Matched MediSave Scheme 2026: Eligibility &MediSave Matching up to S$1,000 yearly

From 2026, some Singapore seniors will get extra MediSave money from the Government — no lucky draw, no complicated forms. The catch? You (or your family) must top up first.

This is the Matched MediSave Scheme (MMSS), and for eligible Singaporeans aged 55 to 70, it can mean up to S$1,000 a year of free matching funds added straight into your MediSave Account.

Honestly speaking, this is one of those schemes where doing nothing means missing out.

What exactly is the Matched MediSave Scheme?

MMSS is designed to help older Singaporeans with lower MediSave balances build up healthcare savings before medical expenses become heavier later in life.

If you qualify, any voluntary cash top-up made to your MediSave Account (MA) during the year will be matched dollar-for-dollar by the Government, capped at S$1,000 per year. The scheme is scheduled to run from 2026 to 2030, with eligibility assessed every year.

Quick snapshot of how MMSS works

Item	Details
Scheme start	January 2026
Eligible age	55 to 70 years old (inclusive)
Matching rate	Dollar-for-dollar
Annual cap	S$1,000 per person
Application needed	❌ No
Who can top up	Self, family members, or employer
Where money goes	MediSave Account (MA)

Key dates and when the money comes in

MMSS officially kicks off in January 2026. CPF will automatically assess eligibility at the start of each calendar year and notify members who qualify.

One important detail many people miss:
The Government’s matching amount is credited the following year, not immediately. So top-ups made in 2026 will typically see the matching funds appear in your MediSave in early 2027, based on CPF’s usual matching grant timelines.

No need to chase — just check your CPF transaction history.

Who qualifies for MMSS? (Simple checklist)

Eligibility is reviewed yearly, and CPF is the final authority. Based on publicly shared criteria, you generally need to meet all of these:

• Singapore Citizen
• Aged 55 to 70 (inclusive)
• MediSave balance below half of the Basic Healthcare Sum (BHS) for your age group
• Means-tested conditions apply (such as income and property ownership limits)

If you’re wondering about exact cut-offs — CPF will notify eligible members directly. If you don’t receive a notice, assume you’re not eligible for that year.

How much can you get matched?

The matching formula is very straightforward.

• Top up S$300 → Government matches S$300
• Top up S$800 → Government matches S$800
• Top up S$1,500 → Government matches S$1,000 (cap reached)

That’s effectively a 100% return, credited into your MediSave, where it earns CPF interest and can only be used for healthcare expenses.

For most Singaporeans, that’s hard to beat.

Do you need to apply?

Short answer: No.

CPF automatically checks eligibility every year. If you qualify, all you need to do is ensure a cash top-up is made to the MediSave Account during that year.

Top-ups can come from:

• Yourself
• Family members
• Employers (as goodwill contributions)

No forms. No approvals. No chasing officers.

How to top up MediSave (step-by-step)

One-time cash top-up

1. Log in to myCPF at cpf.gov.sg
2. Select Cash Top-Ups & CPF Transfers
3. Choose MediSave Account (MA)
4. Enter the amount and complete payment

That’s it.

Monthly GIRO top-ups (hands-off option)

If you don’t want to think about it every year, setting up a monthly GIRO works well. Smaller amounts spread across the year still count toward the S$1,000 annual matching cap.

This is especially useful for families supporting parents.

Example scenarios (so you can visualise it)

Example 1:
You’re 60, and your children top up S$500 to your MediSave in 2026.
→ Government matches S$500 in 2027.

Example 2:
You’re 65, and total top-ups reach S$1,200 in 2026.
→ Government match capped at S$1,000.

Simple, predictable, no funny business.

Why the Basic Healthcare Sum matters

MMSS eligibility depends on whether your MediSave balance is below half the Basic Healthcare Sum (BHS).

For 2026, the BHS is S$79,000. That means your MediSave needs to be below S$39,500 to potentially qualify (exact thresholds depend on CPF’s cohort rules).

If your MediSave is already high, MMSS won’t apply — which is fair, because the scheme is meant for those who need the help more.

What Singapore seniors should do now

Even though MMSS starts in 2026, the preparation starts earlier.

Check your MediSave balance, talk to your family about planned top-ups, and decide whether a one-time or monthly approach suits you better. No need to overthink — the main thing is not to miss the calendar year.

Frequently Asked Questions

Can I qualify if I’m already 71?

No. MMSS currently applies only to Singapore Citizens aged 55 to 70, inclusive.

Do Permanent Residents qualify?

No. MMSS is targeted at Singapore Citizens only, based on current guidance.

If I top up in December 2026, does it still count?

Yes. As long as the cash top-up is made within the 2026 calendar year, it counts toward that year’s matching amount.

Bottom line: worth it or not?

For eligible seniors, MMSS is free money for healthcare — plain and simple. If you’re already planning to top up MediSave, or your family is helping you, not taking advantage of the matching would honestly be a waste.

Just remember the two golden rules:
Top up within the year, and let CPF handle the rest.

Sources (authoritative / further reading)

• CPF — How does the Matched MediSave Scheme work? (CPF service article). Central Provident Fund
• CPF — Who is eligible for the Matched MediSave Scheme? (CPF service article). Central Provident Fund
• BusinessTimes — CPF 2026 notes: MMSS implementation & timing (news coverage). The Business Times
• Ministry of Health — CPF interest rates & Basic Healthcare Sum for 2026 (MOH press release; BHS figures). Ministry of Health
• CPF — Matching grant / cash top-ups / how to top up (CPF guidance on cash top-ups). Central Provident Fund