The Government of Singapore has announced the Singapore MediSave Top-Up October 2025, a timely financial boost to help citizens build up their CPF MediSave balances. This top-up aims to strengthen the ability of Singaporeans, especially seniors and lower-income individuals, to afford healthcare-related costs such as hospital bills, surgeries, and long-term care services.
This initiative under the broader MediSave 2025 programme aligns with national policies on healthcare affordability, allowing more Singaporeans to receive support for medical expenses without dipping into their savings. The payout will be issued automatically in October 2025, ensuring that eligible CPF members get enhanced support without the need for separate applications.
Who Is Eligible for the MediSave 2025 Top-Up?
Eligibility for the Singapore MediSave Top-Up October 2025 is based on several criteria including age, income level, property ownership, and citizenship status. Individuals who meet all the conditions will receive the top-up directly into their CPF MediSave account.
You qualify if you
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Are a Singapore citizen
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Are aged 65 and above in 2025
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Have an Assessable Income of $34,000 or less for the Year of Assessment 2024
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Own not more than one property
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Live in a property with an Annual Value (AV) of $21,000 or less (based on 2024 records)
These criteria ensure that support is targeted toward Singaporeans who need it most — seniors and lower-income groups who face higher risks of healthcare-related financial burdens.
How Much Will Be Credited in October 2025?
The Singapore MediSave Top-Up October 2025 amount varies based on age and eligibility status. The government uses the latest tax and housing data to assess how much each individual will receive.
Here’s an estimated breakdown of the top-up amounts
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Seniors aged 65 to 74 may receive $150 to $250
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Seniors aged 75 to 84 may receive $250 to $350
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Seniors aged 85 and above may receive $350 to $450
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Additional payouts may apply for those eligible under the Assurance Package or GST Voucher – MediSave
The top-up will be credited on or after Monday, 21 October 2025, and reflected in the recipient’s CPF MediSave statement. The amount received may vary based on overlapping eligibility under other government assistance schemes.
How to Receive and Use the MediSave Top-Up
Eligible recipients of the Singapore MediSave Top-Up October 2025 do not need to apply. The payout is automatic, and CPF Board will notify members via SMS or CPF digital notifications.
MediSave funds can be used for
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Hospitalisation and surgery bills
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Day surgery and selected outpatient treatments
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Premium payments for Integrated Shield Plans and ElderShield/CareShield
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Health screenings and chronic disease management under CHAS-approved clinics
Funds remain in the MediSave account until used and continue to earn CPF interest. This ensures long-term healthcare security and reduces reliance on cash or insurance alone.
Why the MediSave 2025 Top-Up Matters
The Singapore MediSave Top-Up October 2025 helps strengthen financial resilience for healthcare needs, particularly for seniors. With rising medical costs and an ageing population, the government’s continued support through MediSave 2025 ensures that all Singaporeans, regardless of income, can access quality healthcare without excessive out-of-pocket spending.
Key benefits include
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Boosting long-term medical savings
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Reducing stress over unexpected hospital bills
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Supporting independent living for seniors
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Allowing flexibility in managing medical and insurance needs
This initiative reflects Singapore’s strong commitment to preventive care, early intervention, and sustainable healthcare financing for future generations.
FAQs
Who qualifies for the Singapore MediSave Top-Up October 2025?
Singapore citizens aged 65 and above with income under $34,000, owning one or no property, and living in a residence with an annual value below $21,000 are eligible.
When will the MediSave top-up be credited?
The top-up will be credited from 21 October 2025 onwards and reflected in your CPF MediSave account.
Do I need to apply for this MediSave 2025 top-up?
No. If you meet the eligibility criteria, the top-up will be processed automatically by CPF.
How much will I receive?
Top-up amounts range from $150 to $450, depending on age and eligibility under other schemes like the Assurance Package or GST Voucher.
Can I use MediSave to pay for my insurance premiums?
Yes. You can use MediSave to pay for Integrated Shield Plan premiums, as well as CareShield Life and ElderShield plans.
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