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Factually
Corrections and Clarifications

Will the Government take back unused MediSave top-ups?

31 July 2018

All MediSave top-ups will remain in citizens’ MediSave accounts and earn CPF interest.

Illustration of diverse individuals with medical icons, including a heart symbol, pills, and a blood pressure monitor.

[Updated as of April 2025]

A voice recording of a woman alleging that a $200 MediSave amount given by the Government would be taken back if unused within a year, has been making its rounds. She claims that a lady at a polyclinic counter had given her this information, and that her family would always use this MediSave amount when they visited polyclinics, so that they did not need to pay cash.

An article in Lianhe Zaobao about this alleged case is appended:

Lianhe Zaobao excerpt about the alleged case.

MediSave top-ups will not be taken back by the Government

The claims made in the clip are not true.

Unused MediSave top-ups will not be taken back by the Government. These will remain in your CPF account, and continue to earn interest.

What can MediSave be used for?

You can use your MediSave monies to pay for things like:

  • Hospitalisation, day surgery, and approved outpatient treatments

  • MediShield Life premiums

  • Other MediSave-approved insurance plans

When your MediSave reaches its account limit (i.e. the Basic Healthcare Sum), any excess will flow over to your CPF Special or Retirement accounts, to help build your retirement savings.

What are the MediSave top-up schemes by the Government?

There are two regular MediSave top-up schemes, namely the GST Voucher scheme and the Pioneer Generation Package. Singaporeans born on or before 31 December 1959, who do not enjoy Pioneer Generation benefits, would have also received MediSave top-ups annually from 2014 to 2018.

Always verify the facts with the relevant authorities

Should members of the public have questions about MediSave use, they may contact the Ministry of Health at 6325-9220.

Details on regular MediSave top-ups can be found on the MOH website and the GST Voucher website.

This article is accurate as of April 2025.

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