FAQs on Financial Matters

  • Q1. I would like to know more about the Community Health Assist Scheme(CHAS). How does this scheme benefit patients?

    The Community Health Assist Scheme (CHAS), formerly known as the Primary Care Partnership Scheme (PCPS), is one of the Ministry of Health (MOH)’s programmes to help provide accessible and affordable primary care to Singaporeans.

    Under CHAS, patients receive subsidised outpatient medical treatments for acute and chronic conditions as well as basic dental services at General Practitioners (GPs) and dental clinics near their homes. These patients will also enjoy subsidised referrals to specialist outpatient clinics when required.

    For patients with chronic conditions, CHAS works in conjunction with the Chronic Disease Management Programme (CDMP) allowing Medisave usage for the outpatient treatment (of the same set of chronic conditions) covered under CHAS. Besides enjoying subsidies for their chronic disease treatments, the patient could also tap into their Medisave to defray part of the cost of these treatments. The Medisave withdrawal limit is $400 per Medisave account, per year.

    From January 2012, the qualifying age for CHAS is 40 years old, lowered from the previous age of 65 years old. The qualifying income criteria is $1,500 per capita monthly household income, raised from the previous $800. For instance, a family of four with a monthly household income of $4500 (resulting in a per capita monthly household income of $1,125) will qualify for the CHAS.

    For more information on the CHAS, please click here 

    For the most updated list of GPs under this scheme, please click here 

  • Q2. What are the services that are covered under CSC (Civil Service Card) benefits?

    A majority of the primary medical services are covered under Civil Service Medical Benefit scheme. Patients consuming non-subsidised services need to pay upfront using cash or other modes of payment.

    Please click here for the list of items not subsidised under this scheme.

    Please note that only pensioners who are covered under the 1957 to 1993 CSC scheme are entitled to dental claims. You may check with your employer to understand more about your medical entitlement.


  • Q3. Can I use CSC to cover costs for my travel vaccination?

    No. Your CSC card does not cover travel vaccination. You will need to pay your bills by other modes of payment.

  • Q4. Can I use my CSC benefits for subsidised dental treatments at your polyclinics? How do I make claims for these benefits?

    CSC card holders under the 1957 to 1993 CSC scheme will be entitled to claim benefits for selected subsidised dental treatments. Please check with your organisation on the types of subsidised dental treatments that you can claim CSC card benefits for. If you are claiming the CSC dental benefits, you will have to make upfront payment at our dental clinic and then seek reimbursement from your company.

  • Q5. What are the medical conditions/services claimable under Medisave?

    1) Chronic conditions of patients diagnosed and seeking treatment at NHGP:

    a) Chronic medical conditions attended to in NHGP and claimable under Medisave include the following:

    • Diabetes Mellitus
    • Hypertension
    • Lipid disorders
    • Stroke
    • Asthma
    • Chronic Obstructive Pulmonary Disease
    • Schizophrenia
    • Major depression
    • Dementia

    To help Singaporeans better afford treatments of chronic conditions and improve the quality of care, another five conditions were added to CDMP from 1 Jan 2014.

    The five conditions are:

    • Osteoarthritis
    • Benign Prostatic Hyperplasia
    • Anxiety
    • Parkinson’s Disease
    • Nephritis/Nephrosis

    b) Approved services claimable under Medisave for chronic patients include:

    • Consultation
    • Medication and Laboratory tests that are related to the chronic disease that the patient is suffering from

    2) Vaccinations

    You can use Medisave for the following outpatient treatments:

    • Hepatitis B vaccination
    • Pneumococcal vaccination
    • Human Papilloma Virus (HPV) – For patients who are 9 years old and above, up to 27 years old.

    To encourage the very young, the elderly, persons with chronic medical conditions or are immunocompromised, which are considered high risk groups, to take these recommended vaccinations, MOH will allow these groups to use Medisave for the pneumococcal (PPSV23) and influenza vaccinations from 1 Jan 2014.

    You may click here to download the Medisave Application Forms for both Chronic Diseases and Outpatient Treatments.

  • Q6. How much can I claim from Medisave for each of my chronic treatment/visit? (w.e.f. 30 June 2015)

    There is a withdrawal limit from your Medisave account for payment of outpatient treatments of approved chronic diseases. You are entitled to withdraw S$400 per Medisave account a year. For each bill you are required to co-pay 15% of the balance.

    E.g. on a bill of S$100, you will pay S$15.00 (15% of S$100) and use Medisave to settle the balance of S$85.00

    You may also use the Medisave accounts of your immediate family members* to pay for your outpatient treatments, up to a limit of S$400 per Medisave account, per calendar year, up to 10 Medisave accounts in 1 claim.

    *Immediate family member refers to your spouse, child, or parent. Grandparents who are citizens or permanent residents of Singapore may use the Medisave of their grandchildren as well.

  • Q7. Can I use any of my family members' Medisave to pay my polyclinic bills?

    Yes. You can use your immediate family members’* Medisave.

    • *Immediate family members’ refer to parents / children / spouse / grandchildren. Grandchildren cannot use the Medisave of grandparents to pay for their medical bills. The grandparent who is using the Medisave of his grandchild must be a Singapore citizen or a permanent resident.
    • Using of grandparents’ Medisave to pay for grandchildren’s medical bills is strictly not allowed.
  • Q8. Can I use Medisave or Child Development Account (CDA) to pay outstanding bills?

    Currently, we are unable to process the usage of Medisave for outstanding bills. We will be making improvements to our system to meet this demand of allowing patients to settle their outstanding bills using Medisave.

    You may utilise your child’s CDA to pay for your outstanding bills or use other modes of payment such as cash or NETS.

  • Q9. I would like to know more about the usage of Baby Bonus in polyclinics.

    You may use the savings in your child’s Child Development Account (CDA) to pay fees for your child who are attending approved institutions registered with MCYS under the Baby Bonus Scheme. National Healthcare Group Polyclinics (NHGP) is registered as one of the approved institutions. All expenses incurred in NHGP under your child’s name can be settled using the funds in your child’s CDA. All you need to present is your child CDA-NETS card.

    The funds in your child’s CDA can also be used to pay his / her siblings’ medical bills in NHGP. Under MCYS requirement, we will need to verify the sibling relationship between your children. Thus, there is a need to bring your children’s birth certificates and your NRIC.

    For more information, you may check with the following agencies/organisations:

    Baby Bonus & Adoption Branch
    1800 253 7707
    Website http://www.babybonus.gov.sg
    Tel (+65)6253 7707
    Email mcys_babybonus@mcys.gov.sg
    Operating Hour                        
    Monday to Friday:8:30am-5.45pm

    Ministry of Community Development,Youth and Sports          

    Family Services Division Baby Bonus & Adoption Branch         
    512A Thomson Road SLF Podium                                              
    #02-01/09 Singapore 298137                                                                                                                                                           Office opening hours:                                                                      
     -8.30am-5.00pm(Fri)*                                                                       *Closed during lunch hour from 12.30pm to 1.30pm                                                     

    Banks' CDA Products & Baby Bonus Cards
    OCBC Bank
    1800 438 6088
    Website http://www.ocbc.com/babybonus
    Standard Chartered Bank
     1800 747 7000
    Website http://www.standardchartered.com.sg
    Baby Bonus NETS Service
    Sales&Customer Service Centre
    (+65)6274 1212
    Operating Hours  
    Monday till Saturday: 9.00am to 7.00pm                                     
    Sunday&Public Holiday:10.00am to 7.00pm