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

Check how much MediSave you can use for hospital stays, surgery, chronic care, scans, delivery, IVF and insurance premiums, using MOH's current limits.

Interactive tool: https://lookup.sg/tools/medisave-withdrawal-limits

## 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.

## Sources
- [Ministry of Health: MediSave for inpatient care](https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/medisave/inpatient-care/)
- [Ministry of Health: MediSave for outpatient care](https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/medisave/outpatient-care/)
- [Ministry of Health: MediSave for long-term care](https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/medisave/long-term-care/)
- [Ministry of Health: About Integrated Shield Plans](https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/integrated-shield-plans/about-integrated-shield-plans/)
- [Ministry of Health: Ensuring sustainable support for seniors' healthcare needs (17 August 2026)](https://www.moh.gov.sg/newsroom/ensuring-sustainable-support-for-seniors--healthcare-needs/)
- [CPF Board: What is the Basic Healthcare Sum?](https://www.cpf.gov.sg/service/article/what-is-the-basic-healthcare-sum)

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Source: Lookup (https://lookup.sg) · Data as of October 2026 · Listings compiled from Singapore government open data (data.gov.sg), OneMap and Overture Maps places. Free listings never show contact details; contact details appear only on Lookup Verified listings.