释义

名词

一种法定由劳资双方存入的保健储蓄，可用来支付医疗费用。

DEFINITION

Noun

A national medical savings scheme where both employees and employers are legally required to make contributions, which can be used to pay for medical expenses.

由来
  • 为了响应政府的国家健保计划（National Health Plan），公积金局于1984年推出了保健储蓄（Medisave），做为公积金其中一项法定存入的户头。
  • 根据公积金局的规定，受雇职员与雇主必须定期缴交公积金。随着年龄的增长，职员和他们的雇主所需缴交的公积金百分比有所减少，但基本上存入保健储蓄户头的薪金仍保留在大约8至10.5%。
  • 政府为保健储蓄户头的金额设了最高金额的限制，在2019年1月1日，65岁和以下会员保健储蓄户头的最高顶限，也称基本保健存款（Basic Healthcare Sum, BHS）定于5万7200元，但这笔金额将每年参照医疗保健的费用而做出相应的调整。这方面的调整将不影响65岁以上的会员。
  • 保健储蓄的存款可用于会员的个人用途，也可用于支付家属的医疗费用。随着人们对医疗服务的需求有所增加，保健储蓄也可以用来支付各种不同的医疗费用，其中包括住院费、日间手术费和一些门诊费用等。
ETYMOLOGY
  • In response to the government’s National Health Plan, the Central Provident Fund (CPF) Board implemented the MediSave scheme in 1984, making MediSave account one of the mandatory deposit accounts for CPF savings.
  • According to the provisions of the CPF Board, employees and employers must contribute to the CPF savings on a regular (monthly) basis. With an increase in age, the percentage of the contribution required of employees and their employers will decrease accordingly, but the portion of an employee’s salary deposited into the MediSave account will remain between 8% to 10.5%.
  • The government has set a cap for the MediSave account balance. On 1 January 2019, the maximum balance that can be saved in the MediSave account (also known as Basic Healthcare Sum, BHS) for members aged 65 and below is set at $57,200. However, this amount is subject to yearly adjustment to keep pace with medical cost inflation. This adjustment will not affect members aged above 65.
  • The savings in MediSave can be withdrawn for the member’s personal use and can also be used to pay for their family members’ medical expenses. As there is a growing demand for medical services, MediSave can also be used to pay for various medical expenses, which includes hospitalisation, day surgery, and certain outpatient charges.
例句
公积金会员保健储蓄户头的存款顶限，将从明年起上调至5万7200元，增幅为2700元，这意味着会员得为医疗开销储蓄更多。（《联合早报》，16/11/2018）
SAMPLE SENTENCE
The cap of a CPF member's MediSave account balance will increase by $2,700 to $57,200 from next year onwards. This means that members are required to set aside more savings for medical expenses.（Lianhe Zaobao, 16/11/2018）
参考资料
点击查看保健储蓄的参考资料
REFERENCES

Click here to view references for MediSave

 

 

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