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MedisaveMedisave<p>Medisave is a national medical savings scheme which helps CPF members put aside part of their income into their Medisave Accounts to meet their future personal or immediate family's hospitalisation, day surgery and certain outpatient expenses.​ </p>TrueTrueTrueOthers;#

 

 

Understand What is Medisave?<p>Medisave is a national savings scheme which helps CPF members save for future medical expenses, especially after retirement.</p><p>Under this national savings scheme, you contribute a part of your monthly salary to your Medisave Account (MA). If you earn yearly Net Trade Income (NTI) of more than $6,000 as a Self-Employed Person, you will also need to contribute to Medisave.</p><p>The CPF allocation rates for private sector employee and public sector non-pensionable employees are shown below: </p><div class="col-xs-12 col-sm-12 col-md-12 col-lg-12 col-print-12" style="padding-right:0px;padding-left:0px;"><table><tbody><tr><td> <img class="img-responsive" alt="CPF allocation rates for private sector employee and public sector non-pensionable employees" src="/Assets/members/PublishingImages/TableCPFRate.png" style="margin-right:5px;" /> </td></tr></tbody></table>   </div><p>You can read more on <a href="/Employers/EmployerGuides/employer-guides/paying-cpf-contributions/cpf-contribution-and-allocation-rates#Item587"> CPF contribution and allocation rates</a>.<br></p><p>For Self-Employed Persons: </p><div class="col-xs-12 col-sm-12 col-md-12 col-lg-12 col-print-12" style="padding-right:0px;padding-left:0px;"><table><tbody><tr><td> <img class="img-responsive" alt="Medisave contribution rates for self-employed persons" src="/Assets/members/PublishingImages/TableMedSEP.png" style="margin-right:5px;" /> </td></tr></tbody></table>   </div><p> ​You can read more on <a href="/Members/Schemes/schemes/self-employed-matters/self-employed-scheme">Medisave contributions for Self-Employed Persons</a>.</p>Medisave15811581
UnderstandWhere can I use my Medisave?<p>​You can use your Medisave at <a href="/Assets/members/Documents/Medisave_MedicalInstitutions.pdf" target="_blank">​all public healthcare institutions, and approved private hospitals and medical institutions</a> (PDF, 0.2MB).<br></p>Medisave18201731
Understand Who can I use my Medisave for?<p>You can use your Medisave for yourself or your immediate family members which include your spouse, children, parents and grandparents. They can be of any nationality, except for grandparents who must be Singapore Citizens or Permanent Residents.</p>Medisave15711571
Understand What can I use my Medisave for?<p>Your Medisave can be used to pay for medical care and hospitalisation expenses listed in the table below, up to the respective Medisave Withdrawal Limits. You can check with your hospital or healthcare provider for more details.​</p><table class="cpf-table cpf-form-table" style="width:100%;"><thead><tr><th style="width:50%;"><p> TYPES OF​ TREATMENTS<br> </p></th><th style="width:50%;"><p> MEDISAVE WITHDRAWAL LIMITS </p></th></tr></thead><tbody><tr><td colspan="2" style="width:50%;"><p> <strong>Acute Care​​</strong></p></td></tr><tr><td style="width:50%;"><p>Inpatient hospitalisation​</p></td><td style="width:50%;"><p>$450 per day + Surgical limits according to the Table of Surgical Procedures</p></td></tr><tr><td style="width:50%;"><p>Approved day surgeries</p></td><td style="width:50%;"><p>$300 per day + Surgical limits according to the Table of Surgical Procedures</p></td></tr><tr><td style="width:50%;"><p>Inpatient hospitalisation (for psychiatric treatment)</p></td><td style="width:50%;"><p>$150 per day up to $5,000 a year</p></td></tr><tr><td colspan="2" style="width:50%;"><p> <strong>Rehabilitative Care​​</strong></p></td></tr><tr><td rowspan="1" style="width:50%;"><p>Sta​y in approved community hospitals</p></td><td rowspan="1" style="width:50%;"><p>​$250 per day up to $5,000 a year</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Day rehabilitation centres</p></td><td rowspan="1" style="width:50%;"><p>​$25 per day, up to a maximum of $1,500 per year​</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Stay in approved convalescent hospitals</p></td><td rowspan="1" style="width:50%;"><p>​$50 per day, up to a maximum of $3,000 a year</p></td></tr><tr><td colspan="2" style="width:50%;"><p> <strong>End-of-Life Care​​</strong></p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Stay in approved hospices</p></td><td rowspan="1" style="width:50%;"><p>​$200 per day</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Home palliative care/Day hospice care</p></td><td rowspan="1" style="width:50%;"><p>$2,500 per patient per lifetime</p><p>The $2,500 Medisave lifetime withdrawal limit is shared between home palliative care and day hospice care.</p><p>For patients diagnosed with terminal cancer or end stage organ failure, there will not be any withdrawal limit if the bill is paid using the patient’s own Medisave Account.</p></td></tr><tr><td rowspan="1" colspan="2" style="width:50%;"><p> <strong>​Outpatient ​Treatment ​</strong></p></td></tr><tr><td rowspan="1" style="width:50%;"><p> <strong>Approved chronic conditions</strong></p><div><ul><li><p> Diabetes <br></p></li><li><p> Hypertension (high blood pressure) <br></p></li><li><p> Lipids disorders (e.g. high cholesterol) <br></p></li><li><p> Stroke <br></p></li><li><p> Asthma <br></p></li><li><p> Chronic obstructive pulmonary disease <br></p></li><li><p> Major depression <br></p></li><li><p> Schizophrenia <br></p></li><li><p> Dementia <br></p></li><li><p> Bipolar disorder <br></p></li><li><p> Osteoarthritis (degenerative joint diseases) <br></p></li><li><p> Anxiety <br></p></li><li><p> Benign prostatic hyperplasia (enlargement of the prostate gland) <br></p></li><li><p> Parkinson's disease <br></p></li><li><p> Nephrosis/nephritis (chronic kidney disease)<br></p></li></ul></div><div><ul><li><p> Epilepsy <br></p></li><li><p> Osteoporosis <br></p></li><li><p> Psoriasis <br></p></li><li><p> Rheumatoid Arthritis<br></p></li></ul></div><p> <strong>Approved vaccinations</strong></p><div><ul><li><p> Pneumococcal vaccinations for children under the age of 6 years <br></p></li><li><p> Hepatitis B vaccination <br></p></li><li><p> HPV vaccinations for females aged 9 to 26 years <br></p></li><li><p> Measles, Mumps and Rubella (MMR), Tuberculosis (BCG), Diptheria, Pertussis & Tetanus (DTaP/Tdap), Poliomyelitis, Haemophilus Influenza Type B (Hib) <br></p></li><li><p> Influenza and pneumococcal vaccinations for persons with <a href="/Assets/members/Documents/High%20Risk%20Groups.pdf" target="_blank">higher risk</a> (PDF, 0.2MB) of developing influenza-related complications and severe pneumococcal disease respectively<br></p></li></ul></div><p><strong>Approved heal​th screening</strong></p><div><ul><li><p> Screening mammograms for women aged 50 and above <br></p></li> <li><p> ​Selected screening tests for newborns in the outpatient setting<br></p></li><ol type="a"><li><p> Hearing test</p></li><li><p>G6P deficiency screening​​</p></li><li><p>Metabolic screening</p></li><li><p>Thyroid function test​​​​​</p></li></ol></ul></div></td><td rowspan="1" style="width:50%;"><p>$400 per year per account<br><br>Cash co-payment of 15% applies to treatments for approved chronic conditions</p></td></tr><tr><td rowspan="1" style="width:50%;"><p> <strong>​</strong>Flexi-Medisave (for elderly patients aged 65 and above)</p></td><td rowspan="1" style="width:50%;"><p>Up to $200 per year per patient </p><p>Only the patient's own or patient's spouse's (if also aged 65 and above) Medisave may be used.</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Outpatient scans and other diagnostics for cancer treatment</p></td><td rowspan="1" style="width:50%;"><p>​Up to $600 per year per patient</p></td></tr><tr><td rowspan="1" style="width:50%;"><p> <strong>​</strong>Outpatient scans for diagnosis or treatment of a medical condition</p></td><td rowspan="1" style="width:50%;"><p>Up to $300 per year per patient</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Assisted conception procedures</p></td><td rowspan="1" style="width:50%;"><div><ul><li><p> 1st withdrawal - $6,000 <br></p></li><li><p> 2nd withdrawal - $5,000 <br></p></li><li><p> 3rd and subsequent withdrawals - $4,000​</p></li></ul></div><p>Subject to a lifetime limit of $15,000 per patient</p><p>Only the patient’s own or patient’s spouse’s Medisave may be used.</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Renal dialysis treatment</p></td><td rowspan="1" style="width:50%;"><p>$450 per month per patient</p><p>Only the patient's own Medisave may be used. For patients aged 18 and below, the parents' Medisave may be used.</p></td></tr><tr><td rowspan="1" style="width:50%;"><p> <strong>Radiotherapy</strong></p><p>• External Radiotherapy <br> <br> • Brachytherapy with external radiotherapy <br> <br> • Brachytherapy without external radiotherapy<br> <br> • Superficial X-ray <br> <br>• Stereotactic radiotherapy </p></td><td rowspan="1" style="width:50%;"><p> <br> <br>• $80 per treatment<br><br>• $300 per treatment<br><br>• $360 per treatment<br><br>• $30 per treatment<br><br>• $2,800 per treatment</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Outpatient radiosurgery treatment</p><p>(namely Novalis radiosurgery treatment and Gamma Knife treatment for cancer patients)</p></td><td rowspan="1" style="width:50%;"><p>​• $7,500 per treatment and $300 per day for daily hospital charge.</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Chemotherapy​</p><p>(includes analgesic medication and suppressive treatments such as neuroendocrine and nuclear medicine treatments)</p></td><td rowspan="1" style="width:50%;"><p>$1,200 per month per patient</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>Anti-retroviral drugs for treatment of HIV/ AIDS</p><p>(includes drugs used to treat opportunistic infections)</p></td><td rowspan="1" style="width:50%;"><p>​$550 per month per patient ​</p><p>Only the patient's own Medisave may be used. For patients aged 18 and below, the patient's parents' Medisave may be used.</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Desferrioxamine drug and blood transfusion for treatment of thalassaemia</p></td><td rowspan="1" style="width:50%;"><p>​$350 per month per patient</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Hyperbaric oxygen therapy</p></td><td rowspan="1" style="width:50%;"><p>​$100 per treatment</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Outpatient intravenous antibiotic treatment</p></td><td rowspan="1" style="width:50%;"><p>​$600 per weekly cycle, up to $2,400 a year</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Rental of devices for long-term oxygen therapy and infant continuous positive airway pressure therapy</p></td><td rowspan="1" style="width:50%;"><p>​$75 per month per patient</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Immuno-suppressant drugs for organ transplant</p></td><td rowspan="1" style="width:50%;"><p>​$300 per month per patient</p></td></tr><tr><td rowspan="1" style="width:50%;"><p>​Outpatient Bone Marrow Transplant</p></td><td rowspan="1" style="width:50%;"><p>​$2,800 per year per patient</p></td></tr></tbody></table><p>To learn more, please visit the MOH webpage on <a href="https://www.moh.gov.sg/content/moh_web/home/costs_and_financing/schemes_subsidies/medisave/Withdrawal_Limits.html" target="_blank">Medisave Withdrawal Limits​</a>.</p>Medisave15831583
EvaluateCan I transfer my savings from other CPF accounts into my/my loved ones’ Medisave Account?<p>​​​If you have not met your Basic Healthcare Sum (BHS), you may apply to transfer the savings in your Special and/or Ordinary Account(s) to your Medisave Account (MA), up to your BHS. To do so, you have to be aged 55 and above and have the Full Retirement Sum (FRS) or Basic Retirement Sum (BRS) with sufficient property charge/pledge in your Retirement Account.</p><p>You may also apply to transfer the savings in your Special and/or Ordinary Account(s) to the MA of your loved ones aged 55 and above, up to their BHS. Loved ones refer to spouses, siblings, parents, grandparents, parents-in-law and grandparents-in-law.</p><p>The savings which you transferred to your loved ones’ MA can be used to pay for their own and their immediate family’s medical expenses, as well as the premiums of approved medical insurance schemes like MediShield Life.​</p><p>You may wish to take note of the following before you decide to apply for the transfer:</p><ul><li>​​The transfer to your/your loved ones’ MA is irrevocable. This means that the savings transferred to your/your loved ones’ MA cannot be transferred back to your originating CPF Account(s).</li><li>You will not be eligible for tax relief for the transfer.<br></li><li>If you are a self-employed person, the amount transferred to your MA will not be used to offset your outstanding Medisave liabilities (if any).​<br></li></ul><p>You may submit an application online via <a href="https://www.cpf.gov.sg/eSvc/Web/Services/MyRequest/MyRequestLanding" target="_blank"> <em>my cpf</em> Online Services - My Requests</a>. Please log in using your SingPass and select Healthcare Matters > CPF Transfer(s) to My / My Loved Ones’ Medisave Account. Your online application will be processed immediately. </p><p>Alternatively, you can download <a href="/Assets/members/Documents/FORM_MATRF.pdf" target="_blank">FORM MHC-TRF: CPF Transfer(s) to My/My Loved Ones' Medisave Account</a> (PDF, 0.9MB), complete it and mail it to CPF Board.</p><p>You can send the application form to:<br> Central Provident Fund Board<br>Robinson Road P.O. Box 3060<br>Singapore 905060<br>Attn: Medisave and Healthcare Claims Department</p><p>Your hardcopy application will be processed within 10 working days after we receive it.</p>Medisave18691732
EvaluateCan I use Medisave to fully cover my medical expenses?<p>The Medisave Withdrawal Limits are generally enough to pay for the charges incurred by a patient staying in a Class B2/C ward in a restructured hospital. If you decide to stay in a higher class ward or a private hospital, you may have to pay part of the bill in cash. It is therefore important to choose a ward or medical institution that you can afford. For a rough estimate on the medical charges, you can check the <a href="https://www.moh.gov.sg/content/moh_web/home/costs_and_financing/hospital-charges/Total-Hospital-Bills-By-condition-procedure.html" target="_blank"> hospital bill sizes by medical condition / procedure</a> at the Ministry of Health (MOH) website. If you know your estimated medical charges, you may use our Medisave/MediShield Life Calculator to estimate how much you can claim.</p>Medisave15881588
EvaluateWhat if I don’t have enough Medisave to pay the medical bill?<p>If you do not have enough Medisave to pay the bill, you can pay the shortfall in cash or consider the following payment options. The staff at the medical institution will be able to advise and assist you if you would like to use any of these options.</p><table class="ms-rteTable-default" cellspacing="0" style="width:100%;"><tbody><tr bgcolor="#d2d2d2"><td width="50%" align="left"> <b class="fontbold">Payment Using</b></td><td width="50%" align="left" valign="top"> <b class="fontbold">Conditions</b></td></tr><tr><td align="left" valign="top">Medisave from an immediate family member’s MA</td><td align="left" valign="top">The total amount you can use from all Medisave accounts is capped at the Medisave Withdrawal Limit.</td></tr><tr><td align="left" valign="top">Medisave from a non-immediate family member's MA</td><td align="left" valign="top">This only applies for hospital stays in a Class B2/C ward of a restructured hospital. You can check if you are eligible to use your non-immediate family member's Medisave with the hospital staff. </td></tr></tbody></table>Medisave15871587
DecideDo I need additional coverage for large hospital bills since there is MediShield Life now?<p> <strong>MediShield Life</strong> has replaced MediShield from 1 November 2015 to offer:<br></p><ul style="list-style-type:disc;"><li> <strong>Better protection and higher payouts,</strong> so that patients pay less Medisave/cash for large hospital bills</li><li> <strong>Protection For All Singapore Citizens and Permanent Residents</strong>, including the very old and those who have pre-existing illnesses</li><li> <strong>Protection For Life</strong></li></ul><p>MediShield Life is sized for Class B2/C ward stays and administered by CPF Board, if you wish to have additional coverage for treatments in Class A/B1 wards in public hospitals or in private hospitals, you can consider buying an <a href="/Members/Schemes/schemes/healthcare/private-medical-insurance-scheme">Integrate​d Shield Plan (IP)</a> from private insurers.</p><p>Singaporeans can pay for their MediShield Life premiums fully using Medisave. For those with IPs, there are Additional Withdrawal Limits (AWLs) to enable Singaporeans to use Medisave, up to a cap, to help pay the additional premiums for the private insurance component of IPs. The AWLs apply on top of the amount of Medisave used for MediShield Life premiums. The AWLs are as follows:</p><ul style="list-style-type:disc;"><li>$300 for those with age next birthday at 40 years and below;</li><li>$600 for age next birthday at 41 to 70 years; and</li><li>$900 for age next birthday at 71 years and above.</li></ul><p> <strong>Click <a href="https://www.moh.gov.sg/content/moh_web/medishield-life/integrated-shield-plans/ip-announcements.html" target="_blank">Additional Withdrawal Limits</a> for more information.</strong></p>Medisave15891589
ApplyHow do I apply to use my Medisave to pay for medical fees?<p>You should inform the medical institution that you want to claim from Medisave during billing, or when the patient is being discharged.</p><p>You will be asked to sign the Medical Claims Authorisation Form (MCAF), which authorises the institution to use your Medisave monies to pay the bill. After the payment has been processed, we will send you a Medisave Claims Statement, which shows:</p><ul><li style="margin-bottom:3pt;">the medical institution where the patient was admitted, </li><li style="margin-bottom:3pt;">the name of the patient you have paid for, and<br></li><li style="margin-bottom:3pt;">the amount deducted from your MA.<br></li></ul><p>The medical institution should also:</p><ul><li style="margin-bottom:3pt;">inform you or the patient of the bill incurred,</li><li style="margin-bottom:3pt;">confirm your name (the MA holder) with you, </li><li style="margin-bottom:3pt;">inform you about the amount deducted from your MA, and</li><li style="margin-bottom:3pt;">inform you and the patient about any outstanding bills to be paid.</li></ul><p>You can refer to the <a href="/Assets/members/Documents/Medisave_MedicalInstitutions.pdf" target="_blank">list of participating hospitals and medical institutions under the Medisave scheme</a> (PDF, 0.2MB).</p>Medisave15851585
ApplyWhat if someone passes away before signing the Medical Claims Authorisation Form (MCAF)?<p>Another person can sign the MCAF to pay the deceased CPF member’s last hospitalisation bill. This person can be:</p><ul><li style="margin-bottom:5pt;">an immediate family member of the deceased (spouse, parent or child who is at least 21 years old), or </li><li style="margin-bottom:5pt;">a donee appointed by the deceased or deputy appointed by the court under the Mental Capacity Act</li></ul><p>If there is no immediate family member or donee / deputy, a relative who has been taking care of the deceased may sign the MCAF, subject to approval by the Ministry of Health. The hospital will be able to help you obtain the approval from MOH.</p>Medisave15901590
ApplyShould I sign the Medical Claims Authorisation Form (Single) or (Multiple)?<p>Effective from 30 June 2015, the Medical Claims Authorisation Form or MCAF will replace:</p><ul><li>Medisave Authorisation Form (MAF); and</li><li>Claim Form for Integrated Shield Plan (IP)</li></ul><p>To authorise the use of your Medisave and/or to make a claim from MediShield Life or your IP for your treatment, you must sign the MCAF (Single Institution) or MCAF (Multiple Institutions). </p><p>The MCAF (Multiple Institutions) or MCAF(M) allows you to make a one-time authorisation for your current and future treatments at all participating Public Healthcare Institutions (PHIs), such as public hospitals and polyclinics for an unlimited period until you revoke it. You may refer to the <a href="https://www.moh.gov.sg/content/moh_web/home/costs_and_financing/schemes_subsidies/medisave/medical-claims-authorisation-forms.html" target="_blank"> list of PHIs</a> participating in the MCAF(M). By signing this form, you will not need to sign another authorisation form each time you want to use your Medisave, MediShield Life or IP at these participating PHIs.</p> <p>If your treatment is at a private medical institution or you do not want to sign the MCAF(M), you may sign the MCAF (Single Institution) or MCAF (S). To enable you to have greater oversight over the use of your Medisave, MCAF(S) authorisation is only valid at the medical institution indicated. An MCAF(S) authorisation for an inpatient hospitalisation is valid only for that particular hospitalisation. For outpatient treatments, you can may choose the duration of authorisation (e.g. single treatment, for a specified period, or life-long).</p><p>You may revoke your MCAF(M) or MCAF(S) authorisations at any time. Please approach the medical institution if you wish to do so.</p>Medisave17301729
ApplyWhere can I find more information on the Medical Claims Authorisation Form (Single Institution) or (Multiple Institutions)?<p>For more information on the MCAF, please visit <a href="https://www.moh.gov.sg/mcaf" target="_blank">Ministry of Health’s website.</a></p>Medisave17311730

 

 

Medisave / MediShield Life Claim Calculator Medisave / MediShield Life Claim Calculator <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MedisaveCalculator/Step1" target="_blank"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">home.asp</a>

 

 

 

 

 

 

Contribute to my Medisave (Tax deductible) (e-Cashier) (MP4, 1.1MB)Contribute to my Medisave (Tax deductible) (e-Cashier) (MP4, 1.1MB)<a href="/Assets/members/Documents/OnlineDemo/eCashier_Mbr_Med.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Contribute to my Medisave (Tax deductible) (e-Cashier)</a>
CPF Transfer(s) to My / My Loved Ones' Medisave Account (MP4, 1.4MB)CPF Transfer(s) to My / My Loved Ones' Medisave Account (MP4, 1.4MB)<a href="/Assets/members/Documents/OnlineDemo/CPFTransferMA.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">CPFTransferMA.mp4</a>

 

 

 

 

 

 

 

 

Application for CPF Transfer(s) to My/My Loved Ones’ Medisave Account<a href="/Assets/members/Documents/FORM_MATRF.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Form MHC-TRF</a><p>​​Form MHC-TRF (PDF, 0.9MB)<br></p>00

 

 

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