Traditional Chinese Medicine and MediSave in Singapore: What’s Actually Covered?

For many Singaporeans, Traditional Chinese Medicine (TCM) offers a time-tested and holistic approach to healthcare that complements conventional medicine. Treatments such as acupuncture, herbal therapy, cupping, and tui na have gained popularity for managing chronic conditions, improving circulation, and promoting overall well-being. But despite its widespread use, one of the most common questions patients ask is: Can MediSave be used to pay for TCM treatments in Singapore?

The short answer is: MediSave coverage for TCM is very limited. To avoid unexpected costs and make informed decisions about your care, it’s important to understand what is and isn’t claimable.

In this article, we explain the current policies, who qualifies for coverage, what types of treatments are included, estimated costs, and how private insurance and financial planning can help you access more comprehensive support.

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What Does MediSave Cover for Traditional Chinese Medicine?

Currently, the Ministry of Health (MOH) in Singapore classifies TCM as complementary medicine, which means it is not considered part of mainstream healthcare services. As a result, only a very narrow set of TCM services are eligible for MediSave reimbursement.

Covered: Acupuncture for Chronic Pain in Older Adults

The only TCM-related treatment covered by MediSave is acupuncture for chronic lower back or neck pain, but only under specific conditions:

• You must be aged 60 or above
• The treatment must be carried out at an approved public healthcare institution, such as specialist outpatient clinics in restructured hospitals
• The treatment must be for chronic lower back pain or neck pain only
• Claims fall under the Flexi-MediSave scheme, allowing up to S$300 per year from your MediSave account

This coverage helps older adults manage common musculoskeletal issues without high out-of-pocket costs.

What MediSave Does Not Cover

Outside of the limited acupuncture benefit, most TCM treatments are not MediSave-claimable, even when performed by licensed TCM practitioners. The following services typically require out-of-pocket payment:

• Herbal medicine and supplements
• General TCM consultations (at both public and private clinics)
• Cupping therapy
• Tui na massage (Chinese therapeutic massage)
• Moxibustion (heat therapy)
• Gua sha (scraping therapy)
• Fertility treatments using TCM
• Facial acupuncture and cosmetic TCM services
• TCM for pregnancy, postpartum care, or weight management

If you’re seeking TCM for wellness, fertility, or chronic illness management (outside of the back/neck pain scope), MediSave cannot be used. In these cases, private insurance becomes key.

TCM Costs in Singapore

The cost of TCM services in Singapore varies based on the clinic, location, practitioner experience, and treatment type. Here’s what you can expect:

Always check if the TCM physician is registered with the TCM Practitioners Board, regulated by MOH.

Private Insurance and TCM

Due to MediSave’s limited coverage, private health insurance plays an essential role in reducing the cost of TCM treatments. Some Integrated Shield Plans (IPs) and corporate insurance policies provide coverage for alternative treatments, including:

• Acupuncture by registered TCM practitioners
• Fixed number of sessions per year
• Partial reimbursement or capped coverage limits

Before you begin treatment, always check:

• If your insurer covers TCM services
• Whether the TCM clinic or practitioner is recognised
• The claimable amount per session or per year
• If you need a GP referral or pre-approval

Some insurers also offer riders that expand alternative medicine benefits to include osteopathy, chiropractic care, and naturopathy.

Plan Your Finances for Both Traditional and Modern Healthcare

While MediSave offers limited coverage, mainly for acupuncture in individuals aged 60 and above, understanding your options can help you plan better.

To get the most out of your insurance and reduce out-of-pocket expenses, consider speaking with a trusted financial consultant. They can help you navigate your benefits, assess your current coverage, and recommend ways to enhance your support for both Western and Traditional Chinese Medicine.

Click the button below to book a consultation with one of our preferred financial consultants and take control of your healthcare planning across both modern and traditional care.

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