Healthcare costs are one of the biggest concerns for Singaporeans, especially for those who are self-employed and may not enjoy the same employer CPF contributions as regular employees. To address this, the government has strengthened its support under the Workfare Income Supplement (WIS) scheme, ensuring that even self-employed workers get meaningful healthcare protection.
In 2025, part of the S$2,800 Workfare bonus will be credited directly into MediSave accounts, functioning like MediSave vouchers. This means self-employed Singaporeans and lower-wage workers do not just receive cash, but also secure a buffer for future medical expenses. It’s a move that ensures immediate financial help while preparing for long-term healthcare needs.
For delivery riders, taxi drivers, freelancers, and other SEPs (self-employed persons), this initiative is especially impactful, since medical emergencies can quickly drain savings. By having extra MediSave top-ups, they are better protected without needing to worry about whether they can afford treatment.
How the MediSave Voucher Works
The MediSave portion of the Workfare bonus is not a separate scheme—it is integrated into the Workfare payouts. Each year, eligible workers receive both cash and MediSave contributions. The MediSave top-up functions like a voucher, as it can only be used for approved healthcare purposes.
This ensures that while cash helps cover everyday expenses, the MediSave component strengthens long-term security. It’s like having a savings account locked specifically for healthcare, making sure money is there when you really need it.
Who Qualifies for MediSave Vouchers in 2025?
The eligibility follows the Workfare Income Supplement (WIS) rules. You must be:
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A Singapore Citizen
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At least 30 years old if employed, or 35 years old if self-employed
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Earning a gross monthly income of S$2,500 or below
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Making regular CPF contributions (employees through employers, SEPs via MediSave)
For SEPs, proof of income and MediSave contributions is required. Once you meet these conditions, you are automatically included—there is no need to apply.
How Much Will Be Credited to MediSave?
The amount depends on age, income, and employment type. Out of the S$2,800 Workfare bonus, a portion is directed into MediSave.
For example:
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A 35-year-old employee earning S$1,800 may get S$1,200 in cash and S$600 in MediSave.
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A 55-year-old worker earning S$2,000 may get S$1,700 in cash and S$900 in MediSave.
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A 60-year-old self-employed person earning S$1,500 could get the full S$2,800, with nearly S$900 going into MediSave.
This ensures that older and self-employed workers, who often face higher healthcare risks, receive stronger MediSave support.
How and When Will It Be Credited?
The MediSave top-up is credited quarterly, together with the cash portion of Workfare. Cash goes into your bank account, while MediSave contributions are transferred directly into your CPF MediSave account.
If you don’t have a bank account, cash will be given through GovCash, but the MediSave portion still goes into CPF automatically. No application is needed; everything is handled based on CPF and IRAS records.
Why It Matters for Self-Employed Singaporeans
For employees, employers contribute to CPF, which includes MediSave. But SEPs often struggle to set aside enough for healthcare. This scheme gives them a direct boost, ensuring they won’t be caught off guard during hospital visits or medical treatments.
By strengthening MediSave, the government not only helps cover immediate living costs through cash payouts but also secures long-term healthcare funding. It’s a balance between day-to-day survival and preparing for the future.
FAQs
What are MediSave vouchers in 2025?
They are not physical vouchers, but rather MediSave top-ups credited under the Workfare scheme. The money can only be used for approved healthcare needs.
Who qualifies for MediSave vouchers?
Singapore Citizens earning S$2,500 or less monthly, aged 30+ (employees) or 35+ (self-employed), who contribute to CPF or MediSave.
How much will I get?
The MediSave portion depends on your income and age. It can range from a few hundred dollars to nearly S$900 annually.
How will the payout be made?
Cash is paid quarterly into bank accounts or GovCash. The MediSave portion is automatically credited into your CPF account.
Do I need to apply?
No. If you qualify under Workfare, the MediSave vouchers are automatically credited without application.
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