Cost of Insurance
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Cost to Seek Medical Treatment in Singapore
Medical treatment costs in Singapore can vary widely depending on your condition, the type of hospital you choose, and your insurance coverage. Whether you’re a self-paying patient or covered by corporate insurance, understanding your financial options is key to planning your care.
At Gastro Liver and Surgical Centre, we aim to make your healthcare journey smooth and stress-free — especially when it comes to managing costs. Whether you’re covered by a corporate insurance plan or a personal health policy, our team offers comprehensive financial assistance to help you.
For Self-Paying Patients
If you are paying out-of-pocket, please be assured that we follow MOH’s suggested fee guidelines to ensure our professional charges remain fair and transparent. Please be aware that there are some key factors that might affect your total bill:
- Type of Hospital: Public hospitals offer subsidised rates for Singapore Citizens and Permanent Residents, while private hospitals typically charge higher fees.
- Ward Class: Costs increase with higher-tier wards (e.g., 4-bedder, 2- bedder, Single Room or Private Suites).
- Doctor’s Fees: Charges may vary based on the specialist’s experience and demand.
- Procedure Complexity: More complex treatments may involve additional diagnostics, medications, or follow-ups.
- Additional costs may apply for diagnostic tests, medications, or follow-up care.
- Government subsidies such as Medisave may be applicable, but are subject to MOH guidelines and eligibility.
Tip: Use MediSave to offset eligible expenses such as day surgeries, colonoscopies, and gastroscopies. Withdrawal limits apply and may vary depending on the procedure.
For a detailed cost estimate tailored to your situation, please contact our clinic directly.
For Corporate or Insurance-Covered Patients
For Corporate or Insurance-Covered Patients
If your procedure is covered by corporate insurance or a private insurance provider, please note that:
- Final charges may vary based on your insurer’s coverage limits, claim approvals, and panel arrangements.
- Pre-authorization or referral requirements may apply.
- Pricing shown on this site may not reflect your actual out-of-pocket cost.
- Integrated Shield Plans (IPs) can cover a significant portion of your treatment, especially if your procedure is medically necessary.
- Our clinic can assist in applying for a Letter of Guarantee (LOG) to enable direct billing with your insurer.
- Hospital Choice: Coverage may differ based on whether the hospital is on your insurer’s panel. Always confirm with your provider before booking.
We advise checking with your HR department or insurance provider for the most accurate breakdown of benefits and coverage.
For help navigating your insurance benefits, contact us at +65 6635 7000, send a WhatsApp message at +65 9169 3689 or email glsc.enquiry@gmail.com to find out more.
Financing & Cashless Services at Gastro Liver and Surgical Centre
Cashless Admission Available
Eligible patients may enjoy our Cashless Service, which allows you to be admitted for treatment without upfront payment at admission or discharge. This is made possible through partnerships with major insurers and pre-approved Letters of Guarantee (LOG).
Supported Insurance Providers
We work with major insurance providers, including :
- AIA
- Great Eastern
- HSBClife
- Singlife
- Prudential
Corporate Insurance :
- Alliance
- DA adept
- Fullerton
- FWD
- IHP
- MHC
- Tokio Marine
Insurance Partners / Corporate Insurance
What We Can Help You With
- Pre-authorization requests
- LOG applications for cashless procedures
- Claim submission and follow-up
- Medisave coordination (where applicable)
- Financial counselling before your procedure
Understanding Your Coverage
Whether you’re preparing for surgery, a diagnostic procedure, or outpatient care, our team is here to guide you through your financing options. We’ll help you understand:
- What’s covered under your Integrated Shield Plan
- How to combine Medisave and insurance for maximum savings
- What to expect in terms of co-payments or deductibles
Our staff can guide you and assist with LOG applications to ensure a smooth medical journey. Call us at +65 6635 7000, send a WhatsApp message at +65 9169 3689 or email glsc.enquiry@gmail.com to understand your coverage and insurance benefits.
Can I Use MediSave for My Procedure at Gastro Liver and
Surgical Centre?
If you’re a Singapore Citizen or Permanent Resident with an active MediSave account, you can use your funds at both public and private healthcare institutions — including Gastro Liver and Surgical Centre.
MediSave withdrawal limits typically cover costs for subsidised wards (B2 or C) in public hospitals. If you choose a private hospital or a higher-tier ward (B1 and above) in public hospital, additional out-of-pocket expenses may apply.
MediSave can also be used for diagnostic procedures such as gastroscopy and colonoscopy, especially when symptoms suggest a medical condition requiring investigation. Current claimable amounts are:
- Gastroscopy: Up to $650
- Colonoscopy: Between $950 and $1,550, depending on whether polyps are removed during the procedure
Please note: These figures are for reference only. Final claimable amounts may vary based on changes in facility fees, insurance policies, and government MediSave guidelines.
For personalised advice, speak to our clinic staff during your visit.
Can I Use My Integrated Shield Plan (IP)?
Yes, your Integrated Shield Plan may cover your procedure or investigation at Gastro Liver and Surgical Clinic. Coverage varies depending on your insurer, plan type, and ward selection.
To ensure a smooth, cashless experience, check your policy details and inform our staff in advance. We can assist with applying for a Letter of Guarantee (LOG) from your insurer, which allows direct billing once approved.
For fee estimates, click below to explore procedures like:
What Costs Are Covered by MediShield Life?
MediShield Life is a basic health insurance plan for all Singapore Citizens and Permanent Residents. It helps offset large hospital bills and treatments for serious conditions like cancer.
Coverage is strongest for subsidised wards (B2 or C) in public hospitals. If you opt for private hospitals or higher-tier wards, MediShield Life may cover only a portion of the bill.
If you have an Integrated Shield Plan, your private insurer can process claims and pay the medical institution directly. Any remaining costs — including deductibles and co-insurance — may be paid using MediSave or cash.
For a full breakdown of your coverage, speak to our clinic team.
How Can I Ensure Cashless Payment?
To enjoy a seamless, cashless experience:
- Check with your insurer about your coverage
- Inform our staff before your procedure
- Provide relevant insurance documents during your visit
If eligible, we’ll help you apply for a Letter of Guarantee(LOG) so your insurer can make payment directly to the hospital for your procedures done.
Call us at +65 6635 7000, send a what’s app message at +65 9169 3689 or email glsc.enquiry@gmail.com to find out more information.
Payment Options Available
Gastro Liver and Surgical Centre accepts:
►Cash
►Paynow
►Major credit cards (Master/Visa/Amex)
►Bank Transfer
If your bill is covered by your employer or insurer, we can assist with direct billing arrangements and LOG applications.
Visit our website https://glscentre.com for a full list of treatments and procedures.
Can Gastro Liver and Surgical Centre Help with My Medical Claims?
Our team offers financial counselling before your procedure to help you understand your options — whether you’re using MediSave, MediShield Life, Integrated Shield Plans, or private insurance.
Bring your insurance documents during your visit for a detailed explanation of your coverage and claims process.
For assistance, contact us at +65 6635 7000, send a WhatsApp message at +65 9169 3689 or email glsc.enquiry@gmail.com.
Choosing Where to Be Treated
Dr. Vincent Lai is accredited to perform procedures at several hospitals across Singapore. While consultations and follow-ups are held at Farrer Park Medical Centre, patients may choose to undergo treatment at another hospital for convenience or cost reasons.
Hospitals Dr. Vincent Lai Operates At:
- Farrer Park Hospital
- Mount Elizabeth Novena
- Mount Elizabeth Orchard
- Gleneagles Hospital
- Parkway East Hospital
- Mount Alvernia Hospital
- Many Day Surgery Centres
Payment Options Available
After your initial consultation at Farrer Park Medical Centre, our team will confirm if Dr. Vincent Lai is authorized to perform your procedure at your preferred hospital.
Benefits of Switching Hospitals:
- Cost Savings: Some hospitals may offer lower procedure fees or more affordable ward options.
- Location Convenience: Choose a hospital closer to home or work.
- Insurance Flexibility: Some insurers offer better coverage at specific institutions.
Things to Consider:
- Clinic Location: Gastro Liver and Surgical Centre is based at Farrer Park Medical Centre, so follow-ups will be held there.
- Appointment Availability: Scheduling may vary slightly depending on the hospital’s operating hours and capacity.
Will My Insurance Still Apply?
Yes, but coverage depends on your insurer’s policies and whether the hospital is part of their approved network. For a full breakdown of your entitlements, speak with our staff during your visit. We’ll help you understand:
- What’s covered under your Integrated Shield Plan
- Whether a LOG can be issued for cashless treatment
- What portion of your bill may be claimable via MediSave
Need Help Understanding Your Costs?
Our team provides financial counselling to help you plan your treatment confidently. Whether you’re using MediSave, private insurance, or corporate coverage, we’ll walk you through:
- Estimated procedure fees
- Claimable amounts
- Payment options and billing arrangements
For help understanding the cost for your procedure, contact us at +65 6635 7000, send a WhatsApp message at +65 9169 3689 or email glsc.enquiry@gmail.com
Medical & Pricing Disclaimer
The information provided on this website — including procedure details, health content, and cost estimates — is intended for general reference only. It does not replace professional medical advice, diagnosis, or treatment. Gastro Liver and Surgical Centre recommends consulting our medical team for personalized guidance before making healthcare decisions.
Book Your Medical Visit Now
Prioritize your health today by scheduling a medical visit with our experienced healthcare team. Whether you need a routine check-up, diagnostic services, or specialized treatment, we’re here to provide expert care tailored to your needs. Book your appointment now and take a proactive step toward a healthier life.
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Mon - Fri: 9:00AM - 5:00PM
Sat: 9:00AM - 12:30PM
Sunday & PH: Closed