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Ministry of Health
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  2. Managing expenses
  3. Schemes and subsidies
  4. MediSave

MediSave

Learn more about MediSave and what it can be used for.

Last updated 30 October 2024

On this page

What is MediSave?
What can MediSave be used for?
Who is eligible?
How do I use it?

What is MediSave?

MediSave is a national medical savings scheme that helps individuals set aside part of their income to pay for their personal or approved dependants’ hospitalisation, day surgery and certain outpatient expenses, as well as their healthcare needs in old age.

MediSave withdrawal limits have been carefully set to ensure that Singaporeans have sufficient savings in their MediSave Account for their basic healthcare needs in old age. The withdrawal limits are generally adequate to cover most charges incurred at subsidised inpatient wards and outpatient treatments.

What can MediSave be used for?

1. Premium payments

To pay for insurance premiums for MediShield Life, Integrated Shield Plans and ElderShield or CareShield Life.

MediSave can be used to pay for an individual’s own health insurance premiums, or those of their approved dependants. MediShield Life, ElderShield and CareShield Life premiums can be covered fully by MediSave.

MediSave may also be used to pay for Integrated Shield Plan (IPs) and ElderShield Supplement premiums, up to approved withdrawal limits for these. Find out more about the Additional Withdrawal Limits for IPs and the withdrawal limit for ElderShield Supplements on the page for MediShield Life.

2. Inpatient care

MediSave can be used to pay for an individual’s own/approved dependants’ hospitalisation expenses in Singapore.

Read more about inpatient care.

3. Outpatient care

The MediSave500 and MediSave700 schemes provide financial support for outpatient care, covering treatments for chronic conditions, vaccinations, and health screenings.

Read more about outpatient care.

4. Long term care

Long-term care support includes coverage for hospice palliative care, day rehabilitation, and home-based services. MediSave Care offers monthly withdrawals for the severely disabled, and MediSave500/700 and Flexi-MediSave can be used for home medical and nursing care.

Read more about how MediSave can help with long term care.

Who is eligible?

Besides paying for your own medical expenses, some schemes also allow you to use your MediSave for your approved dependants' medical expenses.

Approved dependants refer to any of the following:

  • Spouse

  • Parent

  • Grandparent

  • Sibling

  • Child

They can be of any nationality, except for grandparents and siblings, who must be Singapore Citizens or Permanent Residents.

How do I use it?

Medical staff need your consent and authorisation to advise you on the funding and payment options available to you, and assist you to claim from your MediSave, MediShield Life, and other Integrated Shield Plans.

1. Download the Medical Claims Authorisation Form (MCAF)

MCAF(S): If you are visiting a non-public healthcare institution, or prefer to provide authorisation at each visit.

MCAF(M): If you would like to perform a one-time authorisation for your current and future treatments at all participating institutions*. You may alternatively submit your MCAF(M) authorisation electronically via HealthHub.

*It is not compulsory to use the MCAF(M) form. You may submit a separate MCAF(S) form at each medical institution at which you are receiving treatment. However, the MCAF(M) form is available for the convenience of submitting just one form for all treatments across all participating institutions. Do note that if you are using your MediSave account for a family member, you must use MCAF(S).

2. Complete the form

Complete the form to withdraw funds from your MediSave account for approved treatment for you and your immediate family members, and/or to make a claim from your MediShield Life/Integrated Shield Plan.

Guide on how to complete the MCAF (For inpatient treatments) [PDF, 823KB]

Guide on how to complete the MCAF (For outpatient treatments) [PDF, 996KB]

3. Submit the form

Submit the form to the MediSave-accredited medical institution where you are receiving treatment.

MediSave-accredited institutions include:

  • Public hospitals

  • Private hospitals

  • Polyclinics

  • MediSave-accredited General Practitioner (GP) and

  • MediSave-accredited dental clinics

Download and view the up-to-date list of participating institutions [PDF, 236 KB].

For more questions, check out our FAQs at AskMOH.