HI CPF Health Schemes

Question 1

What is the CPF Medisave contribution rate for employees aged 35 and below?

Accepted Answer

9% of monthly wages (employee plus employer total Medisave contribution)

Answer

8% of monthly wages

Answer

11.5% of monthly wages

Answer

20% of monthly wages

Question 2

What is the 'Medisave Basic Healthcare Sum' (BHS)?

Accepted Answer

The maximum balance that can accumulate in Medisave, beyond which excess contributions are transferred to other CPF accounts

Answer

The minimum balance required in Medisave before making withdrawals

Answer

The amount guaranteed by the government in Medisave

Answer

The minimum sum required for retirement healthcare

Question 3

What medical expenses can Medisave NOT be used for in Singapore?

Accepted Answer

Cosmetic procedures and general outpatient GP visits for non-approved conditions

Answer

Hospitalisation expenses

Answer

Approved outpatient treatments for chronic diseases

Answer

MediShield Life premiums

Question 4

What is the 'Medisave top-up' scheme for Pioneer and Merdeka Generation members?

Accepted Answer

Annual government top-ups to the Medisave accounts of eligible Pioneer and Merdeka Generation Singaporeans to help them meet healthcare costs

Answer

A one-time payment by employers to Pioneer Generation workers

Answer

A premium discount on MediShield Life for eligible members

Answer

A loan scheme for elderly Singaporeans' medical expenses

Question 5

How can Medisave be used for family members in Singapore?

Accepted Answer

Medisave can be used for immediate family members (spouse, children, parents, grandparents, siblings) for approved medical expenses

Answer

Medisave can only be used for the account holder

Answer

Medisave can be used for anyone the account holder wishes

Answer

Medisave can only be used for the account holder and spouse

Question 6

What is 'Medisave for Approved Outpatient Treatments' (MOT) and what conditions does it cover?

Accepted 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

Answer

Medisave can be used for all outpatient treatments without restriction

Answer

MOT covers all specialist outpatient visits

Answer

MOT is a private insurance product, not a CPF scheme