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9 ways to tap on your MediSave

28 Aug 2019 
SOURCE: CPF Board

Each month, MediSave helps you set aside a portion of your income to prepare for healthcare expenses that you or your loved ones may need in the future.


Here are 9 ways you can tap on your MediSave to keep your health in check!
9 ways to tap on your MediSave  

1. To stay healthy
MediSave comes in handy not only when you’re feeling under the weather, but also when you’re maintaining your health. 


You can use up to $500 per MediSave Account per year on screening tests, recommended vaccinations under the National Childhood Immunisation Schedule, National Adult Immunisation Schedule and outpatient treatments of 20 approved chronic conditions. 

2. When you welcome your baby 

Under the MediSave Maternity Package, you can tap on your MediSave for pre-delivery medical expenses of up to $900 and between $750 and $2,150 for your delivery procedure.  You can also use up to $550 per day for the first two days and up to $4​00 for each subsequent day of your stay in the hospital. 


For Assisted Conception Procedures, you can use up to $6,000 for your first treatment cycle and up to $15,000 per patient per lifetime. 


3. To pay for insurance premiums

All Singaporeans are covered for their basic hospitalisation needs under MediShield Life, for life.


​​MediSave helps you to pay for your health insurance premiums, or those of your immediate family members. This includes MediShield Life and CareShield Life or ElderShield premiums, as well as Integrated Shield Plan premiums, up to the Additional Withdrawal Limits. In opting for additional healthcare coverage, always assess and consider your healthcare needs and the affordability of the insurance premiums.


4. For surgery or hospitalisation

In the ev​​ent that you need inpatient care, you can withdraw up to $550 per day for the first two days of your stay in the hospital, and up to $400 for each subsequent day.


If you require surgery, you can withdraw an additional amount for surgical expenses, up to the surgical limits.  The surgical limits also apply for day surgeries, on top of $300 for ward charges. For more information, read​ this page on MediSave uses


5. When you need selected repeated treatment

You can also use MediSave when you require selected repeated treatments, to ease the burden of healthcare expenses that may add up over time. Such treatments include renal dialysis, for which you can use up to $450 a month. Cancer patients can use MediSave for various treatments, including up to $1,200 per month for chemotherapy. 

6. When you fall ill in old age

As you age, there is more flexibility to use your MediSave to reduce out-of-pocket payments for outpatient treatments. Under the Flexi-MediSave scheme, if you’re aged 60 and above, you can use up to $200 per patient per year from your own or your spouse’s MediSave account for outpatient treatment.  

7. When the doctor advises you to go for a scan

You can use up to $300 per year on outpatient medical scans such as CT or MRI scans.

8. For rehabilitation and recovery

If you need to stay in community hospitals or undergo rehabilitation to recuperate, you can use up to $250 per day for hospitalisation charges at community hospitals (up to a maximum of $5,000 per year), and up to $25 per day at approved day rehabilitation centres (up to a maximum of $1,500 a year). 

9. For end-of-life care

Should you need palliative care, you may use up to $200 per day from your MediSave for daily hospital charges in approved hospices. 

The combined lifetime withdrawal limit for day hospice and home palliative care is $2,500 per patient, but there will not be any limit if you’re diagnosed with terminal cancer or end-stage organ failure and if the bill is paid using your MediSave account.

For more information on uses of MediSave, visit https://www.moh.gov.sg/cost-financing/healthcare-schemes-subsidies/medisave

Information updated as at 8/3/2021

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