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A clinic consultation, an eye check and a medication refill may seem small on their own, but repeat visits add up over a year, and most of them are paid in cash.
MediSave is mainly used for hospital stays, day surgery and treatment of approved chronic conditions under the Chronic Disease Management Programme (CDMP). Everyday outpatient visits, such as a GP consultation for a cough or fever, are generally not covered.
Flexi-MediSave lets seniors use some of their MediSave savings to pay for these outpatient visits. It will not cover every bill, and it does not work at every clinic, so it helps to know the rules before you go to the counter.
This guide explains who can use Flexi-MediSave, how much you can use each year, what it covers, and how much you may still need to pay yourself.
What is Flexi-MediSave, and how does it work?
Flexi-MediSave is a MediSave scheme for Singaporeans aged 60 and above. It lets you use your MediSave for outpatient treatment, up to $400 each year.
Most MediSave withdrawals are tied to specific needs, such as hospital stays, surgery, approved chronic conditions or certain scans. Flexi-MediSave works differently. It is not limited to one condition or treatment type. If you are eligible, you can use it for general outpatient treatment at the following approved places of care: polyclinics, public hospital Specialist Outpatient Clinics and general practitioner (GP) clinics participating in the Community Health Assist Scheme (CHAS).
Flexi-MediSave is also separate from other MediSave outpatient limits. If you already use MediSave under the Chronic Disease Management Programme (CDMP) for a condition such as diabetes or high blood pressure, Flexi-MediSave is an extra allowance on top of that limit.
Who is eligible for Flexi-MediSave?
CPF’s current eligibility guidance covers members aged 60 and above. Eligible patients may use their own MediSave or the MediSave of a spouse who also meets the age requirement. Treatment must fall within the scheme’s permitted uses and healthcare settings.
Age requirements for the patient and spouse
The patient must be aged 60 or above. If you are below 60, you cannot use Flexi-MediSave, even if you have frequent outpatient visits.
You can pay with your own MediSave. If your MediSave balance is not enough, you may also use your spouse’s MediSave, but your spouse must be aged 60 or above too.
Can children use their MediSave for a parent’s Flexi-MediSave bill?
No. Flexi-MediSave can only be paid from the patient’s own MediSave or their spouse’s MediSave, if the spouse is also aged 60 or above. Adult children cannot use their MediSave to pay for a parent’s Flexi-MediSave bill.
This is different from some other MediSave uses. For example, children may be able to use their MediSave for an approved dependant’s hospitalisation or day surgery bill, subject to MediSave withdrawal limits and the hospital’s claim process. If you are helping a parent with outpatient costs, check which scheme the bill falls under before assuming that your MediSave can be used.
How much Flexi-MediSave can you use each year?
You can use up to an additional $400 per patient per calendar year under Flexi-MediSave. This limit increased from $300 on 1 October 2025. The $400 is additional to the withdrawal limits available under other eligible outpatient MediSave schemes, such as the Chronic Disease Management Programme (CDMP). It is not your total annual MediSave limit for outpatient care.
The $400 applies across all your Flexi-MediSave claims for the year, not to each visit. Once you reach this limit, you cannot use Flexi-MediSave again until the next calendar year. However, you may still use MediSave under another outpatient scheme if the treatment qualifies and you have not reached that scheme’s applicable withdrawal limit. Otherwise, you will need to pay the remaining bill another way.
Using your spouse’s MediSave does not increase your Flexi-MediSave allowance. The $400 limit applies to each patient, regardless of whose account is used.
A simple example of the annual limit
Mr Tan is 67 years old. During the year, his outpatient bills after subsidies are:
By September, Mr Tan had reached his $400 limit. He pays the rest in cash, or with another scheme if the visit qualifies (for example, CDMP for a chronic condition). In January, his $400 allowance starts again.
This is a simplified example. Actual bills and how much MediSave can be deducted depend on the clinic and treatment.
What treatments and expenses can Flexi-MediSave cover?
At eligible healthcare settings, Flexi-MediSave can help cover outpatient treatment costs such as:
- Consultation fees
- Tests and medicines
- Other services, such as physiotherapy, ordered by a doctor to diagnose or treat a medical condition
- Selected restorative dental procedures
- Screening tests including recommended screenings for selected chronic diseases and cancers
The purpose of the service matters. A test, treatment, or therapy should not be assumed to be claimable simply because a clinic offers it; it must be part of outpatient medical care and meet the scheme’s conditions.
Can you use Flexi-MediSave for dental treatment?
Discuss your dental treatment and payment options with the clinic before proceeding.
Yes, for selected restorative procedures. Current CPF guidance states that patients aged 60 or above may use their available Flexi-MediSave withdrawal allowance for selected dental procedures, including permanent crowns and root canal treatments.
To qualify:
- Treatment must take place at a dental clinic participating in CHAS or at a public healthcare institution.
- The provider must also be approved to process MediSave/Flexi-MediSave claims.
Before starting treatment, ask the clinic to confirm that your procedure qualifies, which related charges can be claimed under Flexi-MediSave, and whether it can submit the claim.
Where can you use Flexi-MediSave in Singapore?
The published settings for outpatient medical treatment are:
- Polyclinics
- Public hospital Specialist Outpatient Clinics, often called SOCs
- GP clinics participating in the Community Health Assist Scheme, or CHAS
For covered dental procedures, MOH also identifies CHAS dental clinics and public healthcare institutions. During the dental accreditation transition, confirm that the particular clinic and practitioner are ready to process your claim.
Does Flexi-MediSave cover private specialist consultations?
No. Flexi-MediSave covers outpatient specialist care at public hospital Specialist Outpatient Clinics (SOCs), not at standalone private specialist clinics.
If you see a private specialist, you need to pay through other means, such as cash, insurance, or an employer health plan. In some cases, another MediSave scheme may apply, for example, for approved chronic disease treatment or certain procedures, but this depends on the treatment, withdrawal limits, and whether the clinic is MediSave-accredited.
Do not assume a private specialist consultation qualifies for Flexi-MediSave simply because the clinic accepts MediSave for other services.
If you are weighing a private specialist against a public SOC, the cost gap is the part worth checking first. WhatsApp our Care Team with what has been recommended and your insurer, and we will explain what your insurance is likely to cover and what you would pay. It costs you nothing.
Are there any medical expenses that Flexi-MediSave cannot be used for?
CPF’s current exclusions include:
- Treatments for non-medical, cosmetic or lifestyle purposes, including hair loss, slimming and erectile dysfunction.
- Retail pharmacy purchases, such as skincare products.
- Non-medical charges, such as administrative fees.
- Admissions to Accident and Emergency departments.
- Cancer drug treatments using drugs that are not on the Cancer Drug List.
Also check whether the following are covered:
- Dental care: Only selected procedures qualify, including permanent crowns and root canal treatment. Do not assume all dental treatments are covered.
- Physiotherapy: It must be ordered by your doctor to diagnose or treat a medical condition and received at an eligible setting.
- Hospital stays and day surgery: These fall outside Flexi-MediSave, although other MediSave rules may apply.
- Private clinic visits: For GP care, check that the clinic participates in CHAS. Not every private clinic is eligible.
How do you use Flexi-MediSave at your appointment?
Let the clinic know you would like to use Flexi-MediSave when arranging payment.
CPF sets out the following process:
- Tell the clinic you want to use Flexi-MediSave to pay for your outpatient treatment. Bring your NRIC or passport. If you are using your MediSave to pay for your spouse, bring their identification too.
- Have your MediSave information ready. The clinic may ask how much MediSave is available for your treatment. You can check this by logging in to your Healthcare dashboard through my cpf digital services with Singpass.
- Sign the Medical Claims Authorisation Form. The MediSave account holder and the patient, where applicable, must sign to allow the clinic to deduct payment from MediSave.
- Tell the clinic if your employer or insurer is also paying. If the clinic has an existing payment arrangement with them, bring the relevant Letter of Guarantee or Employer Identity Pass.
Before leaving, ask the clinic to confirm how much will be deducted from MediSave and whether you have any remaining amount to pay.
Source: CPF: How do I go about using my flexi-MediSave?
How much will you still need to pay?
Flexi-MediSave provides an additional $400 per year on top of the withdrawal limits available under other eligible outpatient MediSave schemes. How much you still need to pay depends on your bill, the schemes your treatment qualifies for, your remaining withdrawal limits and your available MediSave savings.
- Any remaining bill after using Flexi-MediSave and any other applicable MediSave scheme, subject to their respective withdrawal limits.
- Charges that are not covered, such as administrative fees or retail skincare purchases.
- Bills at clinics that don’t accept Flexi-MediSave, unless the treatment qualifies for another MediSave scheme or is covered by your insurance.
- Any shortfall if you do not have enough MediSave savings.
If you have a long-term condition, check whether your treatment also qualifies under the Chronic Disease Management Programme (CDMP). Eligible patients can use both schemes in the same year, which may reduce how much they need to pay in cash.
What should you check before using Flexi-Medisave?
Before booking, check the following:
- Age: The patient must be aged 60 or above. If using a spouse’s MediSave, the spouse must also be at least 60.
- Payment account: Decide whether to use the patient’s MediSave or an eligible spouse’s account.
- Available allowance: Check how much of the patient’s $400 annual Flexi-MediSave allowance remains.
- MediSave balance: Check whether the chosen account has enough savings for the planned payment.
Then ask the clinic:
- How much of MediSave can be used to cover this treatment?
- Check with the clinic whether any items on your bill can’t be paid with MediSave
- How much will we need to pay after applicable subsidies and MediSave deductions?
- Whose NRIC or passport is needed, and what authorisation must be completed?
If you are helping a parent, you can arrange their appointment, but you cannot use your own MediSave under Flexi-MediSave to pay their bill. Payment must come from their account or an eligible spouse’s account.
If a referral comes next
Flexi-MediSave covers the smaller outpatient bills. The harder question usually arrives later, when a polyclinic or SOC review leads to a specialist referral and you are suddenly choosing a doctor and facing a bill that MediSave only partly covers.
That is where our Care Team can help. Tell us what has been recommended, and we will send you one to three specialists matched to your situation, each with a reason, explain what your insurance is likely to cover and what you would pay out of pocket, and arrange the appointment once you choose.
The matching costs you nothing, and the specialist’s fee is the same as booking directly. If you are helping a parent, you can message us on their behalf.
Not sure what your plan covers?
Send us your plan details and we'll check what your plan covers, what it doesn't, and where you may be out of pocket.
Frequently asked questions
Yes, provided both you and your spouse are aged 60 or above. The $400 annual Flexi-MediSave limit applies per patient, not per account. Using your spouse’s MediSave does not increase your limit: you can use only your remaining allowance for the year, subject to treatment eligibility, available savings and the required authorisation.
No. The current published $400 annual limit applies per patient, not per account. Combining your own and your spouse’s MediSave does not double it
You must authorise the use of MediSave through a Medical Claims Authorisation Form. If you are using your spouse’s savings, their authorisation is also required. Ask the clinic whether an existing authorisation applies or you need to complete a new form.
How we reviewed this article:
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