What to do with flexible medical benefits - use it, or let it go into Medisave as per company policy for unused amount?

So if you don't use can you get cash instead?

Coz this then reduces down to cash vs topup MA account. The latter has tax relief and nice interest so worth if you would be saving anyway (and from your situation sounds like MA you dip into regularly anyway so isn't a huge liquidity trap)

There are limits so look at CPF website to make sure you get the full benefits of the tax deductions

If you need to use it, then you have to use it - no other choice right?

If you do not need to use it, it becomes your savings in your MediSave, which compounds at 4% interest per annum - definitely a good bonus to have!

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