Data on CPF Members with Arrears in MediSave Contributions and Assistance Given

Mr Gan Thiam Poh asked the Minister for Manpower (a) what is the current percentage and number of CPF members who currently have MediSave contributions in arrears; (b) what are the reasons for the arrears; (c) how many appeals have been received and approved for either a waiver or an instalment plan for the arrears; and (d) what assistance can be further extended to those in financial difficulties and have their MediSave contributions in arrears.

Dr Tan See Leng: While employers process both the employees' and employers' share of Central Provident Fund (CPF) contributions for their employees, self-employed persons (SEPs) are responsible for making their own MediSave contributions after declaring their income for the year. As of 2024, around 75% were able to meet their MediSave obligations in a timely manner. This trend has remained stable over the past five years.

Amongst the 25% of SEPs who were unable to do so 1 , the primary reason for not being able to keep up is financial difficulties. SEPs can choose to make their MediSave contributions through monthly instalments via the CPF website. The CPF Board will work closely with SEPs to work out an affordable instalment plan, based on the SEP’s circumstances. For SEPs who are unable to make any MediSave contributions and are in need of further financial assistance, CPF Board will refer them to other agencies such as the Ministry of Social and Family Development Social Service Offices for financial support.

Note(s) to Question No(s) 16:

1 Comprises SEPs who (i) have not fully paid up their MediSave contributions, and (ii) are not on GIRO instalment plans of 12 months or less, as at end December 2024.