Singapore hubs

Madam Yee Ling Chong

Acupuncturist

SingaporeMandarin (华语)$ SGD

Madam Yee Ling Chong is a dedicated Traditional Chinese Medicine (TCM) practitioner navigating the professional and personal landscape of Singapore. This hub covers the essential national schemes, licensing requirements, and financial support systems she encounters in her daily practice and life.

Keeping my clinic running

Ensuring my TCM practice stays compliant and eligible for professional development grants.

TCM Practitioner Registration

中医执业者注册

national · Traditional Chinese Medicine Practitioners Board

Who qualifies
Qualified TCM practitioners with recognized degrees.
What you get
Legal authorization to practice acupuncture and TCM in Singapore.
What it actually costs you
Annual registration fee of $100; requires proof of CPE points.
Common gotcha
Failure to maintain Continuing Professional Education (CPE) points leads to de-registration.

SkillsFuture Enterprise Credit

national · SkillsFuture Singapore

Who qualifies
Small businesses with at least 3 Singaporean/PR employees.
What you get
Up to $10,000 to cover 90% of out-of-pocket costs for skills training.
What it actually costs you
Must be registered with ACRA; claim via the business portal.
Common gotcha
Only covers specific pre-approved training courses.

Productivity Solutions Grant

national · Enterprise Singapore

Who qualifies
Local SMEs looking to adopt pre-approved digital solutions.
What you get
Funding support of up to 50% for software like clinic management systems.
What it actually costs you
Must purchase from pre-approved vendors; requires ACRA registration.
Common gotcha
Must apply before signing the contract with the vendor.

CPE Course Fee Subsidy

national · TCM Practitioners Board

Who qualifies
Registered TCM practitioners.
What you get
Subsidies for approved advanced TCM courses.
What it actually costs you
Requires submission of course completion certificates.
Common gotcha
Only courses accredited by the Board qualify for points.

Medisave Accreditation for TCM

national · Ministry of Health

Who qualifies
TCM clinics meeting specific hygiene and facility standards.
What you get
Ability for patients to use Medisave for specific treatments.
What it actually costs you
Rigorous clinic inspection and compliance audit.
Common gotcha
Strict limits on the amount patients can claim per year.

BizFile+ Annual Filing

national · ACRA

Who qualifies
All registered business owners.
What you get
Maintains legal status of the clinic business.
What it actually costs you
$60 annual fee; requires Singpass login.
Common gotcha
Late filing penalties are strictly enforced.

Managing my own money

Planning for retirement and maximizing government top-ups.

CPF Retirement Sum Topping-Up Scheme

公积金退休存款填补计划

national · CPF Board

Who qualifies
Singaporeans and PRs with a CPF account.
What you get
Tax relief and interest on cash top-ups to your Retirement Account.
What it actually costs you
Cash liquidity; money is locked until retirement age.
Common gotcha
Top-ups are irreversible.

Supplementary Retirement Scheme

辅助退休计划

national · Ministry of Finance

Who qualifies
Anyone aged 18 and above.
What you get
Tax-deferred savings for retirement.
What it actually costs you
Annual account maintenance fee.
Common gotcha
Withdrawals before retirement age incur a 5% penalty.

Singapore Savings Bonds

national · MAS

Who qualifies
Individuals with a bank account and CDP account.
What you get
Safe, government-backed investment with step-up interest.
What it actually costs you
$2 transaction fee per application.
Common gotcha
Demand often exceeds supply during popular months.

SkillsFuture Credit

national · SkillsFuture Singapore

Who qualifies
Singaporeans aged 25 and above.
What you get
$500 initial credit + $500 top-up for training courses.
What it actually costs you
Time spent attending courses.
Common gotcha
Credits do not expire but are restricted to approved providers.

GST Voucher Scheme

消费税补助券

national · Ministry of Finance

Who qualifies
Singaporeans residing in HDB flats with lower income.
What you get
Annual cash payout to offset cost of living.
What it actually costs you
Automatic assessment based on income tax filing.
Common gotcha
Must ensure bank account is linked to NRIC for direct deposit.

Assurance Package

national · Ministry of Finance

Who qualifies
All adult Singaporeans.
What you get
Cash payouts to help with GST increases.
What it actually costs you
None; automatic disbursement.
Common gotcha
Beware of phishing SMS/emails regarding payouts.

Staying healthy as I age

Accessing government-subsidized care and preventative health screenings.

Screen for Life

national · Health Promotion Board

Who qualifies
Singaporeans and PRs aged 40+.
What you get
Highly subsidized health screenings at participating GPs.
What it actually costs you
$0 to $5 co-payment.
Common gotcha
Must use the HealthHub app to book.

CHAS Card

社保援助计划

national · Agency for Integrated Care

Who qualifies
Singaporeans based on household income or annual value of home.
What you get
Subsidies for medical and dental treatments at private clinics.
What it actually costs you
None; application is means-tested.
Common gotcha
Must present physical card or digital card on app.

MediShield Life

终身健保

national · CPF Board

Who qualifies
All Singaporeans and PRs.
What you get
Basic health insurance for large hospital bills.
What it actually costs you
Premiums paid via Medisave.
Common gotcha
Does not cover outpatient TCM treatments.

CareShield Life

national · Ministry of Health

Who qualifies
Singaporeans born in 1980 or later.
What you get
Long-term care insurance for severe disability.
What it actually costs you
Annual premiums.
Common gotcha
Only triggers upon assessment of inability to perform ADLs.

National Adult Immunisation Schedule

national · Ministry of Health

Who qualifies
Adults recommended for specific vaccinations.
What you get
Subsidies for flu, pneumococcal, and shingles vaccines.
What it actually costs you
Co-payment at polyclinics or CHAS clinics.
Common gotcha
Subsidy levels vary by age and citizenship.

HealthHub

national · Ministry of Health

Who qualifies
All residents with Singpass.
What you get
Centralized portal for medical records and appointments.
What it actually costs you
None.
Common gotcha
Not all private TCM clinic records are integrated.

Getting around and daily errands

Managing transport costs and utility bills.

Senior Citizen Concession Card

national · TransitLink

Who qualifies
Singaporeans aged 60+.
What you get
Discounted fares on buses and MRT.
What it actually costs you
One-time card application fee.
Common gotcha
Must tap card correctly to register the concession.

U-Save Rebates

national · SP Group

Who qualifies
HDB households.
What you get
Quarterly rebates on utility bills.
What it actually costs you
None; automatic.
Common gotcha
Rebates are applied to the main account holder's bill.

Singpass

national · GovTech

Who qualifies
All residents.
What you get
Universal login for all government services.
What it actually costs you
None.
Common gotcha
Keep your password and 2FA secure; never share it.

Lifelong Learning Institute

national · SkillsFuture Singapore

Who qualifies
All workers.
What you get
Career guidance and training resources.
What it actually costs you
Time.
Common gotcha
Workshops require advance booking.

NLB Membership

national · National Library Board

Who qualifies
All residents.
What you get
Free access to books, e-resources, and study spaces.
What it actually costs you
None.
Common gotcha
Late fees apply for overdue books.

ActiveSG

national · Sport Singapore

Who qualifies
All residents.
What you get
Subsidized access to public swimming pools and gyms.
What it actually costs you
Small entry fees.
Common gotcha
Must book slots via app for popular facilities.

State-level schemes

1states & territories — open one to see what it offers.

Singapore新加坡

Singapore offers a highly structured environment for licensed practitioners, with specific grants for digital transformation and professional development tailored to the wellness and TCM sector.

Keeping my clinic modern and efficient

Productivity Solutions Grant (PSG)

state · Enterprise Singapore

Who qualifies
SMEs registered and operating in Singapore with at least 30% local shareholding.
What you get
Up to 50% funding support for pre-approved digital solutions like clinic management software.
What it actually costs you
Requires a Corppass login and a valid quote from a pre-approved vendor.
Common gotcha
You must apply and receive approval before signing any contract or making payment.

SkillsFuture Enterprise Credit (SFEC)

state · SkillsFuture Singapore

Who qualifies
Employers who have contributed to the Skills Development Levy and meet specific growth criteria.
What you get
Covers up to 90% of out-of-pocket expenses for enterprise transformation and workforce training.
What it actually costs you
Automatic eligibility check; no separate application required.
Common gotcha
The credit expires if not used within the stipulated timeframe.

Digital Resilience Bonus

state · IMDA

Who qualifies
F&B and Retail businesses, including wellness clinics using e-payments and accounting software.
What you get
Payouts up to $5,000 for adopting advanced digital tools.
What it actually costs you
Proof of adoption of PayNow Corporate and digital invoicing.
Common gotcha
Must be on the specific list of eligible digital categories.

Staying sharp and licensed

SkillsFuture Mid-Career Enhanced Subsidy

state · SkillsFuture Singapore

Who qualifies
Singaporeans aged 40 and above.
What you get
Up to 90% subsidy for course fees for approved training programs.
What it actually costs you
Registration via the SkillsFuture portal; balance payment after subsidy.
Common gotcha
Only applies to courses listed on the SkillsFuture directory.

TCM Practitioner Training Grant

state · TCM Practitioners Board

Who qualifies
Registered TCM practitioners in Singapore.
What you get
Subsidies for Continuing Professional Education (CPE) points-earning courses.
What it actually costs you
Submission of course completion certificates to the board.
Common gotcha
Ensure the course provider is accredited by the Board before enrolling.