Medisave

Medisave

Singapore introduced the Medisave scheme to help citizens and contributing Permanent Residents to pay hospitalization fees when staying in subsidized wards in Government hospitals (B2 or C class wards). For cancer patients, it may also be used to cover outpatient treatments such as chemotherapy and radiotherapy.

Inpatient Care:

Types of Inpatient CareMaximal withdrawal (per day)/ Included Max Doc Fees (per day)
Approved Hospitals$450 / $50
Approved day surgeries$300 / $30 (fixed limit per surgical table)
Approved community hospitals$250 / $30 (Max $5,000 per year)
Approved hospices$160 / $30
Approved convalescent hospitals$50 / $30
Day Rehabilitation Centres$25 per day (max $1,500 per year)

Chemotherapy:

ChemotherapyWithdrawal limits
Chemotherapy$300 per weekly treatment cycle
or
$1,200 per 21/28 day treatment cycle

Radiotherapy:

RadiotherapyWithdrawal limit
External Radiotherapy$80 per treatment
Brachytherapy with external radiotherapy$300 per treatment
Brachytherapy without external radiotherapy$360 per treatment
Stereotactic radiotherapy$2,800 per treatment
Scans related to neoplasm diagnosis and treatment$600 per YEAR
Superficial X-ray$30 per treatment

Members can also utilize Medisave savings to pay for hospitalisation expenses, day surgery and selected outpatient treatments incurred by themselves or their immediate family members including spouse, children, parents and grandparents.

Examples of hospital charges covered include inpatient ward charges, medical investigations, medicine, supplies and other services. Hence, there are occasions when patients requested to be admitted for the purpose of performing expensive investigations such as MRI scans so that they can utilize their medisave savings.

There are caps on how much this fund can be drawn on _per day_. This withdrawal limits are set such that it is generally enough to cover the charges of a patient staying in a subsidized B2/C class ward. Expenses incurred beyond this set limit may have to be paid for in cash. Hence, it is important that patients choose a ward that they can afford.

If one Medisave account does not have sufficient funds to pay for a bill, this bill can be split between 2 or more Medisave accounts. However, the total withdrawal limit is still the same for that particular bill, i.e., the upper limit for medisave payments is not multiplied by the number of contributing accounts.

Activation of the use of medisave (patient’s or dependents’ accounts) begin with signing the Medisave Authorisation Form (MAF), which is available from the hospital. Patients or their dependents will need to make known their desire to use their Medisave. Most hospitals (both public and private) have a smoth, well-oiled mechanism to facilitate the use of medisave monies. On discharge, a Withdrawals statement will be given, showing the amount removed from the Medisave account, the balance of medisave accounts and particulars of the patient whom they paid for.

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