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Using Your Medisave

You can use Medisave to pay your hospital bill as well as that of your immediate family, i.e. your spouse, children, parents or grandparents. If you are using your Medisave for your grandparents, they must be Singapore Citizens or Permanent Residents.

During the listing of your surgery/laser procedure, you should inform the Listing staff that you intend to use your Medisave to pay. You should also bring along your NRIC/Passport or your CPF membership card. You will also need to sign a Medisave Authorisation Form authorising the CPF Board to deduct from your Medisave Account to pay for the bill.

Medisave CAN be used for the following:
You may use your Medisave to pay for the hospital bill of non-immediate family members (i.e, brother, sister, uncle, aunty, in-laws, niece and nephew), provided that the patient: 

  • Is a Singapore Citizen or a Permanent Resident

  • Does not have a Medisave account

  • Has immediate family members who do not have enough Medisave funds and cannot afford to pay for hospital bill

  • Is a dependant of the Medisave accountholder


Medisave CANNOT be used for the following:

  • Outpatient consultation fees, tests and investigations (except for approved Chronic Disease Management)

  • Charges for medical reports

  • Ambulance fees

For more information for Medisave withdrawal limits for inpatient and day surgery, please visit the MOH webpage on Healthcare Financing.

Frequently Asked Questions on Medisave

Medishield Life
MediShield Life replaced MediShield from 1 Nov 2015, and will offer:

  • Better protection and higher payouts, so that patients pay less Medisave/cash for large hospital bills

  • Protection for all Singapore Citizens and Permanent Residents, including the very old and those who have pre-existing illnesses

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.

MediShield Life coverage is sized for subsidised treatment in public hospitals. Those who choose to stay in a Class A/B1 wards or in a private hospital are also covered by MediShield Life. However, as MediShield Life payouts are pegged at Class B2/C wards, the MediShield Life payout will make up a small proportion of the bill only. The patient may therefore need to pay more of their bill from Medisave and/or cash.

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 for Pioneers;

  • Transitional Subsidies to ease the shift to MediShield Life for Singapore Citizens; and

  • Additional Premium Support for those who are unable to afford their premiums even after premium subsidies.

MediShield Life premiums will be affordable and may be fully paid from Medisave.

Private Medical Insurance (PMI)
Private Medical Insurance is a scheme which allows CPF members to use their Medisave savings to buy Medisave-approved Integrated Shield Plans for themselves and their dependants. Dependants refer to a member's parents, spouse, children and grandparents. Premiums can be paid from your Medisave account, with a limit of S$800 per annum per person, or S$1150 for those above 80 years old.

Each insured person can only have one Medisave-approved Integrated Shield Plan paid with Medisave. Click here for the list of private insurers.

Click here for information on Medisave Withdrawal Limits.

Frequently Asked Questions on MediShield