What Medisave Uses and Limitations

Medisave

You can use Medisave to pay your hospital bill as well as that of your immediate family, i.e. your spouse, children, parents or grandparents. If you are using your Medisave for your grandparents, they must be Singapore Citizens or Permanent Residents. During admission, you should inform the Admitting staff that you wish to use your Medisave to pay. You should also bring along your NRIC/Passport or your CPF membership card. You will need to sign a 'Consent to Release Medisave/Medishield Information' form to enable the hospital to access the information via the CPF Board system. You will also need to sign a Medisave Authorisation Form authorising the CPF Board to deduct from your Medisave Account to pay for the hospital bill. You may use your Medisave to pay for the hospital bill of non-immediate family members (ie, brother, sister, uncle, aunty, in-laws, niece and nephew), provided that the patient: Is a Singapore citizen or a Permanent resident Does not have a Medisave account Has immediate family members who do not have Medisave accounts and cannot afford to pay the hospital bill Is staying in a B2 or C class ward Is a dependant of the Medisave account holder Medisave cannot be used for the followings: Outpatient consultation fees, tests and investigations Charges for medical reports Expenditure on equipment, devices and appliances such as wheelchairs Private expenditures such as telephone calls, faxes and personal laundry Hospitalisation charges if hospitalisation is less than 8 hours, with the exception of day surgery cases Ambulance fees Rental of sleeper units There is also a withdrawal limit for the use of Medisave for selected outpatient treatment, eg. renal dialysis, ACP, chemotherapy, radiotherapy. For inpatient: The maximum Medisave withdrawal limit is $450 per day for each day of hospitalisation. The withdrawal limit for surgical procedures ranges from $150 to $5,000 depending on the types of surgical procedure. For day surgery: The withdrawal limit is $300 for hospital charges, while the withdrawal limit for surgical procedure range from $150 to $5,000. For maternity: With effect from 1 August 2004, Medisave can be used to pay for the hospitalisation charges for the delivery of the first four children. For the fifth and subsequent child, parents will need to have a combined Medisave balance of at least S$15,000 at the time of delivery to be eligible.

What can Medisave cover (for your hospital expenses)

Medisave covers the following hospital expenses:
	a. Daily ward charges b. Doctor's fees c. Surgical operations, including the use of operating theatres; and d. In-patient charges for medical treatment, investigations, medicines, rehabilitative services, medical supplies, implants and prostheses introduced during surgery. Medisave covers up to: a. $450 per day for daily hospital charges for hospital admission on or after 1 May 2007, or $400 per day for daily hospital charges for admission before 1 May 2007. This includes a maximum of $50 for doctor's daily attendance fees b. A fixed limit per table of surgical operation as detail below: Table of Surgical Procedures+ Medisave Limits Per Surgical Operation * (S$) 1A - 1C 150 - 250 2A - 2C 350 - 600 3A - 3C 800 - 1,200 4A - 4B 1,400 - 1,800 5A - 5C 2,000 - 2,400 6A - 6B 2,800 - 3,600 7A - 7C 4,000 - 5,000 + Classification indicates the complexity of the procedure. For a list of procedures, please click on the above links. * Includes surgeon, anaesthetist and facility fees c. For approved day surgeries, Up to S$300 per day for daily hospital charges and a fixed limit per table of surgical operation for surgeries done on or after 1 May 2007.  Up to S$200 per day for daily hospital charges and a fixed limit per table of surgical operation for surgeries done before 1 May 2007. d. For psychiatric treatment, Medisave can be used to cover up to $150 per day for the daily hospital charges including a maximum of $50 for the doctor's daily attendance fees, subject to a maximum of $5,000 a year for admission on or after 1 Jan 2007, or subject to a maximum of $3,500 a year for admission before 1 Jan 2007. e. For approved community hospitals, Medisave can be used to cover up to $150 per day for the daily hospital charges, including a maximum of $30 for the doctor's daily attendance fees, subject to a maximum of $3,500 a year. f. For approved convalescent hospitals, Medisave can be used to cover up to $50 a day for the daily hospital charges, including a maximum of $30 for the doctor's daily attendance fees, subject to a maximum of $3,000 a year. g. For approved hospices, Medisave can be used to cover up to $160 per day for the daily hospital charges, including a maximum of $30 for the doctor's daily attendance fees.