Hip Replacement Surgery in Singapore: Costs, Insurance Coverage & What to Expect

Hip replacement surgery is a common orthopedic procedure that helps individuals regain mobility and live pain-free after suffering from chronic hip joint problems. In Singapore, the demand for this surgery is growing, especially among aging adults and active individuals with degenerative joint issues. If you’re considering hip replacement, it’s essential to understand the costs involved, treatment options available, and how health insurance in Singapore can support you financially.

This guide breaks down everything you need to know about hip replacement surgery in Singapore, including detailed insights into medical costs, insurance coverage options, and how to plan your finances effectively.

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What Is Hip Replacement Surgery?

Hip replacement surgery, also known as total hip arthroplasty, is a procedure where a damaged or worn-out hip joint is replaced with an artificial implant. This surgery is typically performed by a qualified orthopaedic surgeon in Singapore, and is recommended when pain and mobility issues severely affect a patient’s quality of life.

Common reasons for hip replacement include:

• Osteoarthritis (wear and tear of the joint)
• Rheumatoid arthritis (autoimmune inflammation)
• Hip fractures due to accidents or aging
• Avascular necrosis (loss of blood supply to the joint)

Treatment Options Before Surgery

Before undergoing surgery, doctors usually recommend non-surgical treatments to manage pain and improve mobility. These include:

• Pain medications and anti-inflammatory drugs
• Physical therapy and muscle-strengthening exercises
• Steroid injections to reduce joint inflammation
• Walking aids like crutches or canes to offload pressure from the joint

If these treatments fail to provide lasting relief, your orthopaedic specialist may advise proceeding with hip replacement surgery.

Cost of Hip Replacement Surgery in Singapore

The cost of hip replacement surgery in Singapore can vary significantly depending on the hospital type, ward class, and whether the surgery is subsidized.

Public Hospitals (Subsidized Wards)

Estimated total bill size (after government subsidy):

• Ward C: Around SGD 10,000
• Ward B2: Around SGD 13,000–SGD 15,000

Private Hospitals (Non-Subsidized)

The cost in private hospitals ranges between SGD 35,000 and SGD 65,000. This range includes pre-operative consultations, surgery, hospital stay, medications, and post-operative care.

Insurance Coverage for Hip Replacement Surgery in Singapore

Paying for hip replacement surgery can be overwhelming without insurance. Fortunately, several insurance options in Singapore can significantly reduce out-of-pocket expenses.

1. MediShield Life

This is a basic health insurance scheme for all Singaporeans and PRs. It covers large hospital bills and some costly outpatient treatments. However, it mainly applies to treatments in public hospitals.

2. MediSave

This is a mandatory savings scheme where you can use funds to pay for surgery and hospital bills. For hip replacement surgery, you can typically withdraw up to SGD 4,650 from your MediSave account.

3. Integrated Shield Plans (IPs)

These are private insurance plans that complement MediShield Life. They provide enhanced coverage for:

• Private hospital treatments
• Higher-class wards in public hospitals
• Pre- and post-hospitalization bills

Many IPs also come with riders that reduce or eliminate co-payments, giving you peace of mind during recovery.

Why You Should Review Your Insurance Before Surgery

Not all insurance plans cover the full cost of hip replacement surgery, especially in private settings. It’s important to:

• Confirm whether your plan covers orthopedic surgeries
• Check for co-insurance or deductibles
• Understand limits on pre- and post-hospitalization coverage
• Explore add-ons or riders for full financial protection

Connect With A Financial Advisor

Hip replacement surgery in Singapore can be life-changing, but it requires careful planning. From understanding treatment options and estimating medical costs to navigating insurance schemes, being well-informed is the first step toward a smooth recovery. To support you in this process, we’ve partnered with experienced financial advisors. Click the button below to schedule an appointment with one of our preferred advisors and ensure your coverage and budget are aligned.

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Preferred Financial Advisor: Melissa Mok

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