The Basic Healthcare Sum (BHS) is the estimated savings you need in your MediSave Account for your basic subsidised healthcare needs in old age. It is the maximum amount you can have in your MediSave Account (MA).

 

For CPF members below age 65, the BHS will be adjusted annually to keep pace with the expected growth in MediSave use by the elderly. This ensures that the BHS will stay relevant for each cohort when they reach retirement age.

 

Once CPF members reach age 65, their BHS will be fixed for the rest of their lives.

 

For CPF members aged below 65 in 2025
The prevailing BHS is $75,500, and will be adjusted yearly.

For CPF members who turn 65 in 2025
The cohort BHS is $75,500 and it will remain fixed for the rest of their lives.

The following table summarises the BHS for respective cohorts aged 65 and above in 2025:

 

Age in 2025	Year when cohort turned age 65	Cohort BHS (fixed for life)
65	2025	$75,500
66	2024	$71,500
67	2023	$68,500
68	2022	$66,000
69	2021	$63,000
70	2020	$60,000
71	2019	$57,200
72	2018	$54,500
73	2017	$52,000
74 and above	2016 or earlier	$49,800