Patient Guide

Financial Counselling

About Financial Counselling

At TTSH, our Financial Counsellors seek to provide you peace of mind through our advice on:

  1. Inpatient Bill Estimates
  2. Payment Modes
  3. Financial Assistance

Through Financial Counselling (FC), you can be empowered to make well-informed choices regarding your hospitalisation.

All patients can choose to experience Financial Counselling.

However, should a patient be unfit for financial counselling, an appropriate representative (i.e. next-of-kin, friend, company representative) can experience financial counselling on his/her behalf.

Our financial counsellors are located at:

  • Emergency Department
  • Ward
  • Admission Office
  • Pre- Admission Counselling and Evaluation (PACE)
  • Specialist Outpatient Clinics (SOCs)


Your Financial Counselling experience starts at the Emergency Department, once the doctor confirms that hospitalisation is required. Before your admission to the ward, our friendly financial counsellors will share with you the relevant ward charges and estimated bill size, in relation to the ward class that you have chosen. Our Financial counsellors would also actively identify and advise patients who may be financially at risk and provide them with information on possible financial assistance schemes.


If you had missed financial counselling at Emergency Department, financial counsellors at the wards will approach you to inform you on your incurred charges. The financial counsellors at the wards will also approach you if your hospitalisation bill exceeds the original range estimated during your first financial counselling session.


If you have any financial or bill related queries during or after your stay at TTSH, please approach our friendly financial counsellors at Admission Office located at Level 1 near TTSH’s Main Entrance (Ward side).

Pre- Admission Counselling and Evaluation (PACE)

Our PACE clinic provides financial counselling services for patients who are scheduled for elective procedures after their visit to the specialist outpatient clinics. PACE is located at Medical Centre, Basement 2.

Specialist Outpatient Clinics (SOCs)

Our friendly PSAs at SOCs will be advising you on the available Medisave schemes and subsidies you are able to tap on to reduce your out of pocket payments for your outpatient visits. In the event you are required to be admitted on the same day after your consultation, financial counselling will also be provided at the clinic.

You will need your identification documents and insurance-related documents for your financial counselling experience.

1. Identification Documents:

  • National Registration Identity Card (NRIC)
  • Birth Certificate (if you are below 15 years old)
  • Passport (if you are a foreigner)
  • Employment Pass or letter from employer (if you are a Work Permit / S Pass/ Employment Pass Holder)
  • Student Pass/ Dependent Pass

2. Insurance and Other Relevant Documents:

  • Letter of Guarantee from Private Medical Insurers and Company (if available)
  • Medical benefit identification documents (if available) – e.g. Civil Service Card

Information on Ward classes at TTSH

There are four non-subsidised ward classes at Tan Tock Seng Hospital: Deluxe, A1, A2 and B1.

These non-subsidised ward classes have the below features:

  • Air conditioned room
  • Selection of food menu
  • Choice of Specialist during your hospitalisation and post-discharge (Non-subsidised outpatient follow-up appointments)

Click here for more information on Inpatient Charges

There are two subsidised ward classes available at Tan Tock Seng Hospital: B2 and C.

These subsidised ward classes have the below features:

  • Subsidy of up to 80% for C Class and 65% for B2 Class
  • Assigned Specialist during your hospitalisation and post-discharge (Subsidised outpatient follow-up appointments)

Click here for more information on Inpatient Charges

All patients at Tan Tock Seng Hospital can choose to transfer between ward classes during their admission. Ward class upgrading or downgrading will be subject to bed availability.

For Upgrading of ward class:

  • Higher class rate is effective from date of transfer
  • All other charges such as surgery, investigation, and medication(except ward charges) will be recomputed to the higher rate from the date of admission
  • Deposit may be required
  • For upgrading of ward class from subsidised to non-subsidised, outpatient follow-up will be at non-subsidised rate and you will have a choice of specialist

For Downgrading of ward class:

  • For Singapore Citizens and Permanent Residents, downgrading from non-subsidised to subsidised wards would require approval for Government subsidies (downgrading means testing by MSW & Means Testing for subsidised wards)
  • Subsidised charges (including those for surgery, investigation, medication and ward charges) will be effective from the date of transfer
  • After ward class has been downgraded from non-subsidised to subsidised, outpatient follow-up to that inpatient episode will be at subsidised rate and you will not have a choice of Specialist

Your Financing Options


Medisave is a national medical savings scheme which helps individuals put aside part of their income into their Medisave Accounts to meet their future personal or immediate family's hospitalization, day surgery and certain outpatient expenses. Below are areas you can use your medisave to pay for your medical bills.

  • Going for Surgery or Hospitalisation
  • You can claim up to $450 per hopitalisation day (only if patient stays at least 8 hours in hospital unless admitted for day surgery). Surgery claims are based on a fixed limit from the Table of Surgical Procedures. From $250 to $7750 depending on complexity of surgery.

  • Getting a Medical Scan
  • You can claim up to $300 per year per patient for scans (CT or MRI Scans) needed to diagnose or treat your medical condition.

  • Staying Healthy
  • You can claim up to $400 per year per account under Medisave400 limit to stay healthy with outpatient preventive care (screening test, vaccinations) and chronic disease treatment.

  • Paying for Medical and Long-Term Care Insurance
  • You can use Medisave to pay for insurance premiums for Medishield Life, Integrated Shield Plans and ElderShield to have a peace of mind for large medical expenses.

  • For Repeated Treatment
  • You can use Medisave for conditions that require prolonged, regular treatment and may be costly over time. For example, renal dialysis, cancer treatments and other conditions.

  • Regaining Mobility after Hospitalisation
  • You can use Medisave for rehabilitation and recovery such as for an inpatient stay at a community hospital or outpatient at a day rehabilitation centre.

  • For Treatment in Old Age
  • You can claim up to $200 per year per patient under Flexi-Medisave for outpatient medical treatments (aged 65 or above).

  • Starting Your Family
  • You can use Medisave for treatments to help conceiving, pregnancy and delivery expenses.

  • Receiving End-of-Life Care
  • You can use Medisave for palliative care at a hospice or at home in the company of your loved ones.

Click here for more Medisave information

If you would like to utilize you or your next of kin’s Medisave, Medishield Life or Integrated Shield Plans (IP), you are required to sign Medical Claims Authorization Forms (MCAF). MCAF consent allows you to perform the following at approved institutions:

  • Check Medisave balance and available withdrawal limits
  • Withdraw from your Medisave to pay for approved treatments
  • Claim from your MediShield Life or IP to pay for approved treatments

Ministry of Health has introduced two MCAF forms in Nov 2015. These two MCAF forms are MCAF- Multuple and MCAF – Single.

Below are the main differences between MCAF –M and MCAF – S.

MCAF-M (Multiple) MCAF-S (Single)
MCAF-M allows you to grant full, nationwide consent for life, unless revoked, to use your Medisave at all Medisave accredited healthcare institutions.
  • MCAF-M provides convenience as you simply need to sign once, for life
MCAF-S allows you to exercise flexibility should you decide to provide limited consent to the utilisation of your Medisave Funds. You can choose to limit:
  • The type of schemes you would like to use
  • The time period you would like to authorise your Medisave for
Click here for the MCAF – M form Click here for the MCAF – S form


MediShield is a low cost catastrophic illness insurance scheme. First introduced in 1990, the government designed MediShield to help members meet medical expenses from major illnesses, which could not be sufficiently covered by their Medisave balance. Medishield is enhanced in Nov 2015 and renamed to Medishield Life which provides larger claim limit resulting in lower out of pocket payment with for everyone

MediShield Lifeis sized for subsidised treatment in public hospitals. Those whochoose to stay in a Class A/B1 wards or in aprivate hospital are also covered by MediShield Life. However, as MediShield Life payouts are pegged at Class B2/C wards, the MediShield Life payout will make up a smaller proportion of the bill. The patient may therefore need to pay more of their bill from Medisave and/or cash.

If you plan to use Class A/B1 wards in the public hospital or go to a private hospital for your future hospitalisations, you may also wish to consider purchasing private insurance plans in the form of Medisave-approved private Integrated Shield Plans (IPs).

Similar to Medisave, to activate utilisation of Medishield and IPs, you are required to sign a Medical Claims Authorization Form (MCAF).

Important points below to note for Medisheild Life.

  • Mainly designed for B2 or C class hospital bill
  • Covers all Singaporeans and Permenant Residents, even those with existing illnesses
  • Premium payable by Medisave

Click here for more Medisheild Life information


Medifund is an endowment fund set up by the Government to help needy Singaporeans. Medifund is a safety net for patients who face financial difficulties with their remaining bills after receiving Government subsidies and drawing on other means of payments including MediShield Life, private Integrated Shield Plans (IPs), Medisave and cash.

All subsidised patients applying for Medifund will require to go through a financial assessment by our Medical Social Worker. Please approach any Tan Tock Seng Hospital Staff if you would like to apply for Medifund or any financial assistance.

Click here to TTSH Care and Counselling Department


A means-test is used to determine the amount of subsidies each person is eligible for their inpatient admission. It is a way to share limited class B2 and C subsidies in a fair manner, by targeting subsidies at lower income group. While all patient can still choose their own ward class, the idea is for higher- income patients to co-pay more than lower-income patients, if they choose to stay in subsidised class B2 or C wards. Inpatient means testing is based on your personal income or annual value of place of residence (if no income). You will get the same good quality of medical care, no matter which ward class you select.

Subsidy range for B2 and C class:

Hospital inpatient Subsidy
ClassB2 50% - 65%
ClassC 65% - 80%

Important points below to note for Inpatient Means Testing.

  • Only applicable for Singaporeans or Permanent Residents (PR)
  • Ward Class B2 or C only
  • Valid for one year upon consent
  • Means Testing is based on:
    • Average Annual Income - for Economically Active patients
    • Properties’ Annual Value (PAV) - for Economically Inactive patients

Click here for more Means Testing information


National Electronic Financial Records (NEFR) is set up by MOH which contains administrative, income information, Medisave/MediShield Life, Government assistance, and healthcare utilisation information to enable effective and easy financial assessment. NEFR consolidates the information internal from MOH’s /Public Healthcare Institution’s systems and externally across other databases from government agencies, such as CPFB and IRAS.

If you agree to data sharing, please be assured that your information will be accessed for official purposes only, on a need-to-know basis by the Government and other organisations approved by the Government.

The information hospital staff will be able to see is to enable the hospital staff to better explain how your bills will be covered by subsidies, MediShield Lifeand Medisave. Hospital staff will have access to basic information such as:

  • Your Medisave balance;
  • MediShield Life coverage; and
  • Eligible subsidies

With these information, hospital staff will be able to proactively explain to you your payment options and provide assistance and advice should you require financial help with your medical bills.

Click here for more NEFR information


The Community Health Assist Scheme (CHAS) was introduced by the Ministry of Health in 2012. The scheme enables Singapore Citizens from lower- to-middle income households, as well as allPioneers, to receive subsidies for medical and dental care at participating General Practitioner (GP) and dental clinics.

Criteria for Singaporean to qualify for CHAS:

  • For households with income, the household monthly income per person must be $1,800 and below
  • For households with no income, the Annual Value (AV) of residence as reflected on the NRIC must be $21,000 and below

Singapore Citizens who qualify for CHAS will receive an individual blue or orange Health Assist card. Health Assist cardholders will also enjoy subsidised referrals to Specialist Outpatient Clinics (SOCs) located at Public Hospitals or National Dental Centre (for dental referrals) when required.

Subsidies at Specialised Outpatient Clinics (SOCs)

Click here for more CHAS information | Click here to download CHAS Application Form


The Government has introduced the Pioneer Generation Package to honour and thank our Pioneers for their hard work and dedication. About 450,000 Singaporeans will benefit from the Pioneer Gen​eration Package.

Who is eligible?

Living Singapore Citizens who meet 2 criteria:

  • Aged 16 and above in 1965 – this means:
    • Born on or before 31 December 1949
    • Aged 65 and above in 2014
  • and obtained citizenship on or before 31 December 1986

If you would like to check your eligibility, you can do a self-check here.

Benefits of Pioneer Generation Package:

  • Special Subsidies for Outpatient Care (CHAS clinics, Polyclinics and SOCs)
  • Annual Medisave top-ups, for life
  • Pioneer Generation Subsidies forMediShield Life Premiums
  • Pioneer Generation Disability Assistance Scheme

Click here for more Pioneer Generation information.

For Singaporeans who plan to stay at Class B1 or higher ward classes, you may wish to consider purchasing Medisave-approved Integrated Shield Planson top of your Medishield Life.

MediShield Life and other Medisave-approved Integrated Shield Plans are designed to cater to your different insurance coverage needs.

IPs are made up of two components – MediShield Life and additional private insurance coverage providing additional benefits and coverage. If you have an IP, you are already covered by MediShield Life. MediShield Life is a component of your IP, there is no duplicate coverage.

The private IP insurers act as a single point of contact for IP policyholders, even though they work with CPF Board back-end on premium collection and claims disbursement for the MediShield Life component.

Click here for more IPs information.

Understand Your Bill

During Financial Counselling, financial counsellors will share with you on the estimated bill size of your admission/procedure, based on the following parameters:

  • Ward Charges
  • Daily treatment fees
  • Length of stay
  • Standard investigation costs (eg. Laboratory, X-ray)
  • Standard medications costs
  • Allied health services costs
  • Surgery or Procedure Charges (if applicable)

Your estimated bill size does not include the charges for Intensive Care Unit, High Dependency, Consumables, Charges arising from Complications and Emergency Operation Charges.

In line with the healthcare financing schemes by the Ministry of Health, the factors offset the out-of-pocket portion that you will have to pay:

  1. Government Subsidies: The amount of Government subsidies you enjoy
  2. Insurance: The amount offset by your MediShield Life or Integrated Shield Plan
  3. Medisave: The amount that you choose to pay through your Medisave account, or through Medisave contributions from your spouse, child or parent

After deducting the amounts associated with the above factors, the remaining amount will be your out-of-pocket payment.

AIA – HealthShield Website :
E-mail :
Hotline : 1800 248 8000
AVIVA - MyShield Website :
E-mail :
Hotline : 6827 7788
AXA Life – AXA Shield Website :
E-mail :
Hotline : 1800 880 4888
Great Eastern Life – Supreme Health Website :
E-mail :
Hotline : 1800 248 2888
NTUC Income - IncomeShield Website :
E-mail :
Hotline : 6332 1133
Prudential Assurance - PRUshield Website :
E-mail :
Hotline : 1800 333 0333

TTSH Admission Office

Tel: 6357 8898, 6357 9999
Fax: 6251 4095

Opening hours: Monday to Friday: 8am to 6pm

Saturday, Sunday and Public Holiday:
8am to 3pm

TTSH Care and Counselling Department
Tel: 6357 8222
Fax: 6357 8223

Public Hospitals

Medical Specialties (Jan 2015 -Dec 2015)

Room Type Class A (1-bedded)
Hospitals* Average Per Day ($) Average Total Bill ($) Total Bill at 90th Percentile Total Bill at 95th Percentile
AH - - - -
CGH 1,154 6,389 14,786 20,113
KTPH 1,142 5,686 11,159 15,661
KKH 851 2,210 3,759 5,231
NUH 1,312 5,278 13,072 20,375
NTFGH 1,197 3,844 6,626 11,485
SGH 1,412 7,090 14,192 24,609
TTSH 1,269 7,459 15,464 24,873
NHC 4,142 13,140 31,016 35,725
Room Type Class B1 (3-4-bedded)
Hospitals* Average Per Day ($) Average Total Bill ($) Total Bill at 90th Percentile Total Bill at 95th Percentile
AH - - - -
CGH 874 4,887 10,389 15,810
KTPH 916 4,559 8,978 13,278
KKH 686 1,499 2,558 3,462
NUH 997 4,370 10,845 17,277
NTFGH 780 2,830 6,176 10,867
SGH 1,094 5,609 10,964 17,097
TTSH 902 7,876 18,334 28,041
NHC 3,140 10,536 26,012 30,344
Room Type Class B2 (6-10-bedded)
Hospitals* Average Per Day ($) Average Total Bill ($) Total Bill at 90th Percentile Total Bill at 95th Percentile
AH 192 3,380 6,494 10,389
CGH 323 2,081 4,265 5,987
KTPH 406 2,098 4,374 6,381
KKH 389 970 1,442 2,322
NUH 430 2,204 4,575 6,683
NTFGH 314 1,178 2,354 3,434
SGH 439 2,498 4,896 7,697
TTSH 355 2,327 5,095 7,796
NHC 943 3,292 8,100 10,520
Room Type Class C (Open Ward)
Hospitals* Average Per Day ($) Average Total Bill ($) Total Bill at 90th Percentile Total Bill at 95th Percentile
AH 129 2,558 5,099 7,306
CGH 229 2,047 4,231 5,970
KTPH 274 2,195 4,508 6,224
KKH 342 2,042 3,213 8,111
NUH 318 2,295 4,398 6,593
NTFGH 205 1,012 1,988 2.973
SGH 319 2,599 5,192 8,466
TTSH 227 2,517 5,478 8,338
NHC 725 3,457 8,036 10,255

Public Hospitals

Surgical Specialties (Jan 2015 -Dec 2015)

Room Type Class A (1-bedded)
Hospitals* Average Per Day ($) Average Total Bill ($) Total Bill at 90th Percentile Total Bill at 95th Percentile
CGH 1,774 7,312 15,203 21,221
KTPH 2,125 8,124 15,722 23,752
KKH 2,302 5,061 9,451 12,160
NUH 2,666 8,999 18,446 26,663
NTFGH 1,372 5,044 10,114 14,923
SGH 2,788 10,541 22,290 30,292
TTSH 2,337 7,964 17,937 23,915
NHC 3,508 31,256 46,116 54,552
Room Type Class B1 (3-4-bedded)
Hospitals* Average Per Day ($) Average Total Bill ($) Total Bill at 90th Percentile Total Bill at 95th Percentile
CGH 1,364 5,858 12,681 16,442
KTPH 1,558 7,125 14,689 19,489
KKH 2,170 4,667 9,439 11,957
NUH 1,731 7,762 18,952 28,153
NTFGH 1,268 4,629 10,096 15,846
SGH 2,509 9,922 20,242 26,707
TTSH 1,674 8,716 19,289 24,007
NHC 2,787 26,402 42,656 51,02
Room Type Class B2 (6-10-bedded)
Hospitals* Average Per Day ($) Average Total Bill ($) Total Bill at 90th Percentile Total Bill at 95th Percentile
CGH 552 2,607 5,582 7,810
KTPH 760 2,735 6,102 7,894
KKH 799 2,009 4,095 5,682
NUH 663 2,936 5,835 8,801
NTFGH 529 1,824 4,358 5,845
SGH 658 3,393 6,962 9,819
TTSH 642 2,568 5,528 7,714
NHC 764 7,238 12,152 16,799
Room Type Class C (Open Ward)
Hospitals* Average Per Day ($) Average Total Bill ($) Total Bill at 90th Percentile Total Bill at 95th Percentile
CGH 405 2,395 5,190 7,406
KTPH 523 3,509 7,017 11,635
KKH 540 1,702 3,156 4,791
NUH 426 3,775 8,200 12,684
NTFGH 357 1,638 3,716 5,222
SGH 435 3,487 6,950 11,232
TTSH 330 2,773 6,120 9,068
NHC 691 8,613 14,792 24,465