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 in your CPF MediSave Account before excess contributions overflow into your Special Account or Retirement Account. As at 1 January 2026, the BHS is SGD 75,500 for members below age 65. This is general information only; refer to CPF Board for official figures.
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What Is the MediSave Limit (BHS)?
The Basic Healthcare Sum (BHS) caps the MediSave Account balance. CPF Board sets the BHS annually, indexing it to cover approximately the median expected lifetime MediShield Life premiums for a cohort. Once the MA balance hits the BHS, further incoming contributions are directed to the SA (below age 55) or RA (55 and above). The BHS is not a spending limit — it is purely the maximum that can accumulate in the MA.
2026 MediSave BHS Figures
As at 1 January 2026, the BHS is SGD 75,500 for members below age 65. Members who turned 65 in 2025 have a fixed BHS of SGD 74,500. CPF Board has signalled annual BHS increments of approximately SGD 1,000–1,500 to align with healthcare cost trends. The BHS is separate from the Full Retirement Sum (FRS) and Enhanced Retirement Sum (ERS). See our CPF FRS vs ERS guide for retirement sum comparisons.
What Happens When MediSave Exceeds BHS?
When your MediSave balance reaches the BHS, incoming CPF contributions that would normally go to MA are channelled to: your SA if below age 55 (earning 4% p.a.) or your RA if 55 and above. This overflow can be beneficial — SA earns more than OA (4% vs 2.5%). Voluntary top-ups to MediSave are not allowed once you reach the BHS.
MediSave Contribution Rates 2026
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 to lower rates for older employees. Use our CPF Contribution Calculator for detailed breakdowns.
What Can MediSave Be Used For?
MediSave funds can be used for: hospitalisation and day surgery bills; approved outpatient treatments (chemotherapy, dialysis, psychiatric); MediShield Life and Integrated Shield Plan premiums; CareShield Life premiums; and approved chronic disease management (CHAS). MediSave cannot be used for general outpatient consultations or most dental procedures. See our CPF strategy guide and CPF MediSave explainer for more.