{"id":83700,"date":"2025-03-14T10:05:46","date_gmt":"2025-03-14T02:05:46","guid":{"rendered":"https:\/\/www.99.co\/singapore\/insider\/?p=83700"},"modified":"2025-03-14T10:17:35","modified_gmt":"2025-03-14T02:17:35","slug":"medisave-guide-for-healthcare-expenses","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/medisave-guide-for-healthcare-expenses\/","title":{"rendered":"The essential guide to Medisave: How it can cover your healthcare expenses"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div>\n<p>Healthcare in Singapore is not cheap, but Medisave is here to lighten the load. If you&#8217;re a Singapore Citizen (SC) or Permanent Resident (PR), you&#8217;ve probably noticed a chunk of your salary going into your CPF Medisave account each month. But what exactly is Medisave, how does it work, and how can you use it effectively for your healthcare needs? This essential guide to Medisave will break it all down for you.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Table of contents<\/h2><ul><li><a href=\"#h-what-is-medisave\" data-level=\"2\">What is Medisave?<\/a><\/li><li><a href=\"#h-how-much-should-i-pay-for-cpf\" data-level=\"2\">How much should I pay for CPF?<\/a><\/li><li><a href=\"#h-how-much-of-cpf-goes-into-my-medisave-account\" data-level=\"2\">How much of CPF goes into my Medisave account?<\/a><\/li><li><a href=\"#h-how-much-balance-can-i-have-in-my-medisave-account\" data-level=\"2\">How much balance can I have in my Medisave account?<\/a><\/li><li><a href=\"#h-what-can-medisave-be-used-for\" data-level=\"2\">What can Medisave be used for?<\/a><ul><li><a href=\"#h-paying-for-hospitalisation\" data-level=\"3\">Paying for hospitalisation<\/a><\/li><li><a href=\"#h-covering-outpatient-treatments\" data-level=\"3\">Covering outpatient treatments<\/a><\/li><li><a href=\"#h-health-insurance-premiums\" data-level=\"3\">Health insurance premiums<\/a><\/li><li><a href=\"#h-long-term-and-palliative-care\" data-level=\"3\">Long-term and palliative care<\/a><\/li><li><a href=\"#h-maternity-and-delivery-costs\" data-level=\"3\">Maternity and delivery costs<\/a><\/li><li><a href=\"#h-day-surgery-and-dental-procedures\" data-level=\"3\">Day surgery and dental procedures<\/a><\/li><\/ul><\/li><li><a href=\"#h-what-happens-if-your-medisave-runs-out\" data-level=\"2\">What happens if your Medisave runs out?<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-medisave\">What is Medisave?<\/h2>\n\n\n\n<p>Medisave is a compulsory healthcare savings scheme under the <a href=\"https:\/\/www.99.co\/singapore\/glossary\/central-provident-fund-cpf\/\" target=\"_blank\" rel=\"noreferrer noopener\">Central Provident Fund<\/a> (CPF) that helps Singaporeans pay for medical expenses. A portion of your income is automatically set aside in your Medisave account, so you have funds available when you need to pay for hospitalisation, outpatient treatments, health screenings, or even insurance premiums. Unlike regular savings, Medisave funds grow over time with interest, making it a sustainable way to cover medical costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-should-i-pay-for-cpf\">How much should I pay for CPF?<\/h2>\n\n\n\n<p>The amount you contribute to CPF depends on your age and income level. Here&#8217;s the CPF contribution rate in 2025:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Age of employee<\/strong><\/td><td><strong>Employer contribution<\/strong><\/td><td><strong>Employee contribution<\/strong><\/td><td><strong>Total contribution rate<\/strong><\/td><\/tr><tr><td>Up to 55 years old<\/td><td>17%<\/td><td>20%<\/td><td>37%<\/td><\/tr><tr><td>55 to 60 years old<\/td><td>15.5% (+0.5%)<\/td><td>17% (+1%)<\/td><td>32.5%<\/td><\/tr><tr><td>60 to 65 years old<\/td><td>12% (+0.5%)<\/td><td>11.5% (+1%)<\/td><td>23.5%<\/td><\/tr><tr><td>65 to 70 years old<\/td><td>9%<\/td><td>7.5% (+1%)<\/td><td>16.5%<\/td><\/tr><tr><td>Above 70 years old<\/td><td>7.5%<\/td><td>5%<\/td><td>12.5%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">^CPF contribution rate in 2025<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-of-cpf-goes-into-my-medisave-account\">How much of CPF goes into my Medisave account? <\/h2>\n\n\n\n<p>The older you are, the higher your Medisave allocation is. The CPF allocation rate for Medisave in 2025 is as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Age of employee<\/strong><\/td><td><strong>Medisave allocation<\/strong><\/td><\/tr><tr><td>Up to 35 years old<\/td><td>0.2162 <\/td><\/tr><tr><td>35 to 45 years old<\/td><td>0.2432<\/td><\/tr><tr><td>45 to 50 years old<\/td><td>0.2702<\/td><\/tr><tr><td>50 to 55 years old<\/td><td>0.2837<\/td><\/tr><tr><td>55 to 60 years old<\/td><td>0.3230<\/td><\/tr><tr><td>60 to 65 years old<\/td><td>0.4468<\/td><\/tr><tr><td>65 to 70 years old<\/td><td>0.6363<\/td><\/tr><tr><td>Above 70 years old<\/td><td>0.84<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">^CPF allocation rate for Medisave in 2025<\/figcaption><\/figure>\n\n\n\n<p>For example, if the CPF contribution of a 57-year-old is S$100, the allocation that goes to their Medisave account is S$32.30 (S$100 x 0.323).<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1254\" height=\"755\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/iStock-2182097041.jpg\" alt=\"\" class=\"wp-image-83779\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/iStock-2182097041.jpg 1254w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/iStock-2182097041-150x90.jpg 150w\" sizes=\"(max-width: 1254px) 100vw, 1254px\" \/><figcaption class=\"wp-element-caption\">As you age, a larger portion of your CPF contributions are allocated to your Medisave Account (MA) to help cover healthcare costs, especially as you approach retirement.<\/figcaption><\/figure>\n\n\n\n<p>Additionally, those nearing retirement may consider voluntary Medisave top-ups to maintain sufficient funds for future medical needs. CPF members can benefit from  <a href=\"https:\/\/www.99.co\/singapore\/glossary\/gst-voucher-scheme\/\" target=\"_blank\" rel=\"noreferrer noopener\">GST Vouchers<\/a> \u2013 Medisave top-ups to supplement their savings.<\/p>\n\n\n\n<p><strong>Note:<\/strong> Medisave contribution differs for self-employed persons. You can use the <a href=\"https:\/\/www.cpf.gov.sg\/member\/tools-and-services\/calculators\/self-employed-medisave-contribution-calculator\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">self-employed Medisave contribution calculator<\/a> to see how much you should pay for your Medisave. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-balance-can-i-have-in-my-medisave-account\">How much balance can I have in my Medisave account?<\/h2>\n\n\n\n<p>As we mentioned before, Medisave savings earn interest. It helps your balance grow over time as you grow older. The current interest rate for Medisave in 2025 is <strong>4% per annum<\/strong>, and it is reviewed quarterly by CPF. This rate is higher than most regular bank savings accounts, making Medisave an effective long-term healthcare savings tool.<\/p>\n\n\n\n<p>However, the maximum amount you can have in your Medisave account is based on the Basic Healthcare Sum (BHS). For CPF members aged below 65 in 2025, the prevailing BHS is S$75,500 and will be adjusted yearly. Your BHS is fixed once you turn 65, hence the yearly adjustments will no longer apply. <\/p>\n\n\n\n<p>Any contribution beyond your BHS will be channelled to your CPF Special account or Retirement account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-can-medisave-be-used-for\">What can Medisave be used for?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/iStock-2182678045.jpg\" alt=\"How Medisave can cover your healthcare expenses\" class=\"wp-image-83775\"\/><figcaption class=\"wp-element-caption\">Medisave covers hospitalisation expenses up to S$550 per day for the first two days and S$400 per day thereafter.<\/figcaption><\/figure>\n\n\n\n<p>Medisave can be used to pay for your hospitalisation, day surgery, long-term healthcare needs, and many more. Please refer to the full list of&nbsp;what you can use with Medisave&nbsp;from the <a href=\"https:\/\/www.moh.gov.sg\/healthcare-schemes-subsidies\/medisave\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Ministry of Health\u2019s page<\/a>.<\/p>\n\n\n\n<p>Additionally, you can also use your Medisave fund to pay for your family&#8217;s medical expenses. They can be of any nationality, except for grandparents and siblings, who must be SCs or PRs. This allows families to share medical costs and support one another during health emergencies.<\/p>\n\n\n\n<p>Here are a few examples of how Medisave can cover your healthcare expenses:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-paying-for-hospitalisation\">Paying for hospitalisation<\/h3>\n\n\n\n<p>MediSave can be used to pay for hospital stays, including ward charges, daily treatment fees, surgery, and medications. The withdrawal limits vary depending on the type of treatment and duration of stay. For instance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>General hospitalisation expenses can be claimed up to <strong>S$550 per day<\/strong> for the first two days and<strong> S$400 per day<\/strong> thereafter.<\/li>\n\n\n\n<li>Surgical procedures have specific withdrawal limits, ranging from <strong>S$250 to S$7,550<\/strong>, depending on complexity.<\/li>\n\n\n\n<li>Psychiatric hospitalisation is covered up to <strong>S$150 per day<\/strong>, capped at <strong>S$5,000 per year<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-covering-outpatient-treatments\">Covering outpatient treatments<\/h3>\n\n\n\n<p>Outpatient medical treatments, such as chemotherapy, dialysis, and vaccinations, can be paid for using MediSave. Patients with complex chronic conditions will be able to use up to S$700 yearly, while other patients will be able to use up to S$500.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chronic Disease Management Programme (CDMP)<\/strong>: Covers conditions such as diabetes, hypertension, stroke, and asthma. Patients with two or more chronic conditions under CDMP qualify for MediSave700.<\/li>\n\n\n\n<li><strong>Cancer treatment<\/strong>: Medisave covers chemotherapy up to S$1,200 per month and radiotherapy up to S$2,800 per session, depending on the type of therapy.<\/li>\n\n\n\n<li><strong>Vaccinations<\/strong>: Medisave can be used for nationally recommended child and adult vaccinations, such as influenza and pneumococcal vaccines.<\/li>\n\n\n\n<li><strong>Scans and diagnostics<\/strong>: Includes MRI, CT scans, and mammograms, subject to withdrawal limits.<\/li>\n<\/ul>\n\n\n\n<iframe loading=\"lazy\" style=\"border: none; width: 350px !important; box-shadow: 0px 2px 12px rgb(11 17 52 \/ 15%); border-radius: 16px;\" src=\"https:\/\/www.99.co\/property-value-widget?contentSource=insider-blog&amp;contentId=medisave-guide-for-healthcare-expenses\" width=\"350\" height=\"370\" scrolling=\"no\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><\/span><\/iframe><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-health-insurance-premiums\">Health insurance premiums<\/h3>\n\n\n\n<p>Medisave funds can be used to pay for national health insurance schemes like MediShield Life, CareShield Life, and Integrated Shield Plans. This ensures that Singaporeans can maintain health insurance coverage without needing to pay large sums upfront.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>MediShield Life premiums can be fully covered by MediSave.<\/li>\n\n\n\n<li>Integrated Shield Plan (IP) premiums have withdrawal limits depending on age, ranging from $300 to $900 per year.<\/li>\n\n\n\n<li>CareShield Life and ElderShield: Long-term care insurance premiums can be paid using Medisave.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-long-term-and-palliative-care\">Long-term and palliative care<\/h3>\n\n\n\n<p>For individuals with severe disabilities or those requiring long-term care, Medisave offers support through various schemes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Medsave care<\/strong>: Allows eligible individuals with severe disabilities to withdraw up to $200 per month to manage care expenses.<\/li>\n\n\n\n<li><strong>Home palliative and day hospice care<\/strong>: There will not be any withdrawal limit if the bill is paid using the patient&#8217;s own Medisave account. However, there&#8217;s a lifetime withdrawal limit of S$2,500 if they tap on their family member\u2019s Medisave or is a paediatric patient.<\/li>\n\n\n\n<li><strong>Stay in approved IHPCS:<\/strong> Up to S$250 per day for general palliative care, and up to S$350 per day for specialised palliative care<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-maternity-and-delivery-costs\">Maternity and delivery costs<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"765\" height=\"768\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/maternity-medisave.png\" alt=\"How to use Medisave for maternity\" class=\"wp-image-83777\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/maternity-medisave.png 765w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/maternity-medisave-120x120.png 120w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/maternity-medisave-24x24.png 24w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/maternity-medisave-48x48.png 48w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/maternity-medisave-96x96.png 96w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/maternity-medisave-150x151.png 150w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/03\/maternity-medisave-300x300.png 300w\" sizes=\"(max-width: 765px) 100vw, 765px\" \/><figcaption class=\"wp-element-caption\">Source: CPF Board Singapore<\/figcaption><\/figure>\n\n\n\n<p>Expectant mothers can use Medisave to offset costs for childbirth and related medical expenses under the Medisave Maternity Package (MMP):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pre-delivery expenses<\/strong>: Up to S$900 can be used for consultations and tests.<\/li>\n\n\n\n<li><strong>Delivery costs<\/strong>: Withdrawals range from S$750 to S$3,950, depending on the type of delivery and hospital ward class.<\/li>\n\n\n\n<li><strong>Newborn care<\/strong>: Medisave can also be used for neonatal intensive care and other post-delivery medical needs.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-day-surgery-and-dental-procedures\">Day surgery and dental procedures<\/h3>\n\n\n\n<p>Certain surgical and dental procedures performed in outpatient settings are also covered under Medisave, subject to limits based on complexity. Examples include wisdom tooth removal, cataract surgery, and endoscopy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-if-your-medisave-runs-out\">What happens if your Medisave runs out?<\/h2>\n\n\n\n<p>If your Medisave funds are insufficient, you\u2019ll have to pay the remaining medical expenses out of pocket. However, you can use your family members\u2019 Medisave to cover your bills if they have sufficient savings. Government subsidies and financial assistance schemes like MediFund and CHAS can also help low-income Singaporeans manage healthcare costs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Healthcare in Singapore is not cheap, but Medisave is here to lighten the load. If you&#8217;re a Singapore Citizen (SC) or Permanent Resident (PR), you&#8217;ve probably noticed a chunk of your salary going into your CPF Medisave account each month. But what exactly is Medisave, how does it work, and how can you use it&hellip;<\/p>\n","protected":false},"author":142,"featured_media":83775,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[57565],"tags":[57343],"persona":[57126],"class_list":{"2":"type-post","10":"entry","11":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CPF Medisave: How it can cover your healthcare expenses - 99.co<\/title>\n<meta name=\"description\" content=\"What exactly is Medisave, how does it work, and how can you use it effectively for your healthcare needs? 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