What if I trip over a PMD?
What if I trip over a PMD in Singapore: $2,898 – $4,970 in a subsidised ward (Ward C), based on MOH Bill Size Benchmarks. Average hospital stay: 3.7 days.
Hospital bill by ward class
- Ward C (Subsidised · 8-9 beds): $2,898 – $4,970
- Ward B2 (Subsidised · 6 beds): $2,482 – $4,101
- Ward B1 (Non-subsidised): $8,332 – $11,044
- Private (Single room): $23,309 – $30,411
Source: MOH Bill Size Benchmarks, January–December 2023. Costs are after government subsidies but before MediShield Life or private insurance.
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What if I trip over a PMD?
8:07 AM
It was parked across the entire footpath. You were in a hurry.
One moment, upright. The next: pavement, very close.
One moment, upright. The next: pavement, very close.
Your elbow takes the impact. Then your chin. The scooter is unharmed.
0
seconds of air time before the ground finds you
A&E. Road rash cleaned. Wrist X-ray. Possible chin sutures.
Trauma assessment for fall injuries: fracture workup, wound irrigation and closure, head injury observation.
Singapore's PMD ban on footpaths began in 2021. The scooters did not get the memo.
You're patched up and late for everything. The scooter is still there.
Then the bill arrives.
Then the bill arrives.
Your hospital bill
$0
Ward C (subsidised) · worst case · after subsidies, before insurance
Source: MOH Bill Size Benchmarks, Jan–Dec 2023
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
$4,970
in cash. That's after government subsidies but before any insurance kicks in.
Your ward, your bill
Subsidised · 8-9 beds · After subsidies, before insurance
~3 months
of HDB mortgage
~16%
of avg Medisave
~1 months
of median salary
Source: MOH Bill Size Benchmarks · Data period: Jan–Dec 2023 · Compiled by Keith Teo
Make it personal
What does this mean for you?
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$
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
$2,898 – $4,970
Ward B2 · Subsidised · 6 beds
$2,482 – $4,101
Ward B1 · Non-subsidised
$8,332 – $11,044
No more subsidies below
Private · Single room
$23,309 – $30,411
up to 6x Ward C
Insurance impact
What insurance actually does
Ward C bill. The bar shows how much you still pay.
$2,898 – $4,970
No insurance. You pay the full bill out of pocket or Medisave.
Good to know
Average Medisave balance ($31,000) covers this 6x in Ward C
Tripping over a PMD in Singapore: ankle surgery costs $2,000-$8,000+ (Ward C). The PMD owner is nowhere to be found. Your ankle is in a cast. Welcome to Singapore.
Beyond the hospital bill
These costs are just the hospital stay
After discharge, expect ongoing costs that for many patients exceed the initial bill.
Follow-up visitsPain medicationTime off workPhysiotherapyThe story you tell forever
And these costs keep rising. Healthcare costs are up 12% since 2020, outpacing general inflation.
What to do now
5 things to check today
1
Keep your emergency contacts updated
Make sure your phone ICE (In Case of Emergency) contacts are current. First responders check this.
2
Know your nearest A&E
In an emergency, ambulance (995) takes you to the nearest hospital. Know which public hospital is closest to your home and workplace.
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.