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Can MediSave be used for a deceased member's last hospitalisation bill?

The deceased member's MediSave can be used fully, without being subjected to the existing MediSave withdrawal limits to pay the last medical bill, if the member has passed away during his hospitalisation.

If the deceased member had not signed the Medical Claims Authorisation Form (MCAF) before his death, his spouse, parent or child aged 21 and above, or Donee/Deputy appointed under the Mental Capacity Act, has to quickly sign the MCAF on behalf of the deceased member to authorise the hospital to submit a claim, before the deceased's CPF funds including MediSave, is disbursed to his nominees or the Public Trustee Office. 

If the deceased member does not have a spouse, parent or child aged 21 and above, or Donee/Deputy, a next of kin (NOK) who has been taking care of the deceased can inform the hospital of his intention to sign the MCAF on behalf of the deceased member. The hospital will then seek approval from MOH on behalf of the NOK, before the NOK signs the MCAF.

If more than one MediSave Account (MA) holders had authorised the use of their MediSave to pay the medical bill of the deceased member before his demise and one of the MA belongs to the deceased, the protocol on the use of MediSave from the various accounts are as follows:

  1. The deceased member's MediSave will be used first to pay off the last medical bill without being subject to the MediSave withdrawal limits.
  2. If the deceased member's MediSave is not sufficient to pay the last medical bill, the MediSave from the other account holder(s) can then be used, provided that the MediSave withdrawn from the deceased member's account does not exceed the MediSave withdrawal limits.

Patient passes away with a final hospitalisation bill of $5,000, after staying in the hospital for five days without surgical treatment.

 

Patient's MediSave Balance = $4,000

 

$4,000 can be paid from the patient's MediSave and the remainder of $1,000 must be paid by cash. The patient's spouse, child, parent, grandchild or sibling's MediSave cannot be used as the maximum MediSave Withdrawal Limit of $2,300 has been reached.

Patient passes away with a final hospitalisation bill of $5,000, after staying in the hospital for five days without surgical treatment.

 

Patient's MediSave Balance = $1,500

 

$1,500 can be paid from the patient's MediSave and a further $800 can be paid from the MediSave of the patient's spouse, child, parent, grandchild or sibling, up to the maximum MediSave Withdrawal Limit of $2,300. The remaining $2,700 of the bill needs to be settled with cash.