Central Provident Fund (Medisave Account Withdrawals) Regulations 2001

In this Part —

In this Part, unless the context otherwise requires, a reference to any medical treatment, psychiatric treatment, approved rehabilitation treatment, home palliative care or approved screening includes a reference to any medical treatment, psychiatric treatment, approved rehabilitation treatment, home palliative care or approved screening (as the case may be) received, or to be received, as part of an approved treatment package.

In this Part, unless the context otherwise requires, a reference to a person receiving any medical treatment, psychiatric treatment, approved rehabilitation treatment, home palliative care or approved screening on or after a certain date includes a reference to that person receiving any medical treatment, psychiatric treatment, approved rehabilitation treatment, home palliative care or approved screening (as the case may be) on or after that date as part of an approved treatment package under which the first medical treatment, psychiatric treatment, approved rehabilitation treatment, home palliative care or approved screening (as the case may be) was received before that date.

In this Part, in relation to admissions before 1 October 2022, “radiosurgery treatment” means the gamma knife treatment or the Novalis shaped beam treatment of neurosurgical or neurological disorders.

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).

For the purposes of this Part, unless the context otherwise requires —

Subject to the Act and this Part, where a member or the member’s dependant has received, or will receive as part of an approved treatment package —

Where a member or the member’s dependant has received, or will receive as part of an approved treatment package, any treatment on or after 1 June 2007 in any centre, clinic, hospital or other premises that is not an approved medical institution, the Minister for Health may, on the application of the member and subject to such terms and conditions as the Minister for Health thinks fit to impose —

Where a member has received, or will receive as part of an approved treatment package, any treatment in any of the situations specified in paragraph (4), the Board may, on an application by a prescribed person, authorise the whole or part of the amount standing to the member’s credit in the member’s medisave account to be withdrawn and used for the payment of the treatment received, or to be received as part of an approved treatment package, by the member, subject to such terms and conditions as the Board may impose.

The situations mentioned in paragraph (3) are as follows:

An application for the withdrawal of moneys from a member’s medisave account under paragraph (1), (2) or (3) must —

An application by a member to withdraw moneys from the member’s medisave account to pay for —

A prescribed person may make an application under paragraph (6) on behalf of the member, in respect of any specified out‑patient treatment or any treatment, scan, vaccination or screening, or approved out‑patient parenteral nutrition, mentioned in regulation 21C(1) received by the member, if the member —

The Board may authorise the whole or part of the amount standing to the member’s credit in the member’s medisave account to be withdrawn and used for the payment mentioned in paragraph (6) —

Every application for the withdrawal of moneys from a member’s medisave account under this Part must be made in such form, and supported by such information and documents, as the Board may require.

In this regulation, except in the cases mentioned in paragraph (11), “relevant date” means —

In this regulation, “relevant date”, in relation to the following cases, means —

For the purposes of this regulation and regulations 4, 9A, 13, 23, 24, 25 and 25A, unless the context otherwise requires, “medical treatment” includes home palliative care.

For the purposes of this regulation and regulations 4, 13, 23, 25 and 25A, unless the context otherwise requires, “medical treatment” includes approved screening.

For the purposes of this regulation and regulations 4, 13(1), 23, 25 and 25A, unless the context otherwise requires, “medical treatment” includes an out‑patient scan.

For the purposes of this regulation and regulations 4, 13, 23, 25 and 25A, unless the context otherwise requires, “medical treatment” includes approved out‑patient parenteral nutrition.

For the purposes of this regulation and regulations 4, 9AA, 22, 23, 24, 25 and 25A, unless the context otherwise requires, “medical treatment” includes in‑patient palliative care.

For the purposes of this regulation and regulations 4, 23, 25 and 25A, unless the context otherwise requires, “medical treatment” includes MIC@Home treatment and qualifying combined treatment.

For the purposes of this regulation and regulations 4, 5, 6, 7, 8, 9, 9AA, 9A, 13, 21, 23, 24, 25 and 25A, unless the context otherwise requires, “medical treatment” includes repetitive transcranial magnetic stimulation.

For the purposes of this regulation and regulations 4, 13, 23, 24, 25 and 25A, unless the context otherwise requires, “medical treatment” includes CTGTP treatment and high‑cost drug treatment.

Where moneys are withdrawn from one or more medisave accounts under regulation 3 for the payment of any medical treatment or psychiatric treatment (including any specified out‑patient treatment), or approved rehabilitation treatment, the total amount withdrawn for the payment of the treatment is subject to the limits prescribed in regulation 5, 6, 7, 8, 9, 9AA, 9A, 9B, 10, 11, 12, 12A, 13, 13A, 13B, 13C, 13D, 13E, 14, 14A, 14B, 14C, 15, 16, 18, 18A, 18B, 19, 20, 21, 21D or 21E, as applicable.

Subject to paragraph (1), where the withdrawal is made from the medisave accounts of —

Despite paragraph (1), where moneys are withdrawn from a deceased member’s medisave account under regulation 3 for the payment of his or her last medical bill, the limits prescribed in regulations 5, 6, 7, 8, 9, 9AA, 12A, 13B, 13C, 13D, 13E, 16 and 20 do not apply.

Despite the limits on the withdrawal of moneys from medisave accounts prescribed in this Part, the Minister for Health, or such person as the Minister for Health may appoint, may, in a particular case, approve the withdrawal of the whole or part of either or both of the following amounts:

To avoid doubt, in relation to the payment of a deceased member’s last medical bill, any further limits on the withdrawal of moneys from the deceased member’s medisave account that may be specified by the member before the member’s death are to be disregarded.

Despite the limits on the withdrawal of moneys from medisave accounts prescribed in this Part, the Minister for Health, or such person as the Minister for Health may appoint, may, in a particular case, approve the withdrawal of the whole or part of the amount standing to the member’s credit in the member’s medisave account, in excess of the prescribed limits for the payment of the charges incurred in respect of any medical treatment or psychiatric treatment (including any specified out‑patient treatment), or approved rehabilitation treatment, received by —

Any approval granted under paragraph (4) or (6) by the Minister for Health, or such person as the Minister for Health may appoint, is subject to such terms and conditions as the Minister for Health or person so appointed may impose.

Subject to paragraph (3) and regulation 4, where a member or the member’s dependant has received medical treatment as an in‑patient from an approved medical practitioner in an approved hospital, the amount that may be withdrawn by the member for payment of the treatment must not exceed —

(BA)the relevant sum per day under paragraph (2)(d)(i) for the period of hospitalisation to which that relevant sum applies;

(BB)the relevant sum per day under paragraph (2)(d)(ii) for the period of hospitalisation to which that relevant sum applies; and

(CA)the relevant sum per day under paragraph (2)(e)(i) for the period of hospitalisation to which that relevant sum applies;

(CB)the relevant sum per day under paragraph (2)(e)(ii) for the period of hospitalisation to which that relevant sum applies;

(AA)the amount computed in accordance with sub‑paragraph (i)(A), (B) or (C), whichever is applicable;

(AB)the actual total hospital charges; and

(BA)the amount as determined by the Minister for Health for such operation or operations;

(BB)if the member or the member’s dependant was admitted to the approved hospital —

For the purposes of paragraph (1)(a), the relevant sum per day is —

The total amount that may be withdrawn by a member for the payment of attendance fees of all approved medical practitioners under this regulation must not exceed $50 for each day the member or the member’s dependant is hospitalised, if the member or the member’s dependant was admitted to the approved hospital before 1 November 2018.

Any withdrawal by a member under this regulation is subject to such terms and conditions as the Minister for Health may impose.

Subject to regulation 4, where a member or the member’s dependant has received medical treatment as an in‑patient from an approved medical practitioner in an approved community hospital, the amount that may be withdrawn by the member for payment of the treatment must not exceed —

(AA)the applicable sum as follows, multiplied by the number of days the member or the member’s dependant was hospitalised:

(AB)the actual total hospital charges; and

(BA)the amount as determined by the Minister for Health for such operation or operations;

(BB)if the member or the member’s dependant was admitted to the approved community hospital —

Paragraph (1) does not apply to any form of medical treatment unless it has been approved by the Minister for Health for the purposes of this Part.

Despite paragraph (1), no withdrawal of any amount in excess of $30 for each day a member or the member’s dependant is hospitalised is permitted under this regulation for the payment of any attendance fee of any approved medical practitioner or practitioners, if the member or the member’s dependant was admitted to the approved community hospital before 1 November 2018.

Subject to regulation 4, where a member or the member’s dependant has received medical treatment (other than any approved vaccination) as an in‑patient from an approved medical practitioner in an approved day hospital, the amount that may be withdrawn by the member for —

Paragraph (1) does not apply to any form of medical treatment unless it has been approved by the Minister for Health for the purposes of this Part.

Subject to regulation 4, where a member or the member’s dependant has received medical treatment (other than any approved vaccination) as an in‑patient from an approved medical practitioner in an approved convalescent hospital, the amount that may be withdrawn by the member for —

Paragraph (1) does not apply to any form of medical treatment unless it has been approved by the Minister for Health for the purposes of this Part.

Subject to regulation 4, where a member or the member’s dependant who is suffering from terminal illness has received medical treatment (other than any approved vaccination) as an in‑patient from an approved medical practitioner in an approved in‑patient hospice, the amount that may be withdrawn by the member for —

Paragraph (1) does not apply to any form of medical treatment unless it has been approved by the Minister for Health for the purposes of this Part.

Where a member or the member’s dependant is admitted to an approved IPC provider for approved general palliative care or approved specialised palliative care on or after 1 April 2020, the member may withdraw moneys from the member’s medisave account for the payment of medical treatment (other than any approved vaccination) received by the member or the member’s dependant (as the case may be) in the approved IPC provider.

Subject to regulation 4, the total amount that a member may withdraw under paragraph (1) —

Paragraphs (1) and (2) do not apply to any form of medical treatment that has not been approved by the Minister for Health for the purposes of this Part.

Subject to regulation 4, a member may withdraw moneys from the member’s medisave account for the payment of one or more of the following received by the member, or the member’s dependant, who suffers from any terminal illness:

Subject to paragraph (3), the total amount that a member may withdraw under paragraph (1) —

The limit on withdrawal mentioned in paragraph (2)(a) does not apply if the medical treatment concerned —

Any withdrawal by a member under this regulation is subject to such terms and conditions as the Minister for Health may impose.

A member may withdraw moneys from the member’s medisave account for the payment of approved out‑patient parenteral nutrition received by the member, or the member’s dependant, on or after 1 November 2018.

Subject to regulations 4, 21D and 21E, the total amount that a member may withdraw under paragraph (1) —

In this Part, the date a member or a member’s dependant receives any approved out‑patient parenteral nutrition is the date the approved hospital provides the approved out‑patient parenteral nutrition to the member or dependant (whether or not the approved out‑patient parenteral nutrition is administered to the member or dependant on the date of such provision).

Where a member or the member’s dependant has received, on or after 1 October 2002 but before 1 November 2009, any vaccination against Hepatitis B as an in‑patient from an approved medical practitioner of an approved hospital or of an approved community hospital, the amount that may be withdrawn by the member for the payment of the vaccination must not exceed —

Any amount permitted to be withdrawn from a member’s medisave account under paragraph (1) is in addition to whatever amount that may be withdrawn under regulation 5, 6 or 16 unless the amount that may be withdrawn under that regulation is the total credit balance in the member’s medisave account.

A member may withdraw moneys from the member’s medisave account for the payment of qualifying combined treatment received by the member or the member’s dependant.

Subject to regulation 4, the total amount that a member may withdraw under paragraph (1) for payment of each episode of qualifying combined treatment received must not exceed the lowest of the following amounts:

For the purposes of paragraph (2)(a), the aggregate amount is —

This regulation does not apply if the episode of qualifying combined treatment includes any approved MIC@Home treatment that started before 1 April 2024, even if that episode of qualifying combined treatment continues on or after that date.

For the purposes of this regulation, the start and end of an episode of qualifying combined treatment is determined by the approved MIC@Home treatment provider based on the advice of an approved medical practitioner of that approved MIC@Home treatment provider.

To avoid doubt, regulations 5 and 13 do not apply to qualifying combined treatment.

Except as provided in this regulation and regulations 9A, 9B, 13A, 13C, 13D, 13E, 14, 14A, 14B and 19, and subject to regulations 21C, 21D, 21E and 24, no withdrawal is permitted under this Part for the payment of any charges incurred in respect of any medical treatment afforded to a member or the member’s dependant as an out‑patient.

Subject to paragraphs (6) and (7) and regulations 21C, 21D and 21E, where a member or the member’s dependant has received any First Schedule treatment as an out‑patient from an approved medical practitioner in an approved hospital, approved centre or approved clinic, the amount that may be withdrawn by the member for the payment of such treatment must not exceed such sum as is specified in the third column of the First Schedule in relation to that First Schedule treatment.

Subject to regulations 21C, 21D and 21E, where a member or a member’s dependant receives any Third Schedule treatment as an out‑patient from an approved medical practitioner in an approved Third Schedule treatment provider, the amount that may be withdrawn by the member for the payment of such treatment must not exceed the sum specified in the third column of the Third Schedule in relation to that Third Schedule treatment.

No withdrawal is permitted under this Part for the payment of any charges in respect of any anti‑retroviral drug or any drug for the purposes of treating opportunistic infection registered in Singapore for the medical treatment of human immunodeficiency virus (HIV) or acquired immunodeficiency syndrome (AIDS), except where such treatment —

Where a member or the member’s dependant has received, on or after 1 October 2002 but before 1 November 2009, any vaccination against Hepatitis B from an approved medical practitioner as an out‑patient in an approved clinic or at an approved community hospital, the amount that may be withdrawn by the member for the payment of the total charges in respect of the vaccination must not exceed the withdrawal limits specified in regulation 11(1) or the total credit balance in the member’s medisave account, whichever is the lower.

Subject to regulations 21C and 21D, where a member or a member’s dependant has undergone, on or after 1 April 2008 but before 1 September 2022, any cancer scan or diagnostic test, ordered by an approved medical practitioner, as an out‑patient in an approved medical institution, the amount that may be withdrawn by the member for the payment of such cancer scan or diagnostic test must not exceed the sum specified in the third column of the First Schedule in relation to item 10 of that Schedule.

Subject to regulations 21C and 21D, where a member or a member’s dependant has undergone, on or after 1 September 2022 but before 1 December 2023 —

Subject to regulations 21C, 21D and 21E, where a member or a member’s dependant has undergone, on or after 1 December 2023 —

Despite any restrictions on the withdrawal of moneys from medisave accounts for the payment of charges incurred in respect of any treatment afforded to a member or the member’s dependant as an out‑patient prescribed in this Part, the Minister for Health, or such person as the Minister for Health may appoint, may, in a particular case, approve the withdrawal of the whole or part of the amount standing to the member’s credit in the member’s medisave account for the payment of the whole or part of the charges incurred in respect of any treatment, except any treatment referred to in regulation 12 and in the Second Schedule, received on an out‑patient basis at any approved medical institution by —

Any approval granted under paragraph (9) may be subject to such terms and conditions as the Minister for Health, or such person as the Minister for Health may appoint, may impose.

Subject to regulations 21C and 21D, where, on or after 1 January 2015, a member or the member’s dependant has undergone any out-patient scan approved by the Minister for Health for the purposes of this regulation, the amount that may be withdrawn by the member for the payment for the scan must not exceed —

Any withdrawal by a member under this regulation is subject to such terms and conditions as the Minister for Health may impose.

A member may withdraw moneys from the member’s medisave account for the payment of MIC@Home treatment (except any MIC@Home treatment received as part of qualifying combined treatment) received by the member or the member’s dependant, on or after 1 April 2024.

Subject to regulation 4, the total amount that a member may withdraw under paragraph (1) for payment of each episode of MIC@Home treatment received must not exceed the lowest of the following amounts:

For the purposes of paragraph (2)(a), the aggregate amount is —

This regulation does not apply if the episode of MIC@Home treatment started before 1 April 2024, even if that MIC@Home treatment continues on or after that date.

For the purposes of this regulation, the start and end of an episode of MIC@Home treatment is determined by the approved MIC@Home treatment provider based on the advice of an approved medical practitioner of that approved MIC@Home treatment provider.

To avoid doubt, regulation 13 does not apply to MIC@Home treatment.

Subject to paragraphs (2) and (3), a member may withdraw moneys from the member’s medisave account for the payment of each course of repetitive transcranial magnetic stimulation that starts on or after 1 October 2025, received by the member or the member’s dependant as an out‑patient in an approved clinic or approved hospital.

Paragraph (1) —

Subject to regulations 4, 21B, 21C, 21D and 21E, the amount the member may withdraw under paragraph (1) for payment of each course of repetitive transcranial magnetic stimulation received by each patient must not exceed the lowest of the following amounts:

In paragraph (3)(a), the specified amount is computed in accordance with the formula A × B, where —

For the purposes of this regulation, the start and end of a course of repetitive transcranial magnetic stimulation is determined by the approved clinic or approved hospital based on the advice of an approved medical practitioner.