Singaporeans can offset the costs of outpatient diabetes treatments using their MediSave accounts under the Chronic Disease Management Programme (CDMP). This guide breaks down the eligibility criteria, annual withdrawal limits, and claim procedures. 新加坡人可以在慢性病管理计划（CDMP）下，使用他们的 MediSave 账户来抵消糖尿病门诊治疗的费用。本指南详细解析了申请资格、年度提取限额以及申报流程。
Outpatient Care: The Chronic Disease Management Programme (CDMP) 门诊护理：慢性疾病管理计划 (CDMP)
To support residents managing chronic health issues, the Singapore Ministry of Health (MOH) allows the use of MediSave for outpatient Type 2 diabetes treatments under the Chronic Disease Management Programme (CDMP). This initiative aims to lower out-of-pocket costs for essential, long-term medical care. 为了支持居民管理慢性健康问题，新加坡卫生部（MOH）允许在慢性疾病管理计划（CDMP）下使用 MediSave 支付门诊 2 型糖尿病的治疗费用。该计划旨在降低基础性、长期医疗护理的自付费用。
MediSave CDMP Annual Limits MediSave CDMP 年度限额
Under the CDMP, patients can claim up to SGD 500 per year per account holder (or up to SGD 700 for complex conditions with multiple complications) for outpatient diabetes management. Patients can use their own MediSave account or tap into the MediSave accounts of their immediate family members (such as spouse, children, or parents). 在 CDMP 计划下，患者每年每个账户持有人可申报高达 500 新元（对于伴有多种并发症的复杂病况，限额可达 700 新元）的门诊糖尿病管理费用。患者可以使用自己的 MediSave 账户，也可以使用直系亲属（如配偶、子女或父母）的 MediSave 账户资金。
What Treatments are Covered? 学术检测与治疗：哪些治疗项目在承保范围内？
MediSave CDMP funds can be used to pay for: 1. Consultation fees at CDMP-registered General Practitioner (GP) clinics and polyclinics. 2. Standard diabetes medications (such as Metformin, SGLT2 inhibitors, and insulin). 3. Blood tests including HbA1c tests, fasting glucose tests, and lipid profiles. 4. Referrals to podiatrists and diabetic eye screening services. MediSave CDMP 资金可用于支付：1. 在已登记 CDMP 的全科医生（GP）诊所和综合诊所进行的门诊诊疗费。2. 标准的糖尿病药物（如甲福明/Metformin、SGLT2 抑制剂和胰岛素）。3. 血液检测，包括 HbA1c 检测、空腹血糖检测和血脂分析。4. 转介给足科医生和进行糖尿病眼底筛查的服务。
CHAS Subsidy Integration 结合社区关怀辅助计划 (CHAS) 补贴
Patients holding a Community Health Assist Scheme (CHAS) Blue or Orange card can receive additional government subsidies for their diabetes consultations and medications at participating private GP clinics. These CHAS subsidies can be combined with MediSave claims, reducing out-of-pocket expenses to a minimum. 持有社区关怀辅助计划（CHAS）蓝卡或橙卡的患者，在合作的私立全科医生诊所就诊时，其糖尿病门诊和药物可获得额外的政府补贴。这些 CHAS 补贴可以与 MediSave 报销相结合，将自付费用降至最低。
Inpatient Care and Shield Plans 住院护理与综合健保计划 (Shield Plans)
While MediSave CDMP covers outpatient routine maintenance, severe diabetes complications requiring surgery or hospitalisation (such as diabetic foot surgeries or cardiovascular events) are covered under Medishield Life and private Integrated Shield Plans (IPs). 虽然 MediSave CDMP 承保门诊日常维护，但对于需要手术或住院治疗的严重糖尿病并发症（如糖尿病足手术或心血管事件），则由终身健保（Medishield Life）和私立保险公司的综合健保计划（IPs）承保。
How to Make a Claim 如何进行报销申请
To use your MediSave for diabetes treatment, visit an MOH-approved CDMP clinic. Inform the clinic registration staff before your consultation that you want to claim under the MediSave CDMP scheme. You will need to sign a Medical Claims Authorisation Form (MCAF) to authorize the electronic transfer of funds from your MediSave account. 要在糖尿病治疗中使用您的 MediSave，请前往卫生部批准的 CDMP 诊所。在就诊前告知柜台登记人员您希望在 MediSave CDMP 计划下报销。您需要签署一份医疗报销授权书（MCAF），以授权从您的 MediSave 账户中电子转账。
Key Takeaways 核心要点总结
- MediSave CDMP allows claims up to SGD 500-700 annually for outpatient diabetes care.MediSave CDMP 允许每年申报高达 500-700 新元的门诊糖尿病治疗费用。
- Claims cover GP fees, standard medications like Metformin, and HbA1c blood tests.报销范围包括全科诊疗费、甲福明等标准药物以及 HbA1c 血液检测。
- You can use your own MediSave account or that of immediate family members.您可以使用自己的 MediSave 账户，也可以使用直系亲属的账户。
- CHAS Blue/Orange cardholders can combine subsidies with MediSave to minimize out-of-pocket costs.CHAS 蓝卡/橙卡持有者可将补贴与 MediSave 结合使用，使自付费用降至最低。