What Can MediSave Pay For? Outpatient Care, CDMP & Flexi-MediSave Guide (2026)

Singapore’s MediSave covers more outpatient costs than most people realise — if you know where to look.

MediSave can pay for outpatient treatment at approved clinics — but only for specific chronic conditions under the CDMP, or for seniors aged 60 and above through Flexi-MediSave. The withdrawal limit ranges from $400 to $700 per year depending on your scheme, and you’ll need to pay a 15% cash co-payment unless you’re enrolled at a Healthier SG clinic, where the co-payment is waived. This guide covers exactly what qualifies, how much you can claim, and how to use MediSave at your next visit.

Not financial or medical advice. All figures are for educational reference only. Data sourced from CPF Board and MOH Singapore, last updated September 2026.

In This Guide

What Is MediSave Outpatient Care?

MediSave is part of Singapore’s CPF system — you contribute a slice of your monthly salary into it throughout your working life. While most people know MediSave covers hospitalisation and surgery, it also covers outpatient treatment for certain conditions.

Outpatient means treatment you receive at a clinic without being admitted to hospital. A regular GP visit for a cold, for instance, does not qualify. But a visit to manage your diabetes? That does — under the right scheme.

There are two main schemes that allow MediSave to pay for outpatient care in Singapore:

• Chronic Disease Management Programme (CDMP) — for patients with one of 23 approved chronic conditions, regardless of age
• Flexi-MediSave — for Singapore citizens and PRs aged 60 and above, for any outpatient treatment at approved facilities

Outside these two schemes, MediSave cannot be used for outpatient visits. You’d pay fully out of pocket (or via CHAS subsidies if you qualify).

If you’re thinking about your broader healthcare coverage — including what your Integrated Shield Plan covers — it’s worth also reviewing your CPF investment strategy to make sure your MediSave balance stays adequately funded for the long term.

CDMP: 23 Conditions & How Much You Can Claim

The Chronic Disease Management Programme (CDMP) lets you use MediSave for outpatient visits to manage one of 23 approved chronic conditions. It was designed to help Singaporeans with long-term conditions afford regular treatment — so they don’t skip their GP or specialist visits because of cost.

The 23 CDMP Conditions

As at September 2026, the conditions covered under CDMP are:

Source: Ministry of Health Singapore (moh.gov.sg), September 2026. Always verify current conditions list at moh.gov.sg.

How Much Can You Claim?

There are two tiers under CDMP, depending on how complex your condition is:

Source: CPF Board (cpf.gov.sg), June 2026.

The $500/$700 limit covers your total outpatient bill per year — consultation fees, medication, lab tests, and other charges at the clinic. Your doctor’s practice management system handles the MediSave deduction automatically when you pay.

The 15% Cash Co-payment Rule

Under CDMP, you’re required to pay at least 15% of your outpatient bill in cash. You cannot use MediSave to cover the entire bill.

However, if you’re enrolled at a Healthier SG clinic, this 15% co-payment is waived as of 1 February 2024. That means you could potentially pay $0 out of pocket for your CDMP outpatient visits — your MediSave covers everything up to the annual limit.

Healthier SG enrolment is free. You choose a regular GP clinic and commit to managing your health there. Most CHAS and polyclinics participate.

Flexi-MediSave for Seniors (Age 60+)

Flexi-MediSave is a scheme specifically for Singapore citizens and PRs aged 60 and above. Unlike CDMP, you don’t need to have a specific chronic condition — Flexi-MediSave can be used for any eligible outpatient visit at approved facilities.

The annual limit is $400 per patient. If you’re 60 or older, you can use this $400 at:

• Polyclinics (any polyclinic in Singapore)
• Public Specialist Outpatient Clinics (SOCs) at restructured hospitals
• CHAS GP clinics (general practitioners enrolled in CHAS)

You can combine Flexi-MediSave with CDMP — if you’re 60+ and have a CDMP condition, you can use both the CDMP limit AND your $400 Flexi-MediSave in the same year.

For example, a 65-year-old with diabetes could potentially claim up to $500 (MediSave500) for CDMP visits plus $400 for other outpatient visits under Flexi-MediSave — $900 in total MediSave outpatient coverage per year.

Planning ahead for retirement healthcare costs? Use our Singapore retirement calculator to estimate how much you’ll need in your MediSave account over the long term.

CT/MRI Scans, Dialysis & Other Procedures

Beyond CDMP and Flexi-MediSave, there are separate MediSave outpatient claims for specific high-cost procedures. These have their own limits and are not counted against your CDMP or Flexi-MediSave annual cap.

Source: CPF Board (cpf.gov.sg), June 2026. Limits are subject to change — always verify at cpf.gov.sg before claiming.

These limits are separate from and in addition to your CDMP and Flexi-MediSave annual caps. A dialysis patient with diabetes, for instance, can claim CDMP (up to $500/$700) for their GP visits AND up to $450/month for dialysis treatment.

How to Use MediSave at Your Clinic

The good news: you don’t need to do much paperwork. MediSave outpatient claims are handled directly by the clinic. Here’s what actually happens at your visit.

Step 1: Visit an Approved Clinic

For CDMP, you need to visit a CDMP-approved GP, polyclinic, or specialist outpatient clinic. Most CHAS GPs and all polyclinics are approved. Check the MOH CDMP clinic finder to confirm your clinic is registered.

Step 2: Present Your NRIC

Tell the receptionist you’d like to use MediSave for your chronic condition. They’ll access your MediSave account using your NRIC or SingPass. No separate forms needed.

Step 3: Doctor Codes Your Visit

Your doctor submits a MediSave claim code matching your CDMP condition. This tells CPF Board which chronic condition your visit is for and triggers the correct annual limit ($500 or $700).

Step 4: Pay Your Share

If you’re not enrolled at a Healthier SG clinic, you pay 15% of the bill in cash. MediSave covers the remaining 85% (up to the annual limit). If you are enrolled at Healthier SG, your cash co-payment is waived — you pay $0 out of pocket for eligible visits.

Step 5: Track Your Balance via CPF App

You can check your MediSave balance and outpatient claim history on the CPF digital services portal or the CPF mobile app. Your annual $500/$700/$400 cap resets on 1 January each year.

For those managing CPF more broadly — including OA and SA balances — our guide to CPF investment strategy is a useful starting point. And if you’re planning for retirement, our Singapore retirement calculator can help you estimate how much you’ll need.

Frequently Asked Questions