Singapura Medisave

I. Medisave

Q1: What are the conditions for the use of Medisave in MMC?
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 RSH in Johor and MMC 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 provide pre-admission clinical assessment and financial counselling will be provided to the interested patient;

Q2: Can I use my Medisave for inpatient treatment?
Yes subject to the MOH set conditions for Medisave use

Q3: What can Medisave cover for inpatients?
All the Medisave coverage 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 the hospital 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

Q4: What cannot be covered by overseas Medisave?
All the Medisave coverage in Singapore will apply when used overseas. Currently, these are the expenses that Medisave cannot be used to cover:

  • Outpatient treatment charges e.g. consultations 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, telex, fax, laundry of personal clothing, and any other expenditure which are deemed as private expenses of the patient
  • Expenses incurred on employing private nurses.

Q5: Can I use my Medisave for elective hospitalization?
Yes, your Medisave can be used for both emergency and elective hospitalization overseas.

Q6: Can I use my Medisave for cosmetic surgery/treatment?
No, unless these procedures are done for medical conditions only.

Q7: Can I use my Medisave for dental surgery overseas?
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 to claim. Minor surgical procedures (MSP1 and MSP2) regardless of dental or normal, would not be allowed to claim.

Q8: Can I use my Medisave for outpatient treatment?

Q9: What is the limit that I can spend for Medisave in Malaysia?
The limit that you can spend the same as that in Singapore, and depends on the treatment you are seeking. The use of 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 have stayed in the hospital for at least 8 hours (unless the patient is admitted for day surgery) or died within 8 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.

Q10: Can I use my Medisave for MRI, CT scans and diagnostics tests?
Lab tests, x-rays or other diagnostic tests that are related to the surgery may be claimed. You can utilize medisave only if this is part of your inpatient/day surgery treatment. Diagnostic, health screening or any other outpatient procedures are strictly not medisave claimable.

Q11: Can I use my Medisave savings to pay for overseas hospital bills incurred by my family members?
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 normally reside in Singapore. You can also claim for your grandparents, but they must be Singaporeans/PRs and normally reside in Singapore.

Q12: Can I use my Medisave to pay for medical expenses incurred by my sibling/parents-in-law/relatives?
For more information, refer to Guideline on eligibility to use medisave for overseas hospitalization and day surgeries.

Q13: How can I check how much I have in my medisave account?
Login to CPF website with your Singpass:

Q14: Can I use my Medisave in all Malaysian hospitals?
No. Your overseas Medisave is only for overseas hospitals working with a Medisave- accredited referral centre in Singapore.

Q15: May I know when can I start to use my Medisave overseas?
Starting from 1 March 2010, Singapore residents will be able to use their Medisave to pay for their hospitalisation overseas in Medisave accredited overseas hospitals.