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By 
•Dr Satish Tajne 
•Dr Geetesh Shelar 
•Dr Rohit Nair 
•Dr Shekhar Gaddam
Introduction 
x Singapore is a small country with a total land area of 710 square 
kilometres. 
x Obtained independence from Malaysia on 9 August 1965. 
x Singapore is a parliamentary republic. 
x Singapore is characterized by a highly developed and successful free-market 
economy. 
x It has a very open and corruption-free business environment. 
x The Singapore economy grew by 8% in 2009 and it is projected to 
grow by 15% in 2010. 
x Per capita gross domestic product amounted to US$ 39,951 in 2008. 
x Literacy rate : 96.3%
THE HEALTH CARE SYSTEM IN SINGAPORE 
x Health Care Philosophy- 
1. Aims to build up a healthy population through preventive health care programmes and 
the promotion of healthy living.(Healthy family, healthy nation report 1991) 
2. Responsibility to intervene in the health care sector where the market fails to keep health 
care costs down 
3. Personal responsibility for one’s health. 
Emphasis on – a)Health education 
b)Immunization 
c)Health screening for early detection of diseases.
Ministry of Health- 
Overall responsibility for the provision and regulation of health care services in 
Singapore.
HEALTHCARE DELIVERY SYSTEM 
Singapore has a dual health care delivery system. 
x Primary health care-x 
80%provided by private practitioners 
x 20% government polyclinics 
Includes – 
x curative out-patient medical treatment 
x health screening 
x preventive health programmes for school children, 
x home nursing 
x day care and rehabilitation for the elderly 
x health education and promotion. 
x Hospital Care-x 
80% by public sector 
x 20% by Private sector
PUBLIC HEALTH 
EXPENDITURE
Health Indicators 
x The crude birth rate 
x 
x 
x 
9.9 
4.4 
1.3 
0 
3 
x 
per 1000 resident population. 
The crude death rate 
per 1000 resident population. 
The total fertility rate per resident female 
MMR 
Under 5mortality Rate
Demography 
Population of Singapore = 4.9 millian (2009) 
% of Total Population 
Chinese 74.2% 
Malaysian 
13.4% 
Indian 
9.2% 
Others 
3.2%
Burden of disease
Principal Causes of Death
TOP 5 CONDITIONS OF HOSPITALISATION
PREVENTIVE HEALTH 
SERVICES
NUMBER AND PERCENTAGE OF BEDS IN PUBLIC AND PRIVATE 
HOSPITAL 
NUMBER OF BEDS 
PUBLIC HOSPITALS 
PERCENTAGE(%) 
9091 
2185 
80.6 
PRIVATE HOSPITALS 19.4 
TOTAL 11276 100 
3 beds per thousand population ratio. 
Average length of stay is about 5.5 days in general hospital. 
Occupancy rates - Public Hospital 84 % 
Private hospital 65%
Human resources for health
x Singapore's only Western-style Medical School, established in 
1905 trains 150 doc/yr 
Reason for growth in specialization - 
Push FOR growth by forming 
x Committee for Postgraduate Medical Education in 1970 
x Up-gradation of hospitals with sophisticated technology. 
x Sending doctors to higher medical centers in world for training
Traditional medicine. 
x Traditional medicine (Chinese)- attends 12% of OPD 
patients hence government appointed a committee in 1994 
to review the practice of traditional Chinese medicine 
(TCM) which came out with recommendation of 
accreditation of TCM training programme. 
x Registration with the self regulatory body. 
x Establishment of a Chinese Proprietary Medicines as a 
Listing Unit in the Ministry of Health.
Programmes 
x Chronic Disease Management Programme (CDMP) and 
vaccinations (Oct 2006) 
x Health Promotion Programmes: 
BreastScreen Singapore, Cervical Screening Singapore, Childhood 
Injury Prevention Programme, Community Health Screening, Mental 
Health Education Programme, National Myopia Prevention 
Programme, Physical Activity programme, Mental Health Education 
Programme, National Smoking Control Programme, Nutrition 
Programme, Osteoporosis Education Programme, Workplace Health 
Promotion Programme. 
x National AIDS Control Programme (since 1985) 
x National Childhood Immunization Programme (NCIP) 
x Singapore Tuberculosis Elimination Programme (STEP) (1997)
Important Acts 
x Human Organ Transplant Act (Hota) 
On 6 January 2004, the Human Organ Transplant (Amendment) 
Bill was passed by Parliament which extending HOTA beyond 
kidney to include liver, heart and cornea. 
x Advance Medical Directive (AMD)- 
It’s a legal document that one sign in advance to inform the 
doctor to not to use any life sustaining treatment to prolong the 
life in case of an event of one becoming terminally ill and 
unconscious or imminent death. 
To ensure that terminal patients die with dignity and to cater to 
the medical demands of its ageing population the ministry is 
planning to increase the number of hospice beds by about 20% 
over the next five to seven years.
National Health Plan ‘83’ 
Government was prompt enough to think about solving the problem before it 
arrived which lead to National Health Plan 1983, detailing health 
infrastructure planned for the next 20 yrs 
Objectives of the NHP were 
x to secure a healthy, fit and productive population through active disease 
prevention and promotion of healthy lifestyles 
x to improve cost-efficiency in the health care system. 
x meet the growing demand of a rapidly aging population for increased health 
care. 
x Under this plan, the Medisave scheme was introduced in 1984 to meet 
rising medical expenditure. The Medisave account allows members to 
withdraw funds from their accounts in the Central Provident Fund (CPF) to 
pay for hospital services, within certain limits, of themselves and their 
immediate family members.
Singapore Health system 
Financing 
By-Dr.Gitesh H Shelar
HEALTH CARE FINANCING IN SINGAPORE 
x Prior to the reform in the 1980s medical services generally were 
provided free or at a nominal charge through public facilities which 
were financed through general taxation. 
x In 1981 Ministry of Health announced ‘a cradle to grave health 
system’ like those of British NHS. 
Included two major changes such as 
a)shifting of financial burden of health care from government to individual and 
employer. 
b)Corporatization of Government Hospital.
HEALTHCARE DELIVERY SYSTEM 
x Singapore has a dual health care delivery system. 
Financing 
x Primary health care. 
x Hospital care 
x Long term care. 
x Dental services. 
x Pharmaceutical.
FINANCING HEALTH CARE SYSTEM 
BASICALLY THE HEALTH CARE IS FINANCED BY FOUR PAYERS-x 
The individual 
x The employer 
x The insurer 
x The government 
Financing of healthcare is mainly divided in to 
x Public financing including Taxation and Medifund 
x Private financing including the government-administered schemes, 
Medisave and Medishield, private medical insurance and savings.
Public health financing-x 
Taxation-Personal income tax ranging from2% to 28% is levied on 
residents of Singapore at progressive rates on the previous year’s income. 
Companies are taxed on adjusted net profits less capital allowances. The 
corporate income tax rate is 26%. In 1995, tax revenue amounted to S$19.6 
billion. 
Provides fund for subsidising and promoting health care services. 
MediFund- 
It’s a endowment fund set up by the government in April 1993. 
x Medifund started with an initial endowment of S$200 million from 
the government in 1993 which has increased to S$600 million in 1998. 
x Since its inception 99% of the applicants were given financial 
assistance.
Medisave 
x Introduced in 1984 as an extension of CPF(1955) Medisave allows 
Singaporeans to put aside part of their income into an account to meet future 
personal or immediate family’s hospitalisation, day surgery or certain 
outpatient expenses. 
x Under Medisave, between 6 and 8 per cent - according to age of every 
member's CPF account, subject to a ceiling of Sin $16000. 
x From 1 March 2010 Singapore residents can use the medisave account to 
pay for overseas hospitalisations. 
x Amount with drawn from Medisave accounts- 
2008-SGD 590mn 
2oo9-SGD 660mn.
x For the year 2006, the salary ceiling for the Central Provident Fund 
contribution is S$4,500/month. 
x Additional Medisave Contribution Scheme made by the employer as an 
incentive to employee which is limited to S$1,500per employee/peryear. 
x For all self-employed persons who earn more than s$6,000 are required to 
contribute. 
x Accumulated savings in a Medisave Account are subjected to a Medisave 
Contribution Ceiling . The Medisave Contribution Ceiling for 2006 is 
S$32,500. 
x Medisave Account savings that exceeds S$27,500 can only be withdrawn. 
x If the Medisave A/C Balance is lower than required amount (S$8,300)then 
amount from other two sub-account is transfered
x Starting from 1 March 2010 the Ministry Of Health announced that the 
Singapore residents will be allowed to utilise National Medical saving 
scheme or Medisave for overseas hospitalisation and day surgeries at 
hospital in Malaysia. 
x This scheme has been initiated with two providers- 
1. Health Management International (HMI) 
2. Parkway Holdings 
x Boost to the Palliative care with the Health Ministry’s decision to liberalise 
the use of Medisave for home palliative care in September 2009. 
x Some SGD500mn (US$347mn) is to be spent on elderly care, with a focus 
on home care, rehabilitation and palliative services.
Marriage and Parenthood Schemes 
x Medisave Maternity Package provides for the delivery and 
pre-delivery medical expenses of your first four children. 
x For normal delivery withdrawal upto SGD 2,100 for Non- 
Medisave Maternity Package while for Medisave Maternity 
package SGD 450 more will be alloted. 
x Claim only upto the mentioned amount will be provided for 
maternity expenses.
Interim Disability Assistance Programme for 
the Elderly(IDAPE) 
x Provides financial help to needy and disabled elderly 
Singaporeans, who are not eligible for ElderShield because 
of their age or pre-existing disabilities. 
x IDAPE provides with $100 or $150 a month, for a maximum 
period of 72 months. 
Eligibility-x 
If one is unable to perform 3 or more of the 6 Activities of Daily Living 
(ADLs; washing, feeding, dressing, toileting, mobility and 
transferring). 
x If one is aged 70 and above as at 30 September 2002. If you are aged 40 to 69 
years as at 30 September 2002, your disability must occur before 30 September 
2002. 
x If one’s per capita monthly household income is less than $1000.
Payment schedule for IDAPE 
Per capita monthly household 
income * 
$700 and below 
Monthly payout 
$150 
$701 - $1,000 $100 
Above $1,000 Not eligible for IDAPE payout
Primary Care Partnership 
x To provide convenient and affordable healthcare for needy 
elderly and disabled Singaporeans, the Ministry of Health 
(MOH) started the Primary Care Partnership Scheme (PCPS). 
x In this scheme needy patients can receive subsidised treatment at 
General Practitioners (GPs) and dental clinics near their homes. 
x To provide common outpatient medical treatments and basic 
dental services for this group of patients 
x The scheme will also cover treatment for 3 chronic diseases: 
Diabetes Mellitus (DM), Hypertension (High blood pressure) 
and Lipid Disorders (e.g. High cholesterol).
INTERMEDIATE AND LONG-TERM 
CARE (ILTC) 
x After the patients are well enough to be discharged from the hospital but due to their 
medical condition may require further care and treatment at centres. Such care is 
provided through ILTC. 
Refers to services such as 
Community Hospitals 
Chronic Sick Facilities 
Nursing Homes 
Hospices 
Day Rehabilitation Centres 
Home care services such as home nursing and home medical. 
i. 
ii. 
iii. 
iv. 
v. 
vi. 
Realizing the fact that the cost of such care will be higher as they require care for 
longer period of time hence the government subsidizes such care to those who need 
it.
Health insurance plans 
x Health insurance plans approved by either the Central Provident Fund 
Board or the government serve the function of pooling health care 
resources which include-x 
(a) Medisave-approved health insurance schemes; and 
x (b) employer-sponsored schemes. 
x Medisave approved insurance schemes consists of MediShield, 
Integrated MediShield (which includes IncomeShield) and ElderShield
MEDISHIELD 
x Is a voluntary low-cost catastrophic medical insurance scheme 
launched in 1990. 
x It covers hospitalization expenses for major or prolonged illness 
according to the extent of limit chosen. 
x Element deductible and co-insurance (20 per cent)present along with 
upper age limit of 70 years for participation. 
x At the end of 1995, Medishield covered 1.5 million lives or 87 per cent 
of eligible CPF members as well as a quarter million of their 
dependants. 
In an Integrated Medishield Scheme additional benefits are coupled with 
the benefits by charging an additional fee paid to the insurance 
company by the consumer 
x In 2005, there were five health insurance companies in Singapore 
providing 15 integrated MediShield insurance products
ELDERSHIELD 
x Is a severe disability insurance scheme for those who need 
long-term care, especially during old age. 
x Provides a monthly cash payout to help pay out-of pocket 
expenses for the care of a severely disabled person. 
x Till 2007, the market was controlled by just two local 
providers – 
1)Great Eastern Life Assurance 
2)NTUC Income Insurance Cooperative 
Aviva now is also present. 
x From September 2007, the disability insurance scheme was 
introduced in two tiers – Basic ElderShield and ElderShield 
Supplements
Employer-sponsored schemes 
x The Manpower Ministry announced in September 2007 that from early 
2008 employers must provide insurance for all those on a work permit or 
an S pass (i.e. overseas employees). 
x Employers are encouraged to provide employees with medical benefits by tax 
incentives. 
x This schemes include Portable Medical Benefits Scheme or the Transferable 
Medical Insurance Scheme 
x The Portable Medical Benefits Scheme is an institutionalized scheme. 
x Involves Employers making monthly contributions to employees’ Medisave 
Accounts which is limited to S$1,500 per employee per year. 
x The Transferable Medical Insurance Scheme is an employer-sponsored group 
insurance plan. At present, 19 health insurance companies provide transferable 
medical insurance products. 
Provides coverage for 12 months even if the employee leaves the job for whatever 
reason.
Patient safety and EMR 
x Being committed to patient safety Singapore introduced a project to 
document the prevalence of medical errors in 2003 which documented 1000 
death annually due to inappropriate use of pharmaceuticals and medical 
devices. 
x Accordingly, the government started making electronic medical records 
(EMRs) compulsory. 
x Nine polyclinics affiliated with the National Healthcare Group (NHG) 
started to use the scheme in October 2009 and now is slated out for the 
remainder. 
x The creation of the new electronic records system is supported by the 
investment of around SGD200mn (US$139mn).
Health Promotion Board 
x Established in 2001, the Health Promotion Board (HPB) has a 
vision to build a nation of healthy and happy people. 
x Main driver for national health promotion and disease prevention 
programmes. 
x Goal is to increase the quality and years of healthy life and 
prevent illness, disability and premature death. 
x About 36 programmes are listed in HPB-A few of them worth 
mentioning are- 
Adult Oral Health Promotion Programme , AIDS Education Programme, 
BreastScreen Singapore, Healthy Eating in Schools Programme, National Brisk 
Walking Programme, Nurture Your Mind For Older Persons (NYMOP), Physical 
Activity Programmes Schedule, RESPECT and STI/AIDS Prevention Programmes 
for Youths
Health expenditure analysis 
x Total health care expenditure in Singapore in 1995 reached S$3,545 
million in 1995. It represented nearly 42 times(S$85million) that in 
1960 and 2.7(S$1312) times that in 1986 . 
x GDP fluctuated at around 3% to 4% since 1960. 
x Health care expenditure per person has increased more than two times between 
1986 (S$524.8) and 1995 (S$1,181.7).
Health expenditure Pattern
Share of Financial responsibilty
Analysis 
Dr Rohit Nair
x WHO Health System Rank 6th in the world 
The story behind the scenes….
Political 
x Political Stability since 1965( PAP)Effectiveness of policy of 
delivery mechanism of public services and no disruption of policy 
implementation. Singapore enjoys a very stable political system 
x Strong foundation with regulation and guidelines 
( Intellectual and property rights) 
x Official promises have been made to eradicate Singapore’s 
reputation as an overprotective nanny-state, with efforts to 
enhance freedom of expression. 
x Strong relationship between the public and the govt that help 
overcome barrier in the process of building , maintaining and 
developing the nation.
Economic 
x Strong market foundations consistent growth 
x Imports most of resources and largely export dependent 
x Other weaknesses are the public feelings of insecurity and concern 
xxx 
x 
about making mistakes and being fined 
The SARS outbreak in 2003 
The war in Iraq in 2002 
long-term economic problems. Competition from low-cost 
neighbouring countries is on the increase and its population is ageing 
rapidly. 
In the face of regional competition for both exports and investment, the 
government is encouraging economic diversification to boost 
competitiveness. New areas being promoted include biomedical 
sciences, medical and financial services, and tourism.
Social 
x Ethnic diversity of Chinese, Malaysians and Indians. 
x Worlds cleanest city and the least corrupt city 
x HDI 27th rank in the world 
x The worlds only slum free city 
x 100% Urban population 
x The social strengths of Singapore have been demonstrated by 
an educational system that produces a well-educated 
workforce . 
x Not only developing its own pool of local talents, Singapore 
also recruits foreign talents to work in both the public and 
private sectors.
Technology 
x Technologically, Singapore has a high-tech based economy. 
x 
x 
x 
x 
x 
Well-prepared infrastructure and the latest technology 
contribute to the rapid development. 
IT literate and English Proficient 
Nationwide electronic Citizen (e-Citizen) programme. 
The Ministry of Health website 
Opening up of the market. 
Personal Health Records and Electronic Medical Records.
S.W.O.T
Individual Responsibility 
Political will 
3 M Medical Savings Account 
stable government and economy. 
availability of skilled medical professional 
latest medical technology. 
E Health 
In terms of accessibility, location and air links 
Strengths Strong intellectual property (IP) protection laws. 
Favourable tax climate for foreign investment. 
World-class capabilities across the entire value chain, (research to support 
services). 
x Well-established research infrastructure backed by strong supporting 
industries. 
x Singapore is the least corrupt country in Asia,(Transparency International) 
xxxxxxxxxxx 
Strengths
Weakness 
x Ageing Population “silver industry” 
x Hospital based Health Care system 
x Resource poor 
x Shortage of health care professionals 
x Small population size, which limits longer-term 
market potential. 
x The Singapore government censors the media and 
limits the distribution of foreign publications. The 
judiciary’s record of siding with prominent 
politicians calls into question the true extent of its 
neutrality in any contract dispute involving a 
politically sensitive issue
Opportunities 
x Medical tourism 
x Government focused on developing Singapore into a hub 
x 
x 
x 
x 
for pharmaceuticals 
Medical devices, clinical trials and biotechnology, 
attracting both foreign investment and patients. 
There is currently a government-inspired push to 'go 
regional', strengthening Singapore's position as a hub of 
medical excellence in SE Asia. 
ASEAN Countries Trade policies 
Also planned is the creation of a multi million-dollar 
medical services park, to be co-located with a tertiary 
hospital.
Threats 
x Changing Disease Profiles 
x Costs via high technology and high standards 
x Rising AIDS,TB 
x Lifestyle related Diseases 
x There are fears that Singapore’s foreign policy alignment 
with the US will cause the city-state to become a target for 
terror attacks launched by Muslim extremists. Terorism
Challenges 
x The number of seniors will increase from 8.4% in 2005 to 
18.7% in 2030. In absolute terms, seniors will increase from 
about 296,900 in June 2005 to 873,300 in 2030 
x Healthier. In terms of mobility, about 87% of seniors are 
ambulant and physically independent. They will also be living 
longer 
x Better educated. The proportion of seniors aged 65 – 74 
with at least a secondary education is projected to increase from 
13.9% in 2005 to 28% by 2010 and to 63% by 2030. 
x Richer. Each successive cohort of older people will be 
increasingly affluent and wield greater economic power. As 
consumers, they represent a potentially large and untapped 
market sector.
Challenges Cont. 
x Cost containment vis-a-vis a rapidly ageing population: increasing 
x 
x 
x 
x 
x 
health care costs due to advances in medical specialisation as well as 
the use of expensive medical technologies. 
Quality of care, while medical audit and quality assurance are 
currently still relatively underdeveloped 
Medical manpower planning: especially in nursing home nursing and 
ancillary health personnel. 
Harnessing information technology: Singapore is working towards a 
National Health Information System that will allow the seamless flow 
of information, such as electronic medical records, across all health 
care establishments; 
Increased demand and expectations from the more affluent and 
educated population. 
Diseases that are 'lifestyle-related'. 'Westerners'. HIV-infected people 
are very often considered as isolated cases who have been 'exposed 
‘to foreigners.
x What Do the people of Singapore feel about their healthcare 
system??
Public Perceptions of Healthcare in 
Singapore: Case Study (August 2006) 
x 
x 
x 
x 
Jeremy FY Lim, Veena Dhanajay Joshi, conducted a survey of Singapore residents to 
determine perceptions of the affordability and quality of healthcare in Singapore. 
A sampling frame comprising 6146 random telephone numbers from the 2005/2006 of 
the Singapore telephone directory was generated. 
Trained interviewers then conducted the survey via telephone using a questionnaire that 
was purpose designed for this survey. 
Respondents were asked to rank their agreement with statements pertaining to 
healthcare cost and quality on a 5-point Likert scale. 
x There were 1783 respondents to the survey.
Result Of the Study
Result Continue..
x Conclusion: Singaporeans are confident in the Singapore healthcare system and sentiments appear to be 
more positive when compared to other countries.
The future
The future
Comparative Analysis 
Dr. Shekhar S. Gaddam
Key components of a well functioning health 
system ----WHO 
x Leadership and Governance 
x Health financing 
x Human resources for health 
x Essential medical products and technologies 
x Service delivery 
x Health information systems
Leadership and Governance 
x Ensuring that health authorities take responsibility for 
steering the entire health system (including the private sector) 
x Set clear direction through transparent and inclusive process of 
-- 
-- planning and strategy 
-- accountability 
-- monitoring and evaluation
…Leadership and Governance ctd… 
Responsibility 
/ governance 
Planning & 
strategy 
Monitoring & 
evaluation 
Accountability 
France 
Germany 
UK 
US 
Singapore 
No 
…yes… 
yes 
…yes… 
yes 
Yes 
Yes 
Yes 
Yes 
Yes 
Yes 
Yes 
Yes 
Yes 
Yes 
Yes 
Yes 
Yes 
…yes… 
Yes
Health Financing 
x A system to raise sufficient funds for health fairly 
x A system to pool financial resources 
x Ensure efficient use of funds
…Health Financing ctd… 
Fairness 
France 
Germany 
UK 
US 
Singapore 
Pooling 
…yes… 
Yes 
Yes 
Yes 
Yes / no 
Efficient utilisation 
Yes /no 
Yes 
Yes/ no 
No 
Yes 
…yes… 
Yes 
Yes /no 
No 
Yes
Human Resources for Health 
x Arrangements for achieving sufficient health professionals in 
right mix 
x Ensure system wide deployment and distribution according to 
needs
…Human Resources for Health ctd… 
Sufficient no. Right mix Efficient 
deployment 
?Yes 
?Yes 
France 
Germany 
Yes 
Yes 
Yes 
Yes 
UK 
US 
Singapore 
No 
Yes 
No 
Yes 
Yes 
Yes 
Yes 
No 
No
Essential Medical Products and 
Technology 
x Medical products regulatory system (marketing, safety, 
quality, etc) 
x National list of essential medical products 
x Availability and price monitoring system 
x A national programme to promote rational prescribing
…Essential Medical Products and 
Technology ctd… 
Regulatory 
system 
List of 
essential 
medical 
products 
Yes 
Yes 
Yes 
Yes 
Yes 
Monitoring of 
availability 
and price 
Yes 
Yes 
Yes 
Yes 
Yes 
Programme 
for rational 
prescription 
Yes 
Yes 
Yes 
Yes 
Partly yes 
France 
Germany 
UK 
US 
Singapore 
Yes 
Yes 
Yes 
Yes 
Partly yes
Service Delivery 
x Network of close-to-client primary care and back-up of 
specialized care 
x Standard norms and guidelines to ensure access, quality, 
safety andpeople-centeredness 
x Mechanisms to hold providers accountable for access and 
quality, and to ensure consumer voice
…Service Delivery ctd… 
Close-to-pt 
primary care 
Norms to 
ensure 
access/quality 
/safety 
Yes 
Yes 
Yes 
Yes / no 
Yes 
People 
centeredness 
Accountability 
of providers 
France 
Germany 
UK 
US 
Singapore 
Yes 
Yes 
Yes 
Yes 
Yes 
Yes /no 
Yes /no 
Yes / no 
…Yes… 
Yes / recently ? 
Yes 
Yes 
Yes 
Yes / no 
Yes
Health Information System 
x Health information system 
x Health management information system
…Health Information System ctd… 
HMS 
France 
Germany 
UK 
Yes and developing 
Yes and developing 
Yes and developing 
HMIS 
Yes 
Yes 
Yes 
US 
Singapore 
Yes 
Yes and developing 
Yes 
Yes
Health Indicators 
Country 
France 
Germany 
UK 
US 
Life expectancy in yrs 
(m/f/both) 
78/85/81 
77/83/80 
78/82/80 
76/81/78 
HALE in yrs 
(m/f/both) 
71/76/73 
71/75/73 
71/73/72 
68/72/70 
Singapore 79/83/81 71/75/73
…Health Indicators ctd… 
IMR / 1000 
live births 
France 
Germany 
3 
4 
Less than 5 yrs 
MR / 1000 
4 
4 
MMR / 1000 
deliveries 
8 
6 
Adult MR 
(prb death 15- 
49)/1000 
87 
78 
UK 
US 
Singapore 
5 
7 
2 
6 
8 
3 
7 
13 
8 
78 
107 
64
…Health Indicators ctd… 
Physicians / 
10,000 
France 
Germany 
UK 
US 
Specialists / 
10,000 
17 
20.3 
17.7 
14.6 
Nurses / 10,000 Hospital beds 
/ 10,000 
81 
80 
6 
98 
37 
35 
21 
27 
72 
83 
39 
31 
Singapore 17 7.8 54 32
Health Expenditure 
Expenditure % Govt share in 
of GDPexpenditure 
(%) 
France 
Germany 
UK 
US 
Singapore 
11 
10.4 
8.4 
15.7 
3.1 
79 
76.9 
81.7 
45.5 
32.6 
Pvt share in 
expentiture 
(%) 
21 
23.1 
18.3 
54.5 
67.4 
Per capita 
expenditre 
using PPP (US$ 
3709 
3588 
2992 
7285 
1643
1) Is AMD(Advance Medical Directive ) 
= EUTHANASIA 
???????? 
2) Human Organ Transplant Act (Hota) 
Can we have it in India ????????
Singapore health system report

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Singapore health system report

  • 1. By •Dr Satish Tajne •Dr Geetesh Shelar •Dr Rohit Nair •Dr Shekhar Gaddam
  • 2.
  • 3. Introduction x Singapore is a small country with a total land area of 710 square kilometres. x Obtained independence from Malaysia on 9 August 1965. x Singapore is a parliamentary republic. x Singapore is characterized by a highly developed and successful free-market economy. x It has a very open and corruption-free business environment. x The Singapore economy grew by 8% in 2009 and it is projected to grow by 15% in 2010. x Per capita gross domestic product amounted to US$ 39,951 in 2008. x Literacy rate : 96.3%
  • 4. THE HEALTH CARE SYSTEM IN SINGAPORE x Health Care Philosophy- 1. Aims to build up a healthy population through preventive health care programmes and the promotion of healthy living.(Healthy family, healthy nation report 1991) 2. Responsibility to intervene in the health care sector where the market fails to keep health care costs down 3. Personal responsibility for one’s health. Emphasis on – a)Health education b)Immunization c)Health screening for early detection of diseases.
  • 5. Ministry of Health- Overall responsibility for the provision and regulation of health care services in Singapore.
  • 6. HEALTHCARE DELIVERY SYSTEM Singapore has a dual health care delivery system. x Primary health care-x 80%provided by private practitioners x 20% government polyclinics Includes – x curative out-patient medical treatment x health screening x preventive health programmes for school children, x home nursing x day care and rehabilitation for the elderly x health education and promotion. x Hospital Care-x 80% by public sector x 20% by Private sector
  • 7.
  • 9. Health Indicators x The crude birth rate x x x 9.9 4.4 1.3 0 3 x per 1000 resident population. The crude death rate per 1000 resident population. The total fertility rate per resident female MMR Under 5mortality Rate
  • 10.
  • 11. Demography Population of Singapore = 4.9 millian (2009) % of Total Population Chinese 74.2% Malaysian 13.4% Indian 9.2% Others 3.2%
  • 14. TOP 5 CONDITIONS OF HOSPITALISATION
  • 15.
  • 17. NUMBER AND PERCENTAGE OF BEDS IN PUBLIC AND PRIVATE HOSPITAL NUMBER OF BEDS PUBLIC HOSPITALS PERCENTAGE(%) 9091 2185 80.6 PRIVATE HOSPITALS 19.4 TOTAL 11276 100 3 beds per thousand population ratio. Average length of stay is about 5.5 days in general hospital. Occupancy rates - Public Hospital 84 % Private hospital 65%
  • 19. x Singapore's only Western-style Medical School, established in 1905 trains 150 doc/yr Reason for growth in specialization - Push FOR growth by forming x Committee for Postgraduate Medical Education in 1970 x Up-gradation of hospitals with sophisticated technology. x Sending doctors to higher medical centers in world for training
  • 20.
  • 21.
  • 22.
  • 23. Traditional medicine. x Traditional medicine (Chinese)- attends 12% of OPD patients hence government appointed a committee in 1994 to review the practice of traditional Chinese medicine (TCM) which came out with recommendation of accreditation of TCM training programme. x Registration with the self regulatory body. x Establishment of a Chinese Proprietary Medicines as a Listing Unit in the Ministry of Health.
  • 24. Programmes x Chronic Disease Management Programme (CDMP) and vaccinations (Oct 2006) x Health Promotion Programmes: BreastScreen Singapore, Cervical Screening Singapore, Childhood Injury Prevention Programme, Community Health Screening, Mental Health Education Programme, National Myopia Prevention Programme, Physical Activity programme, Mental Health Education Programme, National Smoking Control Programme, Nutrition Programme, Osteoporosis Education Programme, Workplace Health Promotion Programme. x National AIDS Control Programme (since 1985) x National Childhood Immunization Programme (NCIP) x Singapore Tuberculosis Elimination Programme (STEP) (1997)
  • 25. Important Acts x Human Organ Transplant Act (Hota) On 6 January 2004, the Human Organ Transplant (Amendment) Bill was passed by Parliament which extending HOTA beyond kidney to include liver, heart and cornea. x Advance Medical Directive (AMD)- It’s a legal document that one sign in advance to inform the doctor to not to use any life sustaining treatment to prolong the life in case of an event of one becoming terminally ill and unconscious or imminent death. To ensure that terminal patients die with dignity and to cater to the medical demands of its ageing population the ministry is planning to increase the number of hospice beds by about 20% over the next five to seven years.
  • 26. National Health Plan ‘83’ Government was prompt enough to think about solving the problem before it arrived which lead to National Health Plan 1983, detailing health infrastructure planned for the next 20 yrs Objectives of the NHP were x to secure a healthy, fit and productive population through active disease prevention and promotion of healthy lifestyles x to improve cost-efficiency in the health care system. x meet the growing demand of a rapidly aging population for increased health care. x Under this plan, the Medisave scheme was introduced in 1984 to meet rising medical expenditure. The Medisave account allows members to withdraw funds from their accounts in the Central Provident Fund (CPF) to pay for hospital services, within certain limits, of themselves and their immediate family members.
  • 27. Singapore Health system Financing By-Dr.Gitesh H Shelar
  • 28. HEALTH CARE FINANCING IN SINGAPORE x Prior to the reform in the 1980s medical services generally were provided free or at a nominal charge through public facilities which were financed through general taxation. x In 1981 Ministry of Health announced ‘a cradle to grave health system’ like those of British NHS. Included two major changes such as a)shifting of financial burden of health care from government to individual and employer. b)Corporatization of Government Hospital.
  • 29. HEALTHCARE DELIVERY SYSTEM x Singapore has a dual health care delivery system. Financing x Primary health care. x Hospital care x Long term care. x Dental services. x Pharmaceutical.
  • 30. FINANCING HEALTH CARE SYSTEM BASICALLY THE HEALTH CARE IS FINANCED BY FOUR PAYERS-x The individual x The employer x The insurer x The government Financing of healthcare is mainly divided in to x Public financing including Taxation and Medifund x Private financing including the government-administered schemes, Medisave and Medishield, private medical insurance and savings.
  • 31.
  • 32. Public health financing-x Taxation-Personal income tax ranging from2% to 28% is levied on residents of Singapore at progressive rates on the previous year’s income. Companies are taxed on adjusted net profits less capital allowances. The corporate income tax rate is 26%. In 1995, tax revenue amounted to S$19.6 billion. Provides fund for subsidising and promoting health care services. MediFund- It’s a endowment fund set up by the government in April 1993. x Medifund started with an initial endowment of S$200 million from the government in 1993 which has increased to S$600 million in 1998. x Since its inception 99% of the applicants were given financial assistance.
  • 33. Medisave x Introduced in 1984 as an extension of CPF(1955) Medisave allows Singaporeans to put aside part of their income into an account to meet future personal or immediate family’s hospitalisation, day surgery or certain outpatient expenses. x Under Medisave, between 6 and 8 per cent - according to age of every member's CPF account, subject to a ceiling of Sin $16000. x From 1 March 2010 Singapore residents can use the medisave account to pay for overseas hospitalisations. x Amount with drawn from Medisave accounts- 2008-SGD 590mn 2oo9-SGD 660mn.
  • 34. x For the year 2006, the salary ceiling for the Central Provident Fund contribution is S$4,500/month. x Additional Medisave Contribution Scheme made by the employer as an incentive to employee which is limited to S$1,500per employee/peryear. x For all self-employed persons who earn more than s$6,000 are required to contribute. x Accumulated savings in a Medisave Account are subjected to a Medisave Contribution Ceiling . The Medisave Contribution Ceiling for 2006 is S$32,500. x Medisave Account savings that exceeds S$27,500 can only be withdrawn. x If the Medisave A/C Balance is lower than required amount (S$8,300)then amount from other two sub-account is transfered
  • 35. x Starting from 1 March 2010 the Ministry Of Health announced that the Singapore residents will be allowed to utilise National Medical saving scheme or Medisave for overseas hospitalisation and day surgeries at hospital in Malaysia. x This scheme has been initiated with two providers- 1. Health Management International (HMI) 2. Parkway Holdings x Boost to the Palliative care with the Health Ministry’s decision to liberalise the use of Medisave for home palliative care in September 2009. x Some SGD500mn (US$347mn) is to be spent on elderly care, with a focus on home care, rehabilitation and palliative services.
  • 36. Marriage and Parenthood Schemes x Medisave Maternity Package provides for the delivery and pre-delivery medical expenses of your first four children. x For normal delivery withdrawal upto SGD 2,100 for Non- Medisave Maternity Package while for Medisave Maternity package SGD 450 more will be alloted. x Claim only upto the mentioned amount will be provided for maternity expenses.
  • 37. Interim Disability Assistance Programme for the Elderly(IDAPE) x Provides financial help to needy and disabled elderly Singaporeans, who are not eligible for ElderShield because of their age or pre-existing disabilities. x IDAPE provides with $100 or $150 a month, for a maximum period of 72 months. Eligibility-x If one is unable to perform 3 or more of the 6 Activities of Daily Living (ADLs; washing, feeding, dressing, toileting, mobility and transferring). x If one is aged 70 and above as at 30 September 2002. If you are aged 40 to 69 years as at 30 September 2002, your disability must occur before 30 September 2002. x If one’s per capita monthly household income is less than $1000.
  • 38. Payment schedule for IDAPE Per capita monthly household income * $700 and below Monthly payout $150 $701 - $1,000 $100 Above $1,000 Not eligible for IDAPE payout
  • 39. Primary Care Partnership x To provide convenient and affordable healthcare for needy elderly and disabled Singaporeans, the Ministry of Health (MOH) started the Primary Care Partnership Scheme (PCPS). x In this scheme needy patients can receive subsidised treatment at General Practitioners (GPs) and dental clinics near their homes. x To provide common outpatient medical treatments and basic dental services for this group of patients x The scheme will also cover treatment for 3 chronic diseases: Diabetes Mellitus (DM), Hypertension (High blood pressure) and Lipid Disorders (e.g. High cholesterol).
  • 40. INTERMEDIATE AND LONG-TERM CARE (ILTC) x After the patients are well enough to be discharged from the hospital but due to their medical condition may require further care and treatment at centres. Such care is provided through ILTC. Refers to services such as Community Hospitals Chronic Sick Facilities Nursing Homes Hospices Day Rehabilitation Centres Home care services such as home nursing and home medical. i. ii. iii. iv. v. vi. Realizing the fact that the cost of such care will be higher as they require care for longer period of time hence the government subsidizes such care to those who need it.
  • 41.
  • 42. Health insurance plans x Health insurance plans approved by either the Central Provident Fund Board or the government serve the function of pooling health care resources which include-x (a) Medisave-approved health insurance schemes; and x (b) employer-sponsored schemes. x Medisave approved insurance schemes consists of MediShield, Integrated MediShield (which includes IncomeShield) and ElderShield
  • 43. MEDISHIELD x Is a voluntary low-cost catastrophic medical insurance scheme launched in 1990. x It covers hospitalization expenses for major or prolonged illness according to the extent of limit chosen. x Element deductible and co-insurance (20 per cent)present along with upper age limit of 70 years for participation. x At the end of 1995, Medishield covered 1.5 million lives or 87 per cent of eligible CPF members as well as a quarter million of their dependants. In an Integrated Medishield Scheme additional benefits are coupled with the benefits by charging an additional fee paid to the insurance company by the consumer x In 2005, there were five health insurance companies in Singapore providing 15 integrated MediShield insurance products
  • 44. ELDERSHIELD x Is a severe disability insurance scheme for those who need long-term care, especially during old age. x Provides a monthly cash payout to help pay out-of pocket expenses for the care of a severely disabled person. x Till 2007, the market was controlled by just two local providers – 1)Great Eastern Life Assurance 2)NTUC Income Insurance Cooperative Aviva now is also present. x From September 2007, the disability insurance scheme was introduced in two tiers – Basic ElderShield and ElderShield Supplements
  • 45. Employer-sponsored schemes x The Manpower Ministry announced in September 2007 that from early 2008 employers must provide insurance for all those on a work permit or an S pass (i.e. overseas employees). x Employers are encouraged to provide employees with medical benefits by tax incentives. x This schemes include Portable Medical Benefits Scheme or the Transferable Medical Insurance Scheme x The Portable Medical Benefits Scheme is an institutionalized scheme. x Involves Employers making monthly contributions to employees’ Medisave Accounts which is limited to S$1,500 per employee per year. x The Transferable Medical Insurance Scheme is an employer-sponsored group insurance plan. At present, 19 health insurance companies provide transferable medical insurance products. Provides coverage for 12 months even if the employee leaves the job for whatever reason.
  • 46. Patient safety and EMR x Being committed to patient safety Singapore introduced a project to document the prevalence of medical errors in 2003 which documented 1000 death annually due to inappropriate use of pharmaceuticals and medical devices. x Accordingly, the government started making electronic medical records (EMRs) compulsory. x Nine polyclinics affiliated with the National Healthcare Group (NHG) started to use the scheme in October 2009 and now is slated out for the remainder. x The creation of the new electronic records system is supported by the investment of around SGD200mn (US$139mn).
  • 47. Health Promotion Board x Established in 2001, the Health Promotion Board (HPB) has a vision to build a nation of healthy and happy people. x Main driver for national health promotion and disease prevention programmes. x Goal is to increase the quality and years of healthy life and prevent illness, disability and premature death. x About 36 programmes are listed in HPB-A few of them worth mentioning are- Adult Oral Health Promotion Programme , AIDS Education Programme, BreastScreen Singapore, Healthy Eating in Schools Programme, National Brisk Walking Programme, Nurture Your Mind For Older Persons (NYMOP), Physical Activity Programmes Schedule, RESPECT and STI/AIDS Prevention Programmes for Youths
  • 48. Health expenditure analysis x Total health care expenditure in Singapore in 1995 reached S$3,545 million in 1995. It represented nearly 42 times(S$85million) that in 1960 and 2.7(S$1312) times that in 1986 . x GDP fluctuated at around 3% to 4% since 1960. x Health care expenditure per person has increased more than two times between 1986 (S$524.8) and 1995 (S$1,181.7).
  • 50. Share of Financial responsibilty
  • 51.
  • 52.
  • 53.
  • 55. x WHO Health System Rank 6th in the world The story behind the scenes….
  • 56.
  • 57. Political x Political Stability since 1965( PAP)Effectiveness of policy of delivery mechanism of public services and no disruption of policy implementation. Singapore enjoys a very stable political system x Strong foundation with regulation and guidelines ( Intellectual and property rights) x Official promises have been made to eradicate Singapore’s reputation as an overprotective nanny-state, with efforts to enhance freedom of expression. x Strong relationship between the public and the govt that help overcome barrier in the process of building , maintaining and developing the nation.
  • 58. Economic x Strong market foundations consistent growth x Imports most of resources and largely export dependent x Other weaknesses are the public feelings of insecurity and concern xxx x about making mistakes and being fined The SARS outbreak in 2003 The war in Iraq in 2002 long-term economic problems. Competition from low-cost neighbouring countries is on the increase and its population is ageing rapidly. In the face of regional competition for both exports and investment, the government is encouraging economic diversification to boost competitiveness. New areas being promoted include biomedical sciences, medical and financial services, and tourism.
  • 59. Social x Ethnic diversity of Chinese, Malaysians and Indians. x Worlds cleanest city and the least corrupt city x HDI 27th rank in the world x The worlds only slum free city x 100% Urban population x The social strengths of Singapore have been demonstrated by an educational system that produces a well-educated workforce . x Not only developing its own pool of local talents, Singapore also recruits foreign talents to work in both the public and private sectors.
  • 60. Technology x Technologically, Singapore has a high-tech based economy. x x x x x Well-prepared infrastructure and the latest technology contribute to the rapid development. IT literate and English Proficient Nationwide electronic Citizen (e-Citizen) programme. The Ministry of Health website Opening up of the market. Personal Health Records and Electronic Medical Records.
  • 62. Individual Responsibility Political will 3 M Medical Savings Account stable government and economy. availability of skilled medical professional latest medical technology. E Health In terms of accessibility, location and air links Strengths Strong intellectual property (IP) protection laws. Favourable tax climate for foreign investment. World-class capabilities across the entire value chain, (research to support services). x Well-established research infrastructure backed by strong supporting industries. x Singapore is the least corrupt country in Asia,(Transparency International) xxxxxxxxxxx Strengths
  • 63. Weakness x Ageing Population “silver industry” x Hospital based Health Care system x Resource poor x Shortage of health care professionals x Small population size, which limits longer-term market potential. x The Singapore government censors the media and limits the distribution of foreign publications. The judiciary’s record of siding with prominent politicians calls into question the true extent of its neutrality in any contract dispute involving a politically sensitive issue
  • 64. Opportunities x Medical tourism x Government focused on developing Singapore into a hub x x x x for pharmaceuticals Medical devices, clinical trials and biotechnology, attracting both foreign investment and patients. There is currently a government-inspired push to 'go regional', strengthening Singapore's position as a hub of medical excellence in SE Asia. ASEAN Countries Trade policies Also planned is the creation of a multi million-dollar medical services park, to be co-located with a tertiary hospital.
  • 65. Threats x Changing Disease Profiles x Costs via high technology and high standards x Rising AIDS,TB x Lifestyle related Diseases x There are fears that Singapore’s foreign policy alignment with the US will cause the city-state to become a target for terror attacks launched by Muslim extremists. Terorism
  • 66. Challenges x The number of seniors will increase from 8.4% in 2005 to 18.7% in 2030. In absolute terms, seniors will increase from about 296,900 in June 2005 to 873,300 in 2030 x Healthier. In terms of mobility, about 87% of seniors are ambulant and physically independent. They will also be living longer x Better educated. The proportion of seniors aged 65 – 74 with at least a secondary education is projected to increase from 13.9% in 2005 to 28% by 2010 and to 63% by 2030. x Richer. Each successive cohort of older people will be increasingly affluent and wield greater economic power. As consumers, they represent a potentially large and untapped market sector.
  • 67. Challenges Cont. x Cost containment vis-a-vis a rapidly ageing population: increasing x x x x x health care costs due to advances in medical specialisation as well as the use of expensive medical technologies. Quality of care, while medical audit and quality assurance are currently still relatively underdeveloped Medical manpower planning: especially in nursing home nursing and ancillary health personnel. Harnessing information technology: Singapore is working towards a National Health Information System that will allow the seamless flow of information, such as electronic medical records, across all health care establishments; Increased demand and expectations from the more affluent and educated population. Diseases that are 'lifestyle-related'. 'Westerners'. HIV-infected people are very often considered as isolated cases who have been 'exposed ‘to foreigners.
  • 68. x What Do the people of Singapore feel about their healthcare system??
  • 69. Public Perceptions of Healthcare in Singapore: Case Study (August 2006) x x x x Jeremy FY Lim, Veena Dhanajay Joshi, conducted a survey of Singapore residents to determine perceptions of the affordability and quality of healthcare in Singapore. A sampling frame comprising 6146 random telephone numbers from the 2005/2006 of the Singapore telephone directory was generated. Trained interviewers then conducted the survey via telephone using a questionnaire that was purpose designed for this survey. Respondents were asked to rank their agreement with statements pertaining to healthcare cost and quality on a 5-point Likert scale. x There were 1783 respondents to the survey.
  • 70. Result Of the Study
  • 72. x Conclusion: Singaporeans are confident in the Singapore healthcare system and sentiments appear to be more positive when compared to other countries.
  • 75. Comparative Analysis Dr. Shekhar S. Gaddam
  • 76. Key components of a well functioning health system ----WHO x Leadership and Governance x Health financing x Human resources for health x Essential medical products and technologies x Service delivery x Health information systems
  • 77. Leadership and Governance x Ensuring that health authorities take responsibility for steering the entire health system (including the private sector) x Set clear direction through transparent and inclusive process of -- -- planning and strategy -- accountability -- monitoring and evaluation
  • 78. …Leadership and Governance ctd… Responsibility / governance Planning & strategy Monitoring & evaluation Accountability France Germany UK US Singapore No …yes… yes …yes… yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes …yes… Yes
  • 79. Health Financing x A system to raise sufficient funds for health fairly x A system to pool financial resources x Ensure efficient use of funds
  • 80. …Health Financing ctd… Fairness France Germany UK US Singapore Pooling …yes… Yes Yes Yes Yes / no Efficient utilisation Yes /no Yes Yes/ no No Yes …yes… Yes Yes /no No Yes
  • 81. Human Resources for Health x Arrangements for achieving sufficient health professionals in right mix x Ensure system wide deployment and distribution according to needs
  • 82. …Human Resources for Health ctd… Sufficient no. Right mix Efficient deployment ?Yes ?Yes France Germany Yes Yes Yes Yes UK US Singapore No Yes No Yes Yes Yes Yes No No
  • 83. Essential Medical Products and Technology x Medical products regulatory system (marketing, safety, quality, etc) x National list of essential medical products x Availability and price monitoring system x A national programme to promote rational prescribing
  • 84. …Essential Medical Products and Technology ctd… Regulatory system List of essential medical products Yes Yes Yes Yes Yes Monitoring of availability and price Yes Yes Yes Yes Yes Programme for rational prescription Yes Yes Yes Yes Partly yes France Germany UK US Singapore Yes Yes Yes Yes Partly yes
  • 85. Service Delivery x Network of close-to-client primary care and back-up of specialized care x Standard norms and guidelines to ensure access, quality, safety andpeople-centeredness x Mechanisms to hold providers accountable for access and quality, and to ensure consumer voice
  • 86. …Service Delivery ctd… Close-to-pt primary care Norms to ensure access/quality /safety Yes Yes Yes Yes / no Yes People centeredness Accountability of providers France Germany UK US Singapore Yes Yes Yes Yes Yes Yes /no Yes /no Yes / no …Yes… Yes / recently ? Yes Yes Yes Yes / no Yes
  • 87. Health Information System x Health information system x Health management information system
  • 88. …Health Information System ctd… HMS France Germany UK Yes and developing Yes and developing Yes and developing HMIS Yes Yes Yes US Singapore Yes Yes and developing Yes Yes
  • 89. Health Indicators Country France Germany UK US Life expectancy in yrs (m/f/both) 78/85/81 77/83/80 78/82/80 76/81/78 HALE in yrs (m/f/both) 71/76/73 71/75/73 71/73/72 68/72/70 Singapore 79/83/81 71/75/73
  • 90. …Health Indicators ctd… IMR / 1000 live births France Germany 3 4 Less than 5 yrs MR / 1000 4 4 MMR / 1000 deliveries 8 6 Adult MR (prb death 15- 49)/1000 87 78 UK US Singapore 5 7 2 6 8 3 7 13 8 78 107 64
  • 91. …Health Indicators ctd… Physicians / 10,000 France Germany UK US Specialists / 10,000 17 20.3 17.7 14.6 Nurses / 10,000 Hospital beds / 10,000 81 80 6 98 37 35 21 27 72 83 39 31 Singapore 17 7.8 54 32
  • 92. Health Expenditure Expenditure % Govt share in of GDPexpenditure (%) France Germany UK US Singapore 11 10.4 8.4 15.7 3.1 79 76.9 81.7 45.5 32.6 Pvt share in expentiture (%) 21 23.1 18.3 54.5 67.4 Per capita expenditre using PPP (US$ 3709 3588 2992 7285 1643
  • 93. 1) Is AMD(Advance Medical Directive ) = EUTHANASIA ???????? 2) Human Organ Transplant Act (Hota) Can we have it in India ????????