What is the MediSave daily ward limit 2026?

S$700 per day for normal wards, S$900 per day for ICU. These apply across ward classes at restructured hospitals.

Can MediSave pay the MediShield Life deductible?

Yes. MediSave can pay the annual deductible (S$1,500-S$3,500 by ward class) and 10% co-insurance, significantly reducing cash outlay.

What is the maternity MediSave limit?

S$900 pre/postnatal outpatient limit plus S$2,150 (vaginal) or S$2,700 (C-section) delivery limit at restructured hospitals.

MediSave · Withdrawal Limits 2026 · Inpatient · CDMP · Maternity · Surgical

MediSave Withdrawal Limits Calculator Singapore 2026
Inpatient, Outpatient CDMP, Maternity & Surgical Limits with Bill Breakdown

Q: What are the MediSave surgical table limits?

Table 1A: S$1,500. Table 2: S$2,500. Table 3: S$3,500. Table 4: S$5,000. Table 5: S$6,000. Table 6: S$7,000. Table 7A/7B: S$7,550.

Q: What is the CDMP MediSave limit?

S$500/year for 1-3 chronic conditions, S$700/year for 4 or more conditions under the Chronic Disease Management Programme.

Calculate exactly how much MediSave you can claim for any hospitalisation, CDMP outpatient visit, maternity delivery, or psychiatric treatment in Singapore 2026. Enter your bill, ward class, surgical table, and number of days — see the split between MediSave, MediShield Life, and your out-of-pocket cash instantly with a doughnut breakdown chart.

✓ Inpatient Ward + ICU Limits ✓ Surgical Tables 1A–7B ✓ MediShield Life Coverage ✓ CDMP Outpatient Limits ✓ Maternity & Psychiatric

🏥 MediSave Claim Inputs

Ward & Stay Details

Ward Class

MediShield Life deductible varies by ward: Class C/B2: S$1,500 · Class B1: S$2,000 · Class A: S$3,000 · Private: S$3,500 per policy year.

Total Inpatient Days

days

ICU Days Optional

ICU days

ICU limit: S$900/day. Normal ward limit: S$700/day.

Surgery (if applicable)

Was Surgery Performed?

Surgical Table (from bill / doctor)

The surgical table is listed on your hospital bill or can be obtained from the hospital’s billing department. More complex surgeries attract higher table numbers.

Total Hospital Bill Key input

🏥 MediSave Claim Breakdown

🏥

Select a category (Inpatient / CDMP / Maternity / Psychiatric) and enter your bill details to see exactly how much MediSave you can claim — with MediShield Life coverage and out-of-pocket cost.

Bill Split: MediSave (teal) / MediShield Life (blue) / Out-of-Pocket (red)

MediSave Withdrawal Limits Singapore 2026 — Inpatient Ward Caps, Surgical Tables 1A–7B, CDMP S$500–S$700 & Maternity Limits

MediSave is Singapore’s mandatory medical savings component of CPF — it can be used to pay for a wide range of approved healthcare costs, subject to annual or per-episode limits. The key 2026 limits are: S$700/day for inpatient ward charges (S$900/day for ICU), plus separate surgical limits ranging from S$1,500 (Table 1A, minor surgery) to S$7,550 (Table 7, major procedures). For outpatient CDMP (Chronic Disease Management Programme), MediSave can cover up to S$500/year for 1–3 chronic conditions and S$700/year for 4 or more. Maternity covers S$900 pre/postnatal outpatient plus delivery ward costs. Psychiatric inpatient is limited to S$150/day with a S$5,000 annual cap.

2026 MediSave Limits Quick Reference — All Categories

Category	Limit	Notes
Inpatient ward	S$700/day	Normal ward. S$900/day for ICU
Surgical Table 1A	S$1,500	Minor day surgery (e.g. cyst removal)
Surgical Table 4	S$5,000	Moderate surgery (e.g. appendectomy)
Surgical Table 7A/7B	S$7,550	Major surgery (e.g. heart bypass, knee replacement)
CDMP outpatient (1–3 conditions)	S$500/yr	At CHAS or polyclinic
CDMP outpatient (4+ conditions)	S$700/yr	Per patient per year
Pre/postnatal outpatient	S$900/delivery	At approved providers
Psychiatric inpatient	S$150/day (max S$5,000)	IMH or approved facilities
Cancer screenings	S$300/yr	Mammography, colonoscopy, pap smear

How MediShield Life Works with MediSave for Inpatient Bills

For inpatient hospitalisation, MediSave and MediShield Life (MSL) work together. The process: (1) MediSave pays the daily ward charges (up to S$700/day) and surgical procedure costs (up to the surgical table limit); (2) Any remaining bill after MediSave is subject to the MediShield Life annual deductible (S$1,500–S$3,500 depending on ward class); (3) After the deductible, MediShield Life covers 90% of the remaining claimable bill; (4) The patient pays 10% co-insurance plus any bill above MediShield Life claim limits. MediSave can also be used to pay the deductible and co-insurance amounts.

How This MediSave Limits Calculator Works — 4-Category Bill Breakdown with Doughnut Chart

Inpatient Tab: Ward Days, ICU, and Surgical Table

Enter ward class, total days, ICU days (if any), whether surgery was performed and the surgical table. The calculator applies S$700/day for normal ward + S$900/day for ICU, adds the surgical table limit, and then computes MediShield Life coverage (after the annual deductible for the selected ward class, at 90% co-insurance). The doughnut chart shows the three-way bill split instantly.

CDMP Outpatient Tab: Chronic Disease Annual Limit

Select the number of chronic conditions under the CDMP programme. 1–3 conditions: S$500/year limit. 4 or more: S$700/year. The calculator shows MediSave claimable and remaining out-of-pocket. CHAS Blue/Orange cardholders can further reduce out-of-pocket costs by up to S$80 per visit.

Maternity Tab: Delivery and Pre/Postnatal Limits

Enter delivery type (vaginal or C-section), hospital type, and total bill. The MediSave limit covers S$900 pre/postnatal outpatient plus the delivery ward charges (up to the applicable limit for the delivery type at restructured or private hospitals).

3 Real Singapore MediSave Examples — Knee Replacement, Diabetic CDMP & C-Section

Knee Replacement (Table 6), 5 Days B1

Total billS$18,000

MediSave (ward 5d)S$3,500

MediSave (surgical T6)S$7,000

MediShield Life~S$5,850

Out-of-pocket~S$1,650

MediSave covers58% of bill

Diabetic + Hypertension CDMP (2 conditions)

Annual medical costsS$720

CDMP limit (2 conds)S$500/yr

MediSave coversS$500

Out-of-pocketS$220

CHAS further reducesup to S$80/visit

Effective costVery low

C-Section at KKH (B1 ward)

Total maternity billS$7,500

Pre/postnatal limitS$900

Delivery C-Section limitS$2,700

Total MediSaveS$3,600

MediShield Life~S$2,610

Out-of-pocket~S$1,290

3 Expert MediSave Tips — Polyclinic vs Private for CDMP, Using Flexi-MediSave & ISP to Cover Gaps

Use Polyclinic or CHAS GP for CDMP — Stretch S$500 MediSave to Cover Far More

The S$500 CDMP annual MediSave limit is a cap, not a guarantee. At a private GP without CHAS subsidies, S$500 may cover only 2–3 consultations with medication. At a polyclinic (subsidised rates), S$500 covers approximately 6–10 visits with medication — effectively the full year of chronic disease management for most patients. CHAS Blue/Orange further subsidises visits at participating GPs: up to S$80 per chronic condition visit (CHAS Orange) or S$28 (CHAS Blue), reducing your cash outflow to near-zero. For seniors with multiple chronic conditions, the combination of CHAS card + CDMP MediSave can make chronic disease management almost entirely free of cash payments.

MediSave Can Pay the MediShield Life Deductible and Co-Insurance — Reducing Cash Outflow

Many Singaporeans are surprised to learn that MediSave can be used to pay not just the direct ward and surgical charges, but also the MediShield Life deductible (S$1,500–S$3,500 depending on ward class) and the 10% co-insurance. For a Class B1 hospitalisation with a S$2,000 deductible and 10% co-insurance of S$800, the total MediSave usage could be: S$3,500 ward + S$5,000 surgical + S$2,000 deductible + S$800 co-insurance = S$11,300 — significantly reducing cash out-of-pocket. If the MediSave account balance is insufficient, a spouse’s, parent’s, or sibling’s MediSave can be used (with their consent) under the Medisave-approved household arrangement.

Integrated Shield Plans Fill the Gaps Above MediShield Life Limits — But Check Rider Rules

MediShield Life has claim limits and deductibles that leave residual out-of-pocket costs, especially for private hospital bills or complex surgeries. An Integrated Shield Plan (ISP) from a private insurer (AIA, Great Eastern, Income, NTUC, Prudential, Singlife) tops up the coverage above MSL limits. From 2021, ISP riders that cover the deductible and co-insurance in full (“As-charged riders”) were phased out — new riders must include a minimum 5% co-payment by the patient (capped at S$3,000/year). MediSave can pay the basic ISP premium (MediSave AWL applies), but the rider component must be paid in cash. Use the Integrated Shield Plan Top-Up Calculator on this site to see your MediSave vs cash split for ISP premiums.

16 FAQs — MediSave Withdrawal Limits Singapore 2026, Surgical Tables, CDMP & MediShield Life

What is the MediSave daily ward limit for 2026?+

The MediSave daily ward limit for normal wards is S$700 per day in 2026. For Intensive Care Unit (ICU) admissions, the limit is S$900 per day. These limits apply across ward classes (C, B2+, B1, A) at restructured hospitals. At private hospitals, the same per-day limits apply to the MediSave claim, but total bills are typically much higher. The daily limit covers room and board charges only — surgical procedures are covered separately under the surgical benefit tables (Table 1A to Table 7).

How do surgical tables determine MediSave claims?+

Surgical procedures in Singapore are classified into tables (1A through 7) based on complexity, risk, and time. Each table has a corresponding MediSave benefit limit: Table 1A (minor): S$1,500 · Table 2: S$2,500 · Table 3: S$3,500 · Table 4: S$5,000 · Table 5: S$6,000 · Table 6: S$7,000 · Table 7A/7B (major): S$7,550. The surgical table for your procedure is determined by the Ministry of Health’s classification system. Your hospital bill or surgeon’s invoice will state the surgical table. If multiple surgical procedures are performed in one admission, the limits may be combined (up to the higher table limit).

Can I use another family member’s MediSave to pay my hospital bill?+

Yes. MediSave can be used to pay for hospitalisation and certain other medical expenses of immediate family members: spouse, children, parents, grandparents, and siblings. The family member using their MediSave must consent and provide their NRIC. The same withdrawal limits apply — each person’s MediSave withdrawal is subject to the standard daily and surgical limits. This is particularly useful when the patient’s own MediSave balance is insufficient to cover large bills. There is no limit on the number of family members whose MediSave can be used for one bill — they can all contribute up to their respective limits.

What is the CDMP MediSave limit in 2026?+

Under the Chronic Disease Management Programme (CDMP), MediSave can be used for outpatient treatment of approved chronic conditions: S$500/year for patients with 1–3 conditions, and S$700/year for patients with 4 or more conditions. The limit is per patient per year (calendar year), not per condition. Covered conditions include diabetes mellitus, hypertension, lipid disorders, stroke, asthma, COPD, major depression, schizophrenia, bipolar disorder, dementia, Parkinson’s disease, osteoarthritis, epilepsy, and others. Treatment must be at approved CHAS clinics, polyclinics, or restructured hospital outpatient departments for MediSave to be claimable.

Does MediSave cover the full cost of hospitalisation?+

Not entirely. MediSave covers the daily ward charges (up to S$700/day) and surgical fees (up to the table limit) — together referred to as the “MediSave claimable” amount. For most hospitalisation episodes at restructured hospitals (subsidised wards), this covers a significant portion. For longer stays, complex surgeries, or private hospitals, the MediSave limits may be much lower than the actual bill. MediShield Life (and ISPs if held) then cover additional amounts after the deductible. The remaining out-of-pocket — deductible, co-insurance, and amounts above MSL claim limits — can also be paid from MediSave.

What is the MediShield Life deductible and how does it interact with MediSave?+

The MediShield Life deductible is the amount you must pay first before MSL coverage kicks in, applied per policy year (not per hospitalisation). For 2026: Class C and B2: S$1,500 · Class B1: S$2,000 · Class A and private: S$3,000–S$3,500. This means that for the first hospitalisation of the year, you (or your MediSave) pay the full deductible before MSL contributes. For subsequent hospitalisations in the same year, the deductible is considered already met. Crucially: MediSave can pay the deductible and co-insurance amounts — so in most cases, the “cash outlay” for a B1 or lower stay is very limited.

What maternity costs can MediSave cover?+

MediSave covers maternity costs in two components: (1) Pre/postnatal outpatient: S$900 per delivery — for consultations before and after birth at approved providers; (2) Delivery ward and delivery-related inpatient: limits vary by delivery type and hospital — vaginal delivery at restructured hospitals: S$2,150, C-section: S$2,700. At private hospitals, the same limits apply. These amounts can be used for delivery ward charges — any amount beyond the MediSave limits (common for private hospitals) must be paid from MediShield Life (if applicable to maternity — check your ISP) or cash. The S$4,000 MediSave Grant for Newborns is automatically credited to the baby’s MediSave — not to the mother’s account.

Are psychiatric hospitalisation claims different from regular inpatient?+

Yes. Psychiatric inpatient claims have a separate, lower limit: S$150/day with an annual cap of S$5,000. Crucially, MediShield Life generally does not cover psychiatric hospitalisation — this must be checked with your insurer if you hold an ISP. The lower MediSave limit and absence of MSL coverage means psychiatric inpatient costs typically result in higher out-of-pocket expenses than equivalent physical illness admissions. Subsidised wards at the Institute of Mental Health (IMH) significantly reduce the base daily rate, which in combination with MediSave can make mental health inpatient treatment affordable. Government subsidies at IMH can reduce the ward charge to a few dollars per day.

What cancer screenings can be paid from MediSave?+

MediSave can cover approved cancer screenings under the Screen for Life programme: up to S$300/year. Approved screenings include: mammography (for women 40+), cervical cancer pap smear (women 25–69), colorectal cancer faecal immunochemical test (FIT) or colonoscopy (persons 50+), and diabetes screening. At polyclinics and CHAS clinics with Screen for Life subsidies, screenings cost as little as S$5–S$15 after government subsidies — the MediSave limit of S$300 typically covers several screenings per year. The MediSave screening claim is separate from and additive to the CDMP limit.

What happens if my MediSave balance is insufficient for a large hospital bill?+

If your own MediSave is insufficient: (1) You can request family members’ MediSave (spouse, parents, children, grandparents, siblings) — each can contribute up to the standard withdrawal limits; (2) If total household MediSave is insufficient, you pay the remaining balance in cash; (3) For Singapore Citizens with genuine financial hardship, Medifund may provide assistance — apply at the hospital’s medical social worker; (4) MediFund Silver applies for Singapore Citizens aged 65+. There is no borrowing from CPF OA for medical bills — only MediSave.

Can MediSave be used for dental treatment?+

Generally no — routine dental treatment cannot be paid from MediSave. The exception: certain dental procedures that are part of a surgical admission (e.g., jaw surgery, removal of impacted wisdom teeth requiring general anaesthesia at a hospital) may be claimable under the inpatient MediSave limits. Community Dental Services at polyclinics offer highly subsidised dental care for seniors (CHAS cardholders or Singaporeans 65+) on a cash/CHAS subsidy basis — not via MediSave.

Does MediSave cover Traditional Chinese Medicine (TCM)?+

Yes, but only for inpatient TCM treatment at approved institutions — not outpatient TCM. Approved TCM inpatient facilities include Thong Teck Medical Hall and others on CPF Board’s approved list. Outpatient TCM visits — even at hospitals — are generally not claimable from MediSave. Acupuncture, herbal medicine, and tui na (massage) at standalone TCM clinics or outpatient TCM departments cannot be paid from MediSave. The exception is TCM integrated into specific approved chronic disease programmes — which may qualify under CDMP at certain institutions.

What is the MediSave Flexi-Withdrawal and who qualifies?+

The Flexi-MediSave scheme is specifically for Singapore Citizens aged 65 and above. It allows withdrawal of up to S$200 per year for any approved outpatient medical expenses (beyond the standard CDMP / vaccination limits) at approved healthcare providers. This includes outpatient consultations for conditions not covered under CDMP, physiotherapy, and other medical services. Flexi-MediSave must be used at approved public healthcare institutions (polyclinics, restructured hospital outpatient departments) — private clinics do not qualify. For seniors with multiple healthcare needs, combining CDMP (S$500/S$700) + Flexi-MediSave (S$200) + cancer screening (S$300) can cover up to S$1,200/year of outpatient costs from MediSave.

Is the MediSave limit for day surgery different from inpatient surgery?+

Day surgery (no overnight stay) can also be claimed from MediSave under the surgical table limits — the same Table 1A to Table 7 structure applies. However, the daily ward charge component (S$700/day) does not apply for day surgery since there is no overnight ward stay. Only the surgical table limit (S$1,500–S$7,550) is claimable for day surgery. Many common procedures — cataract surgery, colonoscopy with polypectomy, minor hernia repairs — are performed as day surgery and can be claimed under the appropriate surgical table from MediSave.

Can MediSave cover the cost of a Integrated Shield Plan premium?+

Yes. The MediSave Additional Withdrawal Limit (AWL) allows MediSave to pay for the basic Integrated Shield Plan (ISP) premium — above the MediShield Life premium. The AWL depends on your age: for members below 40: up to S$300/yr · age 40–70: up to S$600/yr · age 71+: up to S$900/yr. The ISP rider (which tops up deductible and co-insurance) must be paid in cash only from 2021 — it cannot be paid from MediSave. Use the Integrated Shield Plan Top-Up Calculator on this site for the full MediSave vs cash premium breakdown for your plan tier and age.

Where can I verify current MediSave withdrawal limits?+

Always verify limits with official sources: (1) CPF Board at cpf.gov.sg/medisave; (2) Ministry of Health at moh.gov.sg for approved procedure lists and claim limits; (3) CPF Board hotline: 1800-227-1188; (4) Your hospital’s billing department for the specific surgical table for your procedure. MediSave limits are reviewed periodically — the figures in this calculator are based on the latest publicly available 2026 data. This calculator provides indicative estimates only.

Related MediSave & Health Insurance Calculators

Legal Disclaimer. MediSave withdrawal limits used: ward S$700/day, ICU S$900/day, surgical Tables 1A–7B (S$1,500–S$7,550), CDMP S$500/yr (1–3 conditions) or S$700/yr (4+), pre/postnatal S$900/delivery, psychiatric S$150/day max S$5,000/yr. MediShield Life deductibles: C/B2 S$1,500, B1 S$2,000, A S$3,000, Private S$3,500. Co-insurance: 10%. Figures are indicative 2026 estimates — actual claimable amounts depend on the specific procedure, hospital, ward class, MediSave balance, MSL policy year deductible already used, and CPF Board’s final processing. Verify at cpf.gov.sg/medisave. Not financial or medical advice. Operated by MAFHH INTERNATIONAL LTD.

MediSave Withdrawal Limits Calculator Singapore 2026Inpatient, Outpatient CDMP, Maternity & Surgical Limits with Bill Breakdown