nailova, I'm with kkh. For 1st 3 fresh cycle, the scheme is 50% co-share. That means if the bill is $6K in total, $3K will be paid by govt, $3K will be deducted from your medisave. If bill is $10k, $3K will be paid by govt, and the remaining $6k will be deducted from your medisave, and the balance $1k will be paid by cash.
My 1st and 2nd medisave deduction is only $3k - $4k, never heard that they will deduct fully then refund. Checked my medisave account also dun have refund.