Can Merdeka Generation Seniors Claim Subsidies for Traditional Chinese Medicine in 2026?

If you are a Merdeka Generation senior in Singapore, you might wonder whether your healthcare benefits extend to Traditional Chinese Medicine (TCM). The good news is that yes, Merdeka Generation subsidies can help cover TCM consultations and treatments at selected clinics. But the exact coverage and how to access it are not always straightforward. Let us walk through the details so you know exactly what is available in 2026 and how to make the most of it.

What Are Merdeka Generation TCM Subsidies?

The Merdeka Generation Package, introduced in 2019, provides additional outpatient care subsidies for seniors born between 1950 and 1959 (or those who became Singapore citizens before 1996 and have relevant pioneering status). One of the benefits is subsidised TCM treatment at clinics that are part of the Community Health Assist Scheme (CHAS).

Since 2019, MOH has expanded the types of clinics where Merdeka Generation seniors can use their subsidies. TCM is now included, but only at clinics that have signed up to provide CHAS subsidies for TCM services. In 2026, the scheme remains in place, and the list of participating TCM clinics is updated regularly.

Are All TCM Clinics Covered?

No. Only TCM clinics approved by MOH under the CHAS scheme can offer subsidised rates to Merdeka Generation cardholders. You can find the full list on the CHAS website or by calling the CHAS hotline. Most clinics are located in heartland areas such as Toa Payoh, Jurong, and Bedok.

Here are the types of TCM services that are typically subsidised:

• Acupuncture
• TCM consultation
• Herbal medicine (prescription)
• Tui na (therapeutic massage)

Note that some treatments, like Chinese sinseh consultation outside a registered clinic, are not covered. Always confirm with the clinic beforehand.

How Much Can You Save?

The subsidy amount depends on the specific clinic and service. As a guideline, Merdeka Generation seniors receive a higher subsidy than general CHAS cardholders. For example, a consultation that normally costs $30 may be reduced to $10 after subsidy. The table below shows a typical comparison.

Prices are estimates and may vary by clinic.

Step-by-Step: How to Claim TCM Subsidies in 2026

Follow these steps to ensure you receive your Merdeka Generation TCM subsidy:

1. Check your eligibility. You must be a Merdeka Generation cardholder. If you are unsure, you can check via the SupportGoWhere portal or on the MOH website. See our guide on how to check if you qualify for the Merdeka Generation Package in 2026 for more details.

2. Find a participating TCM clinic. Visit the CHAS clinic locator and filter by "Traditional Chinese Medicine". Only clinics marked with "TCM" and "Merdeka Generation accepted" will offer subsidies.

3. Bring your identification documents. Bring your NRIC and Merdeka Generation card (or CHAS card if you have one). Some clinics may accept a digital copy on your phone.

4. Inform the clinic staff. When making an appointment, mention that you are a Merdeka Generation cardholder. During registration, present your card and ask for the subsidised rate.

5. Pay the subsidised amount. The clinic will process the subsidy directly. You only pay the reduced fee. Keep the receipt for your records.

6. Use your $200 annual MG top-up. If you have unspent Merdeka Generation card top-up (the $200 annual credit, if applicable), it can be used to offset TCM costs at some clinics. Check with the clinic if they accept the MG card for payment.

Common Mistakes Seniors Make When Claiming TCM Subsidies

Many Merdeka Generation seniors lose out on savings because of avoidable errors. Here are the most common ones:

• Assuming all TCM clinics accept CHAS. Only approved clinics participate. Always verify before visiting.
• Not bringing the correct card. Some clinics require the physical CHAS card instead of the Merdeka Generation card. Bring both if possible.
• Missing the annual top-up expiry. Your $200 MG top-up (if applicable) expires at the end of the year. Use it before December 31.
• Forgetting to ask for subsidy. Some clinics do not automatically apply the subsidy unless you request it. Always confirm.
• Using the wrong card at the counter. If you have both a CHAS card and a Merdeka Generation card, the clinic may use the wrong one. Specify "Merdeka Generation" to get the higher subsidy.

For a full list of pitfalls, read our article on 5 common mistakes Merdeka Generation seniors make when claiming healthcare subsidies.

What About Other TCM Services Like Massage or Tuina?

Only TCM treatments that are part of a clinical consultation are subsidised. General wellness massage or "body tonic" products bought at a TCM shop are not covered. The subsidy is meant for medical treatment, not spa services.

If you are unsure whether a specific treatment qualifies, ask the clinic's TCM physician before proceeding.

Expert Advice: Maximise Your TCM Subsidies

"Always call the clinic first to confirm they accept Merdeka Generation subsidies for that specific service. Some clinics may have a cap on the number of subsidised sessions per month. Plan your treatments early in the month to avoid disappointment."

— Senior Care Advisor, Silver Generation Office

Also, consider combining TCM visits with other healthcare appointments. For example, if you are already heading to a polyclinic for a check-up, you could schedule a TCM session at a nearby CHAS clinic on the same day to save on transport costs.

TCM vs Western Medicine: Which Subsidy Is Better?

Your Merdeka Generation Package gives you subsidies for both Western medicine (at CHAS GP clinics, polyclinics, and specialist outpatient clinics) and TCM. Here is a side-by-side comparison:

For many seniors, TCM is a good complement to Western medicine, especially for joint pain or fatigue. But it is not a replacement for serious conditions. Discuss with your doctor if you plan to use both.

Planning Your Retirement Budget Around TCM Costs

TCM can become an ongoing expense if you visit regularly. A typical scenario: two acupuncture sessions a month plus a course of herbal medicine every two months. That could cost around $60 a month after subsidies. For a Merdeka Generation senior on a fixed income, planning ahead is important.

You can use your $200 annual MG card top-up (if you receive it) to offset these costs. Also, consider setting aside a small amount each month from your CPF LIFE payouts. For more tips on stretching your retirement income, read our guide on 7 ways to stretch your CPF LIFE payouts further after age 65.

What If Your Spouse Does Not Qualify?

The Merdeka Generation benefits are individual. If only you qualify, your spouse cannot use your card for TCM subsidies. However, if your spouse is a Pioneer Generation senior or has a CHAS card, they may have their own subsidies. See our article on can your spouse enjoy Merdeka Generation benefits if only you qualify for more details.

Updates in 2026

As of 2026, there have been no major changes to the TCM subsidy scheme for Merdeka Generation. The government continues to support the programme. However, the list of participating TCM clinics may change. Always check the CHAS website before booking an appointment.

If you have lost your Merdeka Generation card, you can request a replacement. Learn how in our article on what happens if you lost your Merdeka Generation card.

Putting It All Together

Merdeka Generation TCM subsidies are a valuable benefit for seniors who want to explore holistic healthcare. By choosing an approved clinic, presenting your card, and planning your visits, you can save hundreds of dollars a year. Do not let the paperwork put you off. A quick call to the clinic can clarify everything.