Extending MediSave Coverage to Funeral-related Expenses and Posthumous Expenditures

15 Assoc Prof Jamus Jerome Lim asked the Coordinating Minister for Social Policies and Minister for Health (a) whether an individual's Medisave account may be used for immediate family's wake-related expenses; and (b) if not, whether the distinction between end-of-life medical expenditures and posthumous expenditures is artificial, given that immediate family members typically bear both costs without exceptions.

Mr Ong Ye Kung: As MediSave is intended to support healthcare expenses, especially, in old age, contributions to MediSave are sized accordingly, for healthcare needs only. Hence, allowing MediSave for non-healthcare expenses, beyond its intended scope, would not be prudent.

Nevertheless, there is flexibility for individuals to withdraw their Central Provident Fund (CPF) savings, including MediSave, in certain circumstances, such as if they have reduced life expectancy or are terminally ill. This cash can then go towards meeting their various needs. In addition, any remaining MediSave funds of deceased CPF members are distributed to their nominees in cash, allowing full flexibility of use. There are also welfare organisations that help with the funeral expenses of those in need.