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

CPF Medisave Basic Healthcare Sum (BHS) in 2026

The Basic Healthcare Sum (BHS) is the estimated amount required to set aside for basic healthcare needs, such as hospitalisation and day surgery, for an individual in their later years. This amount is reviewed annually.

Based on the provided information regarding key CPF changes for 2026:

• BHS for 2026: The CPF Board has set the Basic Healthcare Sum (BHS) for 2026 at S$79,000.
• Comparison to Previous Years: This represents an increase from the 2025 figure of S$75,500, and the 2024 figure of S$71,500.

Implications of the BHS

Once an individual reaches age 55, their Medisave Account (MA) savings are expected to meet the prevailing BHS. If the MA balance exceeds the BHS, the excess funds are transferred to the Special Account (SA) up to the Full Retirement Sum (FRS), and subsequently to the Ordinary Account (OA) (CPF Board guidelines).

For those aged 55 and above, the BHS acts as a benchmark for the minimum required savings in the MA. For example, if a 55-year-old has less than S$79,000 in their MA in 2026, their mandatory CPF contributions will first flow into the MA until the BHS is met, before flowing to the SA/OA based on prevailing allocation rates (CPF Board).

Note on Related Figures for 2026:

• The Enhanced Retirement Sum (ERS) for 2026 is S$440,800 (4x BRS).
• The FRS for those turning 55 in 2026 is S$220,400.