MEDICAL AND
DENTAL BENEFITS

Medical and dental benefits

As a full-time National Serviceman (NSF), you are entitled to a comprehensive set of medical and dental benefits.

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 restructured hospitals and polyclinics 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 Unit Personnel Officer or Admin Officer.

For outpatient treatment at private hospitals or private clinics run by registered medical practitioners, the maximum amount claimable is $20 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 Entitlement

Restructured hospitals and polyclinics

Full subsidy

Private clinics and hospitals

Maximum reimbursement of $20 per visit. This is subject to a limit of $350 per calendar year.

The MBIM is a temporary identification document for medical benefits. NSFs or their dependants may be issued the MBIM if the NS Identity Card is not available.

Hospitalisation

You are eligible for subsidised inpatient medical treatment at restructured hospitals for your eligible class of ward by presenting your NS Identity Card. This benefit is also extended to the wife and children of married servicemen. The MBIM has to be produced together with documentary proof such as Marriage Certificate and/or Birth Certificate for your spouse or child to be eligible for subsidised medical treatment.

Where hospitalisation is required, the Singapore Civil Defence Force (SCDF) will cover the following for your eligible class of ward at restructured hospitals:

  • 80% (50% for dependants) of the ward and meal charges at your eligible ward
  • Full subsidy of treatment charges at your eligible ward

Ward eligibility

To find out what class of ward you are eligible for, please refer to the table below:

Rank Ward eligibility

Recruit to Lance Corporal

Class C

Corporal to Sergeant

Class B2

Officer Cadet to Lieutenant

Class B1

Upgrading of ward

If you would like to upgrade to a class of ward beyond your eligibility, the SCDF will only subsidise an amount equivalent to the subsidy that is provided for your eligible ward. The SCDF 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.

You can also view the table here.

Ward class You Dependants
Your 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

B2

A

70

30

80

20

B1

A

35

65

55

45

Service injury

In cases of service injury, the SCDF will provide fully subsidised medical treatment at restructured hospitals, up to your eligible ward. The medical cost incurred for the treatment of your service injury will continue to be covered by the SCDF 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 and is still not discharged at your ORD, you may continue to receive medical benefits until you are discharged 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 dental clinics. You are entitled to 85% reimbursement of dental treatment expenses incurred at dental clinics. This is subject to a cap of $120 per calendar year.