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MediSave

MediSave is a national medical savings scheme that helps individuals set aside part of their income into their MediSave Account.

21 Sep 2018

MediSave is a national medical savings scheme that helps individuals set aside part of their income into their MediSave Account to help pay for their personal or immediate family members’ hospitalisation, day surgery and certain outpatient  expenses, as well as their own healthcare needs in old age.

MediSave withdrawal limits have been carefully set to ensure that Singaporeans have sufficient savings in their MediSave Account for their basic healthcare needs in old age. The withdrawal limits are generally adequate to cover most of the charges incurred at subsidised inpatient wards and outpatient treatments.

What can MediSave be used for?

Premium Payments


To pay for insurance premiums for MediShield Life, Integrated Shield Plans and ElderShield/ CareShield Life

MediSave can be used to pay for an individual’s own/ immediate family members’ health insurance premiums.

MediShield Life and ElderShield/ 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.

Inpatient Care


MediSave can be used to pay for an individual’s own / immediate family members’ hospitalisation expenses in Singapore.

Inpatient and Day Surgery at Acute Hospitals

The total MediSave claimable for a given inpatient/ day surgery episode is the sum of the daily hospital limits and the surgical limit.

  • Daily Hospital Limit

The inpatient daily hospital limit applies if the patient is admitted to the hospital for at least 8 hours, and 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)
S$450 per day for daily hospital charges. This includes a maximum of S$50 for doctor's daily attendance fees.

(Inpatient Psychiatric Episodes)
Up to S$150 per day for 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.

(Approved Day Surgeries)
Up to S$300 per day for daily hospital charges for surgeries. This includes a maximum of S$30 for doctor's attendance fees.

  • 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/ 5,510/ 5,650

7A/ 7B/ 7C

$6,200/ 6,900/ 7,550

  • Colonoscopy Screenings
    MediSave can be used for screening colonoscopies, 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 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 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
  • Treatment in approved day hospitals
    Up to S$150 per day for daily hospital charges, including a maximum of S$30 for the doctor's daily attendance fees, subject to a maximum of S$3,000 per year.

    (Note: If 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. $450 per day at acute hospitals.)


Treatments to help with conceiving, pregnancy and delivery expenses

  • MediSave Maternity Package
    Prevailing inpatient limits (Up to $450 for each 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)
    Use of MediSave 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 Scheme

Use up to $500 per MediSave account a year from June 2018 for:  

  • 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 aged below 5)
- Human Papillomavirus (HPV) (for females aged between 9 - 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)

  • Adult Vaccinations (for target populations under the National Adult Immunisation Schedule)

- Influenza*
- Pneumococcal vaccinations*
- Human Papillomavirus (HPV) (for females aged between 9 - 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.

  • Health Screening

- Mammogram Screenings
- Selected screening tests for newborns in the outpatient setting


Other Outpatient Uses

  • Flexi-MediSave for the Elderly 
    From June 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. The spouse needs to also be aged 60 and above for the patient to tap on the spouse’s MediSave Account.

    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 also be used together with other outpatient MediSave limits, such as the MediSave500 limit.


  • Outpatient renal dialysis treatment 
    Up to S$450 a month from the patient’s MediSave Account.

    Patients age 21 and below may use their parents' MediSave Account instead.


  • 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 (Gamma Knife or Novalis shaped beam treatment)

    $7,500 per treatment


  • Outpatient chemotherapy for cancer patients
    S$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 scans for diagnosis or treatment of a medical condition 
    Up to $300 per year per patient

    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


  • Outpatient anti-retroviral treatment for HIV patients 
    S$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 18
    and below, their parents' MediSave may be used.


  • Outpatient Hyperbaric Oxygen Therapy
    S$100 per treatment cycle


  • Outpatient Intravenous Antibiotic Treatment
    S$600 per weekly cycle, up to $2,400 a year


  • Outpatient Long Term Oxygen Therapy and Infant Continuous Positive Airway Pressure Therapy
    Up to S$75 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
    S$300 per month per patient


  • Outpatient Autologous Bone Marrow Transplant*
    S$2,800 per year per patient 

    *Only available at Medical Institutions whose clinical protocols have been approved by MOH. 

 

Long-term Care


  • Stay in approved hospices
    Up to S$200 per day for 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
  • 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 withdrawals for long-term 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 BalanceMonthly Withdrawal Quantum 
     $20,000$200 
     $15,000 and above$150 
     $10,000 and above$100 
     $5,000 and above$50 
     Below $5,000Nil 

     

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.
Medisave ClinicMedisave Doctor

MediSave Withdrawal

How do I make a MediSave withdrawal?


Medical staff need your consent and authorisation to advise you on the funding and payment options available to you, and assist you to claim from your MediSave, MediShield Life, and other IP plans.

  1. Download the MCAF

    MCAF(S) : If you are visiting a non-public healthcare institution, or prefer to provide authorisation at each visit.

    MCAF(M) : If you would like to authorise once for medical staff at all public healthcare institutions and participating institutions to help you with claims for your current and future treatments with them.* You may alternatively submit your MCAF(M) authorisation electronically via HealthHub .

  2. Complete the form to withdraw funds from your MediSave account for approved treatment for you and your immediate family members, and to make a claim on your:
    • MediShield Life Plan
    • Integrated Shield Plan (IP)
  3. Submit the form to receive treatment at all MediSave-accredited medical institutions:
    • public hospitals
    • private hospitals
    • polyclinics,
    • MediSave-accredited General Practitioner (GP) and
    • MediSave-accredited dental clinics.
  4. Refer to the up-to-date list of participating institutions here.

    * It is not compulsory to use the MCAF(M) form. You may submit a separate MCAF(S) form at each medical institution at which you are receiving treatment. However, the MCAF(M) form is available for the convenience of submitting just one form for all treatments across all participating institutions. Do note that if you are using your MediSave account for a family member, you must use MCAF(S).