Surgical Cost & Financing Options in Singapore

Cost & Financing

Can I Use Medisave To Cover The Cost Of My Procedure At G&L Surgical Clinic?

Medisave can be used at all public and private healthcare institutions as long as you are a Singapore Citizen or a Permanent Resident in Singapore with an existing Medisave account.

The MediSave Withdrawal Limits are generally enough to cover the medical costs incurred if you stay in a B2 or C ward in a public hospital. However, if you opt to switch to a ward type (B1 and above) or to a private hospital, you may be required to fork out additional cash to settle the bill.

However, Medisave can also be used to pay for specific investigations such as Gastroscopy or Colonoscopy if you are experiencing discomfort or suspect that you may have a condition that needs to be diagnosed.

The amount claimable from Medisave is $650 for gastroscopy and between a range of $950 to $1,550 for colonoscopy. Do note that this figure depends on whether any polyps have been removed during the procedure.

For more information and better advice on your medical and financial claims, please speak to our staff to find out more.

Schedule an Appointment

Concerned about your symptoms or condition? Book a consultation to get clarity and tailored care.

Can I Utilise My Integrated Shield Plans For My Procedure At G&L Surgical Clinic?

Your Integrated Shield Plan (IP) can be utilised for your procedure or investigation. If you have either private or company health insurance, note that the coverage for each plan may differ. It is essential to know how much coverage you are entitled to in order to ensure that your procedure is cashless.

Consider your options and needs based on the hospital ward and choice of the hospital you are selecting so that you will not be paying more than necessary.

For more information and better advice on your medical and insurance claims, please speak to our staff to find out more.

Alternatively, click the link to obtain an estimated fee for these procedures:

Can I Use Medisave To Cover The Cost Of My Procedure At G&L Surgical Clinic?

All Singapore Citizens and Permanent Residents are eligible for MediShield Life. It is a basic health insurance plan which helps to cover larger hospital bills and costly treatments for conditions such as cancer.

The primary usage of MediShield Life is for treatment in public hospitals that are subsidised (Ward B2 or C). However, you can also utilise the plan for Private Hospitals or higher ward types at public hospitals (B1 and above), although the coverage may only make up a small portion of the bill.

It is also essential to also ensure that you have personal healthcare insurance to offset a more significant portion of the bill.

Suppose you have an Integrated Shield Plan (IP). In that case, your private insurer will be able to assist you in processing the medical claims and make the total payment to the medical institution on your behalf.

Any outstanding amount (inclusive of coinsurance and deductible) may be covered by MediSave and/or cash.

For a detailed breakdown of your financial coverage, you can speak to our staff for more information.

How Can I Ensure Cashless Payment For My Procedure/Investigation?

G&L Surgical Clinic can assist you in your financial queries about your investigations or procedures. To ensure that you have a seamless and cashless payment, please check with your insurer and inform our staff prior to your procedure of the various personal and company medical insurance plans that you hold.

Should your condition entitle you to an insurance claim, our staff will assist you with applying for a Letter of Guarantee from the relevant insurance partners, who will make the payment on your behalf once it has been approved.

Please approach our staff at the clinic on your visit if you have other financial concerns or speak to our team at +65 6255 1234 for further assistance.

What Are The Payment Options Available For My Procedure Or Investigation At G&L Surgical Clinic?

G&L Surgical Clinic accepts all payment modes, including cash, cheque, Nets, Medisave, and major credit cards.

Suppose your bill is to be settled by your employer or insurance company, with direct billing arrangements with the hospital. In that case, we can assist you with applying for a Letter of Guarantee from the relevant insurance partners working with us.

You can visit our website for our list of treatments and procedures for more information.

What Are The Insurance Options Available For Me If I Seek Treatment At G&L Surgical Clinic?

G&L Surgical Clinic works with most major insurance partners AXA, AIA, Aviva, NTUC Income, Tokio Marine and Prudential.

If you have any queries regarding our personal and company insurance benefits, speak to our staff for more information. We can also assist you in applying for a Letter of Guarantee from the relevant insurance partners to help ensure a smooth and worry-free medical journey with us.

Will G&L Surgical Clinic Be Able To Assist Me With My Medical Claims?

At G&L Surgical Clinic, our team endeavours to provide you with the financial counselling you require before your procedure.

If you have any queries regarding the financing options and assistance available for your treatment, be it personal or company health insurance, Medisave, Integrated Shield Plans or Medishield plan. We advise that you bring the relevant documents during your visit to the clinic for a comprehensive breakdown explanation of your claims.

Should you have any questions regarding your condition and the financial options available, our team at G&L Surgical Clinic will be glad to assist you.

How Much Does It Cost To Seek Medical Treatment For My Condition?

The cost of medical treatment in Singapore may vary for different individuals based on their condition and several other factors. Thankfully, whether you opt for a government or private hospital, a large part of the cost incurred (for investigation or treatment) is covered by the Medisave Scheme, which applies to all Singaporeans and Permanent Residents in Singapore.

Apart from that, specific company and private health insurance plans may help you cover a portion or even the entire cost of investigation or treatment. You are advised to check with the relevant parties for advice on your insurance coverages.

When deciding on the choice of hospitals (government or private), it is essential to know that the medical charges and costs may vary. Where possible, you are advised to read up on the expected price ranges of the wards before deciding on the hospital for your treatment.

Lastly, when selecting a private doctor or specialist, the doctor’s fees may differ depending on their experience and the demand for their services. Financial counselling is a must when it comes to any procedure required.

Should you have any questions regarding your condition and the financial options available, our team at G&L Surgical Clinic will be glad to assist you.

What Is the Process for Patients Looking to Be Treated by Dr Ganesh in a Different Hospital?

All patients need to do is call in to make an appointment to see a doctor, and we will attempt to make the necessary arrangements. Our team will inform you if Dr Ganesh Ramalingam can operate at the hospital you have requested.

Will Consultation Still Be at Mount Elizabeth Novena?

Consultations and subsequent follow-ups will still be held at Mount Elizabeth Novena, where G&L Surgical is located. Dr Ganesh Ramalingam will first see the patient at the clinic, and if they opt to be treated at a different hospital, we will need to check if he is authorised to practise there.

What Are the Hospitals That Dr Ganesh Can Operate At?

The hospitals that Dr Ganesh Ramalingam is authorised to practise at are:

• Mount Elizabeth Novena
• Mount Elizabeth Orchard Hospital
• Gleneagles Hospital
• Parkway East Hospital
• Mount Alvernia Hospital
• Farrer Park Hospital
• Thomson Medical Centre
• Novena Surgery Centre
• Aptus Surgery Centre

Will My Insurance Still Be Able to Cover My Healthcare at a Different Hospital?

Medical insurance coverage will differ depending on the patient’s medical insurance and their company’s medical insurance (if employed). For a complete breakdown of the coverage one can expect for the necessary treatment or investigations, patients are advised to approach our staff at the clinic for further assistance.

What Are the Benefits for You and Your Patients With This Option of Being Treated in a Different Hospital?

Costs for specific procedures or investigations may vary at different hospitals or medical centres, so patients looking to save on medical fees may opt to stay at another hospital.

Are There Any Downsides to Opting to Be Treated in a Hospital Other Than Mount Elizabeth Novena?

No, there are no immediate downsides to any hospital that Dr Ganesh Ramalingam can practice in, such as longer waiting times for an appointment. The only difference is that G&L Surgical Clinic is based only at Mount Elizabeth Novena, so it helps if patients want to have the treatment or procedure performed within proximity of the clinic.