Let’s be honest — falling sick in Singapore can be stressful, not just physically but financially. Even with government subsidies, MediShield Life, and MediSave, some bills can still feel overwhelming. That’s where MediFund quietly steps in — a government safety net designed for Singaporeans who’ve run out of options.
You might not hear about it often, but for many families, MediFund has been the reason a loved one could get treatment without sinking into debt.
What exactly is MediFund?
Think of MediFund as the last layer of protection in Singapore’s healthcare system. It’s a government endowment fund that uses its investment income to help needy Singaporeans pay the portion of their hospital or treatment bills that remains unpaid — even after subsidies, insurance, and MediSave.
In short, if you’re a Singapore citizen who has already received the standard financial help but still can’t cover the remaining bill, MediFund may cover part or all of it based on your situation.
How does it work?
Each MediFund-approved hospital or care facility has its own MediFund Committee. These committees assess every application carefully, considering:
- Your family’s financial situation
- Health conditions and ongoing care needs
- Size of the medical bill
- Social or household circumstances
Because of this case-by-case approach, there’s no fixed payout. The amount of help depends entirely on your needs.
There are also two special versions:
- MediFund Silver, for elderly Singaporeans
- MediFund Junior, for children who need support
Who can apply for MediFund Singapore?
You may be eligible if you meet all these conditions:
- You’re a Singapore citizen
- You’re a subsidised patient at a MediFund-approved institution
- You’ve received or require treatment there
- You’re still struggling to pay bills even after using MediSave, MediShield Life, and cash
The assessment is holistic — officers look at your overall situation, not just income.
How to apply (step-by-step)
- Approach a Medical Social Worker (MSW) at the hospital, polyclinic, or long-term care centre where you received treatment.
- Explain your financial situation honestly — MSWs are trained to help, not judge.
- They’ll review your case and guide you through the application process.
- If you qualify, the MediFund Committee will approve the right amount of support.
💡 Tip: If you’re unsure where to start, call the MOH Hotline (6325 9220) or the Medical Social Services Department at your treatment centre for guidance.
Why this matters
Healthcare shouldn’t push anyone into financial crisis — and that’s exactly why MediFund exists. It’s proof that in Singapore’s system, no citizen is left behind when it comes to essential medical care.
So if you or someone you love is struggling with hospital bills, don’t quietly worry — talk to a Medical Social Worker and explore your MediFund options. Help is often just a conversation away.
Frequently Asked Questions
1. Does MediFund cover private hospital bills?
No. MediFund applies only to MediFund-approved public hospitals, community hospitals, and care facilities.
2. Can I get MediFund help more than once?
Yes. If your financial situation remains difficult, you can reapply for assistance whenever new medical bills arise.
3. Will MediFund pay my entire hospital bill?
Not always. The assistance depends on your needs and the size of your bill. In some cases, it can fully cover the remaining amount.