There is no single MediSave withdrawal limit. There are dozens, one for each type of treatment, and each is a hard dollar cap on how much of your MediSave you may tap before the rest of the bill turns into cash or insurance. For an inpatient stay you can draw $1,130 a day for the first two days and $400 a day after that. A day surgery caps at $830 for ward and treatment charges, plus $240 to $5,290 for the operation itself depending on its complexity. This guide lists every limit that applies in 2026, with the official figure beside it, so you can predict your out-of-pocket cost before you walk into the clinic.
MediSave is the part of your CPF earmarked for healthcare, sitting in your MediSave Account (MA). Money flows in from your monthly CPF contributions and earns 4% a year, but it is not a free-for-all wallet. The government caps what you can draw for each treatment so the account is not drained early and still has something left when you are 80 and your medical bills are at their heaviest.
That is the whole logic behind a withdrawal limit. It is a per-treatment ceiling, not a punishment. If your bill sits under the cap, MediSave covers it. If the bill runs over, you settle the gap with cash, MediShield Life, or an Integrated Shield Plan. Knowing the ceiling in advance is the difference between a planned payment and a nasty surprise at the cashier.
Separately from these per-use caps, your MA itself stops filling once it hits the Basic Healthcare Sum. We cover that ceiling in detail in our guide to the Basic Healthcare Sum; this article is about how much you can take out, not how much can pile up.
Inpatient and day-surgery limits are the ones most people meet first, usually after an unplanned admission. MediSave splits a hospital bill into two parts: the daily hospital charges (ward, treatment, scans, medicines) and the surgical procedure itself.
For an inpatient stay you can use up to $1,130 per day for the first two days, then $400 per day from the third day onward. A day surgery, where you go home the same day, caps at $830 for hospital charges. On top of either, the surgery itself is reimbursed against the Table of Surgical Procedures (TOSP), which assigns every operation a complexity band from 1A up to 7C.
| Charge type | MediSave withdrawal limit |
|---|---|
| Inpatient daily charges, first 2 days | $1,130 per day |
| Inpatient daily charges, day 3 onward | $400 per day |
| Day surgery hospital charges | $830 per day |
| Surgical procedure (TOSP band 1A) | $240 |
| Surgical procedure (TOSP band 7C) | $5,290 |
The $240-to-$5,290 range is not a guess at your bill. Each operation has a fixed MediSave limit set by its TOSP band, so a minor scope and a major open surgery draw very different amounts. You can claim for up to three surgical procedures in one episode, covering no more than two anatomical systems and no more than two procedures per system.
Outpatient limits are annual, per patient, and refill every calendar year. The headline scheme is MediSave500/700: you can draw $500 a year for outpatient chronic-disease treatment, rising to $700 a year if your condition is complex, across the 23 conditions under the Chronic Disease Management Programme. A 15% cash co-payment applies, and that co-payment is waived if you are treated at a clinic you have enrolled with under Healthier SG.
Diagnostic imaging such as CT and MRI scans has its own pool of $600 a year. Outpatient cancer drug treatment draws $600 or $1,200 a month depending on the drug, and cancer scans and services draw $600 a year for a single cancer or $1,200 for multiple primary cancers. Vaccinations and recommended health screenings, including mammograms for women aged 50 and above, sit under the same MediSave500/700 umbrella.
If you are 60 or older, Flexi-MediSave hands you an extra $400 a year that you can spend on outpatient treatment at polyclinics, hospital specialist clinics, and participating GPs, including for the chronic conditions already covered above. From 1 January 2027 the MediSave500/700 scheme will be renamed MediSave Chronic and Preventive Care and the limits raised, so the figures here are the ones that hold for the rest of 2026.
If you are starting a family, the MediSave Maternity Package bundles your delivery limits into one claim. You can draw up to $900 for pre-delivery costs such as prenatal consultations, scans, tests, and medicines, plus a delivery limit of $1,120 to $2,770 depending on the type of delivery. On top of that, the usual inpatient daily caps apply: $1,130 a day for the first two days and $400 a day after. These figures took effect on 1 April 2025.
Couples going through assisted conception can draw $6,000 from MediSave for the first cycle, $5,000 for the second, and $4,000 for the third and later cycles, capped at a lifetime $15,000 per patient. Eligible couples treated at public Assisted Reproduction centres can also receive up to 75% government co-funding. You can pull from your own or your spouse's MediSave, which is the same flexibility that runs through most family-related limits.
MediSave does not only pay for treatment. It also pays health-insurance premiums, and those have their own limits. MediShield Life premiums can be paid in full from MediSave with no annual cap, which is why almost every Singaporean and PR uses it that way. Compare the two layers in our breakdown of an Integrated Shield Plan versus MediShield Life before deciding how much private cover to buy.
If you hold an Integrated Shield Plan, only the private add-on premium is capped, through the Additional Withdrawal Limit (AWL). The AWL is set by age and anything above it must be paid in cash. ElderShield and CareShield Life supplements share a separate $600 limit per insured person per year. One figure worth flagging here: CareShield Life payouts rise to a starting $689 a month in 2026 and grow 4% a year, which is a payout rather than a withdrawal limit but explains why the premium is worth paying from MediSave instead of letting cover lapse.
| Age next birthday | Annual AWL for IP private component |
|---|---|
| 1 to 40 | $300 |
| 41 to 70 | $600 |
| 71 and above | $900 |
Treat every MediSave withdrawal limit as a floor for your own cash planning, not the full cost of care. A C-class inpatient bill in a public hospital often lands inside the daily caps, so MediSave plus MediShield Life can clear it with little cash. A B1 or private bill regularly blows past them, and the gap is yours to fund.
Two habits keep you ahead of the limits. First, keep MediShield Life and, if you have one, your Integrated Shield Plan paid up, because they catch the bill above the caps. Second, build a cash buffer for the day-three-onward shortfall and any AWL gap. If you are weighing how much to set aside, the financial health check gives you a quick read on whether your emergency fund can absorb a hospital stay before insurance reimburses you.
For the self-employed, there is a separate obligation worth knowing: MediSave contributions are compulsory once your net trade income clears $6,000, which we walk through in our self-employed MediSave contribution guide. The more you contribute, the more headroom you have under these limits.
For an inpatient hospital stay you can withdraw up to $1,130 per day for the first two days and $400 per day from the third day onward, covering ward charges, treatment fees, scans and medicines. The surgical procedure itself is reimbursed separately under the Table of Surgical Procedures, between $240 and $5,290 by complexity band.
Yes. You can use your MediSave for an approved dependant such as your spouse, children, parents, and grandparents, subject to the same per-treatment withdrawal limits that apply to your own care. For maternity and assisted-conception claims you can also draw from your spouse's MediSave, which doubles the pool available for those expenses.
MediShield Life premiums can be paid fully from MediSave with no annual cap. For an Integrated Shield Plan, only the additional private component is capped by the Additional Withdrawal Limit, which is $300 a year up to age 40, $600 from 41 to 70, and $900 from 71. ElderShield and CareShield Life supplements share a separate $600 yearly limit.
Under the MediSave500/700 scheme you can draw $500 a year per patient for outpatient treatment of an approved chronic condition, rising to $700 a year for complex conditions, with a 15% cash co-payment that is waived at your enrolled Healthier SG clinic. Singaporeans aged 60 and above get a further $400 a year through Flexi-MediSave.
This is general financial information for Singapore, not personal financial advice. Figures change — verify current rates against the official sources above before acting. See our full disclaimer.