MEDISAVE
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:
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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.
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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.
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Staying Healthy
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.
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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
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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.
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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.
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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).
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Starting Your Family
You can use MediSave for treatments to help with conceiving, pregnancy and delivery expenses.
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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.
For more details on what MediSave can be used for, click
here.
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. Click here for the MCAF – M form | 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 for
Click here for the MCAF – S form |
MEDISHIELD LIFE
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
Click here for more MediShield Life information
MEDIFUND
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.