By MoneyBees
Estimate how much of your yearly bill for a chronic condition MediSave can pay under the Chronic Disease Management Programme. The limit is S$500 a year, or S$700 for complex cases. Outside your Healthier SG clinic you pay 15% in cash, and from age 60 Flexi-MediSave adds S$400. See what is left to pay in cash.
Complex: 2+ conditions treated within the year, or one with a complication
After subsidies, with medicine and tests
MediSave pays
$500.00
limit $500.00 a year
You pay in cash
$100.00
includes the 15% co-payment of $90.00
Yearly bill
$600.00
4 visits at $150.00
Outside your Healthier SG clinic, 15% of each bill is paid in cash, so MediSave pays at most 85%. The 2026 limit for one condition is $500.00 a year, which covers a yearly bill of about $588.24.
From age 60, Flexi-MediSave adds up to S$400 a year. The limit is per patient, and family members' MediSave can pay it too.
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| 2026 | From 1 Jan 2027 | |
|---|---|---|
| One condition, per patient a year | $500.00 | $700.00 |
| Complex case, per patient a year | $700.00 | $1,000.00 |
| Flexi-MediSave, aged 60 and above | $400.00 | $400.00 |
From 2027 the scheme is renamed MediSave Chronic and Preventive Care, and hyperthyroidism and hypothyroidism join the list. MOH has not said whether the 15% co-payment changes then.
Four visits a year at S$300 each come to S$1,200. Outside your Healthier SG clinic, S$180 (15%) is cash, and MediSave pays its S$500 limit. You pay S$700 in cash. At 60 or above, Flexi-MediSave pays S$400 more, so cash drops to S$300.
At your Healthier SG clinic there is no co-payment, but the yearly limit still caps MediSave at S$500.
Figures checked 4 Oct 2026.
Up to S$500 a year per patient, or S$700 for complex cases, under the Chronic Disease Management Programme. From 1 Jan 2027 the limits rise to S$700 and S$1,000.
Treatment for two or more CDMP conditions within a year, at the same visit or separate ones, or for one condition with a recognised complication.
Yes, 15% of the bill in cash, except at the clinic you are enrolled with under Healthier SG. There, MediSave can pay the whole bill up to the yearly limit.
An extra S$400 a year for patients aged 60 and above, from your own MediSave or your spouse's if your spouse is also 60 or older. It can be used together with the CDMP limit at polyclinics, public hospital specialist clinics and participating CHAS GPs.
Yes. You can use your spouse's, parents' or children's MediSave, and citizens and PRs can also use a sibling's or grandchild's. The yearly limit applies to each patient, whichever accounts pay.
23 conditions in 2026, including diabetes, high blood pressure, lipid disorders, stroke, asthma, COPD, depression, dementia, osteoarthritis, gout and chronic hepatitis B. Hyperthyroidism and hypothyroidism join from January 2027.
The scheme becomes MediSave Chronic and Preventive Care. The yearly limit goes from S$500 to S$700, and from S$700 to S$1,000 for complex cases.
These calculators provide general estimates for educational purposes only and are not personalised financial advice. Results may rely on rates and rules that change over time, so verify against official sources (IRAS, CPF Board, HDB, MAS) or consult a licensed financial adviser before making decisions.
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