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MediSave Withdrawal Limits: Can I Use MediSave for This, and How Much?

Free · No sign-up · Updated October 2026
Check how much MediSave you can use for hospital stays, surgery, chronic care, scans, delivery, IVF and insurance premiums, using MOH's current limits.
What do you want to pay for?
days

Covers daily ward and treatment charges, after subsidies and any MediShield Life or Integrated Shield payout. Mobile Inpatient Care @ Home stays count as inpatient.

MediSave pays the bill after government subsidies and MediShield Life, up to these limits; the rest is cash (or Integrated Shield, if you have it). You can also use the MediSave of your spouse, parents, children, and grandparents or siblings who are citizens or PRs.

MediSave you can use, up to

S$3,060

For a 4-day stay.
First 2 days at S$1,130
S$2,260
Day 3 onwards at S$400
S$800

MediSave withdrawal limits at a glance

Main limits published by the Ministry of Health, October 2026. The Basic Healthcare Sum, the most you can hold in MediSave, is S$79,000 in 2026.

  • Hospital stay, first 2 daysS$1,130 a day
  • Hospital stay, day 3 onwardsPsychiatric: S$230 a dayS$400 a day
  • Day surgeryPlus the surgical limitS$830 a day
  • Surgical operations (TOSP 1A to 7C)S$240 to S$5,290
  • Community hospitalS$250 a day
  • Chronic care, vaccinations, screeningsS$700 for complex conditions; S$700 and S$1,000 from 1 January 2027S$500 a year
  • Flexi-MediSave (60 and above)S$400 a year
  • Outpatient scansS$600 a year
  • Kidney dialysisS$450 a month
  • Cancer drugs (Cancer Drug List)S$600 for most listed drugsUp to S$1,200 a month
  • DeliveryPlus the surgical limit and S$900 for pre-delivery careHospital limits
  • Assisted conception (IVF)S$6,000 for the 1st cycle, S$5,000 the 2nd, S$4,000 after; S$15,000 lifetimeS$4,000 to S$6,000
  • Inpatient hospiceS$350 for specialised careS$250 a day
  • MediSave CareUp to S$200 a month
  • Integrated Shield premiumS$300 to age 40, S$600 at 41 to 70, S$900 from 71 (age next birthday)S$300 to S$900 a year

How this works

MediSave pays what is left of a bill after government subsidies and MediShield Life, up to a withdrawal limit set by the Ministry of Health for each type of care. The checker uses MOH's published limits (inpatient, outpatient and long-term care pages, checked October 2026). Anything above the limit is paid in cash, or by an Integrated Shield Plan if you have one.

Hospital stays at acute hospitals: up to S$1,130 a day for the first two days and S$400 a day from the third day, plus a surgical limit for any operation, from S$240 (TOSP Table 1A) to S$5,290 (Table 7C). Day surgery: S$830 a day plus the surgical limit. Community hospitals: S$250 a day. Delivery uses the same hospital and surgical limits plus S$900 for pre-delivery care. Assisted conception: S$6,000, S$5,000 and S$4,000 for the first, second and later cycles, up to S$15,000 in a lifetime.

Outpatient: S$500 a year under MediSave500 for chronic conditions, approved vaccinations and screenings (S$700 for complex chronic conditions), rising to S$700 and S$1,000 from 1 January 2027. Patients 60 and above get a further S$400 a year under Flexi-MediSave. Outpatient scans: S$600 a year. Dialysis: S$450 a month. Integrated Shield premiums: S$300, S$600 or S$900 a year depending on age next birthday, on top of MediShield Life premiums, which MediSave pays in full.

The Basic Healthcare Sum for 2026 is S$79,000: the most you can hold in MediSave, not a spending limit. You can also use the MediSave of your spouse, parents and children, and of grandparents and siblings who are citizens or PRs.

FAQs

How much MediSave can I use for a hospital stay?

Up to S$1,130 a day for the first two days and S$400 a day after that, so S$3,060 for a 4-day stay, plus the surgical limit if you have an operation (for example S$1,390 for a TOSP Table 3A procedure).

What is the MediSave limit for outpatient treatment?

S$500 a year under MediSave500 for chronic conditions, vaccinations and screenings, or S$700 for complex chronic conditions. Seniors 60 and above can use another S$400 a year under Flexi-MediSave. From 1 January 2027 the chronic limits rise to S$700 and S$1,000.

Can I use MediSave for delivery?

Yes. A delivery is claimed like a hospital stay (S$1,130 a day for two days, S$400 after) plus the surgical limit for the delivery procedure, plus S$900 for pre-delivery check-ups, scans and tests.

How much MediSave can I use for IVF?

S$6,000 for the first assisted conception cycle, S$5,000 for the second and S$4,000 for the third and later cycles, up to S$15,000 per patient in a lifetime.

What is the Basic Healthcare Sum in 2026?

S$79,000. It is the maximum you can hold in your MediSave Account; contributions above it flow to your other CPF accounts. It is fixed for life once you turn 65.

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