CPF MediSave Withdrawal Limits Singapore 2026

This page is for informational purposes only and does not constitute financial advice.

CPF MediSave withdrawal limits are the caps set by CPF Board on how much you can withdraw from your MediSave Account for approved medical expenses, including hospitalisation, MediShield Life premiums, Integrated Shield Plans, and approved outpatient treatments.

CPF MediSave Withdrawal Categories 2026

1. Hospitalisation: Full eligible bill for subsidised B2/C wards. Class B1 and above has daily limits based on procedure type (typically S$450–S$900/day for surgical procedures).

2. MediShield Life Premiums: Fully payable from MediSave — no cash top-up required for the standard plan.

3. Integrated Shield Plans (IP): Base IP premium payable from MediSave up to MediShield Life rates. IP rider premiums must be paid in cash from 2021 onwards.

4. CDMP Outpatient: Up to S$500 per year per patient for approved chronic conditions (diabetes, hypertension, asthma) at CHAS clinics.

5. CareShield Life: Annual premiums fully payable from MediSave.

MediSave BHS 2026

The Basic Healthcare Sum (BHS) for 2026 is S$71,500. Once your MediSave reaches this ceiling, additional contributions flow to your Special Account or Retirement Account.

Why This Matters

Many Singaporeans assume MediSave covers all medical costs — but limits mean you may still pay cash for certain treatments. Without adequate IP coverage, large bills in Class A wards can far exceed MediSave caps. Use our Retirement Planning Calculator to model healthcare costs.

Common Mistakes

Mistake 1: Assuming MediSave covers everything. Mistake 2: Not budgeting for IP rider cash premiums from 2021. Mistake 3: Ignoring the BHS ceiling when planning.

What is the MediSave withdrawal limit for hospitalisation 2026?
For subsidised B2/C wards, MediSave covers the full eligible bill. For Class A/B1 wards, daily limits apply based on procedure type. Check CPF Board’s MediSave table for your specific treatment.
Can I use MediSave for outpatient visits in Singapore?
Yes, for CDMP-approved chronic conditions. Up to S$500 per year per patient for approved conditions like diabetes and hypertension at CHAS clinics.
What is the CPF MediSave BHS in 2026?
S$71,500. Once your MediSave reaches this ceiling, additional contributions flow to your SA or RA.
Can I use MediSave for my parents' medical bills?
Yes. You can use MediSave for immediate family — spouse, children, and parents. The same limits apply.
Is MediShield Life fully payable from MediSave?
Yes for the standard plan. IP rider premiums must be paid in cash from 2021 onwards.

Use our Retirement Planning Calculator or explore the best S-REITs for 2026. Invest your CPF/SRS via Endowus or Syfe.