What if I have other women's health issues?

What if I have other women's health issues in Singapore: $557 – $8,078 in a subsidised ward (Ward C), based on MOH Bill Size Benchmarks. Average hospital stay: 1.6 days.

Various gynaecological conditions including ovarian cysts, endometriosis, pelvic floor problems, and menstrual disorders.

Hospital bill by ward class

  • Ward C (Subsidised · 8-9 beds): $557 – $8,078
  • Ward B2 (Subsidised · 6 beds): $281 – $6,413
  • Ward B1 (Non-subsidised): $1,009 – $22,796
  • Private (Single room): $449 – $40,740

Source: MOH Bill Size Benchmarks, January–December 2023. Costs are after government subsidies but before MediShield Life or private insurance.

Treatment options

  • Gynaecological infections: $705 – $1,776 (Ward C)
  • Menstrual / reproductive disorders: $592 – $1,272 (Ward C)
  • Ovarian cyst removal (simple): $2,692 – $3,649 (Ward C)
  • Ovarian cyst removal (complicated): $2,612 – $4,193 (Ward C)
  • Diagnostic hysteroscopy: $1,070 – $1,378 (Ward B2)
  • D&C (curettage): $902 – $1,817 (Ward C)
  • Therapeutic laparoscopy: $1,573 – $3,872 (Ward C)
  • Cervical polyp excision: $1,055 – $2,082 (Ward C)
  • Cervical cerclage: $961 – $2,066 (Ward C)
  • Pelvic floor repair (vaginal tape): $1,878 – $3,941 (Ward B2)
  • Vaginal hysterectomy with repair: $1,515 – $3,189 (Ward B2)
  • Salpingectomy: $2,284 – $4,401 (Ward C)
  • Vulvar procedures: $648 – $1,308 (Ward C)
  • IUD removal under GA:
  • Amniocentesis / chorionic biopsy: $825 – $1,324 (Ward C)
  • Endometriosis surgery (complex): $3,265 – $5,500 (Ward B2)
  • Pelvic cyst aspiration: $2,134 – $5,192 (Ward C)
  • False labour: $557 – $1,359 (Ward C)
  • Therapeutic laparoscopy (fallopian tube/uterus/ovary): $2,649 – $5,131 (Ward C)
  • Ovarian cyst removal (complicated, >5cm): $2,337 – $3,960 (Ward C)
  • Broad ligament tumour hysterectomy: $3,413 – $8,078 (Ward C)
  • Hysterectomy (frozen pelvis): $2,629 – $6,413 (Ward B2)
  • Endometriosis hysterectomy with/without salpingo-oophorectomy: $3,838 – $7,516 (Ward C)

Quick answer: How much does this cost?

Related scenarios

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What if I have other women's health issues?
4:00 AM
Pelvic pain that woke you from deep sleep. Not period pain — something different.
You're not sure what to do at this hour.
A scan at A&E finds the cause. It needs proper treatment, not just management.
1 in 10
women in Singapore are affected by endometriosis at some point
Depending on the diagnosis — medication, a procedure, or surgery.
Some conditions are managed over months, not resolved in a single visit.
Women's health conditions like ovarian cysts, fibroids, endometriosis, or pelvic inflammatory disease all have different treatment paths.
You understand your body better now than you did before.
Then the bill arrives.
Treatment breakdown

It depends on the treatment

What they do determines the bill. Tap to see costs by ward class.
Source: MOH Bill Size Benchmarks, Jan–Dec 2023
Ward C$705 – $1,776
Ward B2$842 – $2,033
Ward B1$2,007 – $4,837
Private$5,957 – $15,954
Ward C$592 – $1,272
Ward B2$637 – $1,403
Ward B1$1,700 – $2,934
Private$2,937 – $8,397
Ward C$2,692 – $3,649
Ward B2$2,098 – $2,994
Ward C$2,612 – $4,193
Ward B2$2,625 – $4,764
Ward B1$9,950 – $11,274
Private$22,025 – $30,850
Ward B2$1,070 – $1,378
Private$863 – $1,325
Ward C$902 – $1,817
Ward B2$859 – $1,812
Ward B1$3,375 – $3,907
Private$1,464 – $10,905
Ward C$1,573 – $3,872
Ward B2$1,334 – $2,914
Ward C$1,055 – $2,082
Ward B2$755 – $2,261
Ward B1$3,818 – $4,664
Private$550 – $13,363
Ward C$961 – $2,066
Ward B2$1,073 – $1,885
Ward B1$2,869 – $3,885
Private$8,747 – $12,557
Ward B2$1,878 – $3,941
Ward B2$1,515 – $3,189
Ward C$2,284 – $4,401
Ward B2$1,612 – $2,768
Ward B1$7,396 – $8,474
Ward C$648 – $1,308
Ward B2$667 – $1,353
Ward B1$2,147 – $3,521
Private$449 – $11,186
Private$900 – $1,750
Ward C$825 – $1,324
Private$2,217 – $4,747
Ward B2$3,265 – $5,500
Ward B1$13,555 – $17,668
Ward C$2,134 – $5,192
Ward C$557 – $1,359
Ward B2$281 – $747
Ward B1$1,009 – $1,992
Private$1,731 – $3,278
Ward C$2,649 – $5,131
Ward B2$2,307 – $5,189
Ward B1$9,256 – $10,630
Private$20,824 – $32,081
Ward C$2,337 – $3,960
Ward B2$2,212 – $3,861
Ward B1$8,002 – $9,869
Private$19,668 – $26,965
Ward C$3,413 – $8,078
Ward B2$3,560 – $5,968
Ward B1$14,234 – $16,564
Private$26,761 – $40,510
Ward B2$2,629 – $6,413
Ward B1$14,386 – $22,796
Private$33,526 – $40,740
Ward C$3,838 – $7,516
Ward B2$3,201 – $5,997
Ward B1$14,076 – $16,765
Private$23,606 – $35,346
Your hospital bill
$0
Ward C (subsidised) · worst case · after subsidies, before insurance
Source: MOH Bill Size Benchmarks, Jan–Dec 2023
But what does this actually mean for your wallet?
The bottom line
For this scenario, you need at least
$8,078
in cash. That's after government subsidies but before any insurance kicks in.
Your ward, your bill
Subsidised · 8-9 beds · After subsidies, before insurance
~4 months
of HDB mortgage
~26%
of avg Medisave
~1.6 months
of median salary
Source: MOH Bill Size Benchmarks · Data period: Jan–Dec 2023 · Compiled by Keith Teo
Make it personal

What does this mean for you?

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%
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Recovery period (LIA PGS 2022)
Ward class matters

Where you stay changes everything

Same condition. The ward determines the bill.
Source: MOH Bill Size Benchmarks, Jan–Dec 2023
Ward C · Subsidised · 8-9 beds
$557 – $8,078
Ward B2 · Subsidised · 6 beds
$281 – $6,413
Ward B1 · Non-subsidised
$1,009 – $22,796
No more subsidies below
Private · Single room
$449 – $40,740
up to 5x Ward C
Insurance impact

What insurance actually does

Ward C bill. The bar shows how much you still pay.
You pay 100%
Covered
$557 – $8,078
No insurance. You pay the full bill out of pocket or Medisave.
Good to know
Average Medisave balance ($31,000) covers this 4x in Ward C
Beyond the hospital bill

These costs are just the hospital stay

After discharge, expect ongoing costs that for many patients exceed the initial bill.
Postnatal or post-op careSpecialist reviewsOngoing medicationUltrasound follow-upsCounselling
And these costs keep rising. Healthcare costs are up 12% since 2020, outpacing general inflation.
If the worst happens

When someone dies in Singapore,
banks freeze every account.

Your family can't withdraw a single dollar until the legal process is complete. Most Singaporeans aren't prepared.
56%
of Singaporean adults don't have a will
40%
of under-65s have no CPF nomination
With a will
2-6 months to settle. Funeral, lawyer, and court fees combined.
~S$6,400
No will
6-12+ months to settle. Legal fees alone are S$10K-$20K. Contested estates reach S$93,000+.
S$10K–$93K+
While your family waits, mortgage payments, insurance premiums, and utility bills keep coming out of their own pockets.
What to do now

5 things to check today

1
Plan your maternity costs
Delivery packages vary enormously between hospitals. Compare fees and check what your insurance covers.
2
Use your Baby Bonus
MediSave grants and the Baby Bonus scheme offset a significant portion of maternity and early childhood medical costs.
3
Check what your insurance actually covers
Log into CPF, go to My Healthcare, check MediShield Life or ISP coverage. Look for your ward class limit and claim caps.
4
Know your Medisave withdrawal limits
Your Medisave balance doesn't mean that amount is available for one bill. There are per-day and per-procedure caps.
5
Write a will and make a CPF nomination
A simple will starts from S$99. CPF nomination is free at cpf.gov.sg. Without these, your family faces months of legal process and S$10K+ in fees.
Related scenarios

What else could happen

What if I'm having a baby? What if I have uterine fibroids? What if I have an ectopic pregnancy? What if my baby is born premature?
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