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Medical and dental benefits
As a Police full-time National Serviceman (PNSF), you are entitled to a comprehensive set of medical and dental benefits.
Last updated 22 July 2025
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Medical benefits
Consultation
If you feel unwell during office hours, consult your Unit Medical Officer. The medical treatment given at your unit Medical Centre is free of charge.
If you fall ill or sustain injuries after office hours, inform your officer-in-charge, who will assist you to seek immediate medical attention.
Outpatient treatment
You are eligible for fully subsidised outpatient medical treatment at any restructured hospital or polyclinic on producing your National Service (NS) Identity Card. This benefit is also extended to the wife and children of married servicemen on producing the Medical Benefits Identity Memo (MBIM), which is obtainable from your Divisional PNSF Personnel Officer. You will have to pay the first consultation fee if you:
Have no referral
Have been referred by a private doctor; or
Are referred to a consultant by name
For outpatient treatment at private hospitals or private clinics run by registered medical practitioners, the maximum amount claimable is $50 per visit. The maximum reimbursement is $350 per year (including dependants). Please note that outpatient medical expenses incurred at Chinese Medical Halls run by Chinese physicians registered with the Traditional Chinese Medicine Practitioners’ Board are not reimbursable.
Outpatient care entitlements, including subsidy coverage at public institutions and reimbursement limits for private healthcare visits.
Outpatient care | Entitlement |
|---|---|
Restructured hospitals and polyclinics | Full subsidy |
Private clinics and hospitals | Maximum reimbursement of $50 per visit. This is subject to a limit of $350 per calendar year. |
The MBIM is a temporary identification document for medical benefits. PNSFs or their dependants may be issued the MBIM if the NS Identity Card is not available. Division or Unit PNS Office shall verify the eligibility of the applicant and issue the form to the PNSF.
Hospitalisation
You are eligible for subsidised inpatient medical treatment at restructured hospitals for your eligible class of ward by presenting your NS Identity Card.
Where hospitalisation is required, the Singapore Police Force (SPF) will cover the following for your eligible class of ward at restructured hospitals:
80% of the ward and meal charges at your eligible ward
100% of the treatment charges (excluding items not eligible for subsidy) at your eligible ward
Ward eligibility
To find out what class of ward you are eligible for, please refer to the table below:
Ward eligibility by rank for restructured hospitals, including National University Hospital (NUH) ward classifications.
Rank | Ward eligibility | |
|---|---|---|
All other restructured hospitals | National University Hospital | |
Trainee Special Constabulary Constable to Special Constabulary Constable 2 | Class C | Class C |
Trainee Vigilante Corps to Vigilante Corps 2 | ||
Special Constabulary Corporal to Special Constabulary Sergeant 2 | Class B2 | Class B2 |
Vigilante Corps Corporal | ||
Officer Cadet to National Service Inspector | Class B1 | Class B1 or B2+ |
Upgrading of ward
If you would like to upgrade to a class of ward beyond your eligibility, the SPF will only subsidise an amount equivalent to the subsidy that is provided for your eligible ward. The SPF will reimburse 80% of the ward charges for you (50% for your dependant), based on the rates at your correct ward eligibility. You will need to co-pay treatment charges based on the applicable co-payment rates shown in the table below.
Hospital ward class eligibility and corresponding subsidy and co-payment rates for SPF personnel and their dependants.
Ward class | You | Dependants | |||
|---|---|---|---|---|---|
Your ward eligibility | Admitted to | Co-payment rate (%) | Subsidy rate (%) | Co-payment rate (%) | Subsidy rate (%) |
C | B2 | 50 | 50 | 65 | 35 |
C | B2+ | 65 | 35 | 75 | 25 |
C | B1 | 80 | 20 | 85 | 15 |
C | A | 85 | 15 | 90 | 10 |
B2 | B2+ | 40 | 60 | 60 | 40 |
B2 | B1 | 65 | 35 | 75 | 25 |
Service injury
In cases of service injury, the SPF will bear the full cost of medical treatment at restructured hospitals up to your eligible ward. The medical costs incurred for the treatment of your service injury will continue to be covered by the SPF after your Operationally Ready Date (ORD). Learn more about claims and compensation of service injuries.
Non-service injury or illness upon ORD
If you are hospitalised for a non-service injury or illness at your ORD, your hospitalisation charges will continue to be subsidised until your discharge from the hospital. Thereafter, medical coverage for injuries or illness will cease.
Inpatient medical expenses from private hospitals will not be reimbursed.
Dental benefits
You are eligible for outpatient dental treatment at government and private dental clinics. You are entitled to 85% reimbursement of dental treatment expenses incurred at dental clinics. This is subject to a cap of $250 per calendar year.
The subsidy does not cover the cost of precious metals used in dental treatments.
For more information, please consult your Course Manager or Divisional PNSF Personnel Officer.