For most Singaporeans, falling ill is a major concern, not just because of its health implications but also due to rising healthcare costs.
There are several programmes put in place to help defray these costs, one of which is the Community Health Assist Scheme.
Better known as CHAS, this programme by the Ministry of Health dates back to 2000 and was conceived as a way to provide financial subsidies to both the elderly and disabled to help cover medical needs. It has since been expanded to meet the growing need for subsidized care for all Singaporeans.
Since its inception, CHAS has been hailed as a resounding success and was one of the factors that led the World Health Organization (WHO) to rank Singapore’s healthcare system as the best in Asia.
Today, all cardholders need to do if they want to avail of subsidised fees is to present their CHAS card at any participating GP or healthcare centre.
This is a financial assistance program that enables all Singapore citizens, including lower-income households, to receive subsidies for medical and dental care at participating general practitioner and dental clinics.
There are three colour-coded levels of subsidies and each is indicated by its respective CHAS card: Blue, Green and Orange.
Under the programme, Pioneer Generation and Merdeka Generation seniors also get special subsidies, with their PG or MG card serving as their very own CHAS card.
Not only that, but Singaporeans with a Public Assistance (PA) card are automatically entitled to full CHAS subsidies under the Blue tier, and do not need to apply for CHAS.
CHAS cards are accepted in over 1000 clinics in Singapore, which means top-quality healthcare will always be within reach for cardholders.
All Singaporean citizens are eligible for CHAS. However, if you would like to enjoy subsidies, you need to apply for them. Those who do not need to apply are PA, MG and PG cardholders. They will automatically receive full CHAS benefits.
The rest of the applicants will be assessed according to their household monthly income per person or the annual value of their home. The following table provides an overview.
Household Monthly Income Per Person*
Up to $1,200
$1,201 – $2,000
Annual Value of Home**
Up to $13,000
$13,001 – $ 21,000
**For households with no income. Visit IRAS to learn more about the
annual value of your home.
The CHAS Blue card, for instance, is meant for Singaporeans who have a monthly household income of less than $1,200 per person; the CHAS Orange card, meanwhile,
provides subsidies for individuals in households that earn no more than $2,000 per person. The CHAS Green card, on the other hand, is meant for people in households who have a monthly income of more than $2,000 per person.
Applicants who belong to households with no reported monthly income, meanwhile, will be assessed according to the Annual Value (AV) of their home.
Homes with an AV of $13,000 and below are qualified to receive CHAS Blue cards, while those whose homes have an AV of no more than $21,000 can receive CHAS Orange cards. Finally, applicants who live in properties that have an AV of more than
$21,000, are entitled to CHAS Green cards.
The subsidy tier for each card along with CHAS benefits of MG and PG cardholders
can be seen in the table below. Of the three CHAS cards, the CHAS Blue card
provides the most subsidies for treating common illnesses, chronic conditions,
and dental services, followed by the CHAS Orange tier, and then finally, CHAS
Green tier, which has the least amount of subsidies.
(Simple*) Chronic Condition
(Complex**) Chronic Condition
**multiple chronic conditions or conditions with complications
By design, CHAS covers subsidies for several health services, such as treatments
for common illnesses like colds and fever, chronic conditions like
pre-diabetes, high cholesterol and high blood pressure, and mental illnesses.
Aside from that, CHAS cards also cover select dental services, as well as
recommended health screenings.
Referrals to Specialist Outpatient Clinics (SOCs) and National Dental Centre Singapore
are also subsidized for all CHAS, MG and PG cardholders. While subsidized
referral to National Centre for Oral Health Singapore is only for CHAS
Blue/Orange, MG and PG cardholders.
For all CHAS cardholders, MediSave can be used to defray the cost of the medical bill
or similar expenses such as those related to elderly care services in Singapore.
CHAS cardholders with chronic conditions through the Chronic Diseases Management
Programme can tap into the MediSave for outpatient treatment for conditions
covered under CHAS.
Households with CHAS Blue cards can receive a subsidy of $18.50 per visit for common
illnesses. CHAS Orange holders, on the other hand, can receive a subsidy of $10
per visit. As noted by the MOH, treatments and consultations for common
illnesses are capped at 24 per year per patient, across all CHAS clinics.
CHAS Blue cardholders with simple chronic conditions, or progressive illnesses or
diseases that require long-term care and medication, can receive a subsidy of
$80 per visit with a yearly cap of $320.
CHAS Orange cardholders, meanwhile, can expect subsidies of $50 per visit. This is
capped off at $200 per year.
CHAS Green holders can receive subsidies of $28 per visit, capped off at $112 per
CHAS Blue beneficiaries with complex chronic conditions are eligible for subsidies
amounting to $125 per visit with a yearly cap of $500
CHAS Orange can get $80 per visit. This is capped at $320 per year.
CHAS Green cardholders can get subsidies of up to $40 per visit and up to $160 per
On selected dental services, CHAS Blue cardholders can receive subsidies ranging
from $11 to $256.50, depending on the procedure. CHAS Orange beneficiaries, on
the other hand, can get subsidies of up to $170.50 per procedure.
It is now more convenient to apply for CHAS cards. An eligible household member (21
application form to the PO box with the following address:
P.O. Box 680
Bukit Merah Central Post Office
Minors below 21 years of age and mentally-incapacitated individuals can have legal
guardians or appointed donee sign for them.
CHAS applications take about 15 working days to get processed and upon release, the
cards have a validity period of two years and will need to be renewed upon