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How to use Medisave for maternity expenses |
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Medisave can be used to pay the
delivery and pre-delivery medical expenses incurred for the delivery of
the first four living children of the mother on or after 1 August 2004.
Prior to 1 August 2004, Medisave can only be used to pay the delivery
expenses incurred for delivery of the first three living children.
Medisave can also be used to pay the delivery and pre-delivery expenses
incurred for the delivery of the fifth and subsequent child of the mother
on or after 1 August 2004, if both parents have a combined Medisave balance
of at least $15,000 in their Medisave
accounts at the time of delivery.
The patient can use her own, spouse and/or immediate family members’
Medisave to pay the delivery and pre-delivery expenses. Immediate family
members include patient’s parents and children.
The pre-delivery expenses have to be claimed under the Medisave Maternity
Package. However, post-natal consultation fees cannot be claimed under
Medisave. |
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The Medisave Maternity Package
is a package that allows Medisave to be used to pay expenses incurred
during delivery and pre-delivery medical expenses such as consultations,
ultrasounds, tests, medications etc. Prior to 1 August 2004, Medisave
cannot be used for pre-delivery expenses.
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Under the Medisave Maternity Package,
you can withdraw Medisave for pre-delivery medical expenses as well as
delivery expenses and daily hospital charges. Each Medisave Maternity
Package has a different Medisave Withdrawal Limit, which depends on the
delivery procedure (e.g. caesarean or vaginal delivery), to pay the pre-delivery
medical expenses as well as the delivery expenses.
If you do not wish to claim for pre-delivery expenses, you can still withdraw
Medisave for the delivery procedure and daily hospital charges. Each delivery
procedure has a different withdrawal limit.
The withdrawal limits are shown below: |
| Type of Operation |
Medisave Limits
for Delivery Procedure
($) |
Medisave Limits
under the Medisave Maternity Package
($) |
| Vaginal Delivery (Normal) |
450 |
900 |
| Vaginal Delivery (Assisted) |
800 |
1,250 |
| Caesarean Section (Normal) |
1,400 |
1,850 |
| Caesarean Section (with Tubal Ligation) |
1,600 |
2,050 |
| Caesarean Section (with Hysterectomy) |
2,400 |
2,850 |
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| Example for admission before 1 May 2007: |
| Delivery Procedure |
No. of days of Hospitalisation |
Medisave Withdrawal
under the Medisave Maternity Package
($) |
Medisave Withdrawals
for Delivery Procedure
($) |
| Vaginal Delivery (Normal) |
3 |
Up to $2,100
Which comprises of:
- $1,200 for daily hospital charges; and
- $900 for Medisave Maternity Package |
Up to $1,650
Which comprises of:
- $1,200 for daily hospital charges; and
- $450 for Delivery Procedure |
| Caesarean Delivery (Normal) |
4 |
Up to $3,450
Which comprises of:
- $1,600 for daily hospital charges; and
- $1,850 for Medisave Maternity Package |
Up to $3,000
Which comprises of:
- $1,600 for daily hospital charges; and
- $1,400 for Delivery Procedure |
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| Example for admission on or after 1 May 2007: |
| Delivery Procedure |
No. of days of Hospitalisation |
Medisave Withdrawal
under the Medisave Maternity Package
($) |
Medisave Withdrawals
for Delivery Procedure
($) |
| Vaginal Delivery (Normal) |
3 |
Up to $2,250
Which comprises of:
- $1,350 for daily hospital charges; and
- $900 for Medisave Maternity Package |
Up to $1,800
Which comprises of:
- $1,350 for daily hospital charges; and
- $450 for Delivery Procedure |
| Caesarean Delivery (Normal) |
4 |
Up to $3,650
Which comprises of:
- $1,800 for daily hospital charges; and
- $1,850 for Medisave Maternity Package |
Up to $3,200
Which comprises of:
- $1,800 for daily hospital charges; and
- $1,400 for Delivery Procedure |
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You will have to present the bills
incurred for the pre-delivery medical care to the hospital where your
newborn is delivered. The hospital will submit these bills, together with
the bill for the delivery expenses, for a Medisave claim under the Medisave
Maternity Package.
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