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Introduction to MediSave Care

MediSave Care is a long-term care scheme that was launched on 1 October 2020. It allows Singapore Citizens or Permanent Residents aged 30 and above who are severely disabled to make monthly cash withdrawals up to a total of $200 per month from their own and/or their spouse’s MediSave Accounts for their long-term care needs.

MediSave Withdrawal Details

A minimum of $5,000 will need to be set aside in an individual’s MediSave Account to ensure sufficient MediSave for other medical expenses such as MediShield Life premiums or hospitalisations, and cannot be withdrawn. Individuals who have insufficient MediSave balances can choose to tap on their spouse’s MediSave to supplement the withdrawal, up to $200 per month for each severely disabled individual. For example, if withdrawal amount from the severely disabled individual’s MediSave is $100, the withdrawal amount from his/her spouse’s MediSave will be up to $100.


Withdrawal amounts are dependent on the care recipient and/or their spouse’s MediSave Account balance as shown in the table below:


MediSave Balance1
Monthly Withdrawal Quantum
$20,000 and above$200
$15,000 and above$150
$10,000 and above$100
$5,000 and above$50
Below $5,000NIL

1MediSave balance at point of monthly withdrawal


How to Apply

After the Application Submitted

AIC will take about 1 month to process your application. We will inform you of the outcome in writing. If your claim is successful, payouts will be made to the nominated bank account in the following month, which may include payouts from the month the application was submitted.

AIC will continue to deposit the payout in the nominated bank account by the end of every month as long as the care recipient remains eligible.

Please contact AIC at 1800-650-6060 if you require any assistance.





Video Guide on eFASS Application Portal

 

After the application is submitted

We are currently experiencing a high volume of applications. During this period, we may take up to 1 month to process your online application. We will inform you of the outcome in writing. If your application is successful, payout of the withdrawals from the nominated MediSave Account(s) will be made to your nominated bank account in the following month, which may include payouts from the month the application was submitted. The MediSave withdrawals will be reflected as “MediSave for Long Term Care” in your bank statement.

The care recipient will continue to receive monthly MediSave Care withdrawals in the nominated bank account by the end of every month as long as the care recipient remains eligible.

Please contact AIC at 1800-650-6060 if you require any assistance.


For Existing Scheme Recipients

1. If you would like to change the care recipient’s scheme details, please login with your SingPass on eFASS under “Manage My Schemes” > “Change in Scheme Details”. Please note these additional points as well:

  • If you are changing the care recipient’s scheme details on behalf of a care recipient who lacks mental capacity, you will need to submit a Mental Incapacity Certification if you have not done so before. The form can be downloaded here and needs to be filled in by a doctor.
  • If you are changing the care recipient’s payee to a nursing home that the care recipient is residing in, please approach the nursing home for assistance.

2. If you wish to opt-out from receiving MediSave Care withdrawals, please login with your SingPass on the eFASS under “Manage My Schemes” > “Change in Scheme Details”.

3. If you are unable to update scheme details or opt out of scheme using the eFASS, please email us at apply@aic.sg, or walk in to any of our AIC Links to request for a hardcopy application form. We seek your understanding that hardcopy applications have a longer processing time.



Frequently Asked Questions

Do you have questions about MediSave Care? We may have the answers here:

​​​​​

Additional gu​idanc​e f​or care recipient​ who lacks m​ental capacity to​ provide consent

1. The care recipient's donee/deputy# may provide consent on the care recipient's behalf. If the care recipient does not hav​e such a donee/deputy, the caregiver* may make the a​pplication on care recipient's behalf.

#​Donee/deputy must be appointed​ in accordance with the Mental Capacity Act (Cap 177) and is authorised to make decisions on behalf of the care recipient in relation to the care r​ecipient’s property and affairs.

*For successful applications without a donee/deputy, ​the caregiver or another family member has 12 months to obtain a court order appointing him/her as a deputy, failing which the payouts will be suspended. ​For more information on how to apply for a deputyship, please visit the Family Justice Courts website.

Doctor’s certification for mental i​nc​a​pacity is only valid for six months, unless stated permanent.


2. Please submit the f​ollowing addtiona​l supporting docum​ents:

  • Doctor's certification that the care recipient lacks mental capacity OR court order of deputy appointment OR recent medical report stating that the care recipient lacks mental cap​acity; and
  • Copy of​ bank book or statement IF you are nominating an account belonging to a deputy or trustee of the care recipient.

AIC requires the input of the NRIC ​issue date for ver​ification purposes.


You can login with your SingPass on eFASS​ and navigate to “Manage My Schemes” > “Change in Scheme Details”.

If you are changing the nominated bank account on behalf of a care recipient who lacks mental capacity, you will need to submit a Mental Incapacity Certification if you have not done so before. Please refer to Additional Gui​dance for more​ information.

If you are nominating a nursing home to receive the payouts, please appr​oach the nursing home to help you submit the Change in Application Details Form to AIC.

Do keep a copy of the application documents for your own​ reference.​

You would need to visit an​ MOH-accredited severe disability assessor to be assessed whether you are severely disabled. You are likely to be assessed as severely disabled if you are unable to perform at least three activities of daily living (ADLs). These ADLs are bathing, dressing, feeding oneself, using the toilet, moving around and transferring.

For example, at least three of the following scenarios apply to you:

  • You may need to rely entirely on your caregiver to be fed
  • You may need to rely entirely on your caregiver to be bathed
  • You may need to rely entirely on your caregiver to manage your diapers or catheter
  • You may need to rely ​entirely on your caregiver to be dressed
  • You need to rely entirely on caregiver to move over a distance, e.g. cannot walk on one’s own or push oneself in a wheelchair
  • You need to be fully supported when being transferred from be​d to chair, or chair to bed

You will be reimbursed fully for the assessment fee if you are assessed to be severely disabled. If you are assessed to have mild/moderate di​sability, you may still be eligible for mild/moderate disability assistance schemes like the Home Caregiving Grant and Foreign Domestic Worker Levy Concession for Persons with Disabilities.

For information on the different levels of disability and how to apply for MediSave Care and other disability schemes you may be eligible for, please re​fer to the information on the eFASS​.​​

Severely disabled individuals who wish to apply for MediSave Care will need to undergo a severe disability assessment by an​ MOH-accredited severe disability assessor. A trained, accredited severe disability assessor will be able to assess whether the applicant meets the MediSave Care criteria of being unable to perform three or more of the six Activities of Daily Living (ADLs). We have expanded the list of accredited assessors to include therapists and nurses who have been trained.

Through the training, assessors have learnt to assess an individual’s ability to perform the six ADLs, including specific components of each ADL to take into account, what factors to consider when an individual is cognitively impaired, and what should be done if any individual’s functional ability fluctuates over time. As this is a complex process, the training and accreditation is necessary to ensure that disability assessments are conducted with a high degree of rigour and consistency.

The Government is also looking into recognising equivalent assessments that have been performed by a qualified healthcare professional (doctors, occupational the​rapists, physiotherapists, and registered nurses) providing care to the care recipient. In such cases, the care recipient need not undergo a separate severe disability assessment. Today, those who are staying in a nursing home can already approach their nursing home for assistance to submit the Resident’s Assessment Form in place of the severe disability assessment.

MOH and AIC will progressively roll out the use of such equivalent assessments and will make the information available via the MOH and AIC website.

On 31 Jan 2020, the disability assessment fees for clinic-based assessments were be raised from $50 to $100, and for non-clinic-based assessment, from $150 to $250.

These fees were last reviewed in 2012. As recommended by the ElderShield Review Committee, the fees for severe disability assessments were raised in recognition that there has been an increase in assessment complexity due to the assessment framework enhancements made to account for the impact of cognitive impairments on functi​onal ability.

You will be fully reimbursed for the fees if assessed to be severely disabled.

The previous disability assessment form (for ElderShield) stated that an individual’s cognitive capacity should be taken into consideration when an assessor is assessing the individual’s ability to perform Activities of Daily Living (ADLs), but it was not clear how assessors should do so consistently.

Under the new framework and revised training curriculum, assessors will be guided more explicitly on the aspects to consider if an individual is suspected to be cognitively impaired. Assessors will therefore be better equipped to take into account the impact of cognitive impairment on an individual’s functional abilities, which will result in cognitively impaired individuals with higher care needs being able to more consistently qualify for MediSave Care.

Individuals with dementia or other cognitive impairments will still need to undergo a dis​ability assessment in order to qualify for MediSave Care, as their functional abilities may be affected in varying degrees by their cognitive​ impairment.

Annual periodic re-assessment is required to assess if the beneficiary is still severely disabled and meets the criteria for MediSave Care. The periodic re-assessment fees are waived, regardless of the outcome of the assessment.

However, care recipients who were assessed as permanently severely disabled (e.g. assessor statement by MOH-accredited severe disability assessors) will be exempted from di​sability re-assessments, unless there is new information (e.g. doctor’s memo) suggesting that the care recipients have recovered.

Yes, you can reapply and receive MediSave Care withdrawals again if you are assessed to meet all eli​gibility criteria.

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