Withdrawal Limits 

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An account holder may use his Medisave to pay for the hospitalisation and certain outpatient expenses incurred at any hospital in Singapore. He may use his Medisave savings for himself and as well as his immediate family members.

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. 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. This includes a maximum of S$30 for doctor's daily attendance fees.
  • Surgical operations (inpatient and day surgery)

    A fixed limit - depending on the complexity of the operation - according to the table of surgical procedure, as given below :
Table of Operations Medisave Limits
1A / 1B / 1C S$250 / 350 / 450
2A / 2B / 2C S$600 / 750 / 950
3A / 3B / 3C S$1,250 / 1,550 / 1,850
4A /4B / 4C S$2,150 / 2,600 / 2,850
5A / 5B / 5C S$3,150 / 3,550 / 3,950
6A / 6B / 6C S$4,650 /  5,150 / 5,650
7A / 7B / 7C S$6,200 / 6,900 / 7,550
  • The Table of Surgical Procedures has been revised with effect from 1 Jan 2014. Please click here for the  updated Table of Surgical Procedures.

    You may also search the Table of Surgical Procedures based on the following categories:

1.       Body Part
2.       Table of Operation
3.       Anatomical System
 

  • Medisave Maternity Package
    Up to $450 for each day in the hospital, plus an additional $450 and surgical withdrawal limit depending on the type of delivery procedure you undergo. For more information, please refer to the Marriage and Parenthood Schemes page.
  • Home Pallative Care
    A withdrawal limit of $2,500 per patient per lifetime.
  • 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
    For patients admitted before 1 Jun 2010, 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

    For patients admitted on or after 1 Jun 2010, up to $250 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 $5,000 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$200 per day for the daily hospital charges including a maximum of S$30 for the doctor's daily attendance fees
  • Day Rehabilitation at approved day rehabilitation centres
    For patients admitted before 1 Jun 2010, up to S$20 per day for day rehabilitation charges, subject to a maximum of S$1,500 a year

    For patients admitted on or after 1 Jun 2010, up to $25 per day for day rehabilitation charges, subject to a maximum of S$1,500 a year

  • 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:

(Note: If these outpatient treatments were undertaken while a patient was hospitalised, the patient will not be eligible to claim under the withdrawal limits for outpatient treatment. The eligible claim would be based on the prevailing inpatient withdrawal limits i.e. currently at $450 per day.)

Medisave400 Limit 

Up to S$400 per Medisave account a year for:

  • Outpatient treatments of approved chronic diseases under the Chronic Disease Management Programme (CDMP) (subject to 15% co-payment by patient)

    • Diabetes, hypertension, lipid disorders, stroke, asthma, chronic obstructive pulmonary disease (COPD), schizophrenia, major depression, bipolar disorders, dementia, osteoarthritis, anxiety, benign prostatic hyperplasia, parkinson’s disease or nephrosis/nephritis
    • with effect from 1 Jun 2015
      Epilepsy, osteoporosis, psoriasis or rheumatoid arthritis
       
  • Outpatient Vaccinations  (under the National Childhood Immunisation Schedule)

    • Pneumococcal vaccinations (for children under 6 years of age), Human Papillomavirus (HPV) (for females aged between 9 - 26 years of age), Hepatitis B vaccination
    • With effect from 1 Jun 2013
      Measles, Mumps and Rubella (MMR), Tuberculosis (BCG), Diptheria, Pertussis & Tetanus (DTaP/Tdap), Poliomyelitis, Haemophilus Influenza Type B (Hib)
       
  • Outpatient Vaccinations
     
    • With effect from 1 Jan 2014
      Influenza and pneumococcal vaccinations (for persons with higher risk of developing influenza-related complications and severe pneumococcal disease respectively)
       
  • Health Screenings

    • Mammogram Screening
    • Selected screening tests for newborns in the outpatient setting

      More details on these 2 categories of screening can be found here

Flexi-Medisave for the Elderly (with effect from 1 April 2015)

For all patients aged 65 and above.

Up to $200 per patient per year for outpatient medical treatment at:

  • Specialist Outpatient Clinics in the public hospitals and national specialty centres;
  • Polyclinics; and
  • Participating Community Health Assist Scheme (CHAS) Medical GP clinics.

Can also be used together with other outpatient Medisave limits, such as the Medisave400 limit.

From the patient’s own account or the patient’s spouse’s account only. If the patient’s spouse is used, he/she must also be aged 65 and above.
 

Other Medisave Limits

  • Outpatient MRI scans, CT scans and other diagnostics for cancer patients
    • Up to $600 per year per patient
       
  • Outpatient scans for diagnosis or treatment of a medical condition (with effect from 1 Jan 2015)
    • Up to $300 per year per patient
      (Note: Does not apply to plain X-rays or scans that are already claimable under other Medisave schemes such as scans for cancer treatment, chronic disease under the Chronic Disease Management Programme or antenatal scans.)
       
  • Assisted Conception Procedures (ACP)
    Use of Medisave for ACP treatment cycles regardless whether treatment is taken in inpatient or outpatient setting). Only patient's and spouse's Medisave accounts may be used. For Assisted Conception Procedures' treatments received on or after 1 Oct 2013, the withdrawal limits are:z
    • 1st cycle - $6,000
    • 2nd cycle - $5,000
    • 3rd and subsequent cycles - $4,000

      A lifetime Medisave withdrawal limit of $15,000 per patient for ACP also applies.
       
  • Outpatient 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 per patient
       
  • Outpatient 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
       
  • Outpatient radiosurgery treatment for cancer patients (namely Novalis radiosurgery treatment and Gamma Knife treatment)
    • $7,500 per treatment and $300 per day for daily hospital charge.
       
  • Outpatient chemotherapy for cancer patients
    Includes analgesic medication and suppressive treatments (neuro-endocrine and nuclear medicine treatments).
    • S$1,200 per month per patient
       
  • Outpatient anti-retroviral treatment for HIV patients (Note: 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 per patient
       
  • Desferral drug and blood transfusion for Thalassaemia treatment (Outpatient)
    • S$350 per month per patient
       
  • Hyperbaric Oxygen Therapy (Outpatient)
    • 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 (Outpatient)
    Medisave maybe used for the rental of the devices that provide concentrated oxygen or pressured oxygen for the above treatments.
    • S$75 per month per patient
       
  • Immuno-Suppressants for patients after organ transplants (Outpatient)
    • S$300 per month per patient


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.

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