Paying out CPF when you pass away

MediSave and MediShield Life/Integrated Shield Plan will be automatically used to pay the final hospitalisation bill.

The deceased’s spouse, parents, child (if age 21 or older), or donee/deputy can sign the form at the hospital within two weeks of the member’s demise. This should be done as soon as possible, as hospitals have to submit a MediSave claim before the member’s CPF savings are distributed.

If there’s no immediate family or donee/deputy, other relatives of the deceased can sign the MCAF, with the approval of the Ministry of Health. The hospital can help you obtain this approval. 

If an outstanding housing loan was insured by the deceased under the HPS, we will automatically assess the deceased’s claim eligibility once CPF Board is notified of the member’s death by the Immigration and Checkpoints Authority (ICA). 

CPF Board will inform the co-owner(s) or next-of-kin of the outcome and if additional information is required. 

When the claim is approved, the outstanding loan will be paid directly to the mortgagee. 

There’s no need to refund the CPF savings that the deceased had used to buy a property. The property won’t be covered by CPF nomination and will be part of the estate. 

The deceased’s share in a property with a joint tenancy automatically passes to the remaining owner(s).

If there’s a tenancy-in-common or property was solely owned, the deceased's share will be inherited under their will if they had written one. Otherwise, intestacy laws will apply.  

If the deceased used CPF savings under the CPF Education Loan Scheme, there’s no need to repay either the CPF savings used or any accrued interest.

If the deceased was insured under MediShield Life/Integrated Shield Plan, the respective cover automatically ends. We’ll refund any unused premiums to the payer's MediSave Account. The unused period is the number of days remaining in the policy year from the date the member passed, excluding the day of their demise.

If the deceased was insured under CareShield Life and ElderShield, refunds to the payer's MediSave Account will be made only if the insured passes away within the first 60 days of the first policy year.