Medisave can be claimed only if the patient stays in the hospital for at least 8 hours (unless the patient is admitted for day surgery).

The claim limits are as follows:

• Medical / surgical inpatient cases
  S$450 per day for daily hospital charges for patients admitted on or after 1 May 2007. S$400 per day for daily hospital charges for patients admitted before 1 May 2007. This includes a maximum of S$50 for doctor's daily attendance fees.
  
• Approved day surgeries
  Up to S$300 per day for daily hospital charges for surgeries done on or after 1 May 2007. Up to S$200 per day for surgeries done before 1 May 2007.
  
• Surgical operations (inpatient and day surgery)
  A fixed limit - depending on the complexity of the operation - according to the table of surgical operation, as given below :

• Psychiatric treatment
  Up to S$150 per day for the daily hospital charges including a maximum of S$50 for the doctor's daily attendance fees, subject to a maximum of S$5,000 a year for treatment received on or after 1 Jan 2007.
  
• Stay in approved community hospitals
  Up to S$150 per day for the daily hospital charges including a maximum of S$30 for the doctor's daily attendance fees, subject to a maximum of S$3,500 a year
  
• Stay in approved convalescent hospitals
  Up to S$50 per day for the daily hospital charges including a maximum of S$30 for the doctor's daily attendance fees, subject to a maximum of S$3,000 a year
  
• Stay in approved hospices
  Up to S$160 per day for the daily hospital charges including a maximum of S$30 for the doctor's daily attendance fees
  
• Day Rehabilitation at Senior Citizens Health Care Centers
  Up to S$20 per day for day rehabilitation charges, subject to a maximum of S$1,500 a year
• Inpatient medical treatment in approved day hospitals
  Up to S$150 per day, including a maximum of S$30 for the doctor's daily attendance fees, subject to a maximum of S$3,000 per year.
  
  

Medisave can be used for the following outpatient treatment:

• Outpatient treatments of approved chronic diseases
  • Up to S$300 per Medisave account a year (subject to S$30 deductible and 15% co-payment by patient) for diabetes (with effect from 1st Oct 2006)
  • Up to S$300 per Medisave account a year (subject to S$30 deductible and 15% co-payment by patient) for hypertension, lipids disorders or stroke (with effect from 1st Jan 2007)
  • Up to S$300 per Medisave account a year (subject to S$30 deductible and 15% co-payment by patient) for asthma or chronic obstructive pulmonary disease (COPD) (with effect from 1st April 2008)
  • Up to S$300 per Medisave account a year (subject to S$30 deductible and 15% co-payment by patient) for schizophrenia or major depression (with effect from 1st Oct 2009)
• Outpatient MRI scans, CT scans and other diagnostics for cancer patients
  
  • Up to $600 per year (from 1 April 2008)
    
    
• Hepatitis B vaccination
  Depending on age of patient:
  • Newborns to persons below 12 years old S$25
  • Persons aged 12 to below 20 years old S$35
  • Persons aged 20 and above S$50
    
• Assisted conception procedures
  Use of Medisave up to 3 treatment cycles (regardless whether treatment is undertaken in inpatient or outpatient basis) per patient (only patient's and spouse's Medisave may be used) For Assisted Conception Procedures' treatments received on or after 1 August 2004, the withdrawal limits are:
  • 1st withdrawal - $6,000
  • 2nd withdrawal - $5,000
  • 3rd withdrawal - $4,000
    
• Renal dialysis treatment (Only the patient's Medisave may be used. For patients age of 18 and below, the parents' Medisave may be used)
  • S$450 a month
    
• Radiotherapy for cancer patients
  • For External Therapy, S$80 per treatment
  • For Brachytherapy with external radiotherapy, S$300 per treatment
  • For Brachytherapy without external radiotherapy, S$360 per treatment
  • For Superficial X-Ray, S$30 per treatment
  • For Stereotactic radiotherapy, S$2,800 per treatment
    
• Chemotherapy for cancer patients
  Includes analgesic medication and suppressive treatments (neuro-endocrine and nuclear medicine treatments).
  • S$300 for 7-day treatment cycle or S$1,200 for 21/28-day treatment cycle
    
• HIV anti-retroviral drugs (Only the patient's own Medisave may be used. For patients aged 18 and below, their parents' Medisave may be used.)
  Includes drugs used for the treatment of opportunistic infections.
  • S$550 per month
    
• Desferral drug and blood transfusion for Thalassaemia treatment
  • S$350 per month
    
• Hyperbaric Oxygen Therapy
  • S$100 per treatment cycle
    
• Outpatient Intravenous Antibiotic Treatment
  • S$600 per weekly cycle, up to $2,400 a year
    
• Long Term Oxygen Therapy and Infant Continuous Positive Airway Pressure Therapy
  Medisave maybe used for the rental of the devices that provide concentrated oxygen or pressured oxygen for the above treatments.
  • S$75 per month
    
• Immuno-Suppressants for patients after organ transplants
  • S$300 per month

For a summary of the:

• Medisave withdrawal limits, please click here.

The Medisave withdrawal limits are necessary to ensure that members' Medisave savings are conserved for future medical needs, especially during old age. However, the limits are generally adequate to cover most of the charges incurred in the Class B2 and C wards. However, for expenses incurred in the private hospitals and Class A and B1 wards of government and restructured hospitals, the patient usually has to pay cash out-of-pocket for part of the bill which exceeds the withdrawal possible from Medisave.