Can I withdraw Medisave to pay maternity expenses?
The Medisave Maternity Package enables you to use your Medisave for the delivery and pre-delivery medical expenses of your first four living children. For the fifth and subsequent child, you and your spouse will need to have a combined Medisave balance of at least $15,000 at the time of delivery in order to use Medisave for delivery and pre-delivery medical expenses.
Click here for a complete list of hospitals participating in the Medisave scheme.
You may wish to use your own Medisave, your spouse’s or your parent’s Medisave for hospitalisation expenses. Multiple Medisave Accounts can be used to co-pay the hospital bill. However, the same Medisave withdrawal limits will still apply for each hospitalisation, regardless of the number of payer. This means that the Medisave withdrawal limits will not increase with the number of Medisave Account holders paying for the bill.
Under the Medisave Maternity Package, you can use Medisave for pre-delivery medical expenses as well as delivery and daily hospital charges. The Medisave withdrawal limit applicable to each of the Medisave Maternity Package depends on the delivery procedure (e.g. caesarean or normal delivery).
If you do not wish to use Medisave for pre-delivery expenses, you can still withdraw Medisave for the delivery procedure and daily hospital charges. Each delivery procedure has a different withdrawal limit.
Withdrawal limits for Maternity Expenses
Withdrawal limits for Maternity Expenses before 1 June 2009.
|
Type of Operation |
Medisave Limits for Delivery Procedure ($) |
Medisave Limits under the Medisave Maternity Package ($) |
|
Vaginal Delivery (Normal) |
450 |
900 |
|
Vaginal Delivery (Assisted) |
800 |
1,250 |
|
Caesarean Section (Normal) |
1,400 |
1,850 |
|
Caesarean Section (with Tubal Ligation) |
1,600 |
2,050 |
|
Caesarean Section (with Hysterectomy) |
2,400 |
2,850 |
Withdrawal limits for Maternity Expenseson or after 1 June 2009
|
Type of Operation |
Medisave Limits for Delivery Procedure ($) |
Medisave Limits under the Medisave Maternity Package ($) |
|
Vaginal Delivery (Normal) |
750 |
1,200 |
|
Vaginal Delivery (Assisted) |
1,250 |
1,700 |
|
Caesarean Section (Normal) |
2,150 |
2,600 |
|
Caesarean Section (with Tubal Ligation) |
2,600 |
3,050 |
|
Caesarean Section (with Hysterectomy) |
3,950 |
4,400 |
Example for admission before 1 June 2009:
|
Delivery Procedure |
No. of days of Hospitalisation |
Medisave Withdrawal under the Medisave Maternity Package ($) |
Medisave Withdrawals for Delivery Procedure($) |
|
Vaginal Delivery (Normal) |
3 |
Up to $2,250 Which comprises of: – $1,350 for daily hospital charges; and – $900 for Medisave Maternity Package |
Up to $1,800 Which comprises of: – $1,350 for daily hospital charges; and – $450 for Delivery Procedure |
|
Caesarean Delivery (Normal) |
4 |
Up to $3,650 Which comprises of: – $1,800 for daily hospital charges; and – $1,850 for Medisave Maternity Package |
Up to $3,200 Which comprises of: – $1,800 for daily hospital charges; and – $1,400 for Delivery Procedure |
Example for admission on or after 1 June 2009:
|
Delivery Procedure |
No. of days of Hospitalisation |
Medisave Withdrawal under the Medisave Maternity Package ($) |
Medisave Withdrawals for Delivery Procedure($) |
|
Vaginal Delivery (Normal) |
3 |
Up to $2,550 Which comprises of: – $1,350 for daily hospital charges; and – $1,200 for Medisave Maternity Package |
Up to $2,100 Which comprises of: – $1,350 for daily hospital charges; and – $750 for Delivery Procedure |
|
Caesarean Delivery (Normal) |
4 |
Up to $4,400 Which comprises of: – $1,800 for daily hospital charges; and – $2,600 for Medisave Maternity Package |
Up to $3,950 Which comprises of: – $1,800 for daily hospital charges; and – $2,150 for Delivery Procedure |
Do choose a hospital or ward that is within your budget. The Medisave withdrawal limits will generally be sufficient for you to meet charges incurred as a subsidised patient or in a C/B2 class ward of a restructured hospital. As a private class patient, you would need to co-pay with out-of-pocket cash as the bill charges are usually higher. Above are information compiled from CPF Website which may change from time to time.
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