If you do not have sufficient MediSave for your outpatient treatment expenses, you may consider tapping on one or more of your immediate family member's MediSave. Immediate family members include your spouse, children, parents, grandchildren and siblings. You must be a Singapore Citizen or Permanent Resident if you wish to tap on your grandchildren or sibling's MediSave.

 

You may claim up to $700 (for patients with complex chronic conditions) or $500 (for non-complex chronic patients) per patient per year. Each MediSave claim is subject to a 15% co-payment in cash except for treatments received at your enrolled Healthier SG clinic. You may find out more about Healthier SG and search for a clinic near you to enrol into one.

 

While you can tap on your immediate family member's MediSave, the amount you can use is subject to the MediSave withdrawal limits, which is applied on a per patient basis regardless of the number of payers. If you still have outstanding medical expenses after utilising up to the MediSave withdrawal limit, you would have to pay the remainder in cash.