Healthcare Financing

MediSave and MediShield Life claims calculator

Estimate how much you can claim from MediShield Life and withdraw from your MediSave for your medical treatment.

Assumptions

For medical treatments covered under the MediSave and MediShield Life scheme, and performed at Singapore-based medical institutions accredited under the MediSave and MediShield Life scheme only.

Important notes 
  • All fields are mandatory unless otherwise indicated.
  • This calculator cannot be used for non-claimable treatments.
  • Results are estimates only. You should consult a financial counsellor at your medical institution for a proper assessment of your medical bills.

To complete this form, you need:

  • Information about your medical treatment
  • Information about your medical institution
  • Information about your hospitalisation, if applicable
MediSave and MediShield Life claims calculator
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Treatment category

What type of treatment do you wish to claim for?



Enter treatment details




day(s)

day(s)

Add operation details

  • If you have more than 3 operations, include only the 3 most expensive procedures for a more accurate claim estimate. See the MediSave withdrawal limits page for details. 
  • You can use MediSave for up to 3 operations involving up to 2 body systems, or up to 2 operations within 1 body system.

You can add up to {0} operation(s)


day(s)

day(s)

Add operation details

  • If you have more than 3 operations, include only the 3 most expensive procedures for a more accurate claim estimate. See the MediSave withdrawal limits page for details. 
  • You can use MediSave for up to 3 operations involving up to 2 body systems, or up to 2 operations within 1 body system.

You can add up to {0} operation(s)


day(s)

day(s)


day(s)



Add operation details

  • If you have more than 3 operations, include only the 3 most expensive procedures for a more accurate claim estimate. See the MediSave withdrawal limits page for details. 
  • You can use MediSave for up to 3 operations involving up to 2 body systems, or up to 2 operations within 1 body system.

You can add up to {0} operation(s)

day(s)

You can add only cancer drug


  • If you have multiple drug treatments, note that you can only make claims for one treatment each month.  Do ensure your claim is based on the drug treatment with the higher claim limit. 

This treatment is for female patients only.


 

Fill in the number of days based on your selected day

rehabilitation service above

day(s)
day(s)
day(s)



Results

Here's how much you can use:

Only MediSave can be used for child delivery.

Only MediSave can be used for this outpatient treatment.

This estimate was generated on {dateOfCalcutatorEstimation}.

Result Details

Breakdown of MediShield Life claim and MediSave withdrawal Breakdown of MediSave withdrawal
  • The estimate assumes that you do not have an Integrated Shield Plan and this is your first MediShield Life claim of the policy year. If you are calculating your second or subsequent MediShield Life claim, the deductible does not apply.​
  • The estimate shows what you can use for treatments when your bill meets or exceeds the MediShield Life claim and MediSave withdrawal limits.​
  • If this treatment was received during a hospital stay, the bill is considered part of daily hospital charges, and cannot be claimed as outpatient charges.
  • The estimate shows what you can use for treatments when your bill meets or exceeds the MediSave withdrawal limits.
  • To pay for your bill, you can claim from your MediShield Life first before withdrawing from your MediSave. If your MediShield Life coverage and MediSave are insufficient to cover the bill, you may need to pay the outstanding amount in cash. You can also consider using a family member's MediSave savings.​
  • The amount you can claim from MediShield Life on this bill is less than the deductible, so there will be no payout from MediShield Life.​

Choose an affordable ward type​

If you stay in a ward type higher than Class B2 or C, MediShield Life will cover a smaller portion of your bill. Please approach the financial counsellor at your medical institution for details.


Resources

Healthcare claim examples​

See how the amounts you can claim from MediShield Life and withdraw from MediSave are affected by your age group, the type of medical treatment, and the ward you are staying in.​


View your MediSave balance

Check if you have sufficient MediSave for your medical treatment (Singpass login required).​


Check your MediShield Life coverage​

View your health insurance coverage for hospitalisation and treatments (Singpass login required).​


View MediSave withdrawal limits​

MediSave can be used to pay for your personal or approved dependants' hospitalisation, day surgery and certain outpatient expenses, as well as your healthcare needs in old age.


View MediShield Life claim limits​

MediShield Life helps you pay for personal large medical bills, incurred from hospitalisation, expensive and recurring outpatient treatments, and long-term care needs.​


Results

Here's how much you can use:

Only the patient's MediSave can be used for this outpatient treatment. If the patient is aged 21 years and below, the patient's parents may withdraw their MediSave for the expenses. 

Only the patient and/or her spouse’s MediSave can be used for this outpatient treatment. The total MediSave withdrawal amount for all treatment cycles cannot exceed $15,000.00.

Only MediShield Life can be used for this outpatient treatment.

 

Only MediSave can be used for this outpatient treatment.

Only MediSave can be used for this outpatient treatment.

The {withdrawableMedisave.cap} MediSave lifetime withdrawal limit is shared between home palliative and day hospice care. The lifetime limit will not apply if the patient is diagnosed with terminal cancer or end-stage organ failure and the medical bill is paid using the patient’s own MediSave.

Under MediShield Life, you can claim {claimableMedishieldLife.percentage} of the bill for your {typeOfOutpatientTreatment.displayValue}, up to {claimableMedishieldLife.charge} per {claimableMedishieldLife.type1}.

Under MediShield Life, you can claim {claimableMedishieldLife.percentage} of the bill for your {typeOfOutpatientTreatment.displayValue}, up to {claimableMedishieldLife.charge} per {claimableMedishieldLife.type1}.

 

Only the patient’s MediSave can be withdrawn for outpatient kidney dialysis. If the patient is aged 21 years and below, the patient’s parents may withdraw their MediSave for the expenses.

Under MediShield Life, you can claim {claimableMedishieldLife.percentage} of the bill for your {typeOfRadiotherapyTreatment.displayValue}, up to {claimableMedishieldLife.charge} per {claimableMedishieldLife.type1}.

Only MediSave can be used for this outpatient treatment.

 

You may withdraw up to {withdrawableMedisave.charge} per {withdrawableMedisave.type2} for {typeOfOutpatientTreatment.displayValue} from MediSave.

This estimate was generated on {dateOfCalcutatorEstimation}.

  • If this treatment was received during a hospital stay, the bill is considered part of daily hospital charges, and cannot be claimed as outpatient charges.
  • If this treatment was received during a hospital stay, the bill is considered part of daily hospital charges/daily ward and treatment charges, and cannot be claimed as outpatient charges. You can use MediSave to pay for the co-insurance and remaining balance of the bill not covered by MediShield Life. The amount that you can withdraw from MediSave will be the lower of the actual cost of the claim item(s) or the MediSave withdrawal limits.
  • If this treatment was received during a hospital stay, the bill is considered part of daily hospital charges/daily ward and treatment charges, and cannot be claimed as outpatient charges.
  • The estimate shows what you can use for treatments when your bill meets or exceeds the MediShield Life claim and MediSave withdrawal limits.
  • The estimate shows what you can use for treatments when your bill meets or exceeds the MediSave withdrawal limits.
  • If your MediSave is insufficient to cover the bill, you may need to pay the outstanding amount in cash. You can also consider using a family member's MediSave savings
  • If your MediSave is insufficient to cover the bill, you may need to pay the outstanding amount in cash.
  • To pay for your bill, you can claim from your MediShield Life first before withdrawing from your MediSave. If your MediShield Life coverage and MediSave are insufficient to cover the bill, you may need to pay the outstanding amount in cash. You can also consider using a family member's MediSave savings.

Choose an appropriate medical institution

MediShield Life benefits are designed to cover subsidised bills incurred by Singapore Citizens and Permanent Residents at public medical institutions. Hence, non-subsidised bills are pro-rated before the claims under MediShield Life are computed. Please approach the financial counsellor at your medical institution for details.


Resources

Healthcare claim examples​

See how the amounts you can claim from MediShield Life and withdraw from MediSave are affected by your age group, the type of medical treatment, and the ward you are staying in.


View your MediSave balance

Check if you have sufficient MediSave for your medical treatment (Singpass login required).​


Check your MediShield Life coverage​

View your health insurance coverage for hospitalisation and treatments (Singpass login required).​


View MediSave withdrawal limits​

MediSave can be used to pay for your personal or approved dependants' hospitalisation, day surgery and certain outpatient expenses, as well as your healthcare needs in old age.


View MediShield Life claim limits​

MediShield Life helps you pay for personal large medical bills, incurred from hospitalisation, expensive and recurring outpatient treatments, and long-term care needs.​


Results

Here's how much you can use:

Under MediShield Life, you can claim {cancerDrugs.MediShield.percentage}% of your bill for cancer drug treatment, up to {cancerDrugs.MediShield.amount} per month.

Under MediShield Life, you can claim {cancerDrugService.MediShield.percentage}% of your bill for cancer drug-related services, up to {cancerDrugService.MediShield.amount} per year.

Under MediShield Life, you can claim 90% of your bill for cancer drug treatment and cancer drug-related services, up to the respective limits stated above.

This estimate was generated on {dateOfCalcutatorEstimation}.

  • Only cancer drugs used for an approved clinical indication are eligible for claims. For the complete list of cancer drugs and their associated clinical indications claimable under MediShield Life and MediSave, please refer to the MediShield Life Outpatient Cancer Drug List on the Ministry of Health website. You may also wish to consult your doctor on the clinical indications.
  • If this treatment was received during a hospital stay, the bill is considered part of daily hospital charges/daily ward and treatment charges, and cannot be claimed as outpatient charges.
  • The estimate shows what you can use for treatments when your bill meets or exceeds the MediShield Life claim and MediSave withdrawal limits.
  • To pay for your bill, you can claim from your MediShield Life first before withdrawing from your MediSave. If your MediShield Life coverage and MediSave are insufficient to cover the bill, you may need to pay the outstanding amount in cash. You can also consider using a family member's MediSave savings.

Choose an appropriate medical institution

MediShield Life benefits are designed to cover subsidised bills incurred by Singapore Citizens and Permanent Residents at public medical institutions. Hence, non-subsidised bills are pro-rated before the claims under MediShield Life are computed. Please approach the financial counsellor at your medical institution for details.


Resources

Healthcare claim examples​

See how the amounts you can claim from MediShield Life and withdraw from MediSave are affected by your age group, the type of medical treatment, and the ward you are staying in.


View your MediSave balance

Check if you have sufficient MediSave for your medical treatment (Singpass login required).​


Check your MediShield Life coverage​

View your health insurance coverage for hospitalisation and treatments (Singpass login required).​


View MediSave withdrawal limits​

MediSave can be used to pay for your personal or approved dependants' hospitalisation, day surgery and certain outpatient expenses, as well as your healthcare needs in old age.


View MediShield Life claim limits​

MediShield Life helps you pay for personal large medical bills, incurred from hospitalisation, expensive and recurring outpatient treatments, and long-term care needs.​


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