MediSave Limit Singapore 2026
The Basic Healthcare Sum, contribution caps, and what happens when your MediSave exceeds the limit — 2026 figures explained.
MediSave limit Singapore 2026 refers to the Basic Healthcare Sum (BHS) — the maximum balance allowed in your CPF MediSave Account before excess contributions overflow into your Special Account (SA) or Retirement Account (RA). As at 1 January 2026, the BHS is SGD 75,500 for members below age 65. Once your MediSave reaches the BHS, additional contributions are redirected to your SA or RA. This is general information only and not financial advice; refer to CPF Board for official figures.
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What Is the MediSave Limit (BHS)?
The Basic Healthcare Sum (BHS) is the cap on the MediSave Account balance. CPF Board sets the BHS annually and indexes it to ensure it covers approximately the median expected lifetime MediShield Life premiums for a cohort. The BHS is not a spending limit — it is purely the maximum that can accumulate in the MA. Once the MA balance hits the BHS, further incoming contributions are directed to the SA (for members below 55) or RA (for members aged 55 and above).
The BHS is age-specific: members aged 65 and above have a fixed BHS based on the year they turned 65, while those below 65 use the current year’s BHS. CPF Board typically announces the new BHS by October each year for the following January.
2026 MediSave BHS Figures
As at 1 January 2026, the BHS is SGD 75,500 for CPF members below age 65. For members who turned 65 in 2025, their BHS is locked at the 2025 figure (SGD 74,500). This annual increment reflects CPF Board’s policy of gradually raising the BHS to align with healthcare cost trends. From 2026, the government has also announced that the BHS will increase by approximately SGD 1,000–1,500 annually until a long-term target is reached.
It is important to note that the BHS applies only to the MediSave Account specifically — it is separate from the Full Retirement Sum (FRS) and Enhanced Retirement Sum (ERS) which apply to the Retirement Account. See our guide on CPF FRS vs ERS for retirement sum comparisons.
What Happens When MediSave Exceeds BHS?
When your MediSave balance reaches or exceeds the BHS, any incoming CPF contributions that would normally go to the MA are instead channelled to: your Special Account (SA), if you are below age 55; your Retirement Account (RA), if you are 55 and above. This overflow mechanism means your SA or RA receives a higher allocation, which can be beneficial for retirement savings as the SA earns 4% per annum (higher than OA’s 2.5%). Voluntary top-ups to MediSave are not allowed once you reach the BHS.
MediSave Contribution Rates 2026
The MediSave contribution rate is a subset of the total CPF contribution. For employees earning SGD 750 and above, the employee and employer contribution rates are age-banded. The MediSave component ranges from 8–10.5% of ordinary wages depending on age group (higher for older workers). Total CPF contributions (OA + SA + MA) range from 37% for employees below 35 down to lower rates for employees above 60. For detailed contribution breakdowns, use our CPF Contribution Calculator or refer to the CPF Board website.
What Can MediSave Be Used For?
MediSave funds can be used for: hospitalisation and day surgery bills (your own and immediate family members’); approved outpatient treatments including chemotherapy, dialysis, and psychiatric treatment; MediShield Life and Integrated Shield Plan (IP) premiums; CareShield Life premiums; and approved chronic disease management programmes under the Community Health Assist Scheme (CHAS). MediSave cannot be used for general outpatient consultations, dental procedures (with some exceptions), or non-approved treatments. For healthcare planning, see our CPF strategy guide and CPF MediSave explainer.