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How much of my Medisave can I use to cover my hospital bills PDF Print E-mail

The Medisave withdrawal limits are generally sufficient to cover bills incurred in a B2/C ward of a restructured hospital. This restriction is necessary to prevent premature depletion of your Medisave, as your Medisave savings are to last through your lifetime. This is particularly important as elderly people may require more hospital stays and medical care than younger ones.

As such, for the part of the hospital bill that Medisave do not cover, you will need to pay in cash.

 

Medisave covers the following hospitalisation expenses:


- daily ward charges;
- doctors' fees;
- surgical operations, including the use of operating theatres; and
- in-patient charges for medical treatment, investigations, medicines, rehabilitative services, medical supplies, implants, and prostheses introduced during surgery.

 

The use of Medisave to pay the hospital bills is subject to the prevailing Medisave withdrawal limits which are intended to preserve members' Medisave from being depleted too fast so as to conserve it for their future hospitalisation needs.
 
For a hospitalisation claim, the patient must have stayed in the hospital for at least 8 hours (unless the patient is admitted for day surgery) or died within 8 hours of being hospitalised.
 
Medisave covers up to:
 
- either $400 per day for daily hospital charges for hospital admission before 1 May 2007 or $450 per day for daily hospital charges for admission on or after 1 May 2007. This includes a maximum of $50 for doctor's daily attendance fees; and

-
a fixed limit per table of surgical operation as follows:
 

Maximum Amount Allowed
 
 
Table A B C
1 $150 $200 $250
2 $350 $450 $600
3 $800 $1,000 $1,200
4 $1,400 $1,600 $1,800
5 $2,000 $2,200 $2,400
6 $2,800 $3,200 $3,600
7 $4,000 $4,500 $5,000

 

Footnote:
The maximum amount allowed includes surgeon, anaesthetist and facility fees.

 

The classification of operation into tables indicates the complexity of the operation.

 

The Medisave withdrawal for surgical procedures is subject to a maximum of 3 surgical procedures, involving not more than 2 anatomical systems and not more than 2 procedures within each system. Anatomical system refers to the body system.

 

For day surgery, Medisave can be used to cover up to $200 of the ward charges before 1 May 2007 or $300 per day for ward charges for admission on or after 1 May 2007, including a maximum of $30 for the doctor's daily attendance fees, as well as a fixed limit for operation ranging from $150 (Table 1A) to $5,000 (Table 7C) depending on the type of operation performed.

 

For psychiatric treatment, Medisave can be used to cover up to $150 per day for the daily hospital charges, including a maximum of $50 for the doctor's daily attendance fees subject to a maximum of $3,500 a year for admission before 1 January 2007 or $5,000 a year for admission on or after 1 January 2007.

 

For approved community hospitals, Medisave can be used to cover up to $150 per day for the daily hospital charges including a maximum of $30 for the doctor's daily attendance fees, subject to a maximum of $3,500 a year.

 

For approved convalescent hospitals, Medisave can be used to cover up to $50 per day for the daily hospital charges including a maximum of $30 for the doctor's daily attendance fees, subject to a maximum of $3,000 a year.

 

For approved day hospitals, Medisave can be used to cover up to $150 per day for the daily hospital charges including a maximum of $30 for the doctor's daily attendance fees, subject to a maximum of $3,000 a year.

For approved hospice, Medisave can be used to cover up to $160 per day for the daily hospital charges including a maximum of $30 for the doctor's daily attendance fees.

 

For Singapore Gamma Knife Centre, Medisave can be used to cover Gamma Knife treatment subject to a maximum of $7,500 per treatment and $150 for daily hospital charge before 1 December 2006 or $200 per day for daily hospital charge for admission on or after 1 December 2006 but before 1 May 2007.

 

For Radiosurgery treatment (namely Novalis radiosurgery treatment and Gamma Knife treatment) received in approved medical institutions, Medisave can be used to cover the Radiosurgery subject to a maximum of $7,500 per treatment and $300 per day for daily hospital charge for admission on or after 1 May 2007.

 

For Senior Citizens Healthcare Centres managed by Home Nursing Foundation, Medisave can be used to cover up to $20 per day for Day Care charges, subject to a maximum of $1,500 a year.

Source: CPF Website

 

 
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