Medisave Approved Treatments: What You Can Claim in Singapore (2026)
Your complete 2026 guide to Medisave-eligible treatments, annual limits, and how to use your CPF savings smartly.📋 Table of Contents
- What Is Medisave and How Much Can You Hold?
- Medisave for Hospitalisation
- Medisave for Day Surgery
- Medisave for Outpatient Chronic Disease Treatment (CDMP)
- Medisave for Mental Health Treatment
- Cancer Drugs and Renal Dialysis
- Outpatient Scans and Other Treatments
- Medisave for ISP Premiums
- Long-Term Care: Flexi-MediSave and MediSave Care
- Full Summary Table of Medisave Limits (2026)
- Frequently Asked Questions
Medisave is the CPF account that helps you pay for healthcare in Singapore. In 2026, you can use Medisave for hospitalisation, day surgery, outpatient chronic disease management, cancer drug treatments, mental health therapy, renal dialysis, outpatient scans, long-term care, and Integrated Shield Plan (ISP) premiums. Withdrawal limits range from $200/month for home care to $1,130/day for hospital stays. The Basic Healthcare Sum (BHS) — the maximum you can hold in Medisave — is $79,000 in 2026.
Not financial or medical advice. All figures are for educational reference only. Data verified as at September 2026. Always check with CPF Board or your healthcare provider for the latest limits.
- You can use Medisave for 10+ treatment types — from hospital stays to mental health, cancer drugs, and ISP premiums.
- The 2026 BHS is $79,000 — the max you can hold in your Medisave Account.
- CDMP outpatient limits are $500 (standard) or $700 (complex) per year — rising to $700/$1,000 from January 2027.
What Is Medisave and How Much Can You Hold?
Medisave is one of your three CPF accounts — alongside your Ordinary Account (OA) and Special Account (SA). Every working Singaporean contributes a portion of their monthly salary into Medisave. That money can only be used for approved healthcare expenses.
In 2026, the Basic Healthcare Sum (BHS) is $79,000. This is the maximum you can hold in your Medisave Account. If your balance exceeds the BHS, the excess flows into your OA or SA instead.
For members who turn 65 in 2026, their BHS is fixed at $79,000 for life. Younger members will see their BHS adjusted upward each year to keep pace with rising healthcare costs.
Medisave earns interest at 4% per annum — higher than the OA’s 2.5%. So it grows steadily over your working life, even if you don’t draw on it often. Read our full CPF Medisave account guide to understand contribution rates by age.
Medisave for Hospitalisation
Hospitalisation is the most common use of Medisave. You can use it for inpatient stays at public and private hospitals — covering ward charges, daily treatment fees, investigations, and medicines.
| Hospital Stay Duration | Medisave Limit (2026) |
|---|---|
| Day 1 and Day 2 | $1,130 per day |
| Day 3 onwards | $400 per day |
Source: CPF Board Medisave Withdrawal Limits, April 2025
These limits apply to combined daily charges — ward, investigations, medication, and treatment fees. If your bill exceeds the Medisave limit, you pay the rest in cash, or draw from your ISP if you have one. The limits also apply when you use Medisave for family members’ hospitalisation — you can pool from your immediate family’s Medisave accounts.
For a full breakdown of how hospitalisation bills are split between Medisave, MediShield Life, and your ISP, see our guide on Medisave hospitalisation coverage 2026.
Medisave for Day Surgery
Day surgery — where you go in and out the same day — is also Medisave-claimable. You’ll pay for two things: ward charges and the operation fee itself.
The 2026 limits are:
- Ward charges: up to $830 per day
- Operation fee: $240 to $5,290, depending on procedure complexity (each procedure has its own scheduled limit)
Common day surgeries covered include cataract removal, colonoscopy, wisdom tooth extraction under GA, and minor orthopaedic procedures. Surgeon fees and anaesthetist fees have their own separate limits under the surgical fee schedule.
You can pool Medisave from your own and your immediate family members’ accounts to cover day surgery bills. For the full surgical schedule and how to file a claim, see our Medisave day surgery Singapore guide.
Medisave for Outpatient Chronic Disease Treatment (CDMP)
You don’t need to be hospitalised to use Medisave. Under the Chronic Disease Management Programme (CDMP), you can use Medisave for outpatient treatment of 20+ chronic conditions at accredited clinics.
The annual Medisave limits for 2026 are:
| Patient Profile | 2026 Annual Limit | From Jan 2027 |
|---|---|---|
| Standard (non-complex) chronic conditions | $500/year | $700/year |
| Complex chronic conditions | $700/year | $1,000/year |
Source: CPF Board, MOH Singapore (2026). Higher limits announced in Budget 2026, effective 1 January 2027.
Eligible CDMP conditions include diabetes, hypertension, hyperlipidaemia, asthma, COPD, stroke, osteoarthritis, and selected mental health conditions. Your clinic must be MOH-accredited under CDMP to accept Medisave for outpatient treatment. For the complete guide, visit our Medisave outpatient care guide.
Medisave for Mental Health Treatment
Mental health is now covered under CDMP. If you’re being treated for one of these conditions at an accredited clinic, you can use Medisave for outpatient therapy:
- Schizophrenia
- Major Depressive Disorder
- Bipolar Disorder
- Generalised Anxiety Disorder (GAD)
The limit is the same as standard CDMP — $500 to $700 per year. Over 270 private clinics are accredited by MOH to accept Medisave for mental health treatment. MOH is expanding this list progressively.
From 2026, mental health therapy and counselling at public hospitals (including the Institute of Mental Health and polyclinic-affiliated mental health services) is also Medisave-claimable.
Covers schizophrenia, major depression, bipolar disorder, GAD at MOH-accredited clinics
If you see a private psychiatrist or psychologist not on the CDMP accredited list, Medisave cannot be used for those sessions. The clinic must be MOH-registered under CDMP.
Cancer Drugs and Renal Dialysis
Cancer Drug Treatments
For outpatient cancer treatment, you can use Medisave for drugs on the Cancer Drug List (CDL) — MOH’s list of evidence-based cancer medications.
The 2026 monthly Medisave limits are:
- $600/month for standard CDL drugs
- $1,200/month for designated higher-cost CDL drugs
You can also draw from immediate family members’ Medisave accounts to help cover costs. For a full breakdown of what’s on the CDL and how claims work, read our Medisave cancer treatment guide for Singapore.
Renal Dialysis
If you have kidney failure and need regular dialysis, Medisave covers up to $450 per month. Both haemodialysis and peritoneal dialysis are eligible at approved dialysis centres. This monthly limit can be drawn from multiple family members’ accounts if needed — reducing the out-of-pocket burden of what is often a lifelong treatment.
Outpatient Scans and Other Approved Treatments
From 1 January 2026, the Medisave limit for outpatient scans doubled from $300 to $600 per year. If you need regular monitoring scans — MRIs, CT scans, ultrasounds ordered by a doctor — this change helps reduce your out-of-pocket cost.
The scans must be ordered by a doctor and performed at an MOH-approved imaging centre. The $600 annual limit covers the scan itself, not interpretation fees or follow-up consultations.
Other notable Medisave-approved uses include:
- Vaccinations: Recommended adult vaccines including influenza, pneumococcal, and HPV are Medisave-claimable at approved clinics.
- Health screenings: Screen for Life programme screenings at polyclinics and CHAS GPs are Medisave-eligible.
- Maternity: Pre-natal check-ups, delivery charges, and certain post-natal care are covered. See our Medisave hospitalisation guide for maternity-specific limits and what’s claimable.
Medisave for Integrated Shield Plan Premiums
One of the most practical uses of Medisave is paying your Integrated Shield Plan (ISP) premiums. ISPs are private health insurance plans sitting on top of MediShield Life, giving you coverage for Class A or B1 wards and private hospitals.
The Medisave annual limits for ISP premiums in 2026 are:
- $800 per year for policyholders aged 80 and below
- $1,150 per year for policyholders aged 81 and above
This limit covers only the base ISP premium — not the rider. Since April 2021, ISP rider premiums must be paid fully in cash. Medisave cannot fund rider costs.
For Singaporeans in their 20s and 30s, the $800 Medisave limit typically covers most or all of your base ISP premium. But as you age, premiums rise sharply, and Medisave covers a shrinking portion. See our ISP premium by age 2026 guide to plan ahead, and our 2026 Medisave claim limits and ISP rider changes article for the full policy context.
Source: CPF Board (Medisave withdrawal limits), MOH Singapore (2026). ISP premium figures are indicative estimates; actual premiums vary by insurer and plan type.
Long-Term Care: Flexi-MediSave and MediSave Care
Flexi-MediSave (age 65 and above)
Once you turn 65, you can use Flexi-MediSave. This allows you to withdraw up to $400 per year for approved outpatient treatments not covered under other Medisave schemes — such as GP visits for minor conditions and other qualifying outpatient expenses.
The limit increased from $300 to $400 per year from 1 October 2025, giving seniors more flexibility to tap their Medisave for day-to-day healthcare — not just major hospitalisation events.
MediSave Care (severe disability)
If you’re aged 30 or above and have a severe disability (unable to perform at least 3 of 6 Activities of Daily Living, or ADLs), you qualify for MediSave Care.
This allows you to withdraw up to $200 per month from your own and/or your spouse’s Medisave for approved home care, daycare, or residential care services.
Can be combined with CareShield Life payouts to fund community and home care costs
MediSave Care is separate from your CareShield Life payouts and can be used alongside them, helping reduce the financial burden of long-term care in Singapore.
Full Summary Table: Medisave Withdrawal Limits (2026)
Here’s your at-a-glance reference for all major Medisave withdrawal limits in 2026.
| Treatment Category | Medisave Limit (2026) |
|---|---|
| Hospitalisation (Day 1–2) | $1,130 per day |
| Hospitalisation (Day 3+) | $400 per day |
| Day Surgery (ward) | $830 per day |
| Day Surgery (operation fee) | $240–$5,290 (by procedure) |
| CDMP Outpatient (standard) | $500/year (→$700 from Jan 2027) |
| CDMP Outpatient (complex) | $700/year (→$1,000 from Jan 2027) |
| Cancer Drug Treatment (CDL standard) | $600 per month |
| Cancer Drug Treatment (CDL higher-cost) | $1,200 per month |
| Renal Dialysis | $450 per month |
| Outpatient Scans (from 1 Jan 2026) | $600 per year |
| ISP Premiums (age ≤80) | $800 per year |
| ISP Premiums (age 81+) | $1,150 per year |
| Flexi-MediSave (age 65+) | $400 per year |
| MediSave Care (severe disability) | $200 per month |
Source: CPF Board (Medisave Withdrawal Limits, April 2025 update); MOH Singapore (Budget 2026 announcements). Data verified as at September 2026.
Frequently Asked Questions
What is the maximum amount I can hold in my Medisave account in 2026?
Can I use Medisave for outpatient GP visits?
Can I use Medisave to pay for my ISP rider premium?
Can I use my Medisave for a family member's medical bills?
Has the outpatient scan Medisave limit changed in 2026?
When will the CDMP outpatient limits increase?
What is Flexi-MediSave and who qualifies?
More Medisave and ISP Guides
- Medisave hospitalisation coverage: full claim guide (2026)
- Medisave for day surgery Singapore: surgical schedule and claims
- Medisave for cancer treatment: what’s covered in Singapore 2026
- Integrated Shield Plan premiums by age in Singapore (2026)
- 2026 Medisave hospitalisation claim limits and ISP rider changes
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This article was researched with the help of AI. While we strive to keep all information accurate and up to date, there may be errors. If you notice any discrepancies, please contact us.
