Comparing the one and two per cent caps
For employee remuneration of S$100,000 and medical expenses of S$2,500, the illustration allows S$1,000 without a portable-medical-benefits arrangement and S$2,000 with one. The undeductible balances are S$1,500 and S$500 respectively. The cap is calculated from total employee remuneration; it is not a percentage of the medical bill. The example assumes the relevant benefit conditions are met and does not establish eligibility merely because a payment is described as medical expenditure.
Ad hoc MediSave contributions
A second illustration uses remuneration of S$3 million. Ordinary medical expenses remain subject to a S$30,000 cap, while qualifying ad hoc MediSave contributions can add a deduction within the overall S$60,000 ceiling. Additional deduction is the lower of the contributions and the remaining overall ceiling after the ordinary deduction. The document states a S$2,730 per-employee annual contribution limit for its examples. Confirm the limit and conditions applicable to the actual year before using the example as a claim worksheet.
Official source
A concise, independent Apex Gateway guide based on the official English source, not a reproduction of the complete document. Consult the original for full conditions, exceptions and subsequent updates.
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