MediSave is a national medical savings scheme that helps individuals set aside part of their income to meet healthcare needs.

02 Feb 2023

MediSave is a national medical savings scheme that helps individuals set aside part of their income to pay for their personal or approved dependents’ hospitalisation, day surgery and certain outpatient expenses, as well as their 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?

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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.

  • Daily Hospital 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.
  • Radiosurgery treatment for cancer patients (including Proton Beam Therapy Category 4 for approved clinical indications)
    Up to $7,500 per course of treatment plus the relevant daily hospital limit.

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 23 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, allergic rhinitis, gout, chronic hepatitis B.
  • 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.

  • Health Screening

- 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 
    $300 per patient per year from the patient's or patient's spouse's MediSave Account for outpatient medical treatment, as well as approved vaccinations and screenings. Both patient and patient's spouse should 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 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
    • For Proton Beam Therapy for approved clinical indications:
      • Category 1, $80 per treatment
      • Category 2, $360 per treatment
      • Category 3, $2,800 per treatment
  • Outpatient cancer drug treatment for cancer drugs on the Cancer Drug List
    • Up to $1,200 per month for cancer drug treatments on the Cancer Drug List with MediShield Life claim limit above $5,400. Up to $600 per month for other cancer drug treatments on the Cancer Drug List
    • If more than one cancer drug from the list is used in a month, the patient may claim up to the amount not exceeding the highest MediSave claim limit applicable for the individual drugs.
    • Click here for more information on the Cancer Drug List
  • Cancer Drug Services and Other Cancer Scans
    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, scans for chronic disease under the Chronic Disease Management Programme or antenatal scans

  • 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 rehabilitative service 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, end stage organ failure or advanced dementia, 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 BalanceMonthly Withdrawal Quantum 
     $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

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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 perform a one-time authorisation for your current and future treatments at all participating institutions*. 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/or to make a claim from your MediShield Life/Integrated Shield Plan.
    Guide on how to complete the MCAF (For inpatient treatments)

    Guide on how to complete the MCAF (For outpatient treatments)

  3. Submit the form to the MediSave-accredited medical institution where you are receiving treatment.
    MediSave-accredied institutions include:
    • public hospitals
    • private hospitals
    • polyclinics,
    • MediSave-accredited General Practitioner (GP) and
    • MediSave-accredited dental clinics

    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).