Demystifying Medisave Claims: Your Guide to Healthcare Savings


Our guide to Medisave Claims demystifies the process, empowering you to make informed decisions about your healthcare spending. Discover how to claim for various medical services, learn about eligibility criteria, and find out how to make the most of your Medisave savings.

In the face of escalating healthcare costs in Singapore, the reliance on Medisave Claims a national medical savings scheme—has become integral for individuals seeking financial assistance with medical expenses. To safeguard the legitimacy and accuracy of Medisave claims, the Ministry of Health (MOH) has instituted stringent audit requirements for healthcare providers and their patients. At Athel, we specialize in audit services tailored for doctors and clinics, ensuring meticulous examination and validation of Medisave claims as mandated by the MOH.

Section 1:

The Regulatory Landscape for Medisave Claims

Under Section 67B(3) of the CPF Act, the Central Provident Fund Board (CPF Board) has the authority to order audits of Medical Institutions (MIs) approved to make medical bills on behalf of CPF members. MIs are obligated to submit an Annual Auditor’s Report (AAR) on the medical bills made for each financial year, ensuring compliance with the Central Provident Fund (Medisave Account Withdrawal) Regulations and MOH guidelines.

Section 2:

Key Considerations for Healthcare Providers and Patients

For healthcare providers and patients involved in Medisave claims, understanding and adhering to audit requirements are essential. Key considerations include:

  1. Proper Documentation:
    • Healthcare providers must maintain accurate records of Medical Claim Forms submitted to CPF Board via the Mediclaim system.
  2. Compliance with Medisave Guidelines:
    • Adherence to MOH’s Medisave guidelines for eligibility and reimbursement rates is crucial for healthcare providers seeking audit compliance.
  3. Retention of Records:
    • Healthcare providers are required to retain all records related to medical bills for at least six years.
  4. Audit Readiness:
    • Random audits by the MOH may be conducted to ensure compliance with Medisave guidelines. Both healthcare providers and patients should be prepared for potential audits.

Section 3:

Partnering with Athel Assurance PAC 

Navigating the complexities of Medisave claims audits can be challenging, but at Athel, we are here to support you. Our experienced and knowledgeable team ensures that your Medisave claims are accurate, compliant, and audit-ready. By partnering with us, you can focus on your health and well-being with peace of mind, knowing that your financial processes align with MOH regulations.


At Athel, we understand the importance of precision and compliance in the healthcare sector, especially concerning Medisave claims. Our specialized audit services are tailored to meet the unique needs of doctors and clinics, providing assurance that your financial records align with MOH guidelines. Find out more here.