Insurance

Insurance and Medisave

At Crest Surgical Practice, we understand that managing medical expenses is a priority for many patients. To help make your care more accessible, we collaborate with a wide range of insurance providers and partner with hospitals and day surgery centers where MediSave is accepted as a payment option.

MediSave, Singapore’s national savings scheme, is available to Singapore Citizens and Permanent Residents (PRs). It enables CPF (Central Provident Fund) contributors to use part of their savings for hospitalization, inpatient treatment, and day surgeries, including procedures like colonoscopy and gastroscopy. Accredited centers can E-file MediSave claims, helping to offset costs, with the claimable amount depending on the procedure and length of stay.

For more details, click here!

Our team is here to guide you through your insurance and MediSave options, ensuring that your benefits are maximized and out-of-pocket expenses minimized, so you can focus on receiving the care you need—without the added financial stress.

Can Medisave be used for screening Gastroscopy and Colonoscopy?

MediSave can also be used for screening gastroscopy and colonoscopy when recommended, subject to the prevailing TOSP withdrawal limit for both procedures plus $300 per day for associated day surgery charges. The patient will need to stay a minimum of 8 hours in the hospital.

For example, a gastroscopy without polypectomy falls under Table 1B, allowing for a maximum MediSave claim of:
= Day Surgery Charge + Surgical Limit
= $300 + $350
= $650

Whereas a colonoscopy with polypectomy is classified under Table 3A, with a maximum Medisave claimable amount of:
= $300 + $1,250
= $1,550

The surgical limit for inpatient and day surgery is determined by the complexity of the procedure, based on the Table of Surgical Procedures (TOSP), as outlined below. (This table’s data is sourced from the MOHH website.)

PROCEDURE	TOSP	TABLE	WITHDRAWAL LIMIT
GASTROSCOPY	SF701I	1B	$350
GASTROSCOPY WITH POLYPECTOMY	SF700I	2C	$950
GASTROSCOPY WITH COMPLICATED POLYPECTOMY	SF813E	3A	$1250
COLONOSCOPY	SF702C	2C	$950
COLONOSCOPY WITH POLYPECTOMY (< 1CM)	SF704C	3A	$1250
COLONOSCOPY WITH POLYPECTOMY (> 1CM)	SF705C	3B	$1550