Singapore Medisave

I. Medisave

These additional conditions apply on top of the previously set MOH conditions on Medisave use:

  1. Medisave usage is limited to overseas executed hospitalisations and day surgeries and cannot be used for outpatient treatment.
  2. The overseas hospital must have an approved working arrangement with a Medisave-accredited institution/referral centre in Singapore such as MOH-approved, HMI and our two hospitals Regency in Johor and Mahkota in Malacca
  3. The patient must be referred through HMI’s Medisave-accredited referral centre at Balestier Clinic and Health Screening Centre in Singapore, where pre-admission clinical assessment and financial counselling will be provided to the interested patient.

Yes, subjected to the MOH set of conditions for Medisave use

All the Medisave coverages in Singapore will apply when used overseas, subject to conditions set by MOH to Medisave accredited providers such as HMI.
Currently, these are the expenses of an inpatient in Mahkota that can be covered by Medisave:

  • Daily ward charges; including meal charges and ICU;
  • Facility fees e.g. operating theatres and labour wards;
  • Pre-admission tests solely for surgery
  • Professional fees;
  • Laboratory investigation fees;
  • Radiological examinations and procedures;
  • Medicines (including discharge prescription)
  • Radioisotope studies;
  • Radiotherapy/ Chemotherapy treatment
  • Haemodialysis
  • Rehabilitative services
  • Medical supplies
  • Surgical implants and prostheses introduced during surgery

All the Medisave coverage in Singapore will be applied when used overseas. Currently, these are the expenses that cannot be covered by Mediasave in overseas:

  • Outpatient treatment charges e.g. consultation for cough and cold, except for certain approved outpatient treatments.
  • Expenses incurred by the patients’ companions in the hospital
  • Charges for medical reports and ambulance services
  • Charges for blood test and screening tests done in connection with Hepatitis B vaccination
  • Expenditure on purchases of equipment, devices, prostheses and appliances which are not implanted e.g. wheelchairs and beds
  • Expenditure on telephone, fax, laundry of personal clothing and any other expenditure which are deemed as private expenses of the patient
  • Expenses incurred on employing private nurses.

Yes, your Medisave can be used for both emergency and elective hospitalisation overseas.
No, unless these procedures are done for medical conditions only.
Yes, as long as it is not an outpatient treatment and only for dental surgeries that fall within the Table of Surgical Procedures would be allowed for claim. Minor surgical procedures (MSP1 and MSP2) regardless of dental or normal, cannot be claimed.

The amount that you can spend is the same as that in Singapore, depending on the choice of treatment. Using Medisave to pay the hospital bills is subject to the prevailing Medisave withdrawal limits which are intended to preserve members’ Medisave from being depleted too fast so as to conserve it for their future hospitalisation needs. For a hospitalisation claim, the patient must stay in the hospital for at least eight hours (unless the patient is admitted for a day surgery) or died within eight hours of being hospitalised.

Medisave covers up to:

  • $450 per day for daily hospital charges. This includes a maximum of $50 for doctor’s daily attendance fees; and
  • a fixed limit per table of surgical operations (ranges from $150 to $5000)
  • For more details, we will need to have more information on the treatment you are seeking.

Lab tests, x-rays or other diagnostic tests that are related to the surgery may be claimable. You can utilise Medisave only if it is part of your inpatient/day surgery treatment. Diagnostic, health screening or any other outpatient procedures are strictly not claimable using Mediasave.
Your Medisave can be used to pay medical expenses incurred by the Medisave account holder and your immediate family such as spouse, parents or children, as long as they reside in Singapore. You can also claim for your grandparents, but they must be Singaporeans/PRs and reside in Singapore.
For more information, refer to the Guidelines on Eligibility of Medisave usage for overseas hospitalisation and day surgeries.
Login to CPF website with your Singpass:
No. Your overseas Medisave is only for overseas hospitals working with a Medisave- accredited referral centre in Singapore.
Starting from 1 March 2010, Singapore residents are able to use their Medisave to pay for their hospitalisation overseas in Medisave accredited overseas hospitals.