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Rules
Terms and conditions of approval under the MediSave scheme and the MediShield Life scheme
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Rules

From 1 January 2017, CPFB imposes administrative financial penalties for administrative lapses by Medical Institutions (MIs) submitting Medisave claims on behalf of members. Please refer to Table 1 and 2 for the categories of contraventions and the penalty amounts:

Table 1: Administrative Financial Penalties for All Contraventions other than Unauthorised Withdrawals
Contravention History 0 1 2 3 ≥4
Type of Contravention Year(s) with contraventions within the past 2 calendar years Consecutive past calendar years with contraventions
Accessing members’ Medisave account information without proper authorisation Notice of Warning $100 per contravention, up to $5,000 per calendar year
Incomplete or inaccurate information leading to administrative inaccuracies with no financial impact Notice of Warning $100 per contravention, up to $5,000 per calendar year
Administrative over-claims Notice of Warning $100 per contravention, up to $5,000 per calendar year $500 per contravention, up to $7,500 per calendar year $1,000 per contravention, up to $7,500 per calendar year $2,000 per contravention, up to $10,000 per calendar year
Late submission, non-submission, or non-follow-up of audit reports $300 $1,500 $3,000 $6,000
Table 2: Administrative Financial Penalties for Unauthorised Withdrawals
No. of Previous Contraventions 0 1 2 3 ≥4
Type of Contravention Contraventions already made in the current and last two calendar years
Unauthorised withdrawals $100 for this contravention* $500 for this contravention* $1,000 for this contravention* $2,000 for this contravention*
*The total amount of penalties that can be imposed in one calendar year for unauthorised withdrawals is $10,000.

Besides having to pay the administrative financial penalties, where there is financial impact to the member’s Medisave account, MIs are required to refund the over-claim, with interest, to the affected Medisave account holder(s). MIs will be notified in writing to pay the administrative financial penalties within 30 calendar days from the Notice of Penalty. Payment of penalties can be by cheque, payable to “CPF ADMIN PENALTY” or via a onetime direct debit authorisation via existing bank accounts linked with CPFB. For queries on payment of penalties, you may write to medclm@cpf.gov.sg.

Audit Requirements on Medisave/MediShield submission
Audit Requirements on access to Medisave Balance Enquiry
Administrative Penalty Framework for Medisave Claims