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Singapore Healthcare Guide

3M system — Medisave, Medishield Life, Medifund. World's #6 healthcare system. Efficient, high quality.

🏥 The 3M System

💰 Medisave

• Personal healthcare savings (part of CPF)
• 8-10.5% of salary goes to Medisave
• Use for: Hospital bills, surgeries, outpatient
• Cap: S$68,500 (2026)
• Can use for family members too

🛡️ MediShield Life

• National health insurance — EVERYONE covered
• Large hospital bills + expensive treatments
• Premiums: S$130-$2,100/year (age-dependent)
• Paid from Medisave
• Covers B2/C ward at public hospitals

🤝 Medifund

• Government safety net for the needy
• For those who can't afford after Medisave + MediShield
• Application-based via hospital medical social worker
• Grants, not loans — no repayment

🩺 Key Info

  • Public hospitals: SGH, NUH, TTSH, CGH — subsidized. B2/C wards = highly subsidized for citizens/PR.
  • Private hospitals: Gleneagles, Mount Elizabeth, Raffles — excellent but expensive. Insurance recommended.
  • Polyclinics: Government clinics in every town. S$12-$20 per visit (citizen). Walk-in.
  • Expats: Must have private insurance. Company usually provides. S$200-$500/month.
  • Emergency: 995 (ambulance). A&E at public hospitals. Can be expensive for non-residents.
  • Life expectancy: 84 years — one of the highest globally!

📖 Explore More

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Cost of Living

Medical Costs
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Visa

Insurance Req.
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Economy

Healthcare Jobs
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Banking

CPF Account