Is Knee Replacement Surgery Covered by Insurance in Singapore?

Knee replacement surgery is a major medical procedure that can significantly improve the quality of life for people suffering from chronic knee pain or mobility issues. In Singapore, a key concern for many patients is whether knee replacement surgery is covered by insurance. The good news is that it generally is, but the extent of coverage depends on several important factors, such as the type of hospital, the insurance policy you hold, and whether you have any supplementary plans.

In this article, we will break down everything you need to know—from coverage options in public and private hospitals to how MediSave and Integrated Shield Plans (IPs) work.

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What Leads to Knee Replacement?

Knee replacement surgery is often recommended for patients suffering from osteoarthritis, rheumatoid arthritis, or other degenerative joint conditions. These illnesses cause the cartilage in the knee to wear down over time, leading to:

• Constant pain and stiffness
• Reduced mobility and difficulty with daily movements
• Disruption of sleep and quality of life

When pain medications, physical therapy, and lifestyle changes no longer work, surgery becomes a medically necessary option. Most people consult an orthopaedic surgeon in Singapore when their condition affects daily activities like walking or standing..

Treatment Options Before Considering Surgery

Before opting for surgery, doctors usually try more conservative treatments, including:

• Physical therapy to strengthen muscles and improve joint flexibility
• Pain relief medications, including NSAIDs and corticosteroid injections
• Lifestyle changes, such as weight management and low-impact exercise
• Assistive devices like braces or walking aids

However, if these measures don’t provide long-term relief, knee replacement surgery becomes a medically necessary option.

Cost of Knee Replacement Surgery in Singapore

The cost of knee replacement varies significantly depending on whether you choose a public or private hospital.

Public Hospitals (Subsidised Wards)

For Singapore Citizens and Permanent Residents opting for subsidised care in public hospitals, the costs are significantly reduced due to government subsidies:

• Ward C: Typical bills range from SGD 5,049 to SGD 11,017, depending on the hospital and length of stay.
• Ward B2: Typical bills range from SGD 6,126 to SGD 11,931.

These figures encompass the entire hospital stay, including surgery, ward charges, and standard post-operative care.

Public Hospitals (Unsubsidised Wards)

Patients choosing higher-class wards without subsidies can expect higher costs:

• Ward B1: Typical bills range from SGD 22,778 to SGD 30,557.

These costs reflect enhanced amenities and reduced waiting times associated with higher-class wards.

Private Hospitals

Private hospital charges are generally higher, reflecting personalized care and shorter waiting periods:

• Mount Elizabeth Hospital: Typical bills range from SGD 49,062 to SGD 62,535.
• Mount Elizabeth Novena Hospital: Typical bills range from SGD 48,731 to SGD 57,951.
• Farrer Park Hospital: Typical bills range from SGD 51,051 to SGD 59,270.

These figures include surgeon fees, hospital stay, anesthesia, and standard post-operative care.

Additional Costs to Consider

Beyond the primary surgery expenses, patients should anticipate additional costs:

• Physiotherapy: Post-operative rehabilitation sessions typically cost between SGD 150 and SGD 300 per session.
• Follow-up Consultations: Regular check-ups post-surgery may incur additional charges, depending on the healthcare provider.

Insurance and Financial Support

Singapore offers several schemes to alleviate the financial burden of knee replacement surgery:

• MediShield Life: This basic health insurance plan covers large hospital bills and selected costly outpatient treatments, including knee replacement surgeries.
• MediSave: Patients can utilize their MediSave accounts to pay for hospitalization expenses, with withdrawal limits applicable to specific procedures.
• Integrated Shield Plans (IPs): Offered by private insurers, IPs provide additional coverage on top of MediShield Life, covering stays in Class A/B1 wards in public hospitals or private hospital stays.

It’s advisable to consult with your financial advisor to understand the extent of your coverage and any out-of-pocket expenses you might incur.

Need Help Planning Your Medical Coverage?

Knee replacement surgery can be a significant medical and financial decision. By connecting with a financial advisor, you can review your current insurance policies, explore affordable Integrated Shield Plans, and get personalised advice on how to plan for major procedures. To assist our readers in this regard, we’ve partnered with trusted financial advisors in Singapore. Click the button below to connect with one of our preferred financial advisors.

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Orthopaedic Care In Singapore: Lower Limbs