HI CPF Health Schemes — Questions and Answers
Question 1: What is the CPF Medisave contribution rate for employees aged 35 and below?
- 8% of monthly wages
- 9% of monthly wages (employee plus employer total Medisave contribution) (Correct answer)
- 11.5% of monthly wages
- 20% of monthly wages
Correct answer: 9% of monthly wages (employee plus employer total Medisave contribution)
For employees aged 35 and below, the total Medisave contribution (employee plus employer portions combined) is 9% of monthly wages, subject to the Ordinary Wage ceiling and Annual Wage ceiling.
Question 2: What is the 'Medisave Basic Healthcare Sum' (BHS)?
- The minimum balance required in Medisave before making withdrawals
- The maximum balance that can accumulate in Medisave, beyond which excess contributions are transferred to other CPF accounts (Correct answer)
- The amount guaranteed by the government in Medisave
- The minimum sum required for retirement healthcare
Correct answer: The maximum balance that can accumulate in Medisave, beyond which excess contributions are transferred to other CPF accounts
The Basic Healthcare Sum (BHS) is the cap on the Medisave account balance. Once reached, further contributions that would push the balance above BHS are redirected to the Special Account (and Ordinary Account for older members).
Question 3: What medical expenses can Medisave NOT be used for in Singapore?
- Hospitalisation expenses
- Approved outpatient treatments for chronic diseases
- Cosmetic procedures and general outpatient GP visits for non-approved conditions (Correct answer)
- MediShield Life premiums
Correct answer: Cosmetic procedures and general outpatient GP visits for non-approved conditions
Medisave cannot be used for cosmetic procedures, routine general outpatient GP visits for non-chronic conditions, or other non-approved expenses. It is reserved for hospitalisation, approved outpatient chronic disease management, and approved insurance premiums.
Question 4: What is the 'Medisave top-up' scheme for Pioneer and Merdeka Generation members?
- A one-time payment by employers to Pioneer Generation workers
- Annual government top-ups to the Medisave accounts of eligible Pioneer and Merdeka Generation Singaporeans to help them meet healthcare costs (Correct answer)
- A premium discount on MediShield Life for eligible members
- A loan scheme for elderly Singaporeans' medical expenses
Correct answer: Annual government top-ups to the Medisave accounts of eligible Pioneer and Merdeka Generation Singaporeans to help them meet healthcare costs
The Singapore government provides annual Medisave top-ups to eligible Pioneer Generation (PG) and Merdeka Generation (MG) members as part of their respective packages, helping these seniors manage their healthcare financing needs.
Question 5: How can Medisave be used for family members in Singapore?
- Medisave can only be used for the account holder
- Medisave can be used for immediate family members (spouse, children, parents, grandparents, siblings) for approved medical expenses (Correct answer)
- Medisave can be used for anyone the account holder wishes
- Medisave can only be used for the account holder and spouse
Correct answer: Medisave can be used for immediate family members (spouse, children, parents, grandparents, siblings) for approved medical expenses
Medisave can be used for the account holder's own expenses and for those of immediate family members — spouse, children, parents, grandparents, and siblings — for approved medical expenses, broadening the utility of the savings.
Question 6: What is 'Medisave for Approved Outpatient Treatments' (MOT) and what conditions does it cover?
- Medisave can be used for all outpatient treatments without restriction
- MOT allows Medisave to be used for specific approved outpatient treatments including chronic disease management, certain vaccinations, health screenings, and approved scans — not unlimited outpatient use (Correct answer)
- MOT covers all specialist outpatient visits
- MOT is a private insurance product, not a CPF scheme
Correct answer: MOT allows Medisave to be used for specific approved outpatient treatments including chronic disease management, certain vaccinations, health screenings, and approved scans — not unlimited outpatient use
The Medisave for Approved Outpatient Treatments scheme allows use of Medisave for specific approved categories including the Chronic Disease Management Programme (CDMP), certain vaccinations, health screenings, and approved outpatient treatments, subject to withdrawal limits.
HI CPF Health Schemes
What is the CPF Medisave contribution rate for employees aged 35 and below?