What is the Medisave withdrawal limit for assisted conception procedures?
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
Why is the use of Medisave for ACP restricted to 3 treatment cycles?
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.
ACP are very costly procedures. Why can't Medisave be used to cover the full cost of treatment?
Is the use of Medisave for ACP limited to In-Vitro Fertilisation (IVF) only or does it apply for other assisted conception methods?
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).
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:
Type of Operation
Medisave Limits for Delivery Procedure
Medisave Limits under the Medisave Maternity Package
Vaginal Delivery (Normal)
Vaginal Delivery (Assisted)
Caesarean Section (Normal)
Caesarean Section (with Tubal Ligation)
Caesarean Section (with Hysterectomy)
No. of days of Hospitalisation
Medisave Withdrawal Limits
(Non-Medisave Maternity Package)
Medisave Withdrawal Limits under the Medisave Maternity Package (including pre-delivery expenses)
Up to $ 2,100Which comprises:- $ 1,350 ($450 x 3 days) for daily hospital charges; and- $ 750 or Delivery Procedure
Up to $ 2,100Which comprises:- $ 1,350 ($450 x 3 days) for daily
hospital charges; and
- $ 750 or Delivery Procedure
Up to $2,550Which comprises: - $1,350 ($450 x 3 days) for daily hospital charges;and- $1,200 for Medisave MaternityPackage
Up to $2,550Which comprises: - $1,350 ($450 x 3 days) for daily
hospital charges;and- $1,200 for
Up to $ 3,950Which comprises:- $1,800 ($450 x 4 days) for daily hospital charges; and- $2,150 for Delivery Procedure
Up to $ 4,400Which comprises: - $1,800 ($450 x 4 days) for daily hospital charges; and- $2,600 forMedisave Maternity Package
Up to $ 4,400Which comprises: - $1,800 ($450 x 4 days) for daily
- $2,600 for
Medisave Maternity Package
Is Permanent Resident (PR) eligible for Medisave Maternity Package (MMP)?
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.
Can I claim Medisave for my pre-delivery medical expenses before i deliver?
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?
Can I use Medisave for the delivery of my 4th or 5th child?
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.
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?
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.