💊 MediSave · CDMP · CHAS · Flexi-MediSave · Chronic Disease 2026

Chronic Disease Management MediSave Estimator Singapore 2026
S$500–S$700 CDMP Limit, Flexi-MediSave S$200, Cancer Screening S$300 & CHAS Subsidy

Calculate your annual MediSave budget for chronic disease management under the CDMP — S$500/yr for 1–3 conditions, S$700/yr for 4+ conditions. Add Flexi-MediSave (S$200/yr for age 65+), cancer screening (S$300/yr separate pool), and CHAS Orange or Blue card subsidies (60–75% off consultations). See your total MediSave pool, CHAS savings, and net annual cash outlay with stacked cost breakdown chart.

✓ S$500 (1–3 conditions) ✓ S$700 (4+ conditions) ✓ Flexi-MediSave age 65+ ✓ CHAS Orange & Blue ✓ Cancer Screening S$300
CDMP 1–3 ConditionsS$500/yr
CDMP 4+ ConditionsS$700/yr
Flexi-MV (65+)+S$200/yr
Cancer Screening+S$300/yr
CHAS Blue~75% off
💊 CDMP Inputs
Number of Chronic Conditions

CDMP covers 19 approved chronic conditions. The MediSave withdrawal limit is S$500/yr if you have 1–3 conditions, and S$700/yr if you have 4 or more. Each condition must be managed at a CDMP-enrolled clinic (polyclinic or CHAS GP).

CHAS Card Status

CHAS subsidies apply to consultation fees at CHAS-enrolled GP clinics for CDMP management. Blue card: per capita household income ≤ S$1,400/mo or 1–2 room HDB flat. Orange card: PCI S$1,401–S$2,800/mo. Pioneer and Merdeka Generation members receive enhanced CHAS benefits.

Your Age & Annual Costs
years

Age 65 and above unlocks an additional Flexi-MediSave of S$200/yr — usable for approved outpatient services at polyclinics and restructured hospital outpatient departments. This is in addition to the standard CDMP limit.

S$

Total annual consultation fees for CDMP-covered conditions. Typical per-visit fees: polyclinic S$10–S$50 (with subsidy), CHAS GP S$20–S$65 before CHAS subsidy. Multiply per-visit fee by number of visits per year across all CDMP conditions.

S$

Annual cost of prescribed medications for all CDMP conditions (e.g., metformin, amlodipine, statins, inhalers). Medications prescribed as part of CDMP management at enrolled clinics are MediSave-claimable within the annual limit.

S$

Annual cost of lab tests ordered for CDMP monitoring (e.g., HbA1c for diabetes, lipid panel, eGFR for CKD, ECG for AF). These are MediSave-claimable when ordered as part of CDMP management at an enrolled clinic.

Approved cancer screening (mammogram, colonoscopy, pap smear, PSA test, faecal immunochemical test) has a separate MediSave pool of S$300/yr — it does not reduce your CDMP limit.

💊 CDMP Budget Analysis
💊

Select your number of chronic conditions, CHAS card status, enter your age and estimated annual costs to see your total CDMP MediSave pool, CHAS subsidy, Flexi-MediSave (65+), and net annual cash outlay for chronic disease management in Singapore 2026.

Annual Costs: CHAS Subsidy (green) + MediSave CDMP (teal) + Net Cash (yellow)

CDMP MediSave Singapore 2026 — S$500 vs S$700 Annual Limit, All 19 Approved Conditions & Flexi-MediSave for Seniors

The Chronic Disease Management Programme (CDMP) is Singapore’s primary MediSave scheme for managing long-term conditions at outpatient level — reducing the financial burden of regular GP visits, medication, and monitoring tests. Under CDMP 2026: members with 1–3 approved chronic conditions can withdraw up to S$500/yr from MediSave for CDMP-related outpatient expenses. Members with 4 or more conditions can withdraw up to S$700/yr. Crucially, these limits can be supplemented by: (1) Flexi-MediSave S$200/yr for members aged 65 and above (for approved services at polyclinics and restructured hospital outpatient departments); and (2) a separate Cancer Screening pool of S$300/yr for approved screenings — which does not count against the CDMP limit.

All 19 CDMP-Approved Chronic Conditions Singapore 2026

Diabetes Mellitus Hypertension Hyperlipidaemia Stroke Asthma COPD Major Depression Schizophrenia Bipolar Disorder Dementia Epilepsy Parkinson’s Disease Osteoarthritis Benign Prostatic Hyperplasia Chronic Kidney Disease Heart Failure Atrial Fibrillation Anxiety Disorders Selected Cancers

CDMP MediSave Limit, Flexi-MediSave & Cancer Screening Summary 2026

SchemeAnnual LimitWho QualifiesWhere Claimable
CDMP (1–3 conditions)S$500/yrAny age, SC/PR, 1–3 CDMP conditions at enrolled clinicPolyclinic, CHAS GP, enrolled private clinic
CDMP (4+ conditions)S$700/yrAny age, SC/PR, 4 or more CDMP conditionsPolyclinic, CHAS GP, enrolled private clinic
Flexi-MediSave+S$200/yrSingapore Citizens aged 65+Polyclinics and restructured hospital OPD only
Cancer Screening+S$300/yr (separate)SC/PR, approved screening testsPolyclinic, CHAS GP, approved centres
Max combined pool (65+, 4+ cond.)S$1,200/yrSC age 65+, 4+ CDMP conditions + cancer screeningCDMP + Flexi + Cancer pools combined

CHAS Card CDMP Subsidies — Orange vs Blue vs Pioneer/Merdeka 2026

CHAS CardEligibilityCDMP Consult Subsidy (at CHAS GP)Typical Net Fee/Visit
No CHASAny memberNoneS$30–S$65/visit (private GP)
Orange CardPCI S$1,401–S$2,800/mo~60% subsidyS$12–S$26/visit
Blue CardPCI ≤ S$1,400/mo or 1–2 room HDB~75% subsidyS$8–S$16/visit
Pioneer GenBorn 1949 or earlierEnhanced (Blue rate or better)S$0–S$5/visit at polyclinic
Merdeka GenBorn 1950–1959Enhanced (Orange+ rate)S$5–S$12/visit

How This CDMP MediSave Calculator Works — Condition Count, CHAS Stacking & Flexi-MediSave

Step 1 — Select Condition Count and CHAS Card

Toggle 1–3 conditions (S$500/yr CDMP limit) or 4+ conditions (S$700/yr). Then select your CHAS card status — Orange (60% off consultations) or Blue (75% off). CHAS subsidies apply first, reducing your out-of-pocket cost before MediSave is used. The combination of CHAS + CDMP MediSave + Flexi-MediSave creates a multi-layer subsidy that can dramatically reduce chronic disease costs.

Step 2 — Enter Age and Annual Cost Estimates

Enter your age (65+ triggers Flexi-MediSave S$200/yr automatically) and your estimated annual costs across three categories: consultation fees, medication costs, and lab test costs. The calculator applies CHAS subsidy to consultations first, then deducts MediSave CDMP from the remaining eligible costs.

Step 3 — See Total Pool, Net Cash and 5-Year Projection

The results show your total CDMP MediSave pool (CDMP + Flexi-MV + Cancer Screening), the CHAS subsidy, MediSave claimable amount, net annual cash outlay, and a 5-year projection. The stacked bar chart breaks down each cost category into CHAS-covered, MediSave-covered, and remaining cash portions.

3 Real Singapore CDMP Examples — Diabetic HDB Retiree, Middle-Aged Multi-Condition & Polyclinic Pioneer

Retiree, 68, Diabetic + HTN + HL

Conditions3 (CDMP S$500)
Age 65+ Flexi-MV+S$200
CHAS Blue card~75% off consult
Annual total costs~S$700
CHAS subsidy~S$225
Net cash outlay~S$0

Age 55, 5 Conditions, CHAS Orange

Conditions5 (CDMP S$700)
Annual costs~S$1,200
CHAS Orange~S$240 saved
MediSave CDMPS$700 claimed
Net cash~S$260/yr
Without supportS$1,200/yr

Pioneer Gen, 76, Polyclinic Patient

CDMPS$700 (4+ cond.)
Flexi-MediSave+S$200
Cancer screening+S$300
Total MV poolS$1,200/yr
Pioneer Gen CHASEnhanced
Est. net cashNear zero

3 Expert CDMP Tips — Stack CHAS + MediSave, Get Enrolled Today & 4th Condition Strategy

1

Stack CHAS Card + CDMP MediSave + Flexi-MediSave for Near-Zero Chronic Disease Costs

The most powerful strategy for Singaporeans with chronic conditions is to use all three subsidy layers simultaneously. Example: a 68-year-old Blue CHAS card holder with diabetes, hypertension, and high cholesterol, who visits a CHAS GP 8 times a year at S$50/visit before subsidy: (1) CHAS Blue: 75% off → S$10/visit, S$80 total consultations; (2) Medications: ~S$200/yr from CDMP MediSave (S$500 pool); (3) Lab tests (HbA1c, lipid panel, urine ACR): ~S$180/yr from remaining CDMP pool; (4) Flexi-MediSave S$200 covers polyclinic visits beyond CDMP limit. Total cost to patient: often S$0–S$30/yr in cash, compared to S$600–S$1,000/yr without any subsidies. The key: visit only CHAS-enrolled GP clinics (check at chas.sg), and ensure your doctor registers each condition under CDMP properly — the CDMP code must appear on your consultation bill for MediSave to be claimable.

2

The 4th Condition Threshold: S$200 Extra MediSave for One More Diagnosis

Many Singaporeans with 3 chronic conditions (CDMP limit: S$500/yr) are unaware that diagnosing and formally enrolling a 4th CDMP-covered condition increases the annual MediSave limit to S$700/yr — an extra S$200/yr. Common scenarios where a 4th condition may already exist but not be enrolled: (a) A patient with diabetes, hypertension, and high cholesterol often also has early Chronic Kidney Disease (CKD) — eGFR testing confirms this at standard GP visits; (b) A patient with hypertension and anxiety may also qualify for a formal Major Depression CDMP enrolment; (c) Many older patients with hypertension and lipid disorders also have undiagnosed Atrial Fibrillation. Ask your GP to check whether any of your current health issues qualify as a 4th CDMP condition — the S$200/yr extra MediSave over 10 years is S$2,000, with zero additional medical risk.

3

Get Your CHAS Card Before You Retire — Income Assessment Uses Last Year’s IRAS Data

CHAS card eligibility is assessed based on the previous year’s IRAS income data. This creates an important timing consideration: if you are planning to retire or significantly reduce income, you should apply for CHAS in the year your income drops below the threshold — not the year after. A person who retires in 2025 will have 2024 IRAS income assessed for the 2026 CHAS application. If 2024 income was above S$2,800/mo per capita, they may not qualify for 2026 even though their current income is zero. The CHAS card is reassessed every 3 years. For those who recently retired or experienced significant income reduction, apply at chas.sg as soon as possible — the Blue card can save S$1,500–S$3,000/yr in healthcare costs for retirees with multiple chronic conditions.

16 FAQs — CDMP MediSave Singapore 2026, S$500 vs S$700 Limit, CHAS Subsidies & Flexi-MediSave

What is the CDMP and who is eligible?+
The Chronic Disease Management Programme (CDMP) is a Singapore government programme that allows MediSave to be used for outpatient management of approved chronic conditions — consultations, medications, and investigations — at enrolled clinics. Eligibility: any Singapore Citizen or PR with one or more of the 19 approved CDMP conditions, managed at a polyclinic or CDMP-enrolled CHAS GP clinic or restructured hospital outpatient clinic. No specific income requirement for CDMP MediSave itself (CHAS subsidies have separate income criteria). The annual MediSave limit is S$500/yr for 1–3 conditions and S$700/yr for 4 or more conditions.
What is the difference between CDMP S$500 and S$700 limits?+
The CDMP MediSave limit increases with the number of approved chronic conditions managed under the programme: 1–3 conditions: S$500/yr · 4 or more conditions: S$700/yr. The S$700 limit applies when at least 4 CDMP-approved conditions are being actively managed at CDMP-enrolled clinics. The conditions must all be registered under CDMP (not just diagnosed) — each must appear on the bill with the CDMP billing code for MediSave to be claimable for that condition’s treatment. The total annual withdrawal cannot exceed the applicable limit (S$500 or S$700) per policy year, combined across all CDMP-enrolled clinics.
What is Flexi-MediSave and who can use it?+
Flexi-MediSave is an additional S$200/yr MediSave withdrawal allowance for Singapore Citizens aged 65 and above, for use at polyclinics and restructured hospital outpatient departments. It supplements (does not replace) the CDMP limit — so a 65+ member with 4+ CDMP conditions can use S$700 (CDMP) + S$200 (Flexi-MediSave) = S$900/yr from MediSave for outpatient chronic disease management. Flexi-MediSave cannot be used at private GP clinics — only polyclinics (NHGP, SingHealth Polyclinics, NHG Polyclinics, PHPC clusters) and restructured hospital outpatient departments. This restriction encourages seniors to use the subsidised restructured hospital system.
Does the cancer screening MediSave pool affect the CDMP limit?+
No. The cancer screening MediSave pool of S$300/yr is completely separate from the CDMP MediSave limit. Using S$300 for a colonoscopy, mammogram, pap smear, or PSA test does not reduce your S$500/S$700 CDMP limit. You can access both pools in the same year: S$500 or S$700 for CDMP management + S$300 for cancer screening = up to S$1,000 in MediSave per year for outpatient healthcare (or S$1,200 for age 65+ with Flexi-MediSave). Approved cancer screenings: mammogram (women 40+), pap smear (women 25–74), colorectal cancer screening/colonoscopy (men and women 50+), lung cancer screening (eligible smokers), and PSA test (men 50+). Check screeningforlife.gov.sg for the full approved list.
Which clinics are enrolled for CDMP?+
CDMP MediSave can be used at: (1) All polyclinics — NHGP, SingHealth Polyclinics, NHG Polyclinics; (2) CHAS-enrolled GP clinics — search at chas.sg/find-a-gp; (3) Restructured hospital outpatient departments for specialist CDMP management; (4) Some PHPC (Primary Health Care Provider) clinics. Private GP clinics not enrolled in CHAS or PHPC cannot bill CDMP MediSave. Before each visit, ask the clinic: “Are you enrolled in CDMP?” and “Will this consultation be billed under CDMP for MediSave claim?” The CDMP code must appear on your receipt or bill for MediSave to be claimable.
What costs are covered under CDMP MediSave?+
CDMP MediSave covers three types of costs when related to an approved chronic condition at an enrolled clinic: (1) Consultation fees: the doctor’s fee for each CDMP visit; (2) Prescribed medications: medications directly prescribed for the CDMP condition (e.g., metformin for diabetes, amlodipine for hypertension, statins for hyperlipidaemia); (3) Investigations and monitoring tests: laboratory tests ordered as part of CDMP monitoring (e.g., HbA1c, fasting glucose, lipid panel, eGFR, urine ACR, ECG). Costs not covered: over-the-counter supplements, vitamins, herbal remedies, non-CDMP conditions on the same bill, or specialist referral fees not related to CDMP management.
How does CHAS subsidy interact with CDMP MediSave?+
CHAS and CDMP MediSave work together as a two-layer subsidy. The CHAS subsidy is applied first: it reduces the billed amount at the CHAS GP clinic. The remaining bill (after CHAS) is then eligible for MediSave under the CDMP limit. Example: S$50 consultation at a CHAS GP: (1) CHAS Blue (75% off): bill reduced to S$12.50; (2) Medications S$100: no CHAS on meds, full S$100 eligible; (3) Total eligible for CDMP MediSave: S$12.50 + S$100 = S$112.50; (4) Claimed from CDMP MediSave pool (up to S$500 or S$700). The net result: CHAS subsidies effectively stretch the CDMP MediSave pool further, as the consultation component (often the largest) is heavily subsidised before MediSave is applied.
Does the CDMP limit reset every year?+
Yes. The CDMP MediSave limit of S$500/yr (1–3 conditions) or S$700/yr (4+ conditions) resets annually on 1 January each year. Unused limit from one year cannot be carried forward to the next — if you only use S$300 of your S$500 CDMP limit, the remaining S$200 is not added to next year’s limit. Similarly, Flexi-MediSave S$200/yr and Cancer Screening S$300/yr both reset annually. For members who have very low annual CDMP costs (e.g., well-controlled conditions with infrequent visits), the CDMP limit may not be fully used each year — but the unused amount is lost at year-end.
How do I enrol in CDMP?+
CDMP enrolment happens automatically when you seek treatment for an approved chronic condition at a polyclinic or CHAS-enrolled clinic — there is no separate application form. The clinic registers the condition under CDMP when they bill the visit. If you are already visiting a CHAS GP for a chronic condition and the MediSave claim is not appearing, ask the clinic to confirm that: (1) the clinic is CDMP-enrolled (not just CHAS-registered — they must be enrolled for CDMP billing); (2) the condition is on the approved CDMP list; (3) the consultation bill includes the CDMP billing code. Some private GPs are CHAS-registered but not CDMP-enrolled — these cannot process CDMP MediSave claims.
Can I use CDMP MediSave for psychiatric or mental health conditions?+
Yes. Four psychiatric conditions are on the approved CDMP list: Major Depression, Schizophrenia, Bipolar Disorder, and Anxiety Disorders. For psychiatric CDMP claims, the management must typically be at a Institute of Mental Health (IMH) outpatient clinic, polyclinic with psychiatric services, or approved restructured hospital psychiatric outpatient department. Some CHAS GPs with mental health training are also enrolled. Psychiatric medications (antidepressants, mood stabilisers, antipsychotics) prescribed for these conditions are MediSave-claimable within the CDMP limit. This is a relatively underused benefit — many Singaporeans with depression and anxiety do not realise their GP consultations and medications for these conditions may be MediSave-claimable under CDMP.
Can PRs use CDMP MediSave?+
Yes. Both Singapore Citizens and Permanent Residents can use CDMP MediSave within the same annual limits (S$500/yr for 1–3 conditions, S$700/yr for 4+ conditions). PRs can also use Flexi-MediSave if aged 65+ (same conditions apply: polyclinics and restructured hospital OPD only). However, CHAS subsidies are only for Singapore Citizens — PRs do not receive CHAS card subsidies. Cancer screening MediSave pool of S$300/yr is available to PRs as well. Flexi-MediSave: PRs aged 65+ are eligible for the S$200/yr Flexi-MediSave at polyclinics and restructured hospital OPD.
What are the 5 most common CDMP conditions among Singaporeans?+
Based on MOH data, the most common chronic conditions managed under CDMP are: (1) Hypertension — affects approximately 1 in 3 adult Singaporeans over 40; (2) Hyperlipidaemia (high cholesterol) — often co-exists with hypertension and diabetes; (3) Diabetes Mellitus — approximately 1 in 9 Singaporeans has diabetes (rising); (4) Osteoarthritis — very common among Singaporeans over 60; (5) Asthma — high prevalence due to Singapore’s climate and urbanisation. Many Singaporeans have all three of the first three (Hypertension + Hyperlipidaemia + Diabetes) — this automatically qualifies for the S$500/yr CDMP limit (3 conditions). Adding a 4th condition (e.g., CKD, which commonly accompanies diabetes) triggers the higher S$700/yr limit.
How do I check my remaining CDMP MediSave balance for the year?+
Log in to Singpass → my.cpf.gov.sg → Healthcare → MediSave → MediSave Transaction History. You can see each CDMP MediSave withdrawal, the clinic that billed it, and the cumulative amount used for the current year. To check remaining CDMP balance: subtract total CDMP withdrawals year-to-date from your annual limit (S$500 or S$700). CPF Board does not provide a real-time “CDMP remaining balance” display — you must calculate it manually from the transaction history. Some CDMP-enrolled clinics can also check your remaining CDMP limit at the time of billing before processing the MediSave claim.
Can CDMP MediSave be used for teleconsultations?+
Yes, with conditions. Teleconsultation (video or phone) at approved CDMP-enrolled clinics is eligible for CDMP MediSave claims — provided: (1) the teleconsultation platform is MOH-licensed; (2) the clinic is CDMP-enrolled; (3) the condition treated is on the CDMP approved list; (4) medications prescribed during the teleconsult are dispensed through the clinic’s CDMP-enrolled dispensary. The pandemic period normalised teleconsultation for chronic disease management, and many polyclinics and CHAS GPs now offer CDMP-eligible teleconsultations for stable chronic condition follow-up. Check with your specific clinic whether their teleconsultation service supports CDMP MediSave billing before using it.
How does CDMP interact with MediShield Life for outpatient bills?+
CDMP and MediShield Life (MSL) are complementary but separate schemes. CDMP covers outpatient management of chronic conditions — regular GP visits, medications, and monitoring tests for stable chronic diseases. MSL covers hospitalisation and inpatient care (plus selected expensive outpatient treatments like chemotherapy and dialysis). If a CDMP patient is hospitalised for a complication of their chronic condition (e.g., diabetic ketoacidosis, hypertensive emergency), the inpatient bill is covered by MediShield Life — not CDMP MediSave. The outpatient follow-up care post-discharge would then revert to CDMP coverage. The two schemes address different care settings and do not overlap or compete for the same bills.
Where can I find more information about CDMP and CHAS in Singapore?+
Official resources: (1) CDMP information: cpf.gov.sg/cdmp; (2) CHAS card eligibility & clinic finder: chas.sg; (3) Cancer screening programme: screeningforlife.gov.sg; (4) HealthHub app (for tracking CDMP visits and MediSave transactions); (5) MOH hotline: 6325 9220 for CDMP queries. For CHAS application: apply online at chas.sg/apply with Singpass; NRIC and income documentation required for income assessment.

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Legal Disclaimer & Editorial Transparency. CDMP MediSave limits: S$500/yr (1–3 approved conditions), S$700/yr (4+ conditions) as of 2026. Flexi-MediSave: S$200/yr for Singapore Citizens and PRs aged 65+ at polyclinics and restructured hospital OPD. Cancer Screening MediSave pool: S$300/yr (separate from CDMP). All limits reset annually on 1 January. CHAS subsidy figures are indicative — actual subsidy amounts depend on CHAS card tier, condition, clinic, and MOH fee tables. Blue card ~75%, Orange card ~60% are approximations for CDMP consultations at CHAS GP clinics. Polyclinic rates differ. Pioneer and Merdeka Generation members receive enhanced CHAS benefits. PRs do not receive CHAS subsidies. Verify at cpf.gov.sg/cdmp and chas.sg. Not medical or financial advice. Operated by MAFHH INTERNATIONAL LTD.