MediSave Account savings above the Basic Healthcare Sum (BHS) will be transferred to your CPF Special Account (SA) or Retirement Account (RA), which have interest rates equal to or higher than that of the MediSave Account. The BHS cap and overflow arrangement are designed to avoid over-savings in MediSave Account and to supplement the member’s retirement savings, which can be withdrawn per the usual CPF withdrawal rules. For members who have met the Full Retirement Sum in their SA or RA, the savings in excess of the BHS will be transferred to the Ordinary Account (OA). Savings in the OA can be used for other purposes such as housing repayment.
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