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​Financial Counselling



You can use Medisave to pay your hospital bill as well as that of your immediate family, i.e. your spouse, children, parents or grandparents. If you are using your Medisave for your grandparents, they must be Singapore Citizens or Permanent Residents. 

During admission, you should inform the Admissions staff of your intent to use your Medisave to pay. You should also bring along your NRIC/Passport or your CPF membership card. You will also need to sign a Medisave Authorisation Form authorising the CPF Board to deduct from your Medisave Account to pay for the hospital bill.

Medishield Life

Medishield Life is a basic health insurance plan that protects all Singapore Citizens and Permanent Residents against large hospital bills for life, regardless of age or health condition. Medishield Life will cover Community Hospital stay upon referral from a hospital after an inpatient admission or from a public hospital's emergency department for further medical treatment. 

The payouts will be computed based on scheme parameters such as claim limit of $350 daily (total claims of S$100,000 per policy year), deductibles and co-insurance.  The remaining amount which is not covered by Medishield Life may then be settled by using Medisave and/or cash.

Private Medisave-approved Integrated Shield plans (PMI)
Private Medical Insurance is a scheme which allows CPF members to use their Medisave savings to buy Medisave-approved Integrated Shield Plans for themselves and their dependants. Dependants refer to a member's parents, spouse, children and grandparents. Premiums can be paid from your Medisave account, with a limit of S$800 per annum per person, or S$1150 for those above 80 years old. 

Each insured person can only have one Medisave-approved Integrated Shield Plan paid with Medisave. Click here for the list of private insurers.

You may visit the Ministry of Health's website for more information on the various schemes and subsidies:


Financial Assistance 
We will refer you to our Medical Social Workers for further assessment on your eligibility if you require financial assistance. Your request will be kept strictly confidential. The amount of help given will vary, depending on multiple factors such as the bill size and the financial circumstances of the patient and his family.

The following options will be explored:

  • Downgrading of subsidised class status
  • Medifund, an endowment fund set up by the Government to help needy Singaporeans who have difficulty paying for their subsidised medical expenses even after insurance and Medisave
  • Other government assistance schemes such as Medication Assistance Fund
  • Appeals to the various endowment funds

For details about various healthcare financing schemes and subsidies available in Singapore, please visit MOH Healthcare Schemes & Subsidies.