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What can Medisave do?

Li Ru(Senior Financial Planner)

June 10, 2019
CPF benefit

PR or Singapore citizen all have CPF account. And CPF account is divided into OA, SA and Medisave. I often encounter customers asking me when Medisave can be used. Let me explain in detail today.

Medisave is your personal healthcare savings account. While you work, you save about 8% to 10.5% (depending on age) of your monthly salary in your Medisave account. Your Medisave helps you pay for your healthcare expenses over your lifetime, especially when you retire and no longer have a regular income.

So when can you use Medisave?

Premium Payments (for Self, Spouse, Parents & Children)

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.

Going for Surgery or Hospitalization (for Self, Spouse, Parents & Children)

1. for Hospitalization

The inpatient daily hospital limit applies if the patient is admitted to the hospital for at least 8 hours, $450 per hospitalization day (or $300 per day surgery episode) for hospital charges, which include daily ward charges, daily treatment fees, investigations and medicines.  These limits are generally enough to cover expenses incurred for subsidized hospitalization at Class B2 and C wards in public hospitals.

2. for Surgery

Claims are based on a fixed limit from the Table of Surgical Procedures (TOSP), from $250 to $7,550, depending on the complexity of the surgery.

3. Treatments to help with conceiving, pregnancy and delivery expenses

 MediSave Maternity Package

Hospital charges $450 per day, which include daily ward charges, daily treatment fees, investigations and medicines.

Delivery procedure $750 for normal delivery and $2150 for cesarean delivery.

Pre-delivery expense-an additional $450,which include consultations, ultrasounds, tests and medications.

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.

Outpatient care (for Self, Spouse, Parents & Children)

You can use up to $500 per MediSave account a year from June 2018 for staying healthy with outpatient preventive care and chronic disease treatment.

1. Chronic disease

Outpatient treatment for 20 approved chronic conditions under the Chronic Disease Management Programme(CDMP), there is 15% co-payment but no deductible.

 From June 2018, ischaemic heart disease is also included.

 2. Childhood vaccinations

  • Diphtheria,Pertussis&Tetanus(DTaP/Tdap)*
  • Poliomyelitis*
  • Haemophilus Influenzae Type B (Hib)*
  • Hepatutus B*
  • Measles,Mumps and Rubella(MMR)
  • Tuberculosis(BCG)
  • Pheumococcal vaccinations(for children under 6 years of age)

3. Adult vaccinations

  • 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) 
  • Varicella 

4. Health Screening

Mammogram Screenings (for women aged 50 and above)

Newborn screening tests

 i)Hearing test 

 ii)G6P deficiency screening 

 iii)Metabolic screening   

iv )Thyroid function test

5. 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. Both should be aged 60 and above for the patient to tap on the spouse’s MediSave Account.

For Repeated Treatment

1. Renal dialysis

Up to $450 a month from the patient’s MediSave Account. Patients aged 21 and below may use their parents’ MediSave Account instead.

2. Cancer

Outpatient radiotherapy for cancer patients   For External Therapy, $80 per treatment

For Brachytherapy with external radiotherapy, $300 per treatment

For Brachytherapy without external radiotherapy, $360 per treatment

For Superficial X-Ray, $30 per treatment

For Stereotactic radiotherapy, $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, $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

3.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 Program or antenatal scans

4. Outpatient Intravenous Antibiotic Treatment 

$600 per weekly cycle, up to $2,400 a year

5. Selected drugs, services or devices

Outpatient anti-retroviral treatment for HIV patients  

Outpatient Hyperbaric Oxygen Therapy 

Outpatient Long Term Oxygen Therapy and Infant Continuous Positive Airway Pressure Therapy 

Outpatient Immuno-Suppressants for patients after organ

Long-term Parenteral Nutrition 

Outpatient Autologous Bone Marrow Transplant for multiple myeloma treatment 

Long-term Care

1. Regaining Mobility after Hospitalization

For inpatient at a community hospital, $250 per day, up to $5,000 per year. For outpatient at a day rehabilitation center, $25 per day, up to $1,500 per year.

2. Receiving End-of-Life Care

For inpatient hospices, $200 per day. For home palliative care, $2,500 per lifetime. If you have terminal cancer or end-stage organ failure, there is no limit and you can use your full Medisave balance.

—The end—