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In line with Singapore’s continued efforts to support older citizens, the government will automatically credit a CPF MediSave top-up of between $150 and $450 for eligible seniors this August 2025. This annual top-up is part of the wider support package under the Assurance Package and the GST Voucher (GSTV) scheme.
Designed to help seniors manage their healthcare costs, the MediSave top-up provides a meaningful boost to CPF savings without requiring any action from recipients. In this article, we will explain who qualifies for the payout, how much each person will receive, and how the money can be used.
What Is the CPF MediSave Top-Up?
The CPF MediSave top-up is a government initiative that provides annual contributions to the CPF MediSave accounts of eligible Singaporeans, particularly those in the older age groups. These top-ups are meant to help cover future healthcare expenses such as hospital bills, approved outpatient treatments, and MediShield Life premiums.
The top-up is part of several national support schemes aimed at helping Singaporeans cope with the rising cost of living, including healthcare inflation. The funds are directly credited to the individual’s CPF MediSave account, which means recipients do not need to apply or take any action to receive them.
How Much Will You Receive?
For 2025, eligible seniors will receive between $150 and $450, depending on their age and income level. The exact amount will vary based on several factors, including:
- Age (as of 31 December 2025)
- Annual Assessable Income
- Annual Value (AV) of place of residence
- Number of properties owned
Generally, seniors who are older, have lower income, and live in lower-value HDB flats will receive higher amounts. Those in the higher-income brackets or who own more than one property will either receive a reduced amount or may not qualify at all.
Who Is Eligible for the Top-Up?
To be eligible for the 2025 MediSave top-up, you must meet the following criteria:
- Be a Singapore citizen
- Be aged 65 years or older as of 31 December 2025
- Have an Annual Value of home not exceeding $21,000
- Not own more than one property
- Have a lower to middle income (as assessed based on the previous year’s income tax records)
Eligibility is automatically assessed using government data from the Inland Revenue Authority of Singapore (IRAS), the Central Provident Fund (CPF), and the Housing & Development Board (HDB).
There is no need to apply. If you qualify, you will receive a notification from CPF or the relevant government agency by mail or SMS before the payout is made.
When Will the Top-Up Be Credited?
The top-up will be automatically credited to eligible seniors’ CPF MediSave accounts in August 2025. The exact date of the credit may vary slightly, but the majority of recipients can expect to receive it in the second or third week of August.
CPF will also send a confirmation SMS once the top-up has been successfully credited, provided your mobile number is registered with them.
How Can the Funds Be Used?
The money credited into your MediSave account can be used for a wide range of approved healthcare expenses, including:
- Hospitalisation at public or private healthcare institutions
- Day surgeries
- Selected outpatient treatments, such as dialysis or chemotherapy
- Health screenings and vaccinations (under approved schemes)
- Payment of MediShield Life premiums
- Payment of integrated shield plan premiums (up to applicable withdrawal limits)
MediSave cannot be withdrawn in cash and is strictly meant for medical and healthcare-related purposes. However, it plays an important role in ensuring that seniors are financially protected when health issues arise.
How to Check If You’ve Received the Top-Up
If you are eligible and expecting the top-up in August, you can check your CPF transaction history via the following methods:
- Log in to the CPF website with your Singpass
- Use the CPF Mobile app
- Call the CPF hotline or visit a CPF Service Centre
You will see the transaction listed as “Government Top-Up” or a similar description in your MediSave account summary.
It is also important to ensure your contact and bank details with CPF are up to date so you don’t miss any official notifications or future payouts.
What If You Don’t Receive the Top-Up?
If you believe you qualify but have not received the top-up by the end of August, you may:
- Check your eligibility through the official GST Voucher website or CPF portal
- Contact CPF directly through their hotline or online form
- Ensure that your latest income and property information has been updated in the government’s records
In some cases, individuals may not receive the top-up if their address, property status, or income information has not been updated correctly.
Other Related Benefits for Seniors
In addition to the MediSave top-up, eligible seniors may also receive other support under the Assurance Package and GST Voucher Scheme, including:
- Cash payouts of $450 to $850 (credited to bank accounts or via PayNow in August)
- U-Save rebates for HDB households to offset utility bills
- Service and Conservancy Charges (S&CC) rebates
- Additional MediSave top-ups under other healthcare support schemes
These combined efforts are part of the government’s commitment to easing financial pressure on seniors, especially those with limited means or who are retired.
Final Thoughts
The CPF MediSave top-up of $150 to $450 in August 2025 is a meaningful form of support for Singaporean seniors, ensuring they can better manage rising healthcare costs without dipping into their day-to-day savings. It reflects the government’s focus on promoting financial security and peace of mind for older citizens.
If you or a family member is aged 65 or above, it is worth checking eligibility for this automatic benefit. No application is required, and once credited, the funds are ready to be used for approved medical purposes.
Staying informed and keeping your personal records up to date with CPF and other agencies will ensure you don’t miss out on this or any future financial assistance schemes.