# records

record_id: record_hash_2100ff14b88e7d52022eeeec12f5a0a0
app_id: Direct Query Engine
input: "Disability Income will not terminate when the insured________."
tags: -
perf_json: {"start_time": "2024-02-15T15:33:46.528494", "end_time": "2024-02-15T15:33:47.700231"}
output:
  "Disability Income will not terminate when the insured is unable to work due to an accident or illness, subject to certain conditions."

record_json:
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"creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "46043a4a-559f-4910-afb3-14d711cd1b34", "node_type": "4", "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "38d015aff1e8ec6bf67e3e4f67990d5efbb24d06c2eda25b0c3a54a865f1e046"}, "2": {"node_id": "51bfe7bd-c47e-417c-8b43-f7cffefe417f", "node_type": "1", "metadata": {"page_label": "104", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "85ba0149f08e577d051a086a20a893bb6444912db2db6ce7d55ff485c5c81b6d"}, "3": {"node_id": "8df50ad3-c5e4-4f6a-bed7-59490d3f5bed", "node_type": "1", "metadata": {}, "hash": "2b0a160b7bc39393a2ad36e2e4f4642a1ed34b46641d5eb45412c6ecbc70bbc3"}}, "hash": "3fff43973ac2c74e6121021228ef97b46f63f7194ca62fda727d0b6ece3a1976", "text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "start_char_idx": 0, "end_char_idx": 2838, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, {"id_": "f3ac8766-9266-4579-a542-91ff62f9fe96", "embedding": null, "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d0d00f2b-92a5-4712-8fc1-c421ecf67d0b", "node_type": "4", "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "38d015aff1e8ec6bf67e3e4f67990d5efbb24d06c2eda25b0c3a54a865f1e046"}, "2": {"node_id": "53355464-42b4-4adf-b573-7a48446b086f", "node_type": "1", "metadata": {"page_label": "104", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "009d2cb9b92716597f2dc89490222d80d451207fd5953af1da827431a415ec4e"}, "3": {"node_id": "a54d40e5-d3fb-42c7-8caf-10a7b556f9fc", "node_type": "1", "metadata": {}, "hash": "2b0a160b7bc39393a2ad36e2e4f4642a1ed34b46641d5eb45412c6ecbc70bbc3"}}, "hash": "3fff43973ac2c74e6121021228ef97b46f63f7194ca62fda727d0b6ece3a1976", "text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "start_char_idx": 0, "end_char_idx": 2838, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}], "similarities": [0.47575425916234515, 0.47575425916234515], "ids": ["3c469f31-c3ed-4c8b-a8ba-86f3fc7fd0af", "f3ac8766-9266-4579-a542-91ff62f9fe96"]}, "error": null, "perf": {"start_time": "2024-02-15T15:33:46.669778", "end_time": "2024-02-15T15:33:46.687435"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": 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"text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "start_char_idx": 0, "end_char_idx": 2838, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47575425916234515}, {"node": {"id_": "f3ac8766-9266-4579-a542-91ff62f9fe96", "embedding": null, "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d0d00f2b-92a5-4712-8fc1-c421ecf67d0b", "node_type": "4", "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "38d015aff1e8ec6bf67e3e4f67990d5efbb24d06c2eda25b0c3a54a865f1e046"}, "2": {"node_id": "53355464-42b4-4adf-b573-7a48446b086f", "node_type": "1", "metadata": {"page_label": "104", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "009d2cb9b92716597f2dc89490222d80d451207fd5953af1da827431a415ec4e"}, "3": {"node_id": "a54d40e5-d3fb-42c7-8caf-10a7b556f9fc", "node_type": "1", "metadata": {}, "hash": "2b0a160b7bc39393a2ad36e2e4f4642a1ed34b46641d5eb45412c6ecbc70bbc3"}}, "hash": "3fff43973ac2c74e6121021228ef97b46f63f7194ca62fda727d0b6ece3a1976", "text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "start_char_idx": 0, "end_char_idx": 2838, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47575425916234515}], "error": null, "perf": {"start_time": "2024-02-15T15:33:46.580811", "end_time": "2024-02-15T15:33:46.688468"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, 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"application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "46043a4a-559f-4910-afb3-14d711cd1b34", "node_type": "4", "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "38d015aff1e8ec6bf67e3e4f67990d5efbb24d06c2eda25b0c3a54a865f1e046"}, "2": {"node_id": "51bfe7bd-c47e-417c-8b43-f7cffefe417f", "node_type": "1", "metadata": {"page_label": "104", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "85ba0149f08e577d051a086a20a893bb6444912db2db6ce7d55ff485c5c81b6d"}, "3": {"node_id": "8df50ad3-c5e4-4f6a-bed7-59490d3f5bed", "node_type": "1", "metadata": {}, "hash": "2b0a160b7bc39393a2ad36e2e4f4642a1ed34b46641d5eb45412c6ecbc70bbc3"}}, "hash": "3fff43973ac2c74e6121021228ef97b46f63f7194ca62fda727d0b6ece3a1976", "text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "start_char_idx": 0, "end_char_idx": 2838, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47575425916234515}, {"node": {"id_": "f3ac8766-9266-4579-a542-91ff62f9fe96", "embedding": null, "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d0d00f2b-92a5-4712-8fc1-c421ecf67d0b", "node_type": "4", "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "38d015aff1e8ec6bf67e3e4f67990d5efbb24d06c2eda25b0c3a54a865f1e046"}, "2": {"node_id": "53355464-42b4-4adf-b573-7a48446b086f", "node_type": "1", "metadata": {"page_label": "104", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "009d2cb9b92716597f2dc89490222d80d451207fd5953af1da827431a415ec4e"}, "3": {"node_id": "a54d40e5-d3fb-42c7-8caf-10a7b556f9fc", "node_type": "1", "metadata": {}, "hash": "2b0a160b7bc39393a2ad36e2e4f4642a1ed34b46641d5eb45412c6ecbc70bbc3"}}, "hash": "3fff43973ac2c74e6121021228ef97b46f63f7194ca62fda727d0b6ece3a1976", "text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "start_char_idx": 0, "end_char_idx": 2838, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47575425916234515}], "error": null, "perf": {"start_time": "2024-02-15T15:33:46.559588", "end_time": "2024-02-15T15:33:46.689340"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "Refine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "Disability Income will not terminate when the insured________.", "text_chunks": ["page_label: 105\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.\n\npage_label: 105\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy."], "prev_response": null}, "rets": "Disability Income will not terminate when the insured is unable to work due to an accident or illness, subject to certain conditions.", "error": null, "perf": {"start_time": "2024-02-15T15:33:46.726311", "end_time": "2024-02-15T15:33:47.697180"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "Disability Income will not terminate when the insured________.", "text_chunks": ["page_label: 105\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "page_label: 105\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy."]}, "rets": "Disability Income will not terminate when the insured is unable to work due to an accident or illness, subject to certain conditions.", "error": null, "perf": {"start_time": "2024-02-15T15:33:46.707106", "end_time": "2024-02-15T15:33:47.697286"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 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"file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "46043a4a-559f-4910-afb3-14d711cd1b34", "node_type": "4", "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "38d015aff1e8ec6bf67e3e4f67990d5efbb24d06c2eda25b0c3a54a865f1e046"}, "2": {"node_id": "51bfe7bd-c47e-417c-8b43-f7cffefe417f", "node_type": "1", "metadata": {"page_label": "104", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "85ba0149f08e577d051a086a20a893bb6444912db2db6ce7d55ff485c5c81b6d"}, "3": {"node_id": "8df50ad3-c5e4-4f6a-bed7-59490d3f5bed", "node_type": "1", "metadata": {}, "hash": "2b0a160b7bc39393a2ad36e2e4f4642a1ed34b46641d5eb45412c6ecbc70bbc3"}}, "hash": "3fff43973ac2c74e6121021228ef97b46f63f7194ca62fda727d0b6ece3a1976", "text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "start_char_idx": 0, "end_char_idx": 2838, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47575425916234515}, {"node": {"id_": "f3ac8766-9266-4579-a542-91ff62f9fe96", "embedding": null, "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d0d00f2b-92a5-4712-8fc1-c421ecf67d0b", "node_type": "4", "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "38d015aff1e8ec6bf67e3e4f67990d5efbb24d06c2eda25b0c3a54a865f1e046"}, "2": {"node_id": "53355464-42b4-4adf-b573-7a48446b086f", "node_type": "1", "metadata": {"page_label": "104", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "009d2cb9b92716597f2dc89490222d80d451207fd5953af1da827431a415ec4e"}, "3": {"node_id": "a54d40e5-d3fb-42c7-8caf-10a7b556f9fc", "node_type": "1", "metadata": {}, "hash": "2b0a160b7bc39393a2ad36e2e4f4642a1ed34b46641d5eb45412c6ecbc70bbc3"}}, "hash": "3fff43973ac2c74e6121021228ef97b46f63f7194ca62fda727d0b6ece3a1976", "text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "start_char_idx": 0, "end_char_idx": 2838, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47575425916234515}]}, "rets": {"response": "Disability Income will not terminate when the insured is unable to work due to an accident or illness, subject to certain conditions.", "source_nodes": [{"node": {"id_": "3c469f31-c3ed-4c8b-a8ba-86f3fc7fd0af", "embedding": null, "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "46043a4a-559f-4910-afb3-14d711cd1b34", "node_type": "4", "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "38d015aff1e8ec6bf67e3e4f67990d5efbb24d06c2eda25b0c3a54a865f1e046"}, "2": {"node_id": "51bfe7bd-c47e-417c-8b43-f7cffefe417f", "node_type": "1", "metadata": {"page_label": "104", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "85ba0149f08e577d051a086a20a893bb6444912db2db6ce7d55ff485c5c81b6d"}, "3": {"node_id": "8df50ad3-c5e4-4f6a-bed7-59490d3f5bed", "node_type": "1", "metadata": {}, "hash": "2b0a160b7bc39393a2ad36e2e4f4642a1ed34b46641d5eb45412c6ecbc70bbc3"}}, "hash": "3fff43973ac2c74e6121021228ef97b46f63f7194ca62fda727d0b6ece3a1976", "text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "start_char_idx": 0, "end_char_idx": 2838, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47575425916234515}, {"node": {"id_": "f3ac8766-9266-4579-a542-91ff62f9fe96", "embedding": null, "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d0d00f2b-92a5-4712-8fc1-c421ecf67d0b", "node_type": "4", "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "38d015aff1e8ec6bf67e3e4f67990d5efbb24d06c2eda25b0c3a54a865f1e046"}, "2": {"node_id": "53355464-42b4-4adf-b573-7a48446b086f", "node_type": "1", "metadata": {"page_label": "104", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "009d2cb9b92716597f2dc89490222d80d451207fd5953af1da827431a415ec4e"}, "3": {"node_id": "a54d40e5-d3fb-42c7-8caf-10a7b556f9fc", "node_type": "1", "metadata": {}, "hash": "2b0a160b7bc39393a2ad36e2e4f4642a1ed34b46641d5eb45412c6ecbc70bbc3"}}, "hash": "3fff43973ac2c74e6121021228ef97b46f63f7194ca62fda727d0b6ece3a1976", "text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "start_char_idx": 0, "end_char_idx": 2838, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47575425916234515}], "metadata": {"3c469f31-c3ed-4c8b-a8ba-86f3fc7fd0af": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "f3ac8766-9266-4579-a542-91ff62f9fe96": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:46.690580", "end_time": "2024-02-15T15:33:47.697366"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}], "args": {"str_or_query_bundle": "Disability Income will not terminate when the insured________."}, "rets": {"response": "Disability Income will not terminate when the insured is unable to work due to an accident or illness, subject to certain conditions.", "source_nodes": [{"node": {"id_": "3c469f31-c3ed-4c8b-a8ba-86f3fc7fd0af", "embedding": null, "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "46043a4a-559f-4910-afb3-14d711cd1b34", "node_type": "4", "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "38d015aff1e8ec6bf67e3e4f67990d5efbb24d06c2eda25b0c3a54a865f1e046"}, "2": {"node_id": "51bfe7bd-c47e-417c-8b43-f7cffefe417f", "node_type": "1", "metadata": {"page_label": "104", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "85ba0149f08e577d051a086a20a893bb6444912db2db6ce7d55ff485c5c81b6d"}, "3": {"node_id": "8df50ad3-c5e4-4f6a-bed7-59490d3f5bed", "node_type": "1", "metadata": {}, "hash": "2b0a160b7bc39393a2ad36e2e4f4642a1ed34b46641d5eb45412c6ecbc70bbc3"}}, "hash": "3fff43973ac2c74e6121021228ef97b46f63f7194ca62fda727d0b6ece3a1976", "text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. No escalation benefit.\nPartial disability benefit is available. Partial disability benefit is not \navailable.\nChoice of deferred/elimination period \nis available (e.g. one month, three \nmonths, six months, etc.).No deferred period as specified (but \nusually there is a 6-month waiting \nperiod requirement as proof of \npermanent disability). \nIt is usually only available to working \nadults with earned income/salary. There is usually no restriction on \nnon-working people, e.g. children and \nhousewives, as it is bundled with the \ndeath benefit under a Life Insurance \npolicy.", "start_char_idx": 0, "end_char_idx": 2838, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47575425916234515}, {"node": {"id_": "f3ac8766-9266-4579-a542-91ff62f9fe96", "embedding": null, "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d0d00f2b-92a5-4712-8fc1-c421ecf67d0b", "node_type": "4", "metadata": {"page_label": "105", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "38d015aff1e8ec6bf67e3e4f67990d5efbb24d06c2eda25b0c3a54a865f1e046"}, "2": {"node_id": "53355464-42b4-4adf-b573-7a48446b086f", "node_type": "1", "metadata": {"page_label": "104", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "009d2cb9b92716597f2dc89490222d80d451207fd5953af1da827431a415ec4e"}, "3": {"node_id": "a54d40e5-d3fb-42c7-8caf-10a7b556f9fc", "node_type": "1", "metadata": {}, "hash": "2b0a160b7bc39393a2ad36e2e4f4642a1ed34b46641d5eb45412c6ecbc70bbc3"}}, "hash": "3fff43973ac2c74e6121021228ef97b46f63f7194ca62fda727d0b6ece3a1976", "text": "10\nDISABILITY INCOME INSURANCECHAPTER\n04\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nWhat is Disability Income \nInsurance?It is sold as an income-protection product in that it helps to replace a portion of the \ninsured\u2019s income that he loses if he becomes incapacitated and unable to work as a \nresult of an accident or illness, subject to certain conditions.\nDifferentiate between \nDisability Income \nInsurance and Total and \nPermanent Disability \nBenefit\nHow Disability Income \nInsurance works?\u2022 Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \n\u2022 Most insurers also impose a ceiling on the income to be covered (e.g. S$15,000). \n\u2022 Some insurers grant a lower percentage for the self-employed, e.g. 60% of the \npast 12 months\u2019 income. \n\u2022 The purpose of replacing only a certain percentage of the insured\u2019s income is to \nensure that the insured will not be better off financially from the benefit which \nhe receives under his Disability Income Insurance policy, so that he will have the \nincentive to go back to work.Disability Income Insurance  Total And Permanent Disability \nBenefit \nProvides an income replacement if the \ninsured is unable to work.Serves to accelerate the death benefit \npayable under a Life Insurance policy, \nto alleviate the financial burden \nor hardship of the insured and his \ndependants.\nBenefits are payable on a monthly \nbasis for up to a fixed number of years \n(such as five or ten years), or until the \ninsured reaches a certain age (such as \nthe age of 60 or 65 years).Benefit under the Total and \nPermanent Disability Benefit is \npayable in instalments, or one lump \nsum, depending on the terms and \nconditions as specified in the Life \nInsurance policy.\nDisability definition relates to the \nextent the insured can fulfil the duties \nof his occupation.Disability is defined to be total and \npermanent, such as loss of limbs or \nloss of eyesight. \nIt can be purchased as a stand-alone \npolicy or as a rider.It is usually incorporated into the Life \nInsurance policies in Singapore. \nMaximum sum assured is up to a \nspecified percentage of the salary.Sum assured is not pegged to salary.\nEscalation benefit is available. 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record_id: record_hash_08fe5fc7532c746b8090d8ca67244798
app_id: Direct Query Engine
input: "Which of the following regarding Long Term Care Insurance (LTCI) is true?"
tags: -
perf_json: {"start_time": "2024-02-15T15:33:47.779459", "end_time": "2024-02-15T15:33:49.403267"}
output:
  "Long Term Care Insurance (LTCI) offers an alternative to supplement any public benefit or other sources of funds that customers may have, covering care generally not covered by other medical insurance. It pays in addition to other insurance policies that the insured has, such as MediShield Life, Hospital Income, and Critical Illness Insurance policy."

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Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "start_char_idx": 0, "end_char_idx": 3033, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, {"id_": "d6b7c093-9a37-4a00-9de0-4ef5b8ebe114", "embedding": null, "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "92b53d4c-b0e7-4da4-bbd8-da3d27122bdd", "node_type": "4", "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "fc77b0027c5b88d35546e8ae991a8b47545d89170b647aeb5e80a9276f6cd8a4"}, "2": {"node_id": "9eadcf9f-9593-4df3-88b6-5610ce99941d", "node_type": "1", "metadata": {"page_label": "113", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "7d5db65c30f54ceafa20cb7e0b33846b06a4b40d9c157621ddb19ed7e94e0400"}, "3": {"node_id": "e58a7e3d-9f48-453d-90b8-595859c95da6", "node_type": "1", "metadata": {}, "hash": "1fd339f83228b17969ff93b707e8405d26feb353ac08bad0e89e6f26312a2b71"}}, "hash": "73d4554b24ee9e3f76a353b85b48d9e809c3146210a3f49d37ea7df1d936a4a7", "text": "5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. 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Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "start_char_idx": 0, "end_char_idx": 3033, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5424902316889695}, {"node": {"id_": "d6b7c093-9a37-4a00-9de0-4ef5b8ebe114", "embedding": null, "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "92b53d4c-b0e7-4da4-bbd8-da3d27122bdd", "node_type": "4", "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "fc77b0027c5b88d35546e8ae991a8b47545d89170b647aeb5e80a9276f6cd8a4"}, "2": {"node_id": "9eadcf9f-9593-4df3-88b6-5610ce99941d", "node_type": "1", "metadata": {"page_label": "113", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "7d5db65c30f54ceafa20cb7e0b33846b06a4b40d9c157621ddb19ed7e94e0400"}, "3": {"node_id": "e58a7e3d-9f48-453d-90b8-595859c95da6", "node_type": "1", "metadata": {}, "hash": "1fd339f83228b17969ff93b707e8405d26feb353ac08bad0e89e6f26312a2b71"}}, "hash": "73d4554b24ee9e3f76a353b85b48d9e809c3146210a3f49d37ea7df1d936a4a7", "text": "5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "start_char_idx": 0, "end_char_idx": 3033, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5424902316889695}], "error": null, "perf": {"start_time": "2024-02-15T15:33:47.838904", "end_time": "2024-02-15T15:33:47.963395"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": 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[{"node": {"id_": "e164b879-bf07-4037-8af1-6fb4eb2b5295", "embedding": null, "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d16b2ac4-6dd5-4a8d-b878-dacc495c3561", "node_type": "4", "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "fc77b0027c5b88d35546e8ae991a8b47545d89170b647aeb5e80a9276f6cd8a4"}, "2": {"node_id": "1e3e020b-eb48-4d23-858c-5a424cc98780", "node_type": "1", "metadata": {"page_label": "113", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "9db9bf2fe846a8572b75b9db3c6737a44efc2b7865a1be97a7c18bd1d2936e53"}, "3": {"node_id": "62e32f30-3b92-42ba-b92b-6676e53f9c14", "node_type": "1", "metadata": {}, "hash": "1fd339f83228b17969ff93b707e8405d26feb353ac08bad0e89e6f26312a2b71"}}, "hash": "73d4554b24ee9e3f76a353b85b48d9e809c3146210a3f49d37ea7df1d936a4a7", "text": "5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "start_char_idx": 0, "end_char_idx": 3033, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5424902316889695}, {"node": {"id_": "d6b7c093-9a37-4a00-9de0-4ef5b8ebe114", "embedding": null, "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "92b53d4c-b0e7-4da4-bbd8-da3d27122bdd", "node_type": "4", "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "fc77b0027c5b88d35546e8ae991a8b47545d89170b647aeb5e80a9276f6cd8a4"}, "2": {"node_id": "9eadcf9f-9593-4df3-88b6-5610ce99941d", "node_type": "1", "metadata": {"page_label": "113", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "7d5db65c30f54ceafa20cb7e0b33846b06a4b40d9c157621ddb19ed7e94e0400"}, "3": {"node_id": "e58a7e3d-9f48-453d-90b8-595859c95da6", "node_type": "1", "metadata": {}, "hash": "1fd339f83228b17969ff93b707e8405d26feb353ac08bad0e89e6f26312a2b71"}}, "hash": "73d4554b24ee9e3f76a353b85b48d9e809c3146210a3f49d37ea7df1d936a4a7", "text": "5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "start_char_idx": 0, "end_char_idx": 3033, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5424902316889695}], "error": null, "perf": {"start_time": "2024-02-15T15:33:47.822109", "end_time": "2024-02-15T15:33:47.964317"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "Refine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "Which of the following regarding Long Term Care Insurance (LTCI) is true?", "text_chunks": ["page_label: 114\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.\n\npage_label: 114\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable."], "prev_response": null}, "rets": "Long Term Care Insurance (LTCI) offers an alternative to supplement any public benefit or other sources of funds that customers may have, covering care generally not covered by other medical insurance. It pays in addition to other insurance policies that the insured has, such as MediShield Life, Hospital Income, and Critical Illness Insurance policy.", "error": null, "perf": {"start_time": "2024-02-15T15:33:48.002027", "end_time": "2024-02-15T15:33:49.398992"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "Which of the following regarding Long Term Care Insurance (LTCI) is true?", "text_chunks": ["page_label: 114\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "page_label: 114\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable."]}, "rets": "Long Term Care Insurance (LTCI) offers an alternative to supplement any public benefit or other sources of funds that customers may have, covering care generally not covered by other medical insurance. It pays in addition to other insurance policies that the insured has, such as MediShield Life, Hospital Income, and Critical Illness Insurance policy.", "error": null, "perf": {"start_time": "2024-02-15T15:33:47.982311", "end_time": "2024-02-15T15:33:49.399186"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}], "args": {"query": {"query_str": "Which of the following regarding Long Term Care Insurance (LTCI) is 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"2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "9db9bf2fe846a8572b75b9db3c6737a44efc2b7865a1be97a7c18bd1d2936e53"}, "3": {"node_id": "62e32f30-3b92-42ba-b92b-6676e53f9c14", "node_type": "1", "metadata": {}, "hash": "1fd339f83228b17969ff93b707e8405d26feb353ac08bad0e89e6f26312a2b71"}}, "hash": "73d4554b24ee9e3f76a353b85b48d9e809c3146210a3f49d37ea7df1d936a4a7", "text": "5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "start_char_idx": 0, "end_char_idx": 3033, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5424902316889695}, {"node": {"id_": "d6b7c093-9a37-4a00-9de0-4ef5b8ebe114", "embedding": null, "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "92b53d4c-b0e7-4da4-bbd8-da3d27122bdd", "node_type": "4", "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "fc77b0027c5b88d35546e8ae991a8b47545d89170b647aeb5e80a9276f6cd8a4"}, "2": {"node_id": "9eadcf9f-9593-4df3-88b6-5610ce99941d", "node_type": "1", "metadata": {"page_label": "113", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "7d5db65c30f54ceafa20cb7e0b33846b06a4b40d9c157621ddb19ed7e94e0400"}, "3": {"node_id": "e58a7e3d-9f48-453d-90b8-595859c95da6", "node_type": "1", "metadata": {}, "hash": "1fd339f83228b17969ff93b707e8405d26feb353ac08bad0e89e6f26312a2b71"}}, "hash": "73d4554b24ee9e3f76a353b85b48d9e809c3146210a3f49d37ea7df1d936a4a7", "text": "5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "start_char_idx": 0, "end_char_idx": 3033, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5424902316889695}]}, "rets": {"response": "Long Term Care Insurance (LTCI) offers an alternative to supplement any public benefit or other sources of funds that customers may have, covering care generally not covered by other medical insurance. It pays in addition to other insurance policies that the insured has, such as MediShield Life, Hospital Income, and Critical Illness Insurance policy.", "source_nodes": [{"node": {"id_": "e164b879-bf07-4037-8af1-6fb4eb2b5295", "embedding": null, "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d16b2ac4-6dd5-4a8d-b878-dacc495c3561", "node_type": "4", "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "fc77b0027c5b88d35546e8ae991a8b47545d89170b647aeb5e80a9276f6cd8a4"}, "2": {"node_id": "1e3e020b-eb48-4d23-858c-5a424cc98780", "node_type": "1", "metadata": {"page_label": "113", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "9db9bf2fe846a8572b75b9db3c6737a44efc2b7865a1be97a7c18bd1d2936e53"}, "3": {"node_id": "62e32f30-3b92-42ba-b92b-6676e53f9c14", "node_type": "1", "metadata": {}, "hash": "1fd339f83228b17969ff93b707e8405d26feb353ac08bad0e89e6f26312a2b71"}}, "hash": "73d4554b24ee9e3f76a353b85b48d9e809c3146210a3f49d37ea7df1d936a4a7", "text": "5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "start_char_idx": 0, "end_char_idx": 3033, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5424902316889695}, {"node": {"id_": "d6b7c093-9a37-4a00-9de0-4ef5b8ebe114", "embedding": null, "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "92b53d4c-b0e7-4da4-bbd8-da3d27122bdd", "node_type": "4", "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "fc77b0027c5b88d35546e8ae991a8b47545d89170b647aeb5e80a9276f6cd8a4"}, "2": {"node_id": "9eadcf9f-9593-4df3-88b6-5610ce99941d", "node_type": "1", "metadata": {"page_label": "113", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "7d5db65c30f54ceafa20cb7e0b33846b06a4b40d9c157621ddb19ed7e94e0400"}, "3": {"node_id": "e58a7e3d-9f48-453d-90b8-595859c95da6", "node_type": "1", "metadata": {}, "hash": "1fd339f83228b17969ff93b707e8405d26feb353ac08bad0e89e6f26312a2b71"}}, "hash": "73d4554b24ee9e3f76a353b85b48d9e809c3146210a3f49d37ea7df1d936a4a7", "text": "5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "start_char_idx": 0, "end_char_idx": 3033, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5424902316889695}], "metadata": {"e164b879-bf07-4037-8af1-6fb4eb2b5295": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "d6b7c093-9a37-4a00-9de0-4ef5b8ebe114": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:47.965587", "end_time": "2024-02-15T15:33:49.399343"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}], "args": {"str_or_query_bundle": "Which of the following regarding Long Term Care Insurance (LTCI) is true?"}, "rets": {"response": "Long Term Care Insurance (LTCI) offers an alternative to supplement any public benefit or other sources of funds that customers may have, covering care generally not covered by other medical insurance. It pays in addition to other insurance policies that the insured has, such as MediShield Life, Hospital Income, and Critical Illness Insurance policy.", "source_nodes": [{"node": {"id_": "e164b879-bf07-4037-8af1-6fb4eb2b5295", "embedding": null, "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d16b2ac4-6dd5-4a8d-b878-dacc495c3561", "node_type": "4", "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "fc77b0027c5b88d35546e8ae991a8b47545d89170b647aeb5e80a9276f6cd8a4"}, "2": {"node_id": "1e3e020b-eb48-4d23-858c-5a424cc98780", "node_type": "1", "metadata": {"page_label": "113", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "9db9bf2fe846a8572b75b9db3c6737a44efc2b7865a1be97a7c18bd1d2936e53"}, "3": {"node_id": "62e32f30-3b92-42ba-b92b-6676e53f9c14", "node_type": "1", "metadata": {}, "hash": "1fd339f83228b17969ff93b707e8405d26feb353ac08bad0e89e6f26312a2b71"}}, "hash": "73d4554b24ee9e3f76a353b85b48d9e809c3146210a3f49d37ea7df1d936a4a7", "text": "5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "start_char_idx": 0, "end_char_idx": 3033, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5424902316889695}, {"node": {"id_": "d6b7c093-9a37-4a00-9de0-4ef5b8ebe114", "embedding": null, "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "92b53d4c-b0e7-4da4-bbd8-da3d27122bdd", "node_type": "4", "metadata": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "fc77b0027c5b88d35546e8ae991a8b47545d89170b647aeb5e80a9276f6cd8a4"}, "2": {"node_id": "9eadcf9f-9593-4df3-88b6-5610ce99941d", "node_type": "1", "metadata": {"page_label": "113", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "7d5db65c30f54ceafa20cb7e0b33846b06a4b40d9c157621ddb19ed7e94e0400"}, "3": {"node_id": "e58a7e3d-9f48-453d-90b8-595859c95da6", "node_type": "1", "metadata": {}, "hash": "1fd339f83228b17969ff93b707e8405d26feb353ac08bad0e89e6f26312a2b71"}}, "hash": "73d4554b24ee9e3f76a353b85b48d9e809c3146210a3f49d37ea7df1d936a4a7", "text": "5. Long -Term Care Insurance  \n \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   91  \n2.3 Although LTC is a complex and relatively high -cost product, it offers customers \nan alternative to supplement any public benefit or other sources of funds that \nthey may have. LTC Insurance covers care generally not covered by other \nMedical Insurance. It will pay in addition to other insurance policies that the \ninsured has, e.g. MediShield  Life, Hospi tal Income and Critical Illness Insurance \npolicy . \n \n \n3. BENEFITS OFFERED UNDER LTC  INSURANCE  \n \nA. Types Of LTC Policies  \n \n3.1 Two types of LTC policies are available and they are:  \n(a) \u201cService -based\u201d  policy pays a benefit when a n insured incurs costs for a \nservice covered under the policy  (e.g. home care or nursing care)  and \nsatisfies the benefit trigger. This type of policy can pay benefits in two ways:  \n\u25aa Expense incurred method  where  the insurer will reimburse the insured \nfor the cost incurred in using one of the services covered under the \npolicy, up to the  covered amount.  \n\u25aa Indemnity method  pays the covered amount , regard less of the actual  \ncost of the services received.  \n \n(b) \u201cDisability -based\u201d  polic y pays a benefit when a n insured meets the benefit \ntrigger, regardless of the service use. The benefit  trigger may be based on \nlimitations in ADLs and/or degree of cognitive impairment. This means that \nthe benefits may be paid if the insured is diagnosed to be suffering from \nadvanced dementia (including Alzheimer\u2019s disease) , or when the insured is \nassessed to be suffering significant limitations in ADLs, or where there is a \ndeterioration or loss of intellectual capacity resulting in a significant \nreduction in mental and social fu nctioning, and the need for  continuous \nsupervision.  \n \n3.2 Benefits are usually  paid daily or monthly:  \n(a) The \u201cdaily benefit\u201d  polic y provides  up to  the fixed benefit amount per day \n(e.g. up to S$300 per day) usually to cover costs incurred on nursing home \ncare services. Such policies may also include home care benefits which are \nusually expressed as a percentage (e.g. 50%) of the nursing care benefit. \nThis type of policy may be issued on a \u201cservice -based\u201d or \u201cdisabili ty-based\u201d \nbasis.  \n(b) The \u201cmonthly benefit\u201d  policy is the most common type of LTC plan found \nin Singapore . This policy pays a monthly cash benefit to the insured upon  \nbeing certified by an approved and registered medical practitioner to be \nunable to perform the specified minimum number of defined ADLs after a \nprescribed period . Some insurers pay 100% of the LTC monthly benefit if the \ninsured is unable to perform at least the minimum number of ADLs , whereas \nothers p ay on a graduated scale, e.g. if the insured cannot perform two of \nthe six ADLs , only 50% of the LTC  monthly benefit is payable , whereas if the \ninsured cannot perform four out of the six ADLs, 100% of the LTC monthly \nbenefit will then be payable.", "start_char_idx": 0, "end_char_idx": 3033, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5424902316889695}], "metadata": {"e164b879-bf07-4037-8af1-6fb4eb2b5295": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "d6b7c093-9a37-4a00-9de0-4ef5b8ebe114": {"page_label": "114", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:47.779459", "end_time": "2024-02-15T15:33:49.403267"}, "pid": 97011, "tid": 2590337}]}

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  "Question: The fundamental principle of Singapore healthcare financing is ____________.\nA. The 3\u2019s M. That is Medisave, Medishield, Medifund.\nB. Means Testing and Casemix.\nC. Individual Savings.\nD. Tax based subsidies and government subvention."

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The 3\u2019s M. That is Medisave, Medishield, Medifund.\nB. Means Testing and Casemix.\nC. Individual Savings.\nD. Tax based subsidies and government subvention.", "output_fields": null, "embedding_field": null, "mode": "default", "alpha": null, "filters": null, "mmr_threshold": null, "sparse_top_k": null}}, "rets": {"nodes": [{"id_": "30090690-c4e7-4d5d-9636-99d188c9f45c", "embedding": null, "metadata": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5e87af42-555e-417b-ba39-919d1f87a294", "node_type": "4", "metadata": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "f772dd7ff27f6d83e4d86c7868fb385829329bf0b5e383d02d0bbe90c63ca72d"}, "2": {"node_id": "25f92ae3-7a07-4e50-b581-36cfe3690813", "node_type": "1", "metadata": {"page_label": "237", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "09b8614a3e2eec3fccbf8a7d913b73dfed8d053eba8f8421fb7b9f60a17724fd"}, "3": {"node_id": "8d9ab5ec-3301-4eda-9f80-d6cec69e6acc", "node_type": "1", "metadata": {}, "hash": "fa63ace9cdee166cbee04732b412610c238558442b0febf6c51dccc24f2fe090"}}, "hash": "23dbf19992c862832ec9ad0c19c717b612c11eeb98a63e5d2b839d150b3d3706", "text": "28\nHEALTHCARE FINANCING PART I & IICHAPTER\n09\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nSingapore government \nsubsidies \u2022 Government provides funding to public healthcare institutions (e.g. public \nhospitals, national specialty centres and polyclinics), as well as selected private \nclinics and voluntary welfare organisations (VWOs).\n\u2022 Means-test is used to target subsidies, so that needy patients can receive \nmore help; lower-income patients receive more subsidies than higher-income \npatients.\nMain components of \nSingapore\u2019s Healthcare \nFinancing System\nMediSave \u2022 National healthcare savings scheme in Singapore under the Central Provident \nBoard (CPF) umbrella.\n\u2022 Contributions to the Medisave Account (MA) are subject to a maximum amount, \nknown as the Basic Healthcare Sum (BHS). The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. 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The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. 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"2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5e87af42-555e-417b-ba39-919d1f87a294", "node_type": "4", "metadata": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "f772dd7ff27f6d83e4d86c7868fb385829329bf0b5e383d02d0bbe90c63ca72d"}, "2": {"node_id": "25f92ae3-7a07-4e50-b581-36cfe3690813", "node_type": "1", "metadata": {"page_label": "237", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "09b8614a3e2eec3fccbf8a7d913b73dfed8d053eba8f8421fb7b9f60a17724fd"}, "3": {"node_id": "8d9ab5ec-3301-4eda-9f80-d6cec69e6acc", "node_type": "1", "metadata": {}, "hash": "fa63ace9cdee166cbee04732b412610c238558442b0febf6c51dccc24f2fe090"}}, "hash": "23dbf19992c862832ec9ad0c19c717b612c11eeb98a63e5d2b839d150b3d3706", "text": "28\nHEALTHCARE FINANCING PART I & IICHAPTER\n09\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nSingapore government \nsubsidies \u2022 Government provides funding to public healthcare institutions (e.g. public \nhospitals, national specialty centres and polyclinics), as well as selected private \nclinics and voluntary welfare organisations (VWOs).\n\u2022 Means-test is used to target subsidies, so that needy patients can receive \nmore help; lower-income patients receive more subsidies than higher-income \npatients.\nMain components of \nSingapore\u2019s Healthcare \nFinancing System\nMediSave \u2022 National healthcare savings scheme in Singapore under the Central Provident \nBoard (CPF) umbrella.\n\u2022 Contributions to the Medisave Account (MA) are subject to a maximum amount, \nknown as the Basic Healthcare Sum (BHS). The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. If \npaying for a sibling or grandparent, the patient must be a Singapore Citizen or \nSingapore Permanent Resident (SPR).", "start_char_idx": 0, "end_char_idx": 1650, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5651090670476552}, {"node": {"id_": "372b33dc-4184-4b49-96af-7db1e15211ef", "embedding": null, "metadata": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8036ab15-77e4-4fae-90c7-38981e969705", "node_type": "4", "metadata": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "f772dd7ff27f6d83e4d86c7868fb385829329bf0b5e383d02d0bbe90c63ca72d"}, "2": {"node_id": "03638427-cf13-41c0-954a-78365ba74ac3", "node_type": "1", "metadata": {"page_label": "237", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "02cbc6c10427b31fb763bf449224f5d06ca6e5782f7e263e51e16ab3dd1ac051"}, "3": {"node_id": "5946738c-6f91-4f75-b4f9-1a25614d23f2", "node_type": "1", "metadata": {}, "hash": "fa63ace9cdee166cbee04732b412610c238558442b0febf6c51dccc24f2fe090"}}, "hash": "23dbf19992c862832ec9ad0c19c717b612c11eeb98a63e5d2b839d150b3d3706", "text": "28\nHEALTHCARE FINANCING PART I & IICHAPTER\n09\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nSingapore government \nsubsidies \u2022 Government provides funding to public healthcare institutions (e.g. public \nhospitals, national specialty centres and polyclinics), as well as selected private \nclinics and voluntary welfare organisations (VWOs).\n\u2022 Means-test is used to target subsidies, so that needy patients can receive \nmore help; lower-income patients receive more subsidies than higher-income \npatients.\nMain components of \nSingapore\u2019s Healthcare \nFinancing System\nMediSave \u2022 National healthcare savings scheme in Singapore under the Central Provident \nBoard (CPF) umbrella.\n\u2022 Contributions to the Medisave Account (MA) are subject to a maximum amount, \nknown as the Basic Healthcare Sum (BHS). The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. If \npaying for a sibling or grandparent, the patient must be a Singapore Citizen or \nSingapore Permanent Resident (SPR).", "start_char_idx": 0, "end_char_idx": 1650, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5651090670476552}], "error": null, "perf": {"start_time": "2024-02-15T15:33:49.558351", "end_time": "2024-02-15T15:33:49.696161"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "retrieve"}}], "args": {"query_bundle": {"query_str": "Question: The fundamental principle of Singapore healthcare financing is ____________.\nA. 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The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. 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The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. If \npaying for a sibling or grandparent, the patient must be a Singapore Citizen or \nSingapore Permanent Resident (SPR).\n\npage_label: 238\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n28\nHEALTHCARE FINANCING PART I & IICHAPTER\n09\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nSingapore government \nsubsidies \u2022 Government provides funding to public healthcare institutions (e.g. public \nhospitals, national specialty centres and polyclinics), as well as selected private \nclinics and voluntary welfare organisations (VWOs).\n\u2022 Means-test is used to target subsidies, so that needy patients can receive \nmore help; lower-income patients receive more subsidies than higher-income \npatients.\nMain components of \nSingapore\u2019s Healthcare \nFinancing System\nMediSave \u2022 National healthcare savings scheme in Singapore under the Central Provident \nBoard (CPF) umbrella.\n\u2022 Contributions to the Medisave Account (MA) are subject to a maximum amount, \nknown as the Basic Healthcare Sum (BHS). 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The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. If \npaying for a sibling or grandparent, the patient must be a Singapore Citizen or \nSingapore Permanent Resident (SPR).", "page_label: 238\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n28\nHEALTHCARE FINANCING PART I & IICHAPTER\n09\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nSingapore government \nsubsidies \u2022 Government provides funding to public healthcare institutions (e.g. public \nhospitals, national specialty centres and polyclinics), as well as selected private \nclinics and voluntary welfare organisations (VWOs).\n\u2022 Means-test is used to target subsidies, so that needy patients can receive \nmore help; lower-income patients receive more subsidies than higher-income \npatients.\nMain components of \nSingapore\u2019s Healthcare \nFinancing System\nMediSave \u2022 National healthcare savings scheme in Singapore under the Central Provident \nBoard (CPF) umbrella.\n\u2022 Contributions to the Medisave Account (MA) are subject to a maximum amount, \nknown as the Basic Healthcare Sum (BHS). 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Healthcare \nFinancing System\nMediSave \u2022 National healthcare savings scheme in Singapore under the Central Provident \nBoard (CPF) umbrella.\n\u2022 Contributions to the Medisave Account (MA) are subject to a maximum amount, \nknown as the Basic Healthcare Sum (BHS). The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. If \npaying for a sibling or grandparent, the patient must be a Singapore Citizen or \nSingapore Permanent Resident (SPR).", "start_char_idx": 0, "end_char_idx": 1650, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5651090670476552}, {"node": {"id_": "372b33dc-4184-4b49-96af-7db1e15211ef", "embedding": null, "metadata": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8036ab15-77e4-4fae-90c7-38981e969705", "node_type": "4", "metadata": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "f772dd7ff27f6d83e4d86c7868fb385829329bf0b5e383d02d0bbe90c63ca72d"}, "2": {"node_id": "03638427-cf13-41c0-954a-78365ba74ac3", "node_type": "1", "metadata": {"page_label": "237", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "02cbc6c10427b31fb763bf449224f5d06ca6e5782f7e263e51e16ab3dd1ac051"}, "3": {"node_id": "5946738c-6f91-4f75-b4f9-1a25614d23f2", "node_type": "1", "metadata": {}, "hash": "fa63ace9cdee166cbee04732b412610c238558442b0febf6c51dccc24f2fe090"}}, "hash": "23dbf19992c862832ec9ad0c19c717b612c11eeb98a63e5d2b839d150b3d3706", "text": "28\nHEALTHCARE FINANCING PART I & IICHAPTER\n09\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nSingapore government \nsubsidies \u2022 Government provides funding to public healthcare institutions (e.g. public \nhospitals, national specialty centres and polyclinics), as well as selected private \nclinics and voluntary welfare organisations (VWOs).\n\u2022 Means-test is used to target subsidies, so that needy patients can receive \nmore help; lower-income patients receive more subsidies than higher-income \npatients.\nMain components of \nSingapore\u2019s Healthcare \nFinancing System\nMediSave \u2022 National healthcare savings scheme in Singapore under the Central Provident \nBoard (CPF) umbrella.\n\u2022 Contributions to the Medisave Account (MA) are subject to a maximum amount, \nknown as the Basic Healthcare Sum (BHS). The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. 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The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. 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The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. If \npaying for a sibling or grandparent, the patient must be a Singapore Citizen or \nSingapore Permanent Resident (SPR).", "start_char_idx": 0, "end_char_idx": 1650, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5651090670476552}], "metadata": {"30090690-c4e7-4d5d-9636-99d188c9f45c": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "372b33dc-4184-4b49-96af-7db1e15211ef": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:49.698637", "end_time": "2024-02-15T15:33:50.317527"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}], "args": {"str_or_query_bundle": "Question: The fundamental principle of Singapore healthcare financing is ____________.\nA. The 3\u2019s M. That is Medisave, Medishield, Medifund.\nB. Means Testing and Casemix.\nC. Individual Savings.\nD. Tax based subsidies and government subvention."}, "rets": {"response": "C. Individual Savings.", "source_nodes": [{"node": {"id_": "30090690-c4e7-4d5d-9636-99d188c9f45c", "embedding": null, "metadata": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5e87af42-555e-417b-ba39-919d1f87a294", "node_type": "4", "metadata": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "f772dd7ff27f6d83e4d86c7868fb385829329bf0b5e383d02d0bbe90c63ca72d"}, "2": {"node_id": "25f92ae3-7a07-4e50-b581-36cfe3690813", "node_type": "1", "metadata": {"page_label": "237", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "09b8614a3e2eec3fccbf8a7d913b73dfed8d053eba8f8421fb7b9f60a17724fd"}, "3": {"node_id": "8d9ab5ec-3301-4eda-9f80-d6cec69e6acc", "node_type": "1", "metadata": {}, "hash": "fa63ace9cdee166cbee04732b412610c238558442b0febf6c51dccc24f2fe090"}}, "hash": "23dbf19992c862832ec9ad0c19c717b612c11eeb98a63e5d2b839d150b3d3706", "text": "28\nHEALTHCARE FINANCING PART I & IICHAPTER\n09\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nSingapore government \nsubsidies \u2022 Government provides funding to public healthcare institutions (e.g. public \nhospitals, national specialty centres and polyclinics), as well as selected private \nclinics and voluntary welfare organisations (VWOs).\n\u2022 Means-test is used to target subsidies, so that needy patients can receive \nmore help; lower-income patients receive more subsidies than higher-income \npatients.\nMain components of \nSingapore\u2019s Healthcare \nFinancing System\nMediSave \u2022 National healthcare savings scheme in Singapore under the Central Provident \nBoard (CPF) umbrella.\n\u2022 Contributions to the Medisave Account (MA) are subject to a maximum amount, \nknown as the Basic Healthcare Sum (BHS). The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. If \npaying for a sibling or grandparent, the patient must be a Singapore Citizen or \nSingapore Permanent Resident (SPR).", "start_char_idx": 0, "end_char_idx": 1650, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5651090670476552}, {"node": {"id_": "372b33dc-4184-4b49-96af-7db1e15211ef", "embedding": null, "metadata": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8036ab15-77e4-4fae-90c7-38981e969705", "node_type": "4", "metadata": {"page_label": "238", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "f772dd7ff27f6d83e4d86c7868fb385829329bf0b5e383d02d0bbe90c63ca72d"}, "2": {"node_id": "03638427-cf13-41c0-954a-78365ba74ac3", "node_type": "1", "metadata": {"page_label": "237", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "02cbc6c10427b31fb763bf449224f5d06ca6e5782f7e263e51e16ab3dd1ac051"}, "3": {"node_id": "5946738c-6f91-4f75-b4f9-1a25614d23f2", "node_type": "1", "metadata": {}, "hash": "fa63ace9cdee166cbee04732b412610c238558442b0febf6c51dccc24f2fe090"}}, "hash": "23dbf19992c862832ec9ad0c19c717b612c11eeb98a63e5d2b839d150b3d3706", "text": "28\nHEALTHCARE FINANCING PART I & IICHAPTER\n09\nIMPORTANT CONCEPTS DEFINITIONS/EXPLANATIONS\nSingapore government \nsubsidies \u2022 Government provides funding to public healthcare institutions (e.g. public \nhospitals, national specialty centres and polyclinics), as well as selected private \nclinics and voluntary welfare organisations (VWOs).\n\u2022 Means-test is used to target subsidies, so that needy patients can receive \nmore help; lower-income patients receive more subsidies than higher-income \npatients.\nMain components of \nSingapore\u2019s Healthcare \nFinancing System\nMediSave \u2022 National healthcare savings scheme in Singapore under the Central Provident \nBoard (CPF) umbrella.\n\u2022 Contributions to the Medisave Account (MA) are subject to a maximum amount, \nknown as the Basic Healthcare Sum (BHS). The BHS is designed to be enough \nfor a CPF member\u2019s basic, subsidised healthcare needs in his old age. Hence, \namounts in the MA up to the BHS cannot be withdrawn as cash.\n\u2022 Amounts above the BHS will flow to the CPF member\u2019s Special or Retirement \nAccounts to boost his monthly payouts. If the CPF member has already met his \nFull Retirement Sum, the amounts will flow to his Ordinary Account, and can be \nwithdrawn as cash from the age of 55 years.\n\u2022 Can be used to pay for the CPF member\u2019s medical expenses at all accredited \ninstitutions, in both the public and private sector.\n\u2022 Can also be used to pay for medical expenses of the CPF member\u2019s approved \ndependents, namely his spouse, children, parents, siblings, and grandparents. 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Patients in the same class have similar clinical conditions.\nB. Patients in the same class generally cost the same amount to treat.\nC. There must be optimal number in each classes.\nD. Subsidies will be allocated to those patients accordingly.", "output_fields": null, "embedding_field": null, "mode": "default", "alpha": null, "filters": null, "mmr_threshold": null, "sparse_top_k": null}}, "rets": {"nodes": [{"id_": "e4ab78d7-a389-422a-a07c-6087ee2dc36d", "embedding": null, "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4ffaeaa0-935f-4cff-b95c-4e9deb67a15c", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "a5f02c35-f6fa-490e-b3ad-36da7041f449", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a0a87fc35460cf02c4c785083b9b18931dda9d361b387ae507799142e0b4a8a1"}, "3": {"node_id": "a42a16ff-4e1f-4d3f-b6ac-8bd7bac5365e", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, {"id_": "978bb6bb-f44b-4312-8ae1-2d43d7e77b67", "embedding": null, "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "168ea637-021a-4b20-af14-aa05d2a899d3", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "3a693409-3697-4717-9cb9-6e461bed9de8", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "c2cfd4911010168c6c1c949aebe9b1b33ad4a4f48bb6c36626358b52f01f9b5f"}, "3": {"node_id": "103e8442-deea-4467-afa3-8f0034a3a616", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}], "similarities": [0.47953289042257785, 0.47953289042257785], "ids": ["e4ab78d7-a389-422a-a07c-6087ee2dc36d", "978bb6bb-f44b-4312-8ae1-2d43d7e77b67"]}, "error": null, "perf": {"start_time": "2024-02-15T15:33:50.604089", "end_time": "2024-02-15T15:33:50.625012"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "retrieve"}}, {"path": "app.retriever", "method": {"obj": {"cls": {"name": "VectorIndexRetriever", "module": {"package_name": "llama_index.indices.vector_store.retrievers", "module_name": "llama_index.indices.vector_store.retrievers.retriever"}, "bases": null}, "id": 11246087376, "init_bindings": null}, "name": "retrieve"}}], "args": {"str_or_query_bundle": {"query_str": "\nQuestion: Which of the following is not a feature of Casemix?\nA. Patients in the same class have similar clinical conditions.\nB. Patients in the same class generally cost the same amount to treat.\nC. There must be optimal number in each classes.\nD. Subsidies will be allocated to those patients accordingly.", "image_path": null, "custom_embedding_strs": null, "embedding": [-0.026443148031830788, -0.039875566959381104, -0.004372281022369862, 0.011254805140197277, -0.008562111295759678, -0.10880271345376968, 0.015012742020189762, 0.023587267845869064, -0.0017084646970033646, -0.046666644513607025, 0.02183331362903118, 0.01658548042178154, 0.03580676019191742, -0.013708564452826977, 0.06326520442962646, -0.005237059202045202, 0.0695711076259613, -0.015571460127830505, 0.00731985829770565, 0.06579379737377167, 0.038070887327194214, -0.02653978392481804, -0.030012063682079315, -0.0030388524755835533, -0.007205132860690355, 0.017586400732398033, 0.04396393150091171, 0.04193100705742836, 0.05748654529452324, -0.14119280874729156, 0.004463556222617626, 0.029317231848835945, -0.02893250621855259, -0.023236185312271118, 0.043159037828445435, -0.011512813158333302, 0.06143006682395935, 0.03918725624680519, -0.09621131420135498, 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"2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4ffaeaa0-935f-4cff-b95c-4e9deb67a15c", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "a5f02c35-f6fa-490e-b3ad-36da7041f449", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a0a87fc35460cf02c4c785083b9b18931dda9d361b387ae507799142e0b4a8a1"}, "3": {"node_id": "a42a16ff-4e1f-4d3f-b6ac-8bd7bac5365e", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47953289042257785}, {"node": {"id_": "978bb6bb-f44b-4312-8ae1-2d43d7e77b67", "embedding": null, "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "168ea637-021a-4b20-af14-aa05d2a899d3", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "3a693409-3697-4717-9cb9-6e461bed9de8", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "c2cfd4911010168c6c1c949aebe9b1b33ad4a4f48bb6c36626358b52f01f9b5f"}, "3": {"node_id": "103e8442-deea-4467-afa3-8f0034a3a616", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47953289042257785}], "error": null, "perf": {"start_time": "2024-02-15T15:33:50.496922", "end_time": "2024-02-15T15:33:50.626037"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "retrieve"}}], "args": {"query_bundle": {"query_str": "\nQuestion: Which of the following is not a feature of Casemix?\nA. Patients in the same class have similar clinical conditions.\nB. Patients in the same class generally cost the same amount to treat.\nC. There must be optimal number in each classes.\nD. Subsidies will be allocated to those patients accordingly.", "image_path": null, "custom_embedding_strs": null, "embedding": [-0.026443148031830788, -0.039875566959381104, -0.004372281022369862, 0.011254805140197277, -0.008562111295759678, -0.10880271345376968, 0.015012742020189762, 0.023587267845869064, -0.0017084646970033646, -0.046666644513607025, 0.02183331362903118, 0.01658548042178154, 0.03580676019191742, -0.013708564452826977, 0.06326520442962646, -0.005237059202045202, 0.0695711076259613, -0.015571460127830505, 0.00731985829770565, 0.06579379737377167, 0.038070887327194214, -0.02653978392481804, -0.030012063682079315, -0.0030388524755835533, -0.007205132860690355, 0.017586400732398033, 0.04396393150091171, 0.04193100705742836, 0.05748654529452324, -0.14119280874729156, 0.004463556222617626, 0.029317231848835945, -0.02893250621855259, -0.023236185312271118, 0.043159037828445435, -0.011512813158333302, 0.06143006682395935, 0.03918725624680519, -0.09621131420135498, 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"2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4ffaeaa0-935f-4cff-b95c-4e9deb67a15c", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "a5f02c35-f6fa-490e-b3ad-36da7041f449", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a0a87fc35460cf02c4c785083b9b18931dda9d361b387ae507799142e0b4a8a1"}, "3": {"node_id": "a42a16ff-4e1f-4d3f-b6ac-8bd7bac5365e", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47953289042257785}, {"node": {"id_": "978bb6bb-f44b-4312-8ae1-2d43d7e77b67", "embedding": null, "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "168ea637-021a-4b20-af14-aa05d2a899d3", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "3a693409-3697-4717-9cb9-6e461bed9de8", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "c2cfd4911010168c6c1c949aebe9b1b33ad4a4f48bb6c36626358b52f01f9b5f"}, "3": {"node_id": "103e8442-deea-4467-afa3-8f0034a3a616", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47953289042257785}], "error": null, "perf": {"start_time": "2024-02-15T15:33:50.478934", "end_time": "2024-02-15T15:33:50.626919"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "Refine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "\nQuestion: Which of the following is not a feature of Casemix?\nA. Patients in the same class have similar clinical conditions.\nB. Patients in the same class generally cost the same amount to treat.\nC. There must be optimal number in each classes.\nD. Subsidies will be allocated to those patients accordingly.", "text_chunks": ["page_label: 205\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills\n\npage_label: 205\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills"], "prev_response": null}, "rets": "C. There must be optimal number in each classes.", "error": null, "perf": {"start_time": "2024-02-15T15:33:50.664061", "end_time": "2024-02-15T15:33:51.442433"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "\nQuestion: Which of the following is not a feature of Casemix?\nA. Patients in the same class have similar clinical conditions.\nB. Patients in the same class generally cost the same amount to treat.\nC. There must be optimal number in each classes.\nD. Subsidies will be allocated to those patients accordingly.", "text_chunks": ["page_label: 205\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "page_label: 205\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills"]}, "rets": "C. There must be optimal number in each classes.", "error": null, "perf": {"start_time": "2024-02-15T15:33:50.644615", "end_time": "2024-02-15T15:33:51.442613"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}], "args": {"query": {"query_str": "\nQuestion: Which of the following is not a feature of Casemix?\nA. Patients in the same class have similar clinical conditions.\nB. Patients in the same class generally cost the same amount to treat.\nC. There must be optimal number in each classes.\nD. 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"2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4ffaeaa0-935f-4cff-b95c-4e9deb67a15c", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "a5f02c35-f6fa-490e-b3ad-36da7041f449", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a0a87fc35460cf02c4c785083b9b18931dda9d361b387ae507799142e0b4a8a1"}, "3": {"node_id": "a42a16ff-4e1f-4d3f-b6ac-8bd7bac5365e", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47953289042257785}, {"node": {"id_": "978bb6bb-f44b-4312-8ae1-2d43d7e77b67", "embedding": null, "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "168ea637-021a-4b20-af14-aa05d2a899d3", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "3a693409-3697-4717-9cb9-6e461bed9de8", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "c2cfd4911010168c6c1c949aebe9b1b33ad4a4f48bb6c36626358b52f01f9b5f"}, "3": {"node_id": "103e8442-deea-4467-afa3-8f0034a3a616", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47953289042257785}]}, "rets": {"response": "C. There must be optimal number in each classes.", "source_nodes": [{"node": {"id_": "e4ab78d7-a389-422a-a07c-6087ee2dc36d", "embedding": null, "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4ffaeaa0-935f-4cff-b95c-4e9deb67a15c", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "a5f02c35-f6fa-490e-b3ad-36da7041f449", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a0a87fc35460cf02c4c785083b9b18931dda9d361b387ae507799142e0b4a8a1"}, "3": {"node_id": "a42a16ff-4e1f-4d3f-b6ac-8bd7bac5365e", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47953289042257785}, {"node": {"id_": "978bb6bb-f44b-4312-8ae1-2d43d7e77b67", "embedding": null, "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "168ea637-021a-4b20-af14-aa05d2a899d3", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "3a693409-3697-4717-9cb9-6e461bed9de8", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "c2cfd4911010168c6c1c949aebe9b1b33ad4a4f48bb6c36626358b52f01f9b5f"}, "3": {"node_id": "103e8442-deea-4467-afa3-8f0034a3a616", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47953289042257785}], "metadata": {"e4ab78d7-a389-422a-a07c-6087ee2dc36d": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "978bb6bb-f44b-4312-8ae1-2d43d7e77b67": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:50.628167", "end_time": "2024-02-15T15:33:51.442745"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}], "args": {"str_or_query_bundle": "\nQuestion: Which of the following is not a feature of Casemix?\nA. Patients in the same class have similar clinical conditions.\nB. Patients in the same class generally cost the same amount to treat.\nC. There must be optimal number in each classes.\nD. Subsidies will be allocated to those patients accordingly."}, "rets": {"response": "C. There must be optimal number in each classes.", "source_nodes": [{"node": {"id_": "e4ab78d7-a389-422a-a07c-6087ee2dc36d", "embedding": null, "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4ffaeaa0-935f-4cff-b95c-4e9deb67a15c", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "a5f02c35-f6fa-490e-b3ad-36da7041f449", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a0a87fc35460cf02c4c785083b9b18931dda9d361b387ae507799142e0b4a8a1"}, "3": {"node_id": "a42a16ff-4e1f-4d3f-b6ac-8bd7bac5365e", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47953289042257785}, {"node": {"id_": "978bb6bb-f44b-4312-8ae1-2d43d7e77b67", "embedding": null, "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "168ea637-021a-4b20-af14-aa05d2a899d3", "node_type": "4", "metadata": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "817ed3fe0003be848b96adbc343cd4288fe3e1785f92f6e3fd91d33d210e08f8"}, "2": {"node_id": "3a693409-3697-4717-9cb9-6e461bed9de8", "node_type": "1", "metadata": {"page_label": "204", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "c2cfd4911010168c6c1c949aebe9b1b33ad4a4f48bb6c36626358b52f01f9b5f"}, "3": {"node_id": "103e8442-deea-4467-afa3-8f0034a3a616", "node_type": "1", "metadata": {}, "hash": "de360e4358852468a6d503ab719be893a7a0f623214355a799df93cc55d7aa3d"}}, "hash": "182964b312f5eabf7f561e3ba607528e52a1f81fe74e6c5605b9751f68c88471", "text": "Health Insurance   \n \n170 Copyright reserved by the Singapore College of Insurance Limited [Version  1.4] A. Public Hospitals  \n \nA1. Inpatient  \n \n2.3 Patients can choose different ward classes if they need to be \nadmitted into  a hospital. These ward classes differ only in the type of physical \namenities and level of comfort and  range from one bedded rooms (Class A \nwards) to rooms with multiple beds (Class  B/C wards). The standard of medical \ncare is the same regardless of the ward class.  \n \n2.4 The subsidies provided by the government will differ according to the ward \nclass. The wards with basic amenities (e.g.  Class C wards) are heavily \nsubsidised. Those who desire more amenities can choose a higher ward class \nbut will receive less subsidy. Class B2 and C ward admissions (81% of public \nhospital beds) are heavily subsidised. Class B1 admissions are subsidised 20 % \nwhile there is no subsidy for Class A ward admissions.3 However, patients will \nbe able to receive up to 80% in subsidies regardless of whether they are \nadmitted to B2 or C class wards from  1 November 20224.  \n \n2.5 In January 2009, means testing  in public  hospitals was introduced to better \ntarget the heavy subsidies for Class B2 and Class C wards at the lower -income \ngroup. The subsidy received  depend ed on the monthly income of the patient.  \n \n2.6 Patients requiring any follow -up at the specialist outpatient clinics (SOCs) after \ntheir Class B2 or Class C hospitalisation will continue to receive subsidies at the \nSOCs. (Patients in Class A and Class B1 wards will continue their treatments at \nthe priva te SOCs at the public hospitals, if needed ). \n \nA2. Specialist Outpatient Clinics (SOCs)  \n \n2.7 For SOC services, lower - to middle -income SOC patients are subsidi sed 70% \nand 60% respectively, while the rest receive 50% subsidy5. Additionally, two \nnew subsidy tiers  will be introduced in  1 January  20236: patients with a per \ncapita household income above $3,300 and not more than   $6,500 (for a \nfamily of four, this means a total income of $13,200) will receive a subsidy of \n40% while those above $6,500  have a subsidy of 30%.  Permanent  Residents will \ncontinue  to receive 25% subs idy.  \n \n2.8 For standard drugs at SOCs, all lower -to middle -income subsidi sed patients \nreceive a 75% subsidy for standard drugs, while the rest of the subsidi sed SOC \npatients receive a 50% subsidy. Patients who opt to be admitted to A or B1 \nwards at public hospitals will be eligible for subsidies in SOC should they \nrequire follow -up visits at these clinics.   \n \n \n3 https://www.moh.gov.sg/home/our -healthcare -system/healthcare -services -and-facilities/hospital -services  \n4 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-acute -inpatient -care-\nat-public -healthcare -institutions  \n5 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-services -and-drugs -\nat-public -healthcare -settings  \n6 https://www.moh.gov.sg/cost -financing/healthcare -schemes -subsidies/subsidies -for-special ist-\noutpatient -care-at-public -healthcare -institutions  \n \nMedisave  \n \nHospital Bills", "start_char_idx": 0, "end_char_idx": 3177, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.47953289042257785}], "metadata": {"e4ab78d7-a389-422a-a07c-6087ee2dc36d": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "978bb6bb-f44b-4312-8ae1-2d43d7e77b67": {"page_label": "205", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:50.411579", "end_time": "2024-02-15T15:33:51.446415"}, "pid": 97011, "tid": 2590337}]}

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