Gastroscopy is a medical procedure that involves examining the lining of the stomach, oesophagus and small intestine using an endoscope. It is commonly used to diagnose and treat conditions such as ulcers, gastritis, and acid reflux. The procedure may also be recommended for screening purposes in individuals with a family history of stomach cancer.
Many people wonder if they can use their MediSave to cover the costs of gastroscopy. Today, we will discuss the use of MediSave for gastroscopy and provide you with important information to help you make an informed decision.
What is MediSave?
MediSave is a national medical savings scheme in Singapore that helps individuals set aside funds for their healthcare needs. It is part of the Central Provident Fund (CPF) system and is managed by the Ministry of Health.
Under MediSave, a portion of an individual’s income is automatically deposited into a personal savings account and can be used to pay for approved medical expenses.
Can MediSave Be Used for Gastroscopy?
The short answer is yes, you can use your MediSave to pay for gastroscopy. However, there are certain criteria and limits that must be met before MediSave can be used.
Gastroscopy is considered a day surgery procedure and falls under the Subsidised Services category in the MediSave guidelines.
Criteria for Using MediSave for Gastroscopy
To use MediSave for gastroscopy, you must meet the following criteria:
Be a Singapore citizen or permanent resident
Have a MediSave account with sufficient funds to cover the procedure
Be referred by a doctor for gastroscopy
Undergo the procedure at an approved day surgery facility or hospital
Limits and Coverage of MediSave for Gastroscopy
The amount that can be withdrawn from your MediSave account for gastroscopy depends on your age, medical condition, and the specific procedure being performed.
The sum you can withdraw from your Medisave is governed by limits established by the CPF board, with a maximum cap of $650.
MediSave can also be used to cover the cost of anaesthetic services during gastroscopy, as well as other related procedures, such as biopsy and polypectomy. However, MediSave will not cover the cost of any medications prescribed after the procedure.
How to Claim MediSave for Gastroscopy
To claim MediSave for gastroscopy, you will need to submit a MediSave withdrawal application form to the hospital or day surgery centre where you will undergo the procedure. You should also inform your doctor and request a referral letter for gastroscopy.
The hospital or day surgery centre will facilitate the claim on your behalf and deduct the approved amount from your MediSave account to cover the cost of the procedure. Any remaining balance can be paid using cash, credit card, or insurance.
Other Financial Assistance Option
MediShield Life
MediShield Life is a basic health insurance scheme, administered by the Central Provident Fund Board, that provides coverage for large hospital bills and selected outpatient treatments. It can help offset the remaining balance of your medical expenses after using MediSave.
Depending on your income level, the government may also provide subsidies to help with the premiums. The plan is available for all Singaporeans and permanent residents, regardless of age or medical condition.
Takeaway
MediSave can be used for gastroscopy, as long as it meets the necessary criteria and is deemed medically necessary. The amount that can be claimed depends on the type of procedure and your applicable withdrawal limits.
If you are unsure about using your MediSave for gastroscopy, it is best to consult with your gastro doctor or check with the CPF board for more information.