MediSave, MediShield Life and Integrated Shield Plan

MediSave

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.

Using MediSave to pay for family member’s medical bills:

You can use your MediSave account to pay for hospital bills incurred by yourself, your spouse, children, parents, grandparents or siblings. To use MediSave for your grandparents or siblings however, they must be Singapore Citizens or Permanent Residents.

MediSave Maternity Package (MMP)

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:

To find more information about the MediSave Maternity Package, click here.

MediShield Life

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.

MediShield Life Coverage

MediShield Life coverage is sized for subsidized treatment in public hospitals and pegged at Class B2/C wards. It covers:

Day surgery
Inpatient daily ward and treatment charges
Surgical procedures
Implants
Other outpatient treatments (e.g., chemotherapy and radiotherapy for cancer)

Patients who choose to stay in a Class A/B1 ward or in a private hospital are also covered by MediShield Life, but the payout covers a small portion of the bill, and therefore they need to pay more from their MediSave and/or cash for the balance.

Subsidised Premiums

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.

Integrated Shield Plan

Integrated Shield Plan 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.

Medical Claim Authorisation Forms

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

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.

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

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 Public Healthcare Institutions. Please refer to www.moh.gov.sg/mcaf for a list of participating institutions.
To give consent to submit your MCAF(M), you can give the authorisation electronically via HealthHub by clicking 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.