Central Provident Fund (Medisave Account Withdrawals) (Amendment) Regulations 2026

Regulation 6(d), (e) and (f) is deemed to have come into operation on 17 December 2025.

in paragraph (1), replace the definition of “medical treatment for conception” with —“ “medical treatment for conception” means —

any assisted conception procedure such as Invitro Fertilisation (IVF) and Gamete Intra‑fallopian Transfer (GIFT) that is intended to directly lead to (or result in) conception; or

where assisted conception has resulted, any medical treatment to support the viability of the embryo prior to implantation,but excludes any medical treatment for fertility preservation;“medical treatment for fertility preservation” means —

any surgical operation that is carried out for the purpose of preserving fertility owing to possible iatrogenic infertility or iatrogenic subfertility (called fertility preservation surgery); or

any non-surgical procedure that is necessary in preparation for, or as a result of, undergoing fertility preservation surgery (called a related procedure);”;

in paragraph (1), after the definition of “neoplasm”, insert —“ “Ninth Schedule treatment” means any medical treatment specified in the Ninth Schedule;”; and

after paragraph (4), insert —“(4A) In this Part, in relation to treatment cycles commenced before 1 June 2026, “medical treatment for conception” means assisted conception procedures, including Invitro Fertilisation (IVF) and Gamete Intra‑fallopian Transfer (GIFT).”.

in sub-paragraph (ii)(B)(BB)(III), delete “or” at the end;

in sub-paragraph (iii), after “radiosurgery treatment”, insert “that started before 1 June 2026”;

in sub-paragraph (iii)(B), insert “or” at the end; and

after sub-paragraph (iii), insert —“(iv)in a case involving radiosurgery treatment that started on or after 1 June 2026, the amount that may be withdrawn under sub‑paragraph (i) or (ii), as the case may be;”.

in paragraph (1), after “21D”, insert “, 21E”;

in paragraphs (2), (3) and (8), replace “and 21D” with “, 21D and 21E”;

in paragraph (4), replace sub-paragraph (a) with —“(a)is for —

if the treatment was received before 1 June 2026 — the member himself or herself, or the member’s child aged 21 years or below; or

if the treatment is received on or after 1 June 2026 — the member himself or herself, or the member’s dependant; and”;

in paragraph (6), replace “item 9” with “item 10”;

in paragraph (7), replace “item 10 or 12” with “item 11 or 13”; and

in paragraph (8), replace “item 11 or 13” with “item 12 or 14”.

in paragraph (3), replace “and 21D” with “, 21D and 21E”; and

in paragraph (4)(a), replace sub-paragraphs (i) and (ii) with —“(i)for the patient’s earlier course of repetitive transcranial magnetic stimulation —

24 sessions, if the patient has received 24 or more sessions of repetitive transcranial magnetic stimulation in that course before 1 June 2026; or

30 sessions, in any other case;

for the patient’s subsequent course of repetitive transcranial magnetic stimulation — 30 sessions; and”.

replace the regulation heading with —“Medical treatment for conception”;

in paragraph (1), after “this regulation”, insert “and regulation 18B”; and

delete paragraph (2).

Despite anything in this Part, this regulation applies where a member (being a female member) or a member’s female dependant (called in this regulation and regulation 18B the patient) —

is undergoing, or will be undergoing, medically necessary treatment that may result in iatrogenic infertility or iatrogenic subfertility; and

receives medical treatment for fertility preservation on or after 1 June 2026 from an approved medical practitioner —

as an in‑patient or out-patient in an approved hospital or approved clinic designated by the Minister for Health; or

as day surgical treatment in an approved hospital or approved day surgery centre.

Where the medically necessary treatment mentioned in paragraph (1)(a) may result in iatrogenic infertility, the member may withdraw from the member’s medisave account —

for the payment of the fertility preservation surgery received by the patient, an amount not exceeding —

where the fertility preservation surgery is received as an in‑patient — the limits prescribed in regulation 5(1) as applicable; or

where the fertility preservation surgery is received as day surgical treatment — the limits prescribed in regulation 21(1) as applicable; and

for the payment of the related procedures received by the patient, an amount subject to the limit under regulation 18B.

Where the medically necessary treatment mentioned in paragraph (1)(a) may result in iatrogenic subfertility, the member may withdraw an amount subject to the limit under regulation 18B from the member’s medisave account for the payment of any medical treatment for fertility preservation received by the patient.

The amount that may be withdrawn under paragraph (2) or (3) must not exceed the total credit balance in the member’s medisave account.Total limit for withdrawal under regulations 18 and 18A(2)(b) and (3)18B. The total amount that may be withdrawn under regulations 18 and 18A(2)(b) and (3) (in respect of medical treatments received by the same patient before, on or after 1 June 2026) must not exceed $15,000.”.

in sub-paragraph (i), delete “or” at the end;

in sub-paragraph (ii), replace “1 April 2025; and” with “1 April 2025 but before 1 June 2026; or”; and

after sub-paragraph (ii), insert —“(iii)the relevant sum per day (as part of the hospital charges under sub‑paragraph (b)) if the treatment started on or after 1 June 2026; and”.

Paragraph (2) applies where —

a member or a member’s dependant receives any Ninth Schedule treatment on or after 1 June 2026 as an out‑patient; and

the person who receives any Ninth Schedule treatment is an insured person under the MediShield Life Scheme Act 2015 and an outpatient contribution applies in respect of that medical treatment.

Subject to paragraph (3), the member may withdraw moneys from the member’s medisave account for payment of the medical treatment received by the insured person to which the outpatient contribution mentioned in paragraph (1)(b) applies.

The total amount that may be withdrawn by a member under paragraph (2) in respect of medical treatment received by an insured person in each insurance period of the insured person’s insurance cover under the MediShield Life Scheme must not exceed the lowest of the following amounts:

$500;

the outpatient contribution applicable in respect of the medical treatment received by that insured person;

the total credit balance in the member’s medisave account.

To avoid doubt, the amount that may be withdrawn under paragraph (2) is in addition to the amount that may be withdrawn in accordance with the withdrawal limits specified in regulations 9B, 13 (read with the First or Third Schedule as applicable), 13C, 13D, 13E and 19 (as the case may be) for the relevant Ninth Schedule treatment.

In this regulation —“insurance period” has the meaning given by regulation 7(1) of the MediShield Life Scheme Regulations 2015 (G.N. No. S 622/2015);“insured person” has the meaning given by section 2(1) of the MediShield Life Scheme Act 2015;“outpatient contribution”, in respect of medical treatment received by an insured person, means so much of the amount specified in Part 5 of the Seventh Schedule to the MediShield Life Scheme Regulations 2015 as is applicable in respect of that medical treatment;“MediShield Life Scheme” means the MediShield Life Scheme mentioned in section 3 of the MediShield Life Scheme Act 2015.”.

replace item 3 with — “3.Anti‑retroviral drugs registered in Singapore for the medical treatment of human immunodeficiency virus (HIV) or acquired immunodeficiency syndrome (AIDS) With effect from 1 June 2001 but before 1 June 2026 $550 per month per patient or the total credit balance in the member’s medisave account, whichever is the lower. With effect from 1 June 2026 $850 per month per patient or the total credit balance in the member’s medisave account, whichever is the lower.”; and

after item 18, insert — “19.Radiosurgery treatment For course of treatment beginning on or after 1 June 2026 $3,750 per treatment or the total credit balance in the member’s medisave account, whichever is the lower.”.

in item 8, in the first column, replace “Bone marrow transplant” with “Autologous bone marrow transplant for the treatment of multiple myeloma”;

after item 14, insert — “14A.Medical treatment for fertility preservation Received from an approved medical practitioner as a patient of an approved hospital or approved clinic Regulation 18A”; and

after item 17, insert — “17A.Radiosurgery treatment Received from an approved medical practitioner as a patient of an approved hospital, approved centre or approved clinic Regulation 13(2), read with item 19 of the First Schedule”.