MediSave Withdrawal Calculator (2026)

How much of your Singapore healthcare bill can MediSave cover? Pick a scenario — inpatient, day surgery, chronic care, maternity, MediSave Care, MediShield Life + IP premium, or outpatient treatment — and see the claimable amount and cash top-up.

Last updated: May 2026Source: CPF Board · MOH

What is the MediSave Withdrawal Calculator?

It pulls the published 2026 MediSave withdrawal limits across the eleven scenarios CPF Board and MOH cover (hospitalisation, day surgery via TOSP, MediSave500/700 chronic care, the MediSave Maternity Package, MediSave Care for severe disability, MediShield Life + IP premiums via the AWL, plus outpatient cancer drugs, renal dialysis, immunosuppressants and hyperbaric oxygen) and applies the right cap to your bill. Each scheme has a different rule — this calculator surfaces them all in one place.

Quick Answer

For a 3-day inpatient stay with a $5,000 bill, MediSave covers $2,660 on the daily-charges side (2 days × $1,130 + 1 day × $400). Surgery is reimbursed separately via the Table of Surgical Procedures — from $240 (Table 1A) to $5,290 (Table 7C). The remaining cash gap is typically bridged by an Integrated Shield Plan.

ScenarioTotal hospital bill

Days admitted

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Pick a scenario, enter the bill, and see how much MediSave will cover.

For reference only — not medical advice.

Quick Reference — 2026

• Basic Healthcare Sum (BHS): $75,500
• Inpatient daily cap: $1,130/day for first 2 days, $400/day thereafter
• Day surgery hospital charges: $830/day + TOSP-based surgical cap
• TOSP range: $240 (Table 1A) to $5,290 (Table 7C)
• MediSave 500/700: $500 standard / $700 complex chronic; rises to $700/$1,000 from 1 Jan 2027
• MediSave Maternity Package: $900 pre-delivery + $1,120–$2,770 surgical + daily charges
• MediSave Care: $200/month cash for severely disabled (3-of-6 ADL)
• ISP AWL: $300 (≤40 next birthday) / $600 (41–70) / $900 (71+)

Who This Calculator Is For

pregnant_woman

Expecting Parents

Plan how the MediSave Maternity Package interacts with your hospital tier choice and ISP rider.

Pre-delivery: $900 cap on consultations + scans
Delivery surgical: $1,120–$2,770 by procedure
Hospital stay: $1,130/day cap for first 2 days

monitor_heart

Chronic Disease Patients

Track the annual MediSave 500/700 cap and pair it with Healthier SG vaccinations and screenings.

Standard cap: $500/yr per patient
Complex cap: $700/yr (2+ complex conditions)
2027 increase: $700/$1,000 from 1 Jan 2027

elderly

Seniors and Carers

MediSave Care + MSHL/ISP premium AWL are the two heavyweight schemes for the 65+ cohort.

MediSave Care: $200/month cash for severe disability
ISP AWL 71+: $900/yr top-up beyond MSHL
Spouse top-up: Combine MediSave for couples

medical_services

Day-Surgery Patients

TOSP-coded procedures have very different caps. Confirm your code with the surgeon before committing.

Hospital charges: $830/day cap on the day
Surgical cap: $240 (1A) to $5,290 (7C)
TOSP code: Set by surgeon by complexity

How MediSave Withdrawal Limits Work

MediSave is one of three CPF accounts (OA, SA/RA, MA), funded as part of every CPF contribution and ring-fenced for healthcare. Unlike OA, you cannot use MediSave for arbitrary spending — every withdrawal is governed by a scheme-specific cap published by CPF Board and MOH. Eleven separate schemes, each with different inputs and ceilings, are surfaced by this calculator.

The biggest buckets: inpatient hospitalisation (daily cap + Table of Surgical Procedures), outpatient chronic care (the MediSave500/700 scheme — rising to 700/1,000 from 1 Jan 2027), maternity (the MediSave Maternity Package), long-term care (MediSave Care $200/month), and insurance premiums (MediShield Life fully claimable; ISP top-up capped at the AWL by age band). Use the Integrated Shield Plan Comparison to size the cash gap above MSHL.

For the avoidance of doubt, the figures are caps — you can only claim up to the lower of (cap, actual bill). Anything above is paid in cash, which is precisely the gap an ISP rider closes. For premiums, see how MediSave funds itself month by month in the CPF Contribution Calculator, and for long-term-care planning pair this with the CareShield Life Premium Calculator.

local_hospital

Inpatient daily cap

Days 1–2: $1,130/day; days 3+: $400/day

Effective 1 Apr 2025

vaccines

MediSave 500/700

Annual cap on chronic care + screenings

$500 / $700 (2026)

elderly

MediSave Care

Cash withdrawal for severe disability

$200/month

MediSave vs ISP vs Cash: Who Pays What?

Most healthcare bills get split across three buckets. Here is a typical mid-size hospital scenario — the calculator above customises it to your inputs.

Bill component	MediSave	Integrated Shield Plan	Cash
Daily ward charges (B2/C ward)	$1,130 day 1–2, $400 thereafter	MSHL covers most of B2/C	Co-payment only
Daily ward charges (private hospital)	Same cap as B2/C	IP rider closes gap	Significant without rider
Surgical procedure (TOSP)	$240–$5,290 by Table	Top-up above TOSP cap	After ISP deductible
Outpatient chronic care	$500/$700 per year	Generally not covered	15% co-pay + amounts above cap
Delivery (MMP)	Up to $4,810 (c-section + days)	IP riders cover delivery	Pre/post-natal above $900
MediShield Life premium	Fully MediSave-payable	IP top-up up to AWL	IP premium above AWL
Long-term care (MediSave Care)	$200/mo cash withdrawal	CareShield Life supplements	Daily living costs

MediSave + ISP together cover most public-hospital scenarios. Private-hospital cash exposure can be substantial without a rider — model it before committing.

Frequently Asked Questions

How much MediSave can I withdraw for a hospital stay?expand_more

MediSave covers up to S$1,130 per day for the first two days of inpatient hospitalisation, then up to S$400 per day from the third day onwards (effective 1 April 2025, current for 2026). This covers ward charges, treatment, investigations and medicines. Surgical fees are reimbursed separately under the Table of Surgical Procedures (TOSP), capped at S$240 to S$5,290 depending on procedure complexity. Anything above these caps is paid in cash.

What is the MediSave 500/700 scheme?expand_more

MediSave500/700 lets you use up to S$500 a year (S$700 if you have two or more complex chronic conditions) from MediSave for outpatient treatment under the Chronic Disease Management Programme (CDMP), recommended adult vaccinations, and Healthier SG screenings. From 1 January 2027 the scheme will be renamed MediSave Chronic & Preventive Care and the limits will rise to S$700 / S$1,000.

Can I use MediSave for delivery and pre-natal expenses?expand_more

Yes — the MediSave Maternity Package (MMP) covers pre-delivery costs (consultations, scans, tests, medications) up to S$900 per pregnancy, plus the surgical procedure cost on delivery (S$1,120 for normal, S$1,370 assisted, S$2,150 c-section, S$2,770 complicated c-section), plus daily hospital charges of S$1,130 for the first two days and S$400 thereafter. Mother’s MediSave is used first; the husband’s MediSave can cover any shortfall.

Can MediSave pay my MediShield Life and Integrated Shield Plan premiums?expand_more

MediShield Life premiums are fully payable from MediSave, including for dependants. For the private Integrated Shield Plan top-up portion, an Additional Withdrawal Limit (AWL) applies: S$300 per year if you are 40 or below on your next birthday, S$600 if 41–70, and S$900 if 71 and above. Anything above the AWL is cash.

What is MediSave Care and who is eligible?expand_more

MediSave Care lets a severely disabled Singapore Citizen or PR (aged 30 or above, unable to perform 3 or more of 6 Activities of Daily Living per an MOH-accredited assessor) withdraw up to S$200 a month in cash from MediSave to defray long-term care costs. Spouse’s MediSave can supplement up to a combined S$200/month. A minimum balance of S$5,000 must remain in MediSave after withdrawal.

Can I use MediSave for my dependants?expand_more

Yes for most schemes. MediSave can pay for hospitalisation, day surgery and chronic care for your spouse, children, parents and grandparents. The MediSave Maternity Package allows the husband to top up the wife’s MediSave for delivery costs. Siblings are not covered for most schemes. MediShield Life premiums for dependants are also fully payable from your MediSave.

What happens if my bill exceeds the MediSave cap?expand_more

You pay the difference in cash. Most Singaporeans bridge this gap with an Integrated Shield Plan that covers ward upgrades and higher claim limits beyond MediShield Life. The cash exposure is highest for private-hospital stays without ISP riders, where the daily cap of S$1,130 may cover only 30–40% of the actual bill. Use this calculator to size the gap before you commit to a procedure or ward class.

Sources

• CPF Board (cpf.gov.sg) — Using MediSave for healthcare needs, hospitalisation, outpatient withdrawal limits
• CPF Board PDF (1 Apr 2025) — MediSave Withdrawal Limits including TOSP table
• MadeForFamilies (madeforfamilies.gov.sg) — MediSave Maternity Package amounts
• Ministry of Health (moh.gov.sg) — AWL for ISP premiums, Maternity Package limits
• Agency for Integrated Care (aic.sg) — MediSave Care eligibility

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