The Basic Healthcare Sum (BHS) is the estimated savings you will need for your basic subsidised healthcare expenses in old age. It is the maximum amount you can have in your MediSave Account (MA). If you have less than the BHS at age 65, you are not required to top up your MA. However, you may choose to top up your MA using cash if you would like to build up your healthcare savings. You can do so via this form to make cash top-ups to your own or your loved ones’ MA.