What procedures or treatments can MediSave be used for overseas?

MediSave may be used for medically necessary hospitalisation for eligible medical or surgical treatment, as well as eligible day surgery procedures, subject to prevailing MediSave requirements and withdrawal limits. Examples of procedures that may be eligible include: Childbirth and maternity hospitalisation, including vaginal and caesarean delivery Cataract surgery Colonoscopy, including procedures involving the removal of polyps Appendix removal (appendicectomy) Gallbladder removal (cholecystectomy) Hernia repair Knee or hip procedures, including arthroscopy and joint replacement Selected gynaecological procedures, such as ovarian cyst removal and hysteroscopic procedures Prostate biopsy and selected urological procedures Tonsil removal Selected breast procedures, including biopsy or removal of a breast lump Eligibility depends on the proposed treatment, whether it meets the requirements for overseas MediSave use and the required HMI referral process. Standalone outpatient consultations and treatments are not covered under the overseas arrangement. As eligibility varies by treatment or procedure, our HMI Patient Service Centre in Singapore can help you check whether MediSave may be used for the care you are considering at Regency Specialist Hospital or Mahkota Medical Centre, and explain the applicable withdrawal limits and estimated costs before you proceed. Please note that approval of any MediSave claim(s) is subject to the Ministry of Health Singapore. Learn more at https://www.moh.gov.sg/healthcare-schemes-subsidies/medisave

Who is eligible to use MediSave for overseas treatment?

The patient must be a Singapore Citizen or Permanent Resident and meet the prevailing CPF requirements for overseas MediSave use. Our HMI Patient Service Centre can help you understand the requirements for the treatment you are considering.

How much MediSave can I use for treatment in Malaysia?

The amount that may be used depends on the treatment or surgical procedure, applicable MediSave withdrawal limits and the available balance in the MediSave Account. Our team at Regency Specialist Hospital , or Mahkota Medical Centre can help explain the applicable limit and estimated treatment cost before you proceed.

What is the maximum limit for my MediSave expenditure in Malaysia?

You are able to spend the same MediSave limit as that in Singapore, subjected to the types of treatments and/or surgical procedures required. Generally, MediSave covers up to SGD550 per day for the first two days and SGD400 per day from the third day onwards for inpatient hospitalisation and/or a fixed maximum limit per table of surgical procedures. The latter varies between SGD250 and SGD7,550, depending on the specific types of procedures selected. Due to the limitations on the usage of Medisave overseas, only medically necessary surgery/procedure accompanied by at least 3 to 8 hours of hospitalisation are admissible for Medisave claim overseas The MediSave withdrawal for surgical procedures is subject to a maximum of 3 surgical procedures, involving not more than 2 anatomical systems and not more than 2 procedures within each system. Anatomical system refers to the body system.

Can I use MediShield Life for treatment in Malaysia?

No. MediShield Life does not cover overseas medical treatment. MediSave use for eligible overseas hospitalisation and day surgery operates separately and remains subject to prevailing MediSave requirements.

Which HMI Medical hospitals in Malaysia can I use MediSave at?

MediSave may be used for eligible treatment at two HMI Medical hospitals in Malaysia: Regency Specialist Hospital in Johor Bahru Mahkota Medical Centre in Melaka Both hospitals have participated in Singapore's overseas MediSave arrangement since it commenced on 1 March 2010.

What treatments can MediSave be used for in Malaysia?

MediSave may be used for eligible elective hospitalisation and day surgery procedures at Mahkota Medical Centre and Regency Specialist Hospital. Whether MediSave may be used, and the amount available, depends on factors including: the treatment or surgical procedure applicable MediSave withdrawal limits the patient's available MediSave balance whether the required referral and other conditions are met Examples of procedures that may be eligible include: Childbirth and maternity hospitalisation, including vaginal and caesarean delivery Cataract surgery Colonoscopy, including procedures involving the removal of polyps Appendix removal (appendicectomy) Gallbladder removal (cholecystectomy) Hernia repair Knee or hip procedures, including arthroscopy and joint replacement Selected gynaecological procedures, such as ovarian cyst removal and hysteroscopic procedures Prostate biopsy and selected urological procedures Tonsil removal Selected breast procedures, including biopsy or removal of a breast lump Eligibility depends on the proposed treatment, whether it meets the requirements for overseas MediSave use and the required HMI referral process. Standalone outpatient consultations and treatments are not covered under the overseas arrangement. As eligibility varies by treatment or procedure, our HMI Patient Service Centre in Singapore can help you check whether MediSave may be used for the care you are considering at Regency Specialist Hospital or Mahkota Medical Centre, and explain the applicable withdrawal limits and estimated costs before you proceed. Please note that approval of any MediSave claim(s) is subject to the Ministry of Health Singapore. Learn more at https://www.moh.gov.sg/healthcare-schemes-subsidies/medisave

What other costs should I consider when planning treatment in Malaysia?

When considering treatment at Regency Specialist Hospital in Johor Bahru, or Mahkota Medical Centre in Melaka, it is helpful to look at the total cost of your treatment journey, not only the hospital bill. In addition to your estimated medical costs, you may need to budget for: travel between Singapore and Malaysia accommodation before or after treatment, if required meals and other personal expenses travel or accommodation for a family member or caregiver follow-up visits or additional treatment that may be required Whether you need to stay in Malaysia, and for how long, will depend on your procedure, recovery needs and your doctor's advice. MediSave may be used for eligible hospitalisation and day surgery expenses, subject to prevailing requirements and withdrawal limits. Travel, hotel accommodation and other personal expenses outside your medical treatment should be budgeted separately. Our HMI Patient Service Centre can help you understand the estimated treatment cost and what is included before you proceed, so you can consider the overall cost of receiving treatment in Malaysia. Mahkota also provides support for international patients, including selected transport services, while Regency's international patient team can assist with travel arrangements. Availability and any applicable charges should be confirmed when planning your visit.

Can MediSave be used for outpatient treatment in Malaysia?

No, outpatient treatment is not covered under the overseas MediSave arrangement. The arrangement applies to eligible hospitalisation and day surgery.

Do I need a referral to use MediSave for overseas treatment?

Yes. To use MediSave for eligible overseas treatment at Regency Specialist Hospital in Johor Bahru or Mahkota Medical Centre in Melaka , patients must obtain the required referral through HMI in Singapore. Our HMI Patient Service Centre can guide you through this process.

What is the process for using MediSave for treatment at Regency Specialist Hospital or Mahkota Medical Centre?

1. Contact HMI Patient Service Centre in Singapore Start by speaking to our HMI Patient Service Centre about the treatment you are considering. Our patient service consultant can guide you on the MediSave process and help arrange an appointment with the appropriate specialist at Mahkota Medical Centre or Regency Specialist Hospital. Call +65 6322 6333 or WhatsApp +65 9182 1602. 2. Consult a specialist doctor at Mahkota or Regency Attend your specialist consultation in Malaysia. If treatment is recommended, the hospital will provide the required information about your proposed treatment, including diagnosis, name of surgery or procedure, relevant surgery code, estimated treatment cost and estimated length of hospital stay. 3. Complete your HMI referral and financial counselling Once you have the required treatment information, the HMI Patient Service Centre will arrange your financial counselling appointment in Singapore. During the appointment, our team will explain the administrative process for using MediSave overseas, provide financial counselling on your estimated hospital bill and MediSave claim amount, arrange the required referral from the HMI PSC doctor, guide you through the Financial Counselling Form, and advise you on the required treatment deposit. 4. Receive treatment in Malaysia Proceed with your planned hospitalisation or day surgery at Regency Specialist Hospital in Johor Bahru, or Mahkota Medical Centre in Melaka. 5. Get help with your MediSave submission After discharge, the HMI Patient Service Centre will assist with the necessary MediSave submission. Final MediSave usage and claim approval remain subject to prevailing CPF Board and Ministry of Health requirements.

Medical travel

Using MediSave in Malaysia for eligible treatments

Q: Can I use a family member's MediSave in Malaysia?

You may be able to use your own or an eligible immediate family member's MediSave for overseas elective treatment, including at Regency Specialist Hospital in Johor Bahru, and Mahkota Medical Centre in Melaka, subject to prevailing CPF requirements and withdrawal limits. View current eligibility requirements on the CPF Board website

Singapore Citizens and Permanent Residents may use MediSave for eligible elective hospitalisation and day surgery at approved hospitals in Malaysia, subject to prevailing MediSave requirements and withdrawal limits.

WhatsApp Patient Service Centre See how it works

Patient consulting a specialist at a HMI Medical hospital in Malaysia

WHAT YOU NEED TO KNOW

Your guide to using MediSave at hospitals in Malaysia

Since 1 March 2010, HMI Medical has supported Singapore patients who wish to use MediSave for eligible treatment at:

Regency Specialist Hospital

Johor Bahru

Mahkota Medical Centre

Melaka

Both hospitals are part of HMI Medical, and have participated in Singapore's overseas MediSave arrangement since it began. Our HMI team in Singapore can guide you through the required referral, treatment arrangements and MediSave process.

APPROVED FOR MEDISAVE

Both hospitals are approved by the Ministry of Health, Singapore, for the use of MediSave. MediShield Life is not available for treatment at overseas hospitals.

HMI PATIENT SERVICE CENTRE

12 Farrer Park Station Road, #05-01, Singapore 217565

Call +65 6322 6333

WhatsApp +65 9182 1602

psc@hmimedical.com

FOUR STEPS

How the process works

The referral and MediSave process is the same at both Regency Specialist Hospital and Mahkota Medical Centre. Your consultation and treatment take place at the hospital in Malaysia; the MediSave steps are handled by HMI Patient Service Centre in Singapore.

AT THE HOSPITAL

Schedule a specialist consultation

Make an appointment to consult a specialist at Regency Specialist Hospital or Mahkota Medical Centre. Transport from Singapore can be arranged on request. If you would like help arranging the appointment, contact HMI Patient Service Centre on +65 6322 6333 or WhatsApp +65 9182 1602.

AT THE HOSPITAL

Receive your referral letter

Following the consultation, the hospital issues a referral letter. It sets out:

Patient name and IC or passport
Diagnosis, signs and symptoms, and relevant medical history
Singapore TOSP code for the planned procedure
Total estimated cost
Duration of hospitalisation
Proposed date of surgery or admission

IN SINGAPORE

Visit HMI Patient Service Centre

By appointment only

Bring your referral letter and make an appointment with a patient services consultant at HMI Patient Service Centre to:

Obtain a briefing on the administrative procedure and financial information
Obtain financial consultation on the estimated bill size and MediSave claim amount
Confirm MediSave eligibility and consult the doctor for MediSave endorsement
Sign the Financial Counselling (FC) form
Place a deposit — the amount depends on the surgery cost and the estimated MediSave withdrawal limit

Appointments are required. Please call +65 6322 6333 or WhatsApp +65 9182 1602 in advance, and bring your referral letter with you.

AT THE HOSPITAL

Proceed with treatment

Return to the hospital for your scheduled treatment. No further deposit is required on the day of admission. After discharge, the patient services consultant at HMI Patient Service Centre will assist with the necessary MediSave submissions.

Important notes

Approval of any MediSave claim is subject to the Ministry of Health, Singapore.
Singapore Citizens, Permanent Residents and Long Term Visit Pass holders may use MediSave at MediSave-accredited hospitals. MediShield Life is not available for overseas hospitals.
New patients should consult a specialist at the hospital first to obtain the referral letter before contacting HMI.

Speak to us before you travel

HMI Patient Service Centre @ HMI Medical Centre 12 Farrer Park Station Road, #05-01, Singapore 217565

Mon–Fri 8.00am–5.00pm (closed 12.30pm–2.00pm)

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COMMON QUESTIONS

MediSave questions, answered

Yes. Singapore Citizens and Permanent Residents may use MediSave for eligible overseas elective treatment at accredited hospitals in Malaysia, including Regency Specialist Hospital in Johor Bahru, and Mahkota Medical Centre in Melaka, subject to prevailing requirements and applicable MediSave withdrawal limits.

Check the latest CPF requirements for overseas MediSave use →