Singapore legislation

Regulation 2

of Central Provident Fund (Medisave Account Withdrawals) Regulations 2001

Regulation 2

Definitions for this Part

Amended byS 324/2026 wef 01/06/2026S 324/2026 wef 01/06/2026S 324/2026 wef 01/06/2026S 324/2026 wef 01/06/2026

Subregulation 1

Amended byS 324/2026 wef 01/06/2026S 324/2026 wef 01/06/2026S 324/2026 wef 01/06/2026

In this Part —

Definition

“allied health professional” has the meaning given by section 2 of the Allied Health Professions Act 2011;

Definition

“approved allied health professional” means any allied health professional who is approved by the Minister for Health for the purposes of this Part;

Definition

“approved cancer drug” means any active ingredient (or combination of active ingredients) in the dosage form and strength listed in the CDL and administered for the corresponding clinical indication listed in the CDL;

Definition

“approved centre” means any centre in a hospital or clinic approved by the Minister for Health for renal dialysis treatment;

Definition

“approved chronic illness treatment” means any medical treatment or psychiatric treatment in respect of any chronic illness which is approved by the Minister for Health for the purposes of this Part;

Definition

“approved CIT medical institution” means any centre, clinic, hospital or other premises which offers medical treatment or psychiatric treatment and which the Minister for Health has approved for the purposes of approved chronic illness treatments under this Part;

Definition

“approved clinic” means any medical clinic approved by the Minister for Health for the purposes of this Part;

Definition

“approved community hospital” means any premises which, in the opinion of the Minister for Health, provide an intermediate level of care for out‑patients and in‑patients who have simple ailments which do not require specialist medical and nursing care and are approved by that Minister for the purposes of this Part;

Definition

“approved convalescent hospital” means any premises which provide in‑patient medical care for the recovery or rehabilitation of patients and are approved by the Minister for Health for the purposes of this Part;

Definition

“approved day hospice” means any premises (other than a home) which are used for out‑patient medical treatment and care of terminally ill patients and are approved by the Minister for Health for the purposes of this Part;

Definition

“approved day hospital” means any premises which provide day rehabilitative assessment and treatment of patients and are approved by the Minister for Health for the purposes of this Part;

Definition

“approved day rehabilitation centre” means any centre operating at or within a location other than an approved hospital, which provides approved rehabilitation treatment and is approved by the Minister for Health for the purposes of this Part;

Definition

“approved day surgery centre” means any centre which provides day surgical treatment to a member or the member’s dependant and is approved by the Minister for Health for the purposes of this Part;

Definition

“approved high‑cost drug”, in relation to a clinical indication specified in the first column of the Eighth Schedule, means any active ingredient (or combination of active ingredients) specified in the HCDL and administered in the dosage form and strength specified in the HCDL for that clinical indication;

Definition

“approved home palliative care provider” means any person who provides home palliative care and is approved by the Minister for Health for the purposes of this Part;

Definition

“approved hospital” means any hospital approved by the Minister for Health for the purposes of this Part;

Definition

“approved in‑patient hospice” means any premises which are used for in‑patient medical treatment and care of terminally ill patients and are approved by the Minister for Health for the purposes of this Part;

Definition

“approved in‑patient palliative care service provider” or “approved IPC provider” means any premises that provide in‑patient palliative care and are approved by the Minister for Health for the purposes of this Part;

Definition

“Approved Indications for PBT” means Approved Indications for Use of Proton Beam Therapy in Treatment published on the website of the Ministry of Health at https://www.moh.gov.sg;

Definition

“approved medical institution” means any of the following:

(a)

approved centre;

(b)

approved CIT medical institution;

(c)

approved clinic;

(d)

approved screening centre;

(e)

approved community hospital;

(f)

approved convalescent hospital;

(g)

approved day hospice;

(h)

approved day hospital;

(i)

approved day rehabilitation centre;

(j)

approved day surgery centre;

(k)

approved hospital;

(l)

approved in‑patient hospice;

(m)

approved IPC provider;

(n)

approved Third Schedule treatment provider;

(o)

School Health Service;

(p)

Singapore Gamma Knife Centre;

Definition

“approved medical practitioner” means any medical practitioner who is approved by the Minister for Health or such other person as the Minister for Health may appoint for the purposes of this Part;

Definition

“approved MIC@Home treatment provider” means any approved hospital designated by the Minister for Health for the purposes of the MIC@Home programme;

Definition

“approved out‑patient parenteral nutrition” means any parenteral nutrition that is provided by an approved hospital to an out‑patient, and is approved by the Minister for Health for the purposes of this Part;

Definition

“approved rehabilitation treatment” means any of the following types of rehabilitation treatments provided by an approved day rehabilitation centre to an out‑patient:

(a)

physiotherapy;

(b)

occupational therapy;

(c)

speech therapy;

(d)

any other type of rehabilitation treatment that is approved by the Minister for Health for the purposes of this Part;

Definition

“approved remote consultation”, in relation to any Sixth Schedule treatment, means the Sixth Schedule treatment, including any consultation for that Sixth Schedule treatment, received by remote provision approved under section 11B of the Healthcare Services Act 2020 as a service delivery mode for that Sixth Schedule treatment;

Definition

“approved renal dialysis premises” means any premises that the Minister for Health approves for the type of renal dialysis treatment received;

Definition

“approved screening” means any health screening which is approved by the Minister for Health for the purposes of this Part;

Definition

“approved screening centre” means any premises or conveyance specified in a licence granted or deemed to be granted under the Healthcare Services Act 2020 for the provision of any of the following licensable healthcare services, in respect of which there is a valid approval by the Minister for Health for the purposes of this Part, whether approved before, on or after 3 January 2022:

(a)

a clinical laboratory service;

(b)

a radiological service;

Definition

“approved Third Schedule treatment provider” means any hospital or medical clinic that provides any Third Schedule treatment and is approved by the Minister for Health for the purposes of this Part;

Definition

“approved treatment package” means a course of one or more of the following which lasts not more than one year, which is approved by the Minister for Health for the purposes of this Part, and which complies with such terms and conditions as the Minister for Health may impose:

(a)

medical treatments;

(b)

psychiatric treatments;

(c)

approved rehabilitation treatments;

(d)

home palliative care;

(e)

approved screenings;

Definition

“approved vaccination” means any vaccination (including any vaccination against Hepatitis B or pneumococcal disease) which is approved by the Minister for Health for the purposes of this Part;

Definition

“cancer drug” means any drug, including any approved cancer drug, used for the treatment of neoplasms;

Definition

“cancer drug treatment” means —

(a)

the administration of any cancer drug for the treatment of neoplasms; or

(b)

any other medical treatment or services ancillary to the administration of any cancer drug for the treatment of neoplasms;

Definition

“cancer scan or diagnostic test” means any scan or diagnostic test (which may include magnetic resonance imaging (MRI), computerised tomography (CT) scans, positron emission tomography (PET) scans, ultrasound imaging, x‑rays, mammograms and blood tests) performed —

(a)

for the purpose of investigating any known neoplasms in a patient; or

(b)

in relation to any treatment of neoplasms received by a patient;

Definition

“CDL” means the Cancer Drug List published on the website of the Ministry of Health at https://www.moh.gov.sg;

Definition

“chemotherapy”, in relation to the treatment of neoplasms, means the administration of tested and approved chemotherapeutic agents by the usual and known routes;

Definition

“co‑payment amount”, in relation to a member or the member’s dependant, means the amount which the member or the member’s dependant (as the case may be) is responsible for paying in respect of any approved chronic illness treatment or approved treatment package, as specified in regulation 14(1)(a);

Definition

“co‑payment percentage”, in relation to a member or the member’s dependant, means the percentage of the charge for any approved chronic illness treatment or approved treatment package which the member or the member’s dependant (as the case may be) is responsible for paying, as specified in regulation 14(1)(a) and (b);

Definition

“CTGTP” means any health product (within the meaning of the Health Products Act 2007) categorised as a cell, tissue or gene therapy product in the First Schedule to the Health Products Act 2007;

Definition

“CTGTP treatment” means the administration of a CTGTP for a clinical indication, as specified in the Seventh Schedule;

Definition

“day surgical treatment” means any surgical treatment received by a person who is admitted and discharged on the same day;

Definition

“dependant”, in relation to a member, means any of the following:

(a)

the member’s spouse;

(b)

the member’s child;

(c)

the member’s parent;

(d)

the member’s grandparent who is a citizen or permanent resident of Singapore;

(e)

the member’s sibling who is a citizen or permanent resident of Singapore;

Definition

“First Schedule treatment” means any medical treatment specified in the First Schedule;

Definition

“HCDL” means the High‑Cost Drug List published on the website of the Ministry of Health at https://www.moh.gov.sg;

Definition

“high‑cost drug treatment” means the administration of any approved high‑cost drug for a clinical indication as specified in the first column of the Eighth Schedule;

Definition

“home”, in relation to a person, means any premises (other than an approved medical institution) in which the person is residing;

Definition

“home palliative care” means any palliative care for a terminally ill patient provided at the home of the patient;

Definition

“home ventilation and respiratory support programme” means a programme administered by Tan Tock Seng Hospital Pte Ltd that provides ventilation or respiratory support equipment for use by a patient at the patient’s home, and any ancillary medical care or service relating to the use of the equipment;

Definition

“in‑patient” means a patient who —

(a)

is hospitalised, for any treatment other than day surgical treatment, for a period of at least 8 hours; or

(b)

has died within 8 hours after being hospitalised for any treatment other than day surgical treatment;

Definition

“last medical bill”, in relation to a member who has died on or after 1 July 2006 in an approved medical institution before the member’s discharge from the approved medical institution, means the bill for charges incurred in respect of the medical or psychiatric treatments which the member received in the approved medical institution;

Definition

“life support home care” means the provision of —

(a)

any of the following medical equipment for use by a patient at the patient’s home, for the purposes of life support, and any ancillary medical care or service relating to the use of the equipment:

(i)

a bi‑level positive airway pressure machine;

(ii)

a continuous positive airway pressure machine;

(iii)

a cough assist machine;

(iv)

a feeding pump;

(v)

an invasive ventilator;

(vi)

an oxygen concentrator;

(vii)

an oxygen cylinder;

(viii)

a pulse oximeter;

(ix)

a suction machine; or

(b)

medical care or service to a patient in the patient’s home, for the purposes of life support, where the patient —

(i)

has had a tracheostomy procedure;

(ii)

has a stoma;

(iii)

requires total parenteral nutrition;

(iv)

requires a feeding tube; or

(v)

requires urine catheterisation;

Definition

“living donor organ transplant” has the meaning given by the Human Organ Transplant Act 1987;

Definition

“medical clinic” means any premises used by one or more approved medical practitioners for the diagnosis or treatment of persons but does not include any such premises which form part of the premises of an approved hospital;

Definition

“medical practitioner” means any medical practitioner registered under the Medical Registration Act 1997 or any dentist registered under the Dental Registration Act 1999;

Definition

“medical treatment” includes —

(a)

any approved vaccination, First Schedule treatment, radiosurgery treatment, renal dialysis treatment or surgical treatment;

(b)

any treatment for any mental illness or personality disorder classified by the Minister for Health as a medical condition;

(c)

where any treatment or vaccination mentioned in paragraph (a) or (b) has been received by a person as an in‑patient of any approved medical institution that is not an approved day rehabilitation centre — the maintenance of that person in the approved medical institution; and

(d)

any curative material or device, medicine or investigation of a medical condition;

Definition

“medical treatment for conception” means —

(a)

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

(b)

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;

Amended byS 324/2026 wef 01/06/2026

Definition

“medical treatment for fertility preservation” means —

(a)

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

(b)

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

Amended byS 324/2026 wef 01/06/2026

Definition

“Medisave healthcare provider” has the meaning given by section 67A of the Act;

Definition

“member” includes a member who is an undischarged bankrupt;

Definition

“MIC@Home programme” means a health programme approved by the Minister for Health, and known by that name or as the Mobile Inpatient Care@Home programme;

Definition

“MIC@Home treatment” means any of the following provided by an approved MIC@Home treatment provider to a patient under the MIC@Home programme:

(a)

any medical treatment at a patient’s home;

(b)

any service ancillary to the medical treatment mentioned in paragraph (a);

(c)

any ambulance service;

Definition

“multiple neoplasms” means 2 or more neoplasms that —

(a)

arise from different sites;

(b)

are of a different histology or morphology group; or

(c)

arise from different sites and are of a different histology or morphology group;

Definition

“negative pressure wound therapy” means the use of vacuum dressing to promote wound healing;

Definition

“neoplasm” means an abnormal growth of a tissue in a part of the body, that can be benign or malignant;

Definition

“Ninth Schedule treatment” means any medical treatment specified in the Ninth Schedule;

Amended byS 324/2026 wef 01/06/2026

Definition

“non‑qualifying medical treatment” means any medical treatment for which no withdrawal from a medisave account may be made under this Part;

Definition

“organ transplantation costs” means —

(a)

any costs arising in relation or incidental to the removal of any organ from a non‑living organ donor for organ transplant, and includes the costs of —

(i)

the donor’s extended stay, before the donor’s death, in a hospital as necessitated by the donation of the donor’s organ;

(ii)

any surgical operation to remove the organ from the donor’s body;

(iii)

any pre‑harvesting laboratory test and investigation;

(iv)

any counselling provided to the donor’s family in connection with the donation of the donor’s organ;

(v)

the storage and transport of the organ; and

(vi)

such other procedure as may be approved by the Minister for Health; or

(b)

any costs so far as are reasonably or directly attributable to the removal of any specified organ from a living organ donor for organ transplant, and includes the costs of —

(i)

the donor’s stay in a hospital as necessitated by the donation of the donor’s specified organ until the donor is discharged;

(ii)

any surgical operation to remove the specified organ from the donor’s body;

(iii)

the storage and transport of the specified organ; and

(iv)

such other procedure as may be approved by the Minister for Health,but does not include —

(v)

any costs arising in relation or incidental to complications suffered by the donor due to the donation of the donor’s specified organ after the donor’s discharge from the hospital under sub‑paragraph (i);

(vi)

any pre‑harvesting laboratory test and investigation; and

(vii)

any counselling provided to the donor’s family in connection with the donation of the donor’s specified organ;

Definition

“out‑patient” means a patient other than an in‑patient or a patient receiving day surgical treatment;

Definition

“out‑patient scan” means any scan (including any magnetic resonance imaging (MRI), computerised tomography (CT) scans, positron emission tomography (PET) scans, ultrasound imaging and mammograms) instructed by an approved medical practitioner and performed on an out‑patient for the purpose of providing —

(a)

diagnostic imaging to investigate any medical condition of the out‑patient; or

(b)

clinical information for any non‑qualifying medical treatment or specified out‑patient treatment received by the out‑patient,but does not include the following:

(c)

any cancer scan or diagnostic test;

(d)

any scan for health screening purposes;

(e)

any scan performed at a specified emergency department of an approved medical institution, except —

(i)

a computerised tomography (CT) scan performed for traumatic brain injury at a specified emergency department of an approved medical institution; and

(ii)

any scan approved by the Minister for Health for a clinical indication approved by that Minister and performed at a specified emergency department of an approved medical institution;

Definition

“paediatric patient”, in relation to life support home care, means —

(a)

a patient who is below 19 years of age; or

(b)

a patient who is of 19 years of age and above and —

(i)

started receiving life support home care from National University Hospital (Singapore) Pte Ltd or KK Women’s and Children’s Hospital Pte. Ltd. before the patient attained 19 years of age and has not stopped receiving life support home care since;

(ii)

does not receive any out‑patient medical treatment under the home ventilation and respiratory support programme; and

(iii)

does not receive any approved out‑patient parenteral nutrition;

Definition

“parenteral antibiotics therapy” means the administration of any subsidised antibiotic through injection or infusion;

Definition

“pasteurised donated human milk” means human breast milk that has been pasteurised and is provided by KK Women’s and Children’s Hospital Pte. Ltd. as part of any medical treatment for a child below one year of age;

Definition

“pre‑delivery medical treatment” means any medical treatment prescribed by a medical practitioner that is received by a pregnant woman in relation to her pregnancy before the delivery of a child or the termination of her pregnancy;

Definition

“prescribed person”, in relation to a member, means a person —

(a)

who does not lack capacity within the meaning of section 4 of the Mental Capacity Act 2008; and

(b)

who is —

(i)

a deputy appointed or deemed to be appointed for the member by the court under the Mental Capacity Act 2008 with power in relation to the member for the purposes of the Act;

(ii)

a donee under a lasting power of attorney registered under the Mental Capacity Act 2008 with power in relation to the member for the purposes of the Act; or

(iii)

the spouse, a parent or a child of the member, or such other person related to the member as the Minister for Health may approve for the purposes of regulation 3 or 17, each being an individual who has attained 21 years of age;

Definition

“psychiatric treatment” includes any therapeutic procedure given to control and relieve any psychiatric symptom or to prevent its recurrence, but does not include any treatment for any mental illness or personality disorder classified by the Minister for Health as a medical condition;

Definition

“qualifying combined treatment” means one or more of the following treatments provided (whether on a single day or over a period of days) to a patient consecutively and in any order:

(a)

medical treatment as an in‑patient in an approved MIC@Home treatment provider received before, on or after 1 April 2024;

(b)

MIC@Home treatment received on or after 1 April 2024;

Definition

“radiosurgery treatment” means the treatment of neurosurgical or neurological disorders using any of the following:

(a)

gamma knife technology;

(b)

linear accelerator technology;

(c)

proton beam therapy for a Category 4 clinical indication listed in the Approved Indications for PBT;

(d)

externally generated ionising radiation delivered using —

(i)

a rigidly attached stereotactic guiding device or other immobilisation technology; or

(ii)

a stereotactic image‑guidance system,but excludes stereotactic radiotherapy;

Definition

“radiotherapy treatment” means the treatment of any malignant disease or certain benign condition with ionising radiation delivered externally or internally by sealed or unsealed radionuclides and irradiating apparatus as specified in the First Schedule;

Definition

“remote provision” has the meaning given by the Healthcare Services Act 2020;

Definition

“renal dialysis treatment” means any of the following:

(a)

haemodialysis;

(b)

continuous ambulatory peritoneal dialysis;

(c)

automated peritoneal dialysis;

(d)

any other treatment received for the purpose of purifying the blood of waste metabolites accumulated as a result of renal failure, that is approved by the Minister for Health for the purposes of this Part;

Definition

“repetitive transcranial magnetic stimulation” means a non‑invasive brain stimulation procedure using magnetic pulses delivered through an electromagnetic coil placed against a patient’s scalp and carried out over one or more treatment sessions;

Definition

“Singapore Gamma Knife Centre” means any premises which provide gamma knife treatment for the care of in‑patients and are approved by the Minister for Health for the purposes of this Part;

Definition

“Sixth Schedule treatment” means each type of treatment specified in the first column of the Sixth Schedule;

Definition

“specified emergency department” means any premises that provide emergency medicine services and are specified by the Minister for Health for the purposes of this Part;

Definition

“specified organ” has the meaning given by the Human Organ Transplant Act 1987;

Definition

“specified out‑patient treatment” means any out‑patient medical treatment or out‑patient psychiatric treatment, approved by the Minister for Health for the purposes of regulation 21B;

Definition

“subsidised antibiotic” means an antibiotic in the dosage form and strength listed on the List of Subsidised Drugs published on the website of the Ministry of Health at https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/list-of-subsidised-drugs;

Definition

“surgical treatment” means any surgical treatment approved by the Minister for Health for the purposes of this Part;

Definition

“Third Schedule treatment” means any medical treatment specified in the Third Schedule;

Definition

“treatment for sexual sterilisation” has the meaning given by the Voluntary Sterilisation Act 1974;

Definition

“treatment of neoplasms” means the treatment of malignant neoplasms, certain benign neoplasms and neoplasms of uncertain behaviour.

Subregulation 2

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.

Subregulation 3

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.

Subregulation 4

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.

Subregulation 4A

Amended byS 324/2026 wef 01/06/2026

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).

Subregulation 5

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

(a)

every reference to any type of treatment specified in the first column of the Sixth Schedule (whether by a specific reference or by a collective term, such as medical treatment or an approved treatment package, which includes that type of treatment) includes approved remote consultation in relation to that type of treatment received on an out‑patient basis in the circumstances specified in the second column of the Sixth Schedule for that type of treatment; and

(b)

each type of treatment specified in the first column of the Sixth Schedule is subject to the same limit on withdrawal prescribed in the applicable provision specified in the third column of the Sixth Schedule for that type of treatment whether or not it is received as approved remote consultation.