MediSave is a national medical savings scheme which helps individuals set aside part of their income into their MediSave accounts to meet their future personal or immediate family's hospitalization, day surgery and certain outpatient expenses. Below are areas which you can use your MediSave for:
Going for Surgery or Hospitalisation
You can claim up to $450 per hospitalisation day (only if patient stays at least 8 hours in hospital unless admitted for day surgery). Surgery claims are based on a fixed limit from the Table of Surgical Procedures. From $250 to $7750 depending on complexity of surgery.
Getting a Medical Scan
You can claim up to $300 per year per patient for scans (CT or MRI Scans) needed to diagnose or treat your medical condition.
From June 2018, you can claim up to $500 per year per account under MediSave500 to stay healthy. This includes outpatient preventive care (screening test, vaccinations) and chronic disease treatment.
Paying for Medical and Long-Term Care Insurance
You can use MediSave to pay for insurance premiums for MediShield Life, Integrated Shield Plans and ElderShield
For Repeated Treatment
You can use MediSave for conditions that require prolonged, regular treatment and may be costly over time. For example, renal dialysis, cancer treatments and other conditions.
Regaining Mobility after Hospitalisation
You can use MediSave for rehabilitation and recovery such as for an inpatient stay at a community hospital or outpatient at a day rehabilitation centre.
For Treatment in Old Age
You can claim up to $200 per year per patient under Flexi-MediSave for outpatient medical treatments (aged 60 and above).
Starting Your Family
You can use MediSave for treatments to help with conceiving, pregnancy and delivery expenses.
Receiving End-of-Life Care
You can use MediSave for palliative care at a hospice or at home in the company of your loved ones.
Click here for more details on MediSave
If you would like to utilize your own or your next of kin’s MediSave, MediShield Life or Integrated Shield Plans (IP), you are required to sign the Medical Claims Authorization Form (MCAF). Giving MCAF consent allows you to perform the following at approved institutions:
- Check MediSave balance and available withdrawal limits
- Withdraw from your MediSave to pay for approved treatments
- Claim from your MediShield Life or IP to pay for approved treatments
The Ministry of Health has introduced two MCAF forms in Nov 2015 – MCAF - Multiple (M) and MCAF - Single (S).
Below are the main differences between MCAF - M and MCAF - S:
|MCAF-M (MULTIPLE)||MCAF-S (SINGLE)|
MCAF-M allows you to grant full, nationwide consent for life, unless revoked, to use your MediSave at all MediSave accredited healthcare institutions.
MCAF-M provides convenience as you simply need to sign once, for life.
MCAF-S allows you to exercise flexibility should you decide to provide limited consent to the utilisation of your MediSave funds. You can choose to limit:
- The type of schemes you would like to use
- The period you would like to authorise your Medisave form
MediShield is a low cost catastrophic illness insurance scheme. First introduced in 1990, the government designed MediShield to help members meet medical expenses from major illnesses, which could not be sufficiently covered by their MediSave balance. In November 2015, MediShield was enhanced to MediShield Life to increase the claim limit, thereby lowering out of pocket payment.
MediShield Life is sized for subsidised treatment in public hospitals. Those who choose to stay in private wards (Class A/B1) or hospitals are also covered by MediShield Life. However, as MediShield Life payouts are pegged at Class B2/C wards, the payout will make up a smaller proportion of the bill. If you plan to use Class A/B1 wards in the public hospital or go to a private hospital for your future hospitalisations, you may also wish to consider purchasing private insurance plans in the form of MediSave-approved private Integrated Shield Plans (IPs).
Similar to MediSave, to activate utilisation of MediShield and IPs, you are required to sign a Medical Claims Authorization Form (MCAF). Important points to note for MedShield Life are as follow:
- Mainly designed for B2 or C class hospital bill
- Covers all Singaporeans and Permanent Residents, even those with existing illnesses
- Premium payable by MediSave
MediFund is an endowment fund set up by the Government to help needy Singaporeans. MediFund is a safety net for patients who face financial difficulties with their remaining bills after receiving Government subsidies and drawing on other means of payments including MediShield Life, private Integrated Shield Plans (IPs), MediSave and cash.
All subsidised patients applying for MediFund will require to go through a financial assessment by our Medical Social Worker. Please approach any Tan Tock Seng Hospital Staff if you would like to apply for MediFund or any financial assistance.
Click here to TTSH Care and Counselling Department
Inpatient Means Testing
For patients staying in subsidized Ward Class B2 and C, a means-test is used to determine the amount of subsidies each person is eligible for. It is a way to share limited subsidies in a fair manner, by targeting subsidies at lower income group. While all patients can still choose their ward class, the idea is for higher income patients to co-pay more than lower income patients, if they choose to stay in subsidised wards. Inpatient Means Testing is based on your personal income or annual value of place of residence (if no income). Regardless of the ward class selected, you will receive the same quality of medical care.
|Subsidy range for B2 and C class|
|Class B2||50% - 65%|
|Class C||65% - 80%|
Please note that Inpatient Means Testing is only applicable for:
- Singaporeans or Permanent Residents (PR) staying in Ward Class B2 or C only
- Valid for one year upon consent
- Means Testing is based on:
- Average Annual Income – for economically active patients
- Properties’ Annual Value (PAV) – for economically inactive patients
National Electronic Financial Records (NEFR)
National Electronic Financial Records (NEFR) is set up by MOH which contains administrative, income information, MediSave/MediShield Life, government assistance, and healthcare utilisation information to enable effective and easy financial assessment. NEFR internally consolidates the information from MOH’s /Public Healthcare Institution’s systems and externally across other databases from government agencies, such as CPFB and IRAS.
If you agree to data sharing, please be assured that your information will be accessed for official purposes only, on a need-to-know basis by the Government and other organisations approved by the Government.
Hospital staff will have access to your basic information to enable them better to provide you with financial advice and assistance. Information that the hospital staff will have access to include:
- Your Medisave balance;
- MediShield Life coverage
- Eligible subsidies
Community Health Assist Scheme (CHAS)
The Community Health Assist Scheme (CHAS) was introduced by the Ministry of Health in 2012. The scheme enables Singapore Citizens from lower to middle income households, as well as all Pioneers and Merdeka Generation seniors, to receive subsidies for medical and dental care at participating General Practitioner (GP) and dental clinics. From November 2019, the scheme will be extended to cover all Singapore Citizens for chronic conditions.
Singaporeans who qualify for CHAS will receive an individual green, orange or blue CHAS card respectively. Orange and blue CHAS card holders will also enjoy subsidised referrals to Specialist Outpatient Clinics (SOCs) located at Public Hospitals or National Dental Centre when required.
How do I become a CHAS Cardholder?
While all Singapore Citizens will be eligible for CHAS from November 2019, the enrolment for CHAS is still on an application basis. To apply, click
here to download the CHAS Application form. From September 2019 onwards, online application for CHAS will also be made available.
Click here for more information on CHAS
Pioneer Generation Package
The Government introduced the Pioneer Generation Package to honour and thank our Pioneers for their hard work and dedication. About 450,000 Singaporeans will benefit from the Pioneer Generation Package.
Who is eligible?
Living Singapore Citizens who meet 2 criteria:
- Aged 16 and above in 1965 – this means:
- Born on or before 31 December 1949
- Aged 65 and above in 2014
- Obtained citizenship on or before 31 December 1986
If you would like to check your eligibility, you can do a self-check
Benefits of Pioneer Generation Package
- Special Subsidies for Outpatient Care (CHAS clinics, Polyclinics and SOCs)
- Annual MediSave top-ups, for life
- Pioneer Generation Subsidies for MediShield Life Premiums
- Pioneer Generation Disability Assistance Scheme
Click here for more information on Pioneer Generation
Merdeka Generation Package
Following the Pionner Generation Package, the Merdeka Generation Package was also introduced to honour and thank the Merdeka Generation for their contributions to the nation.
Who is eligible?
- Singaporeans who:
Also for Singaporeans who:
- Were born from 1 January 1950 to 31 December 1959, and
- Became a Singaporean citizen on or before 31 December 1996
- Were born on or before 31 December 1949, and
- Became a Singaporean Citizen on or before 31 December 1996, and
- Did not receive the Pioneer Generation Package
Eligible parties will be notified by April 2019.
Benefits of Merdeka Generation Package
PAssion Silver Card top-up
Additional Outpatient Care subsidies
Additional MediShield Life Premium subsidies
· Additional CareShield Life Participation incentive
Click here for more information on Merdeka Generation Package
Integrated Shield Plans (IPs)
For Singaporeans who plan to stay in ward Class B1 or higher, you may wish to consider purchasing MediSave-approved Integrated Shield Plans on top of your MediShield Life.
MediShield Life and other MediSave-approved Integrated Shield Plans (IPs) are designed to cater to your different insurance coverage needs.
IPs are made up of two components – MediShield Life and additional private insurance coverage providing additional benefits and coverage. If you have an IP, you are already covered by MediShield Life. MediShield Life is a component of your IP, there is no duplicate coverage.
The private IP insurers act as a single point of contact for IP policyholders, even though they work with CPF Board back-end on premium collection and claims disbursement for the MediShield Life component.
Click here for more information on IPs