Cost Calculators/Procedure Cost Estimator

Procedure Cost Estimator

What a procedure costs, how much is subsidised, and how much MediSave you can use.

Effective from 2026-06-04 · Last audited 2026-06-04

Showing Screening colonoscopy (no polyp removed). Type to change it. Type a procedure name to search all 2,179 procedures (the list shows common ones until you type).

Age and income personalise the subsidy and the “what you can claim” section below. They do not change a private-hospital price, which is not means-tested.

In Singapore this is called an Integrated Shield Plan. It sits on top of MediShield Life.

The estimate updates automatically as you change anything above.

Prefer to type it in plain English?

Describe your situation and the assistant fills the form for you. Every number still comes from the verified calculator. For example: “I’m 28, foreigner on a work pass, need a colonoscopy, no insurance.”

Screening colonoscopy (no polyp removed)

What you would pay, and what you can save

MediSave is your own CPF medical savings. It can pay part of the bill, on top of any government subsidy.

Doctor-reviewed figures.

Public hospital, day surgery$0
the cash you pay. Bill about $710, of which MediSave can cover $710 (your own CPF, not a discount).
Private hospital, day surgery$225
the cash you pay. Bill about $2,175, of which MediSave can cover $1,950 (your own CPF, not a discount).
How the MediSave figure is worked out

$1,120 (table 2C surgical limit) + $830 daily limit = $1,950 cap, capped at your $710 bill → you can use $710

Have private hospital insurance (an Integrated Shield Plan)? Pick it above and the cash figures update to show how much it lowers what you pay.

Insurance

Pick your Integrated Shield Plan tier above for an honest estimate of what insurance would cover.

  • MediShield Life (everyone has this), covers Subsidised public wards (Class B2/C). Pegged to subsidised-ward costs.
  • Integrated Shield Plan, public hospital tier (Class B1/A), covers Public hospital Class A / B1 wards. (insurers: AIA, Great Eastern, HSBC Life, Income, Prudential, Raffles Health Insurance, Singlife)
  • Integrated Shield Plan, private hospital tier, covers Private hospitals + private wards. (insurers: AIA, Great Eastern, HSBC Life, Income, Prudential, Raffles Health Insurance, Singlife)
What you can claim, by age
Under 60
  • MediSave + MediShield Life claims as per your procedure and ward.
60 to 80
  • Flexi-MediSave: up to $400/year from MediSave for outpatient bills (you or a 60+ spouse).
81 and above
  • Flexi-MediSave $400/year still applies.
  • Higher MediShield Life deductible at 81+ (more of the bill is yours before insurance pays).
Pioneer Generation (born 1949 or earlier) (≤ 1949)
  • Extra outpatient subsidies (CHAS-level) for life.
  • Annual MediSave top-ups.
  • Higher MediShield Life premium subsidy.
Merdeka Generation (born 1950-1959) (1950-1959)
  • Extra outpatient subsidies.
  • MediSave top-ups (smaller than Pioneer).
  • MediShield Life premium subsidy.
Schemes you may be eligible for
  • Ward class affects how much is subsidised. Subsidised public wards (Class C/B2) are means-tested and cost far less than private or Class A, which are unsubsidised. Which ward you can claim a subsidy in depends on your residency and household income.
  • Get a polyclinic / GP referral. Subsidised specialist (SOC) rates at public hospitals usually require a referral from a polyclinic or GP. Walking in or going private forfeits the subsidy.
  • Check CHAS / Pioneer / Merdeka. Many patients qualify for subsidies they never claim, CHAS card, or Pioneer/Merdeka Generation by birth year. These add subsidies and MediSave top-ups.
  • Use family members' MediSave. You can pay the cash portion with your spouse's, parents', or children's MediSave (MCAF form). Grandparents/siblings must be SC/PR. See the Family MediSave planner.
  • Use Screen for Life / Healthier SG. For screening (e.g. colonoscopy via the FIT pathway), the national Screen for Life and Healthier SG schemes heavily subsidise, sometimes to $0-$5, before any specialist referral.
  • Medifund safety net. If you still can't afford the subsidised bill, Medifund is the government endowment safety net for needy Singaporeans, apply through the hospital's medical social worker.
Things to know
  • The MediSave 'withdrawal limit' is the most a patient can pull from CPF, it is NOT the price of the procedure. The bill is set by the surgeon and hospital; MediSave just caps your CPF draw-down.
  • Published bills are GST-inclusive and are BEFORE any MediSave / MediShield / insurance payout. The cash you pay is what remains after those.
  • Private bills vary widely by surgeon, hospital, implants and complications. The benchmark is the middle 50% of real bills, your quote can sit outside it.
  • Whether a procedure is MediSave-claimable at all depends on it being on the Approved Surgical / Table of Surgical Procedures list. Purely cosmetic procedures are not claimable.