Medisave Withdrawal Limit Singapore (2026): Complete Guide
Hospitalisation caps, CDMP limits, ISP premium AWLs, and Budget 2026 updates — all in one place.
The Medisave withdrawal limit is the cap on how much you can draw from your CPF Medisave Account for specific medical expenses. In 2026, key limits were updated: the Basic Healthcare Sum rose to $79,000, CDMP withdrawal limits increased to $700–$1,000 per year, and the outpatient scan cap doubled to $600. This guide covers every limit and what changed under Budget 2026.
Not financial advice. All figures are for educational reference only. Data as at July 2026 unless noted.
- The Medisave BHS cap is $79,000 in 2026 — the ceiling on your Medisave balance.
- CDMP limits increased: $700/year (standard conditions), $1,000/year (complex conditions).
- ISP premiums: Medisave can pay $300–$900/year depending on your age group (AWL).
What Is the Medisave Withdrawal Limit?
Your Medisave Account is part of your CPF. It’s ring-fenced for healthcare — you cannot withdraw it freely like your Ordinary Account. CPF sets specific withdrawal limits for each type of medical expense.
The Medisave withdrawal limit tells you exactly how much you can draw per day, per year, or per admission — depending on the treatment type.
Two terms to know upfront:
Basic Healthcare Sum (BHS): The cap on how much Medisave can accumulate — $79,000 in 2026. Once your balance hits the BHS, excess contributions flow to your Special Account (under 55) or Retirement Account (55+).
Withdrawal limit: How much you can actually withdraw for a specific treatment. Even with $79,000 in Medisave, you still cannot exceed the approved limit per treatment type.
In short: BHS determines how much you can save. Withdrawal limits determine how much you can spend per treatment or per year.
Medisave Limits for Hospitalisation
When you’re admitted to hospital, the daily Medisave withdrawal cap is $700 per day for normal ward stays. This applies across all ward classes — private hospital, Class A, B1, B2, and C.
That $700/day covers ward and treatment charges, day surgery, and approved surgical procedures (subject to the Table of Surgical Procedures limits).
If you hold an Integrated Shield Plan, your private insurer pays claims above the MediShield Life deductible. Medisave mainly covers your MediShield Life and ISP premiums — not the hospital bill itself (unless you have a gap after insurance).
| Ward Type | Daily Medisave Cap | MediShield Life Deductible |
|---|---|---|
| Private Hospital / Class A | $700/day | $3,500/year |
| Class B1 (Restructured) | $700/day | $2,000/year |
| Class B2/C (Restructured) | $700/day | $1,500/year |
Source: CPF Board / MOH, July 2026. Deductible applies per policy year under MediShield Life.
Outpatient & CDMP Withdrawal Limits
You can also use Medisave for approved outpatient treatments — not just hospital admissions. The two most impactful programmes are the Chronic Disease Management Programme (CDMP) and outpatient scans.
Chronic Disease Management Programme (CDMP)
CDMP covers over 23 chronic conditions including diabetes, hypertension, high cholesterol, and asthma. If you manage these at a CHAS GP or polyclinic, you can pay using Medisave. From 2026:
- Standard chronic conditions: Up to $700/year (up from $500 in 2025)
- Complex chronic conditions: Up to $1,000/year (up from $700 in 2025)
This increase helps Singaporeans managing ongoing conditions absorb rising medication costs without dipping into cash savings.
Outpatient Scans
From 1 January 2026, the annual Medisave limit for outpatient scans — MRIs, CT scans, ultrasounds — doubled from $300 to $600/year. Meaningful relief given how expensive imaging can be at specialist clinics.
Flexi-MediSave (Age 60 and Above)
If you’re 60 or older, Flexi-MediSave lets you withdraw up to $200/year for outpatient visits at CHAS GP clinics and polyclinics — outside the CDMP framework. It’s a simple flexibility measure for everyday GP visits.
| Treatment / Condition | Annual Medisave Limit | Notes |
|---|---|---|
| CDMP – Standard Chronic | $700/year | Increased from $500 in 2026 |
| CDMP – Complex Chronic | $1,000/year | Increased from $700 in 2026 |
| Outpatient Scans | $600/year | Doubled from $300 (1 Jan 2026) |
| Flexi-MediSave (60+) | $200/year | CHAS GPs & polyclinics only |
| Vaccinations | $400/year | Approved vaccine list |
| Mental Health (psychiatry) | $2,600/year | Restructured hospitals, approved schemes |
Source: CPF Board / MOH, July 2026
ISP Premium Additional Withdrawal Limits (AWL)
If you hold an Integrated Shield Plan, you pay two types of premiums: the MediShield Life component and the private insurer component. These are treated differently for Medisave.
MediShield Life premiums can be paid entirely from Medisave — no cash required.
The private insurer component — the top-up that gets you Class A or private hospital coverage with AIA HealthShield Gold Max, PRUShield, or Singlife Shield — is subject to the Additional Withdrawal Limit (AWL).
The AWL varies by your age next birthday:
| Age Next Birthday | AWL (Medisave/year for ISP premium) |
|---|---|
| 40 and below | $300/year |
| 41 to 70 | $600/year |
| 71 and above | $900/year |
Source: CPF Board / MOH Additional Withdrawal Limits for Integrated Shield Plan Premiums
How AWL Works in Practice
Say you’re 45 (age next birthday 46) and hold a private hospital ISP. Here’s how the AWL applies:
- Total ISP basic premium: $1,800/year
- MediShield Life component: $400/year → paid fully from Medisave
- Private insurer component: $1,400/year → subject to AWL
- AWL for age 46: $600/year from Medisave
- Cash top-up needed: $800/year ($1,400 − $600)
This is why many Singaporeans with private hospital ISPs still pay part of the premium in cash. The older you get, the more Medisave can cover — $900/year from age 71 onwards.
Note: ISP rider premiums (add-ons that reduce your co-payment) cannot be paid using Medisave at all — riders must be paid in full in cash.
2026 Budget Changes: What’s New
Budget 2026 brought several meaningful Medisave enhancements. Here’s a summary of what changed:
| Change | Previous | 2026 |
|---|---|---|
| Basic Healthcare Sum (BHS) | $71,500 | $79,000 |
| CDMP Standard Chronic | $500/year | $700/year |
| CDMP Complex Chronic | $700/year | $1,000/year |
| Outpatient Scans | $300/year | $600/year |
| Matched MediSave Scheme (new) | — | $1,000/year govt match (2026–2030) |
Source: CPF Board / MOH Budget 2026 announcements
The Matched MediSave Scheme (MMSS)
This is the biggest new initiative. From 2026 to 2030, the government matches every dollar you voluntarily top up to Medisave — up to $1,000/year.
Top up $1,000 cash → receive $1,000 from the government → $2,000 total added to your Medisave. That’s a guaranteed 100% return on a risk-free contribution. Over five years, you could add up to $10,000 in government-matched funds to your Medisave by 2030.
How to Maximise Your Medisave
Here are four practical ways to get the most out of your Medisave in 2026:
1. Top Up for the MMSS Match
If you can spare $1,000 in cash, the Matched MediSave Scheme effectively doubles it. This runs until 2030 — do it every year. Check your balance at my.cpf.gov.sg first to confirm you’re below the $79,000 BHS.
2. Pay Your ISP Premium via Medisave
Use your AWL to pay the private insurer component of your ISP basic plan — up to $300, $600, or $900/year by age. This reduces your annual cash outflow while keeping your coverage intact.
Need help choosing the right ISP? Our best ISP Singapore guide compares all seven insurers on price, coverage, and rider options.
3. Claim CDMP If You Have a Chronic Condition
If you have diabetes, hypertension, or any CDMP-covered condition, make sure you’re enrolled. Many Singaporeans miss out on $700–$1,000/year simply because they haven’t signed up. Ask your GP to register you in CDMP.
4. Track Your Annual Usage
Medisave withdrawal limits don’t carry over year to year. If you haven’t used your CDMP allowance by December, that year’s remaining limit is forfeited (though your Medisave balance itself stays). Log in quarterly to track usage.
For CPF-linked investing alongside your healthcare coverage, the Endowus referral code (use code 2V343) gives you fee rebates on CPF OA and SRS investments. Note that Medisave itself cannot be invested — only your OA and SA can.
For brokerage and fund investing, the FSMOne referral code offers a fee discount on your first investment via FSMOne’s platform.
Frequently Asked Questions
What is the Medisave withdrawal limit for hospitalisation in 2026?
How much Medisave can I use for my Integrated Shield Plan (ISP) premium?
What is the Basic Healthcare Sum (BHS) for 2026?
Can I use Medisave for regular GP or outpatient visits?
What is the Matched MediSave Scheme (MMSS) in 2026?
What happens if my ISP premium exceeds the Medisave AWL?
Are there Medisave limits for mental health and dental treatment?
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