Medisave is the national medical savings scheme that helps Singaporeans and Permanent Residents to keep aside a portion of their income into a medical-focused savings account, which can be used to defray hospitalisation, day surgery and certain outpatient expenses.
Under the Medisave Scheme in Singapore, every employee will contribute 8 to 10.5 percent of their monthly salary to their personal Medisave account, depending on their age group. When required, the savings may be withdrawn to pay for the hospitalisation and other eligible bills of himself or immediate family members.
Procedures Eligible for Medisave Claims
Besides that, Medisave can also be used to pay for certain dental services at dental clinics and medical institutions accredited by the Ministry of Health and Central Provident Fund (CPF) Board. As a general guide, dental treatments that involve surgery and are performed due to medical reasons can be paid for using Medisave.
Such medical treatments will normally include the following:
- Surgical removal of wisdom tooth or fractured tooth
- Gum grafting
- Jaw surgery
- Placement of dental implants
- Bone graft
Do note that non-surgical or cosmetical dental procedures, such as non-surgical root canal treatment, crowning, dentures and braces, as well as simple teeth extractions that do not involve surgery, are excluded from Medisave claims.
Using Medisave and Associated Payment Limits
The amount payable via Medisave for dental surgical procedures is determined by the type of surgery appended on the Table of Surgical Procedures (TOSP), an exhaustive list of procedures for which Medisave can be claimed for. Each medical procedure in the TOSP is tied to a specific code which, in turn, determines the limit that can be claimed using Medisave for the procedure according to the Table of Operations, which is listed below:
Maximum Amount Allowed
For example, the surgical insertion of a dental implant falls under Table 2C, which sets the Medisave limit at $950. If you have to insert two dental implants, you can use up to $1,900 ($950 x 2) for your payment of your dental implants. Presuming the insertion of two dental implants will cost you $3000, you will need to pay a balance of $1,100, after deducting $1,900 from your Medisave account, subject to final approval of the CPF Board.
For surgical wisdom tooth extraction done as a day surgery, Medisave can be used to cover up to $300 per day for ward charges, such as investigation, medicine and doctor’s attendance, as well as a fixed limit for operation ranging from $250 (Table 1A) to $7,550 (Table 7C) depending on the type of operation performed. If there is more than one operation, the total amount which can be withdrawn from Medisave for the operation cannot exceed $7,550 or the actual amount incurred, whichever is lower.
Making a Claim for Dental Surgery Using Medisave
Before making use of your Medisave for payment of dental procedure, you should first check with the accredited dental clinic or medical institution if the procedure is approved for claims under Medisave.
Once you have ascertained that the procedure is approved for claims under Medisave, you can then inform the staff that you would want to make use of your Medisave during payment or while being discharged. In this instance, the staff will get you to sign the Medical Claims Authorisation Form (MCAF), which authorises the clinic or institution to use your Medisave balance to pay the bill.
At the point of application, the clinic should inform you of the bill amount, the amount to be deducted from your Medisave account, confirming your name against the Medisave account details, as well as any outstanding amount of the bill to be paid in cash.
Once the claims are approved and processed, you will receive a Medisave Claims Statement indicating the name of the patient you have paid for, the amount deducted from the Medisave account, as well as the name of the clinic or institution where the claim was made.
In the event that you do not have a Medisave account, or your Medisave balance is insufficient to cover the bill, your immediate family members, such as your spouse, parents, siblings or child, may use their Medisave to help you with the bill payment, subject to Medisave withdrawal limits. Do note that the Medisave Account holder has to fill in and sign the required MCAF form.
As mentioned earlier, Medisave can only be used for payment of surgeries and day surgeries and non-surgical treatments are excluded. However, those enrolled in the CHAS scheme are able to enjoy subsidised rates for selected non-surgical dental treatments at accredited dental clinics, depending on the card they are eligible for.