What is the CPF Medisave Basic Healthcare Sum (BHS) for 2026?

CPF Medisave Basic Healthcare Sum (BHS) for 2026

The CPF Medisave Basic Healthcare Sum (BHS) for 2026 is S$79,000.

This figure represents the estimated average amount needed to cover basic healthcare expenses, such as hospitalisation and day surgery, for a person in their first few years of retirement (age 65 to 85). The BHS is reviewed annually and adjusted upwards to account for rising healthcare costs.

Key Figures and Context:

• 2026 BHS: S$79,000.
• 2025 BHS: This figure was S$75,500 (an increase from S$71,500 in 2024).

Implications for Medisave Usage:

Your Medisave Account (MA) contributions are first directed towards meeting the prevailing BHS. Once your MA balance reaches the BHS, any further contributions or interest earned in the MA will flow to your Special Account (SA) up to the Full Retirement Sum (FRS), and subsequently to your Ordinary Account (OA), based on the prevailing contribution allocation rules for your age group (as of 2025 figures, though allocation rules are age-dependent).

For example, for someone aged 35-45 in 2025, the MA contribution is 9% of gross wages, and this amount is used to build up towards the BHS. Once the BHS is met, the excess flows to the SA (if the SA has not yet reached the FRS).

Usage of Medisave Post-BHS:

Meeting the BHS does not prevent you from using your Medisave savings for approved healthcare expenses. For instance, from age 65 to 85, an estimated S$45,000 is needed annually to cover MediShield Life and Integrated Shield Plan premiums. You can use your Medisave balance above the BHS for these premiums, as well as for approved outpatient treatments, approved vaccinations, and maternity expenses (CPF Board).

Future Projections (2027):

While the exact 2027 figure is not provided in the current knowledge base, based on the trend of consistent increases (e.g., $4,000 increase from 2024 to 2025, and $3,500 increase from 2025 to 2026), Singaporeans should anticipate the BHS to continue rising in subsequent years.