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I have saved the Basic Healthcare Sum (BHS) in my MediSave Account. What happens to my MediSave savings above the BHS?

MediSave Account savings above the Basic Healthcare Sum (BHS) will be channelled to your CPF Special Account (SA) or Retirement Account (RA), depending on your age. The BHS cap and channelling are designed to avoid over-saving in MediSave Account and to supplement the member’s retirement savings, which can be withdrawn according to the CPF withdrawal rules. For members who have met the Full Retirement Sum (FRS)* in their SA or RA, the savings in excess of the BHS will be channelled to the Ordinary Account (OA). Savings in the OA can be used for other purposes such as housing repayment.

What if you have more than the Basic Healthcare Sum

*FRS amount consists of SA balance and any active CPFIS-SA investments.  

Please select:

Have your CPF savings met the Retirement Sum?

Any MediSave savings above the BHS will be channelled to your SA.

MediSave contributions above the BHS will be channelled to your other CPF accounts, as follows:

Age of CPF member (Years) Whether member's CPF savings met Retirement Sum? Channelled to
Below 55 years old No, member has less than the prevailing Full Retirement Sum (FRS) in his Special Account Special Account
Yes, member has set aside the prevailing FRS in his Special Account Ordinary Account
55 years old and above No, member has yet to set aside his FRS or at least his Basic Retirement Sum (BRS) with a property in his Retirement Account Retirement Account
Yes, member has set aside his FRS or at least his BRS with a property or more in his Retirement Account Ordinary Account

Any MediSave savings above the BHS will be channelled to your Ordinary Account.

MediSave contributions above the BHS will be channelled to your other CPF accounts, as follows:

Age of CPF member (Years) Whether member's CPF savings met Retirement Sum? Channelled to
Below 55 years old No, member has less than the prevailing Full Retirement Sum (FRS) in his Special Account Special Account
Yes, member has set aside the prevailing FRS in his Special Account Ordinary Account
55 years old and above No, member has yet to set aside his FRS or at least his Basic Retirement Sum (BRS) with a property in his Retirement Account Retirement Account
Yes, member has set aside his FRS or at least his BRS with a property or more in his Retirement Account Ordinary Account

Have your CPF savings met the Retirement Sum?

Any MediSave savings above the BHS will be channelled to your RA.

MediSave contributions above the BHS will be channelled to your other CPF accounts, as follows:

Age of CPF member (Years) Whether member's CPF savings met Retirement Sum? Channelled to
Below 55 years old No, member has less than the prevailing Full Retirement Sum (FRS) in his Special Account Special Account
Yes, member has set aside the prevailing FRS in his Special Account Ordinary Account
55 years old and above No, member has yet to set aside his FRS or at least his Basic Retirement Sum (BRS) with a property in his Retirement Account Retirement Account
Yes, member has set aside his FRS or at least his BRS with a property or more in his Retirement Account Ordinary Account

Any MediSave savings above the BHS will be channelled to your Ordinary Account.

MediSave contributions above the BHS will be channelled to your other CPF accounts, as follows:

Age of CPF member (Years) Whether member's CPF savings met Retirement Sum? Channelled to
Below 55 years old No, member has less than the prevailing Full Retirement Sum (FRS) in his Special Account Special Account
Yes, member has set aside the prevailing FRS in his Special Account Ordinary Account
55 years old and above No, member has yet to set aside his FRS or at least his Basic Retirement Sum (BRS) with a property in his Retirement Account Retirement Account
Yes, member has set aside his FRS or at least his BRS with a property or more in his Retirement Account Ordinary Account