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| 1. |
What is the Medisave withdrawal limit for assisted conception procedures?
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Couples are encouraged to start their families early. However, some couples who require assistance to conceive may find Assisted Conception Procedures (ACP) treatment costly. These couples may use up to $6,000, $5,000 and $4,000 from Medisave for the first, second and third withdrawal for ACP procedures respectively.
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| 2. |
Will I be able to use Medisave for ACP treatments received overseas?
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No, Medisave can only be used for ACP treatments performed locally.
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| 3. |
I did not use Medisave for my 1st cycle of ACP. Will I be able to withdraw up to $6000 from my Medisave for my next ACP cycle as this would be the first time I am using Medisave for ACP?
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Yes, you will be able to withdraw up to $6,000 from your Medisave for your next ACP cycle, since this will be the first time that you will be using Medisave for an ACP treatment.
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| 4. |
Can I use my immediate family member's Medisave to pay for my ACP treatment?
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No, you can only use your own and / or your spouse's Medisave for ACP treatment. *
* Either spouse's Medisave account or both for payment of ACP treatment
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| 5. |
Why is the use of Medisave for ACP restricted to 3 treatment cycles?
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International and local data have shown that the success rate for IVF is likely to decline after the 3rd treatment cycle. For 4th and above treatment cycles, the success rate of ACP is likely to be very low. Therefore, if Medisave were allowed for more treatment cycles, the individual may not sufficient savings for his future hospitalization expenses especially during old age.
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| 6. |
ACP are very costly procedures. Why can't Medisave be used to cover the full cost of treatment?
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The primary purpose of Medisave is to ensure that Singaporeans have sufficient savings for their hospitalization needs especially after retirement. While we have allowed Medisave to be used for ACP, we will need to strike a balance between the use of Medisave for ACP, which is essentially an elective treatment, and the individual's future hospitalization needs.
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| 7. |
Is the use of Medisave for ACP limited to In-Vitro Fertilisation (IVF) only or does it apply for other assisted conception methods?
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Yes, Medisave can be used for other assisted conception methods other than IVF procedures.
Common assisted conception methods include In-Vitro Fertilisation (IVF), Intra-Uterine Insemination (IUI) (or Artificial Insemination) and gamete intra-fallopian tube transfer (GIFT).
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| 1. |
What is Medisave Maternity Package and its purpose?
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Medisave may be used for maternity expenses. This includes expenses incurred during delivery and pre-delivery medical expenses such as consultations, ultrasounds, tests, medications, etc. Under the Medisave Maternity Package, up to $450 may be withdrawn for pre-delivery expenses when claimed together with delivery charges. All receipts for pre-delivery expenses must be submitted with the delivery charges for claims at the hospital.
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| 2. |
Is there only one Medisave Maternity Package for everyone?
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Under the Medisave Maternity Package, you can withdraw Medisave for pre-delivery medical expenses as well as delivery expenses and daily hospital charges. Each Medisave Maternity Package has a different Medisave Withdrawal Limit, which depends on the delivery procedure (e.g. caesarean or vaginal delivery), to pay the pre-delivery medical expenses as well as the delivery expenses. You will be able to withdraw more from Medisave for more complicated delivery procedures.
If you do not wish to claim for pre-delivery expenses, you can still withdraw Medisave for the delivery procedure and daily hospital charges. Each delivery procedure has a different withdrawal limit.
The withdrawal limits are shown below:
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Type of Operation
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Medisave Limits for Delivery Procedure
($)
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Medisave Limits under the Medisave Maternity Package
($)
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Vaginal Delivery (Normal)
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750
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1200
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Vaginal Delivery (Assisted)
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1,250
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1,700
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Caesarean Section (Normal)
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2,150
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2,600
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Caesarean Section (with Tubal Ligation)
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2,600
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3,050
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Caesarean Section (with Hysterectomy)
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3,950
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4,400
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Please see the following example: Delivery Procedure | No. of days of Hospitalisation | Medisave Withdrawal Limits for Delivery Procedure only (Non-Medisave Maternity Package) | Medisave Withdrawal Limits under the Medisave Maternity Package (including pre-delivery expenses) | Vaginal delivery (normal) | 3
| Up to $ 2,100
Which comprises:
- $ 1,350 ($450 x 3 days) for daily hospital charges; and - $ 750 or Delivery Procedure | Up to $2,550
Which comprises:
- $1,350 ($450 x 3 days) for daily hospital charges;and
- $1,200 for Medisave Maternity Package | Caesarian delivery (normal) | 4 | Up to $ 3,950
Which comprises:
- $1,800 ($450 x 4 days) for daily hospital charges; and
- $2,150 for Delivery Procedure | Up to $ 4,400
Which comprises:
- $1,800 ($450 x 4 days) for daily hospital charges; and - $2,600 for Medisave Maternity Package |
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| 3. |
Is Permanent Resident (PR) eligible for Medisave Maternity Package (MMP)?
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Maternity Medisave Package (MMP) is available to those with Medisave accounts, and this includes both Singaporeans and Singapore Permanent Residents. However, please note that only couple's own Medisave can be used for the MMP.
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| 4. |
Can I claim Medisave for my pre-delivery medical expenses before i deliver?
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You may claim Medisave for your pre-delivery medical expenses only when claimed together with your delivery. You should retain the bills incurred for pre-delivery medical care and present them to the hospital where the delivery takes place. The hospital will submit these bills, together with the delivery expenses, for Medisave claims under the Medisave Maternity Package.
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| 5. |
I had my pre-delivery medical care at Hospital A but I have decided to go and have my baby at Hospital B, can I still claim for the pre-delivery medical expenses under the Medisave Maternity Package?
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Pre-delivery charges must be claimed together with the charges for the delivery of a child at Medisave approved hospitals. You may claim your pre-delivery medical bills incurred if your pre-delivery care and actual delivery are done at Medisave approved institutions.
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| 6. |
Can I claim from the Medisave Maternity Package if I am admitted to a private hospital?
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| 7. |
Is the Medisave Maternity Package applicable for higher order births?
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Yes, you can claim Medisave under the Medisave Maternity Package for the first four children. For 5th and subsequent children, the parents will need to have a combined Medisave balance of at least $15,000 at the time of delivery to be eligible.
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| 8. |
I have already paid the bill for my pre-delivery expenses. Can I still claim my pre-delivery medical expenses under the Medisave Maternity Package?
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For pre-delivery expenses incurred in Singapore, you may still make a Medisave claim for your pre-delivery expenses after you have made a payment. You are required to present your pre-delivery medical bills to your hospital's business office and request for these bills to be included in your Medisave claim under the Medisave Maternity Package.
For pre-delivery expenses incurred in one of the approved institutions for overseas Medisave claims, you can only claim for the pre-delivery expenses if you have been referred from the local Medisave accredited referral centre, such as HMI Balestier Clinic.
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| 9. |
Now that Medisave can be used for pre-delivery medical expenses, does it mean that I do not have to pay for these medical expenses?
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No, you would still have to pay for the pre-delivery medical expenses in cash. The Medisave claims for pre-delivery medical expenses can be made only after delivery has occurred. You will have to retain all the bills incurred and present them to the hospital when you are admitted for the delivery of your baby.
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| 10. |
Do I need to present the bills in order to claim for my pre-delivery medical expenses? What if I had thrown them away?
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Yes, you need to provide these bills as proof of expenses incurred for your pre-delivery medical expenses. If you no longer have these bills and wish to make a claim, you will have to obtain certified true copies of the bills from your doctor.
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| 1. |
Can I use Medisave for the delivery of my 4th or 5th child?
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You may use your spouse or your own Medisave to pay for the delivery expenses of your 4th or higher order babies. For 5th child, you and your spouse would need to have a combined total of at least $15,000 in your Medisave accounts at the time of delivery.
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| 2. |
I already have 3 children and I am expecting twins. Do I need to have a combined Medisave balance of $15,000 before I can claim?
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No, your forthcoming delivery will be considered your fourth order delivery, as claim is per delivery.
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| 3. |
My wife has 3 children from her previous marriage, and we are expecting our first child. Will her 3 children from her 1st marriage be taken into consideration in determining the order of delivery?
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Yes, the woman's number of living children at the time of the delivery is taken into consideration in determining the birth order. In this case, your wife's forthcoming delivery would be considered her 4th living child.
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| 4. |
My wife has a child from her previous marriage who was born overseas. She has 3 other children born in Singapore from her 2nd marriage to me. Can she claim Medisave for her fourth child from this 2nd marriage?
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Your wife's forthcoming delivery will be considered her 5th living child. Therefore, both of you need to have a combined Medisave balance of at least $15,000 at the time of delivery in order to be able to use Medisave for her delivery of charges.
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| 5. |
We have 4 children from our marriage. However, our 1st child was born overseas and we did not claim Medisave for the delivery expenses. Can we claim for our forthcoming delivery in Singapore?
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Your forthcoming delivery will be considered as your 5th living child. You may claim for the delivery of your 5th child if you and your spouse have a combined Medisave balance of at least $15,000 at the time of delivery
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| 6. |
Our 1st child has passed away. We have 3 living children now. Can we claim Medisave for our forthcoming delivery?
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Yes, as you have 3 living children, you may use Medisave for your forthcoming delivery, which will be considered as your fourth living child.
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| 7. |
Why is there a need to restrict the use of Medisave for the delivery expenses of the 5th and higher order child to only parents who have a minimum combined Medisave balance of $15,000?
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Medisave is primarily meant to help Singaporeans pay for their future hospitalization needs, especially in old age. We need to strike a balance between ensuring sufficient Medisave for old age and allowing the use of Medisave for maternity purposes. Hence, we have imposed a minimum balance of $15,000 before Medisave can be used, to prevent premature depletion of the parents' Medisave.
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