Chronic disease MediSave calculator

By MoneyBees

How much MediSave pays for a chronic condition under CDMP: S$500 or S$700 a year, the 15% cash co-payment and Healthier SG waiver, Flexi-MediSave from 60 and 2027 limits.

Frequently asked questions

How much MediSave can I use for chronic diseases?

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.

What counts as a complex chronic condition?

Treatment for two or more CDMP conditions in one visit, or for one condition with a recognised complication.

Is there a cash co-payment when using MediSave for chronic diseases?

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.

What is Flexi-MediSave?

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.

Can I use my family's MediSave for chronic disease treatment?

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.

Which conditions does the Chronic Disease Management Programme cover?

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.

What changes in 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.

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Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).