Terms and Conditions for Top up My/My Loved Ones’ MediSave Account using CPF

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Application for Top up My/My Loved Ones’ MediSave Account (MA)

  1. Your Special Account (SA) savings will be deducted first, followed by your Ordinary Account (OA) savings. You cannot top-up in a different sequence. The interest balance in your SA and OA will not be used for the top-up.
  2. The top-up amount will be subject to the prevailing rules on the use and withdrawal of MediSave savings.
  3. The top-up amount is not subject to the CPF Annual Limit.

 

Top up My MA

  1. You must be a Singapore Citizen or Permanent Resident.
  2. You must be aged 55 and above, if you are not on the Medical Grounds Scheme (MGS). There is no age restriction for members on the MGS.
  3. You must have set aside your Full Retirement Sum (FRS) in your Retirement Account (RA), if you are not on the MGS. The FRS can be set aside fully with cash, or with cash (i.e. at least the Basic Retirement Sum (BRS)) and property. You must have set aside your reduced Retirement Sum in your RA, if you are on the MGS.
  4. The full eligible amount is the maximum amount that can be used for the top-up. It is the lower of the following amounts at the point of top-up:
    • The balance available in your SA and OA; and
    • Your applicable Basic Healthcare Sum (BHS) shortfall amount.

 

Top up My Loved Ones’ MA

  1. You and your recipient must be a Singapore Citizen or Permanent Resident.
  2. You must be aged 55 and above, if you are not on the MGS. There is no age restriction for members on the MGS.
  3. You must have set aside your FRS in your RA, if you are not on the MGS. The FRS can be set aside fully with cash, or with cash (i.e. at least the BRS) and property. You must have set aside your reduced Retirement Sum in your RA, if you are on the MGS.
  4. The full eligible amount is the maximum amount that can be used for the top-up. It is the lower of the following amounts at the point of top-up:
    • The balance available in your SA and OA; and
    • Your recipient’s applicable BHS shortfall amount.