What medical expenses can I use my Medisave to pay for?

Medisave Usage for Healthcare Expenses

Your Medisave account, funded by 10% of your salary (or based on age-specific contribution rates), can be used for a wide range of approved medical expenses, subject to limits and balances.

Hospitalisation and Surgery

Medisave can cover the cash portion of your hospital bills after MediShield Life and Integrated Shield Plan (IP) payouts. This includes:

• Daily Ward Charges: Up to S$550 per day for the first two days of hospitalisation, and S$400 per day thereafter, after insurance claims.
• Surgery and Treatment: Approved surgery costs and treatment expenses.
• Rehabilitation: Post-hospitalisation rehabilitation expenses, once the insurance coverage window ends.

Insurance Premiums

Medisave automatically pays for your mandatory health insurance plans:

• MediShield Life: Premiums are fully payable from Medisave.
• Integrated Shield Plan (IP): Premiums for the basic plan (up to the MediShield Life coverage level) are payable from Medisave. Any rider premiums for the IP must be paid in cash.
• CareShield Life: Premiums are payable from Medisave, up to S$600 per year.

Outpatient and Chronic Care

Medisave can be used for specific outpatient treatments:

• Chronic Conditions: Up to S$500 or S$700 per year (depending on the scheme) for approved chronic conditions.
• Cancer Treatment: Approved cancer drugs and treatments, subject to limits of S$600 or S$1,200 per month.
• Screening and Procedures: Approved vaccinations, CT scans, mammograms (for women aged 50+), colonoscopies, radiotherapy, and palliative care.

Maternity and Fertility

Medisave can be used for normal pregnancy expenses, including ultrasounds, delivery charges (regardless of hospital type or delivery method), and approved IVF treatments.

Medisave Limits

Note that your Medisave balance is subject to the Basic Healthcare Sum (BHS). For 2025, the BHS is S$75,500. While contributions flow into Medisave first, any excess above the BHS will overflow to the Special Account (SA) first, and then to the Ordinary Account (OA) if the SA has reached its limit (CPF Board guidelines).