Singapore legislation
Regulation 16
of Central Provident Fund (Medisave Account Withdrawals) Regulations 2001
Regulation 16
Pre‑delivery medical treatment
Subregulation 1
Except as provided in this regulation and regulation 4, no withdrawal is to be made for the payment of any charges incurred by a female member, or a female dependant of a member, in respect of any pre‑delivery medical treatment received by her.
Subregulation 2
Subject to paragraphs (5) and (6), where a female member, or a female dependant of a member, who has received pre‑delivery medical treatment undergoes on or after 1 August 2004 the delivery of a child or the termination of her pregnancy as an in‑patient, the total amount that may be withdrawn by the member for the payment of the pre‑delivery medical treatment and the medical treatment for the delivery of the child or the termination of the pregnancy must not exceed the aggregate of —
the lower of —
the total of all charges actually incurred in respect of the pre‑delivery medical treatment and the medical treatment for the delivery of the child or the termination of the pregnancy; or
the total of —
the amount computed in accordance with paragraph (3)(a), (b) or (c), whichever is applicable; and
the fees or part of the fees for the pre‑delivery medical treatment and the medical treatment for the delivery of the child or the termination of the pregnancy, not in excess of the amounts determined by the Minister for Health for such treatments; and
in a case involving one or more additional operations, the amount of operation fees for a maximum of 3 surgical procedures involving not more than 2 anatomical systems and not more than 2 procedures within each system, which must not exceed the lower of the following amounts:
the amount determined by the Minister for Health for such operation or operations;
if the female member or female dependant was admitted to the approved hospital —
before 1 June 2009 — $5,000;
on or after 1 June 2009 but before 1 April 2025 — $7,550; or
on or after 1 April 2025 — $5,290.
Subregulation 3
For the purposes of paragraph (2)(a)(ii)(A), the amount is —
if the female member or female dependant was admitted to the approved hospital before 1 March 2021 — the relevant sum per day multiplied by the number of days she was hospitalised;
if the female member or female dependant was admitted to the approved hospital on or after 1 March 2021 but before 1 April 2025 — the aggregate of the following:
the relevant sum per day under paragraph (4)(d)(i) for the period of hospitalisation to which that relevant sum applies;
the relevant sum per day under paragraph (4)(d)(ii) for the period of hospitalisation to which that relevant sum applies; and
if the female member or female dependant is admitted to the approved hospital on or after 1 April 2025 — the aggregate of the following:
the relevant sum per day under paragraph (4)(e)(i) for the period of hospitalisation to which that relevant sum applies;
the relevant sum per day under paragraph (4)(e)(ii) for the period of hospitalisation to which that relevant sum applies.
Subregulation 4
For the purposes of paragraph (3), the relevant sum per day is —
if the female member or female dependant was admitted to the approved hospital before 1 April 2006 — $300;
if the female member or female dependant was admitted to the approved hospital on or after 1 April 2006 but before 1 May 2007 — $400;
if the female member or female dependant was admitted to the approved hospital on or after 1 May 2007 but before 1 March 2021 — $450;
if the female member or female dependant was admitted to the approved hospital on or after 1 March 2021 but before 1 April 2025 —
for each of the first 2 days of hospitalisation during each admission — $550; and
for each of the third and subsequent days of hospitalisation during each admission — $400; and
if the female member or female dependant is admitted to the approved hospital on or after 1 April 2025 —
for each of the first 2 days of hospitalisation during each admission — $1,130; and
for each of the third and subsequent days of hospitalisation during each admission — $400.
Subregulation 5
The total amount that may be withdrawn by a member under paragraph (2) for the payment of attendance fees of all approved medical practitioners who treated the member or dependant (as the case may be) must not exceed $50 per day, if she was admitted to the approved hospital before 1 November 2018.
Subregulation 6
No withdrawal is to be made under paragraph (2) for the payment of any charges relating to pre‑delivery medical treatment received by a female member, or a female dependant of a member —
if the charges are not claimed as part of the charges for the delivery of a child or the termination of her pregnancy, as the case may be; or
if she delivers a child before 1 November 2016 and at the time of her delivery —
she has 4 or more living children; and
the total of the amounts standing to the credit of the parents of the child in their respective medisave accounts is less than $15,000,and the Minister for Health does not approve the payment of the charges.
Subregulation 7
Subject to paragraphs (9) and (10), where a female member, or a female dependant of a member, who has received pre‑delivery medical treatment undergoes on or after 1 August 2004 any day surgical treatment to terminate her pregnancy, the total amount that may be withdrawn by the member for the payment of the pre‑delivery medical treatment and the day surgical treatment must not exceed the aggregate of —
the lower of —
the total of all charges actually incurred in respect of the pre‑delivery medical treatment and the day surgical treatment; or
the total of —
the relevant sum for hospital charges for the day the female member or female dependant undergoes the day surgical treatment; and
the fees or part of the fees for the pre‑delivery medical treatment and the day surgical treatment, not in excess of the amounts determined by the Minister for Health for such treatments; and
in a case involving one or more additional operations, the amount of operation fees for a maximum of 3 surgical procedures involving not more than 2 anatomical systems and not more than 2 procedures within each system, which must not exceed the lower of the following amounts:
the amount determined by the Minister for Health for such operation or operations;
if the female member or female dependant was admitted to the approved hospital —
before 1 June 2009 — $5,000;
on or after 1 June 2009 but before 1 April 2025 — $7,550; or
on or after 1 April 2025 — $5,290.
Subregulation 8
In paragraph (7)(a)(ii)(A), the relevant sum is —
$150 if the female member or female dependant received the day surgical treatment before 1 December 2006;
$200 if the female member or female dependant received the day surgical treatment on or after 1 December 2006 but before 1 May 2007;
$300 if the female member or female dependant received the day surgical treatment on or after 1 May 2007 but before 1 April 2025; and
$830 if the female member or female dependant received the day surgical treatment on or after 1 April 2025.
Subregulation 9
The total amount that may be withdrawn by a member under paragraph (7) for the payment of attendance fees of all approved medical practitioners who treated the female member or female dependant (as the case may be) on the day she underwent the day surgical treatment must not exceed $30, if that day was before 1 November 2018.
Subregulation 10
No withdrawal is to be made under paragraph (7) for the payment of any charges relating to pre‑delivery medical treatment received by a female member, or a female dependant of a member, unless the charges are claimed as part of the charges for the termination of her pregnancy.
Subregulation 11
Despite paragraph (2), the Minister for Health may, on the application of a member, in that Minister’s discretion and subject to such terms and conditions as that Minister may impose, authorise the member to make a withdrawal under paragraph (2) in respect of the delivery of a child if —
the child was delivered before 1 August 2004; and
all other requirements for a withdrawal under paragraph (2) have been satisfied.
Subregulation 12
Despite paragraph (6)(b)(ii), the Board may, on the application of a member, in its discretion and subject to such terms and conditions as it may impose, allow the member to make a withdrawal under paragraph (2) without the approval of the Minister for Health under paragraph (6)(b)(ii) in respect of the delivery of a child if —
the total of the amounts standing to the credit of the parents of the child in their respective medisave accounts will be increased to $15,000 within such period after the date of the delivery of the child as the Board may determine; and
all other requirements for a withdrawal under paragraph (2) are satisfied.
Subregulation 13
Where a female member, or a female dependant of a member, who has received pre‑delivery medical treatment undergoes, on or after 1 August 2004 —
the delivery of a child other than as an in‑patient; or
the termination of her pregnancy other than —
as an in‑patient; or
by day surgical treatment,the total amount that may be withdrawn by the member for the payment of any charges incurred in respect of the pre‑delivery medical treatment must not exceed the applicable sum.
Subregulation 14
In paragraph (13), the applicable sum is —
if the delivery of the child or the termination of the pregnancy was before 24 March 2016 — $450; or
if the delivery of the child or the termination of the pregnancy was on or after 24 March 2016 — $900.
Subregulation 15
Nothing in this regulation authorises any member to withdraw any sum under this regulation in excess of the total credit balance in the member’s medisave account.