MediSave and Insurance

MediSave is a national medical savings scheme that helps individuals set aside part of their income to pay for their personal or approved dependents' hospitalisations, day surgeries and selected outpatient treatments. There are withdrawal limits which have been carefully set to ensure that Singaporeans have sufficient savings in their MediSave Account to pay for their basic healthcare needs.

Find out more about the MediSave withdrawal limits here.

The MediSave Maternity Package is a package that allows MediSave to be used to pay delivery expenses, as well as pre-delivery medical expenses such as consultations and ultrasound. You can also submit your non-KKH antenatal invoices here. To find more information about the MediSave Maternity Package, click here.

Check out how much MediSave can be utilised for your delivery journey here:

MediShield Life is a basic health insurance, administered by the Central Provident Fund (CPF) Board, which helps to pay for large hospital bills and selected costly outpatient treatments, such as dialysis and chemotherapy for cancer. It has affordable premiums that may be fully paid using MediSave.

To find out more about the coverage of MediShield Life for pre-existing illnesses, click here.

The Government will also provide significant support to keep premiums affordable, including those who need to pay Additional Premiums:

• Premium Subsidies for the lower- to middle-income
• Pioneer Generation Subsidies 
• Merdeka Generation Subsidies; and
• Additional Premium Support for those who are unable to afford their premiums even after premium subsidies.

Private Medical Insurance (PMI) is a scheme which allows CPF members to use their MediSave savings to buy MediSave-approved Integrated Shield Plans for themselves and their dependents. Dependents refer to a member's parents, spouse, children, grandparents, and siblings.

Each insured person can only have one MediSave-approved Integrated Shield Plan paid with MediSave.

The Ministry of Health has introduced two Medical Claims Authorisation Forms (MCAF).

1. MCAF (Single)
   MCAF(S) allows you to decide and provide limited consent on the utilisation of your MediSave for (outpatient treatment). MCAF(S) is only applicable for one admission (for Inpatient treatment e.g. pediatric patient).You can choose to limit the type of schemes and/or the period which you would like to authorise for MediSave to be used. Complete the MCAF(S) form and submit it here. It is recommended to download Adobe Acrobat here to view and fill the form.
   


2. MCAF (Multiple)
   MCAF(M) allows you to grant full consent to use your MediSave at all MediSave accredited healthcare institutions. MCAF(M) provides ease as you simply need to sign once, for life, unless revoked.
   
   For consent to be submitted via HealthHub:
   
   1. The applicant granting consent has to be aged 21 and above.
   2. For person below 21 years old, the Parent and/or Legal Guardian will have to make an application on behalf of him/her directly at the participating Publice Healthcare Institutions. Please refer to www.moh.gov.sg/mcaf for a list of participating institutions.
   
   To submit your MCAF(M) authorisation electronically via HealthHub, click here.

FINANCIAL CONSENTS

These consents enable the Ministry of Health (MOH) and Public Healthcare Institutions to facilitate the provision and delivery of government subsidies/assistance, MediSave and MediShield Life coverage when you receive healthcare services. Your authorisation will remain valid until revoked.

Steps on how to fill up the MCAF(S) form:

Steps on how to fill up the MCAF(M) form: