CPF MediSave Approved Schemes Singapore
CPF MediSave can be used for hospitalisation, approved outpatient treatments, MediShield Life premiums, CareShield Life, and Flexi-MediSave for seniors — here is a complete guide.
For informational purposes only — not financial advice.
What Are CPF MediSave Approved Schemes?
MediSave Approved Schemes are the specific healthcare services and insurance plans for which CPF MediSave Account (MA) savings can be used. The MA earns 4–6% p.a. and is ring-fenced for healthcare purposes only. Main approved categories: (1) hospitalisation and surgery; (2) CDMP outpatient treatments; (3) MediShield Life and Integrated Shield Plan premiums; (4) CareShield Life/ElderShield premiums; (5) Flexi-MediSave for seniors 60+.
Hospitalisation: MediSave Limits
Daily withdrawal limits: Class C/B2 wards up to S$450/day; Class B1 up to S$600/day; Class A/private up to S$700/day (+ procedure-specific surgical limit). Major surgeries (bypass, organ transplant) have higher ceilings per the Schedule of Operations. MediSave also covers approved day surgery and psychiatric treatment.
Approved Outpatient Treatments
- CDMP: 23 chronic conditions (diabetes, hypertension, asthma, COPD, mental health) — up to S$500/year (S$700 with co-payer) at approved GPs/specialists
- Vaccinations: National Childhood and Adult Immunisation Schedule vaccines
- Maternity: Pre-delivery medical expenses and delivery at approved hospitals
- TCM: Limited withdrawals at approved Traditional Chinese Medicine practitioners
Health Insurance Premiums
MediSave pays: MediShield Life premiums (auto-deducted); Integrated Shield Plan basic premiums (rider premiums must be paid in cash); CareShield Life premiums (up to S$600/year, MediSave-claimable). See CPF MediSave for the full account overview.
Flexi-MediSave for Seniors
Members aged 60+ can use up to S$200/year per person for outpatient visits at polyclinics and Medifund-approved institutions — covering consultations, investigations, and medications not under CDMP. Use our CPF MediSave Top-Up Calculator and see MediSave Limit Singapore 2026.
Frequently Asked Questions
What can I use CPF MediSave for?
MediSave covers hospitalisation and surgery at approved hospitals, CDMP outpatient visits for 23 chronic conditions, MediShield Life and Integrated Shield Plan basic premiums, CareShield Life premiums, approved vaccinations, maternity expenses, and Flexi-MediSave for seniors 60+.
Can I use MediSave for private hospital stays?
Yes, with a daily limit of up to S$700 plus a procedure-specific surgical limit. The claimable amount depends on ward class and procedures performed.
What is the CDMP?
The Chronic Disease Management Programme allows MediSave use for outpatient management of 23 approved chronic conditions including diabetes, hypertension, and asthma — up to S$500/year per person at approved clinics.
Can MediSave be used for dental treatment?
Generally no for routine dental. However, dental surgery requiring hospitalisation under general anaesthesia may qualify under hospitalisation benefits.
Can I top up a family member MediSave?
Yes. Top up spouse, children, parents, or grandparents’ MediSave up to their Basic Healthcare Sum (S$71,500 in 2026). Cash top-ups to own MediSave qualify for up to S$8,000/year in tax relief.
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