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Introduction To Means-Testing

Means-test is a method to calculate the subsidies you will receive from the government when you use care services. It ensures that patients from lower-income households receive more subsidies than those from higher-income households.

The means-test approach for MOH-funded Intermediate and Long-Term Care (ILTC) facilities such as Community Hospitals, nursing homes and day rehabilitation centres is based on Household Means-Testing.



What is Household Means-Testing?

It considers the household monthly income per person.

By family members living in the household, it refers to all related family members (i.e. related by blood, marriage or legal adoption) staying at the same residential address with the patient or care recipient, as indicated in their NRICs.

This includes in-laws, siblings, grandchildren, uncles, aunts, nephews, nieces, cousins, step and legally adopted children, among others.

By total monthly gross earnings, it refers to:

  • For salaried employees - average monthly employment income received over the last available 12-month period, including bonuses.
  • For self-employed: (a) the monthly income derived from the last available net trade income as assessed by the IRAS within the last two assessment years OR (b) the income declared to the CPF Board or the income assumed under the CPF laws within the last two years.


For households with no income, the annual value their residence will be considered instead. This situation could arise for instance, in the case of an elderly retired couple whose children have moved out into homes of their own.


Subsidy Rate for Residential Services

The calculated per capita monthly household income will determine the amount of subsidy eligible patients can receive. Besides means testing, the patient may also be required to meet other eligibility criteria (such as care assessments) to qualify for subsidies.

Here are the subsidy rates for the residential services based on the means-test outcome:



Table 1: Subsidies for Subsidised Wards in Community Hospitals

Per Capita Monthly Household Income Subsidy Rate*
Singapore Citizens Permanent Residents 
$0 - $700
75%50% 
$701 - $1,100
60%40%
$1,101 - $1,800
50%30%
$1,801 - $2,600
45%25%
$2,601 - $3,100
40%20%
$3,101 and above
20%10%

*Subsidy applies to patients in six- or eight-bedded wards only.



Table 2: Subsidies for Residential Services (except Community Hospitals)

Per Capita Monthly Household Income ​​ Subsidy Levels​
Singapore ​Citizens  Permanent Residents 
$0 - $700
75%50% 
$701 - $1,100
60%40%
$1,101 - $1,600
50%30%
$1,601 - $1,800
40%20%
$1,801 - $2,600
20%10%
$2,601 and above
0%0%

*This applies to Chronic Sick Hospitals, Inpatient Hospices, VWO Nursing Homes, Private Nursing Homes on Portable Subsidy Scheme, Ex Mentally Ill Rehabilitation Homes and Ex Mentally Ill Sheltered Homes.



Subsidy Rate for Non-Residential Services

The calculated per capita monthly household income will determine the amount of subsidy eligible patients can receive.

Besides means testing, the patient may also be required to meet other eligibility criteria (such as care assessments) to qualify for subsidies.

Here are the subsidy rates for the home and community-based services based on the means-test outcome:



Table 3: Subsidies for Home and Community-Based Services (Non-Residential Services)

Per Capita Monthly Household Income Subsidy Levels
Singapore Citizens  Permanent Residents 
$0 - $70080%55% 
$701 - $1,100
75%50%
$1,101 - $1,600
60%40%
$1,601 - $1,800
50%30%
$1,801 - $2,600
30%15%
$2,601 and above
0%0%

*This includes Eldercare Centres (such as Day Rehabilitation Centres, Dementia Day Care Centres, Social Day Care Centres, Senior Care Centres), Ex-mentally ill Day Rehabilitation, and home-based services such as Hospice Home Medical, Hospice Home Nursing, Home Medical and Home Nursing, Home Help and Senior Home Care.



Table 4: Monthly Subsidies for Community Haemodialysis and Peritoneal dialysis

Per Capita Monthly Household Income Community Haemodialysis Subsidies
per month
Peritoneal Dialysis Subsidies
per month
Singapore CitizensPermanent ResidentsSingapore CitizensPermanent Residents 
$0 - $700$500$400$550$440
$701 - $1,100$350$280$400$320
$1,101 - $1,600$250$200$300$240
$1,601 - $1,800$205$164$255$204
$1,801 - $2,600$145$116$195$156
$2,601 and above$0$0$0$0


How To Apply?

To apply for subsidies, the easiest way is to approach the staff or the Medical Social Workers (also known as MSWs) of the Restructured Hospital, Intermediate and Long-Term Care service provider or a care coordinator. He or she will help you with your application for subsidies by first bringing you through the Means-Test Declaration Form. You can download the Business Reply Envelope separately for this Means-Test Declaration Form here​.


Household Means-Test Results are valid for 2 years

If you have previo usly applied for any financial schemes or grants (eg. CHAS), your Means-Test results could still be valid.

Have a question? Call the Singapore Silver Line on 1800-650-6060 (Mondays to Fridays 8.30 am to 8.30 pm, Saturdays 8.30 am to 4.00 pm) .


Financial Assistance 

The same means-test approach is also used to determine if you are eligible for the following forms of assistance through the following schemes or grants:


Besides means testing, you are required to meet all other eligibility criteria to qualify for such schemes.

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Mon - Fri: 8.30am - 8.30pm
Sat: 8.30am - 4.00pm

1800-650-6060

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Means-Testing Singapore
means testing Singapore
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Means-test is a method to calculate the subsidies you will receive from the government when you use care services.
means testing Singapore
Means-test is a method to calculate the subsidies you will receive from the government when you use care services.
Means-Testing Singapore