Singapore legislation
Regulation 18
of Central Provident Fund (Medisave Account Withdrawals) Regulations 2001
Regulation 18
Medical treatment for conception
Subregulation 1
Despite anything in this Part but subject to this regulation and regulation 18B, where a female member or spouse of a male member has received medical treatment for conception as part of a treatment cycle from an approved medical practitioner as an in‑patient or out‑patient from an approved hospital or an approved clinic designated by the Minister for Health, the amount that may be withdrawn by the member to pay for such treatment must not exceed —
where the treatment cycle commenced before 1 August 2004, the lower of the following:
a sum of $4,000 per treatment cycle;
the total credit balance in the member’s medisave account;
where the treatment cycle commenced on or after 1 August 2004 and before 1 October 2013 —
for the first withdrawal for the treatment cycle received by a particular patient, the lower of the following:
a sum of $6,000;
the total credit balance in the member’s medisave account;
for the second withdrawal for the treatment cycle received by the same patient, the lower of the following:
a sum of $5,000;
the total credit balance in the member’s medisave account; or
for the third withdrawal for the treatment cycle received by the same patient, the lower of the following:
a sum of $4,000;
the total credit balance in the member’s medisave account; or
where the treatment cycle commenced on or after 1 October 2013 —
for the first withdrawal for the treatment cycle received by a particular patient, the lower of the following:
a sum of $6,000;
the total credit balance in the member’s medisave account;
for the second withdrawal for the treatment cycle received by the same patient, the lower of the following:
a sum of $5,000;
the total credit balance in the member’s medisave account; or
for the third or subsequent withdrawal for the treatment cycle received by the same patient, the lower of the following:
a sum of $4,000;
the total credit balance in the member’s medisave account.
Subregulation 2
[Deleted by S 324/2026 wef 01/06/2026]
Subregulation 3
Despite paragraph (1), where a female member or spouse of a male member has received medical treatment for conception before 1 October 2013, the Minister for Health may, on the application of the 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 in accordance with paragraph (1)(c).
Subregulation 4
Medical investigations on the cause of infertility are not considered as part of a treatment cycle for the purpose of this regulation.
Subregulation 5
Where a cycle of medical treatment for conception has been discontinued and there is a refund of charges to a member, there becomes due and payable to the medisave account of the member, on the date the refund is received by the member, the total amount withdrawn from the member’s medisave account under this regulation or the total amount of refund received, whichever is the lower.
Subregulation 6
Where a cycle of medical treatment for conception has been discontinued and the sum withdrawn from the member’s medisave account for the treatment has been repaid to the account in full, the repaid withdrawal for the discontinued cycle of medical treatment for conception is to be disregarded in determining whether a subsequent withdrawal for a treatment cycle for conception is a first, second, third or subsequent withdrawal for the purposes of paragraph (1).