MediSave & the CDMP in Singapore 2026: Coverage, the New 2027 Limits, and Managing Home-Care Costs

Singapore officially became a super-aged society in 2026, with more than one in five residents now aged 65 and above. As the Ministry of Health (MOH) reshapes the system around longer lives and more chronic illness, one question matters to almost every family: how do I pay for ongoing care without it draining the household budget? A large part of the answer is MediSave and the Chronic Disease Management Programme (CDMP). This guide explains what is covered in 2026, what changes in 2027, and how to manage the home-care costs that sit alongside clinical treatment.

What is the Chronic Disease Management Programme (CDMP)?

The CDMP is an MOH programme that lets Singaporeans and Permanent Residents use their MediSave to pay for the outpatient treatment of approved chronic conditions, plus selected vaccinations and preventive screening tests. It is available at polyclinics, public hospital Specialist Outpatient Clinics (SOCs) at institutions such as Singapore General Hospital (SGH), National University Hospital (NUH), Tan Tock Seng Hospital (TTSH) and Changi General Hospital (CGH), and at more than 1,250 MediSave-accredited GP and private specialist clinics island-wide. The aim is simple: keep chronic disease well-controlled in the community so patients avoid expensive hospital admissions and complications down the line.

Which conditions are covered under the CDMP in 2026?

The CDMP currently covers 23 chronic conditions. The most common include:

• Diabetes mellitus — including its complications such as diabetic foot and diabetic eye disease
• Hypertension (high blood pressure)
• Lipid disorders (high cholesterol)
• Stroke and its rehabilitation needs
• Chronic Obstructive Pulmonary Disease (COPD) and asthma
• Major mental health conditions, osteoarthritis, osteoporosis, chronic kidney disease and several others

This breadth matters for older Singaporeans, who often live with two or three of these conditions at once — a situation the higher withdrawal tier is specifically designed to support.

How much can I claim from MediSave in 2026?

The current limits under the MediSave 500/700 scheme are tiered by complexity:

• S$500 per patient, per year — for a single chronic condition without complications.
• S$700 per patient, per year — if you are treated for two or more CDMP conditions, or for one condition with a recognised complication (for example, diabetes with a diabetic foot ulcer or kidney involvement).

The limit applies on a per-patient basis. If your own MediSave balance is insufficient, you can tap a family member's MediSave account, up to the prevailing limit. You can track exactly how much CDMP MediSave you have used in a separate summary on your CPF statement — log in to the CPF website with your Singpass, or ask your clinic to check the balance on your behalf.

Is there a co-payment?

Yes. Each MediSave CDMP claim normally carries a 15% co-payment in cash. However, since 1 February 2024, this 15% co-payment is waived when you receive CDMP treatment at the Healthier SG clinic you are enrolled with. This is one of the clearest financial reasons to enrol in Healthier SG and stick with a regular family doctor — continuity of care plus a smaller out-of-pocket bill.

What is changing on 1 January 2027?

Announced at Budget 2026, several enhancements take effect from 1 January 2027:

• The basic annual limit rises from S$500 to S$700.
• The limit for patients with complex chronic conditions rises from S$700 to S$1,000.
• The scheme is renamed the MediSave Chronic and Preventive Care scheme, reflecting a stronger focus on prevention.
• Hyperthyroidism and hypothyroidism are added to the covered list, so thyroid patients gain both the higher limit and CHAS subsidies.

For families managing diabetes, heart disease or stroke at home, these increases provide meaningful breathing room against rising treatment costs.

Does MediSave or CDMP pay for wound dressings, ostomy bags or home-care supplies?

This is the most common misunderstanding, so it is worth being precise. The CDMP is designed to fund clinical treatment — consultations, medication, and approved investigations for your chronic condition. It is not a general allowance for retail consumables. Everyday home-care items — advanced wound dressings, ostomy pouches and barriers, compression bandages, blood-glucose test strips bought outside a subsidised channel, skincare and nutritional supplements — are typically paid out of pocket.

Because these recurring supply costs add up, they are exactly where a nurse-led specialist supplier helps. EMIS+ stocks authentic ostomy, wound-care and home-healthcare products in Singapore with transparent pricing and clinical guidance, so the portion of care MediSave does not cover stays affordable and predictable. If you are unsure whether a specific item is subsidised, always check with your polyclinic, pharmacist or enrolled Healthier SG clinic first.

Practical steps to make MediSave work for your family

1. Enrol in Healthier SG with a regular GP or polyclinic to unlock the 15% co-payment waiver on CDMP claims.
2. Consolidate visits — if you have two or more chronic conditions, managing them in the same visit may qualify you for the higher withdrawal tier.
3. Check your CPF statement via Singpass each year to see your remaining CDMP MediSave balance.
4. Budget separately for recurring home-care consumables that MediSave does not cover, and buy from a reputable Singapore supplier to ensure authenticity and value.
5. Ask before you assume — subsidy rules change, so confirm coverage with your clinic for your specific situation.

This article is general information for Singapore residents and is not financial or medical advice. Scheme details are based on MOH and CPF announcements current as of June 2026 and may change. For decisions about your treatment, medication or supplies, please consult your doctor, pharmacist or enrolled Healthier SG clinic.

Written by emis.asia — Singapore's nurse-led medical supplies store for ostomy care, wound care and home healthcare.