Meeting healthcare costs: the case of childhood cancer in Singapore

Social security in Singapore is met by a compulsory personal savings scheme under the Central Provident Fund. Part of these savings go towards the individual's healthcare needs which are met through a spectrum of three schemes – Medisave, Medishield and Medifund, or the '3Ms'. This study examines the effectiveness of the '3Ms' in making healthcare services affordable to families with cancer-stricken children. The extent to which the '3Ms' support costly cancer treatment is an indication of the healthcare financing system's ability to meet diverse healthcare needs. Literature research and interviews with medical social workers and families with cancer-stricken children indicate that the '3Ms' are unable to support these families' medical needs without the help of voluntary welfare organisations. This suggests that there is a need to question a rigid adherence to financial prudence and consider a more flexible healthcare system that is responsive to varied needs.