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Premium Payments
To pay for insurance premiums for MediShield Life, Integrated Shield Plans and ElderShield or CareShield Life
MediSave can be used to pay for an individual’s own health insurance premiums, or those of their approved dependents.
MediShield Life and ElderShield or CareShield Life premiums can be covered fully by MediSave.
MediSave may also be used to pay for Integrated Shield Plan (IPs) and ElderShield Supplement premiums, up to withdrawal limits. Find out more about the Additional Withdrawal Limits for IPs and the withdrawal limit for ElderShield Supplements here.
Inpatient Care
MediSave can be used to pay for an individual’s own / approved dependents’ hospitalisation expenses in Singapore.
Inpatient and Day Surgery at Acute Hospitals
The total MediSave claimable for a given inpatient or day surgery episode is the sum of the daily hospital charge limit and the surgical limit.
The inpatient daily hospital limit applies if the patient is admitted to the hospital for at least 8 hours, while the day surgery limit applies if a patient undergoes a surgical operation listed under the Table of Surgical Procedures and is admitted and discharged within the same day. The claim limits are as follows:
(Inpatient Episodes)
Up to $550 for the first two days of admission and $400 per day from the third day onwards for daily hospital charges, in addition to any surgical limit applicable (below).
(Inpatient Psychiatric Episodes)
Up to $150 per day for daily hospital charges, subject to a maximum of $5,000 a year.
(Approved Day Surgeries)
Up to $300 per day for daily hospital charges, in addition to the surgical limit (below).
- Surgical Limit (Inpatient and day surgery)
The surgical limit depends on the complexity of the operation, according to the Table of Surgical Procedures (TOSP), as given below. See the TOSP for the full list of surgeries and their MediSave withdrawal limits.
Table of Operations
|
MediSave Surgical Limit
|
1A/ 1B/ 1C
|
$250/ 350/ 450
|
2A/ 2B/ 2C
|
$600/ 750/ 950
|
3A/ 3B/ 3C
|
$1,250/ 1,550/ 1,850
|
4A/ 4B/ 4C
|
$2,150/ 2,600/ 2,850
|
5A/ 5B/ 5C
|
$3,150/ 3,550/ 3,950
|
6A/ 6B/ 6C
|
$4,650/ 5,150/ 5,650
|
7A/ 7B/ 7C
|
$6,200/ 6,900/ 7,550
|
- Colonoscopy Screenings
MediSave can be used for screening colonoscopies where recommended, subject to the prevailing TOSP withdrawal limit for colonoscopy procedures plus $300 per day for associated day surgery charges.
Inpatient stay at other settings
- Stay in approved community hospitals
Up to $250 per day for daily hospital charges, subject to a maximum of $5,000 a year.
- Stay in approved convalescent hospitals
Up to $50 per day for daily hospital charges, subject to a maximum of $3,000 a year.
- Treatment in approved day hospitals
Up to $150 per day for daily hospital charges, subject to a maximum of $3,000 a year.
(Note: If outpatient treatments were undertaken while a patient was hospitalised, the patient will not be eligible to claim separately under the withdrawal limits for outpatient treatment. The eligible claim would be based on the prevailing inpatient withdrawal limits i.e. $450 per day at acute hospitals.)
Treatments to help with conceiving, pregnancy and delivery expenses
- MediSave Maternity Package
Prevailing inpatient limits (up to $550 for the first two days and $400 for the third and subsequent day in the hospital and applicable surgical withdrawal limit depending on the delivery procedure) plus an additional $900 for pre-delivery medical expenses. For more information, please refer to the Marriage and Parenthood Schemes page.
- Assisted Conception Procedures (ACP)
MediSave may be used for ACP treatment cycles regardless of whether treatment is received in inpatient or outpatient setting). Only the patient’s and her spouse’s MediSave accounts may be used. The withdrawal limits are:
- 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 Care
MediSave500 or MediSave700 Scheme
From 1 Jan 2021, patients with complex chronic conditions will be able to use up to $700 per patient yearly, while other patients will be able to use up to $500 per patient yearly for the following treatments. Find out more here (eng, chi, malay, tamil):
-
Outpatient treatments of the following 20 conditions 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,
nephrosis/nephritis
, epilepsy, osteoporosis, psoriasis, rheumatoid arthritis, ischaemic heart disease.
-
Childhood Vaccinations (under the National Childhood Immunisation Schedule)
- Pneumococcal vaccinations (for children below 5 years of age)
- Human Papillomavirus (HPV) (for females between 9 and 26 years of age)
i) Cervarix
ii) Gardasil (4-valent HPV vaccine)
- Hepatitis B vaccination
- Measles, Mumps and Rubella (MMR)
- Tuberculosis (BCG)
- Diphtheria, Pertussis & Tetanus (DTaP/Tdap)
- Poliomyelitis
- Haemophilus Influenza Type B (Hib)
- Varicella
-
Adult Vaccinations (for target populations under the National Adult Immunisation Schedule)
- Influenza*
- Pneumococcal vaccinations*
- Human Papillomavirus (HPV) (for females between 9 and 26 years of age)
i) Cervarix
ii) Gardasil (4-valent HPV vaccine)
- Hepatitis B vaccination
- Measles, Mumps and Rubella (MMR)
- Diphtheria, Pertussis & Tetanus (DTaP/Tdap)
- Varicella
* Also recommended for specific groups of children, including those with medical conditions or immunocompromised or with
rare conditions.
- Mammogram Screenings (for women aged 50 and above)
- Selected screening tests for newborns in the outpatient setting
Other Outpatient Uses
-
Flexi-MediSave for the Elderly
From July 2018, patients aged 60 and above can use up to $200 per patient per year from their own or their spouse’s MediSave
Account for outpatient medical treatment, as well as approved vaccinations and screenings. Both should be aged 60 and above for the patient to tap on the spouse’s
MediSave Account. From 1 June 2021, the limit has been enhanced to $300 per patient per year. Flexi-MediSave can be used at:
- Specialist Outpatient Clinics in the public hospitals and national specialty centres;
- Polyclinics; and
- Participating Community Health Assist Scheme (CHAS) Medical GP clinics.
Flexi-MediSave can be used together with other outpatient MediSave limits, such as the MediSave500/700 limit.
- Outpatient renal dialysis treatment
Up to $450 a month from the patient’s MediSave Account.
Patients aged 21 and below
may use their parents' MediSave Account instead
The monthly limit can be used for haemodialysis (HD) conducted in approved renal dialysis centres, automated peritoneal dialysis (APD) and continuous ambulatory peritoneal dialysis (CAPD) conducted at home. From 15 Mar 2021, patients may also tap on the same limit for intermittent peritoneal dialysis (IPD) conducted in outpatient setting in approved medical institutions.
List of consumables that can be paid for using MediSave for renal dialysis treatment at home are:
- Arterio venous blood line
- Arterio venous fistula needle
- Dialysate
- Peritoneal dialysis (PD) drainage bag
- HD dialyser
- Intravenous infusion set
- Normal saline or bicarbonate solution
- Transfer set
- Disinfection cap
- Connection shield
- APD casette
- HD locking solution
- HD catheter cap and connector
- Filters for portable reverse osmosis (RO) machines and HD machines
- Anticoagulants for HD circuits
- Outpatient radiotherapy for cancer patients
- For External Therapy (except hemi-body radiotherapy), $80 per treatment
- For Hemi-body radiotherapy, $80 per treatment
- For Brachytherapy, $360 per treatment
- For Stereotactic radiotherapy, $2,800 per treatment
- Outpatient radiosurgery treatment for cancer patients (Gamma Knife or Novalis shaped beam treatment)
Up to $7,500 per course of treatment
- Outpatient chemotherapy for cancer patients
Up to $1,200 per month per patient
Includes analgesic medication and suppressive treatments (neuro-endocrine and nuclear medicine treatments).
- Outpatient MRI scans, CT scans and other diagnostics for cancer patients
Up to $600 per year per patient
- Outpatient anti-retroviral treatment for HIV patients
Up to $550 per month per patient
Includes drugs used for the treatment of opportunistic infections.
Only the patient's own MediSave may be used. For patients aged 21 and below, their parents' MediSave may be used.
Outpatient Hyperbaric Oxygen Therapy
Up to $100 per treatment cycle
-
Outpatient Intravenous Antibiotic Treatment
$600 per weekly cycle, up to $2,400 a year
-
Outpatient Long Term Oxygen Therapy and Infant Continuous Positive Airway Pressure Therapy
Up to $150 per month per patient may be used for the rental of the devices that provide concentrated oxygen or pressured
oxygen for the above treatments.
-
Outpatient Immuno-Suppressants for patients after organ transplants
Up to $300 per month per patient
-
Long-term Parenteral Nutrition
Up to $200 per month per patient
-
Outpatient Autologous Bone Marrow Transplant for multiple myeloma treatment
Up to $2,800 per year per patient
Desferrioxamine Drug and Blood Transfusion for Thalassaemia
Up to $550 per month per patient
Long Term Care
-
Stay in approved inpatient hospice palliative care services (IHPCS)
Up to S$250 per day for general palliative care, and up to $350 per day for specialised palliative care
-
Day Rehabilitation at approved day rehabilitation centres
Up to $25 per day for day rehabilitation charges, subject to a maximum of $1,500 a year
-
Home palliative and day hospice care
A combined lifetime withdrawal limit of $2,500 per patient for day hospice and home palliative care (adults and paediatrics).
For day hospice and adult home palliative care patients diagnosed with terminal cancer or end stage organ failure, there
will not be any withdrawal limit if the bill is paid using the patient’s own MediSave account.
MediSave Care
From 2020, severely disabled Singapore Residents aged 30 and above will be able to withdraw up to $200 per month for their long-term care needs. The withdrawal quantum depends on the MediSave balance at the point of monthly withdrawal, as given below.
MediSave Balance | Monthly Withdrawal Quantum |
$20,000 | $200 |
$15,000 and above | $150 |
$10,000 and above | $100 |
$5,000 and above | $50 |
Below $5,000 | Nil |
For Patients
If your clinic is not participating in this scheme, you may invite them to apply by clicking here.
For Doctors/ Clinics
GPs/Clinics who wish to be MediSave-accredited can apply with the Ministry of Health here.

