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Health Screening in Singapore — How Much Does a Health Screening Package Cost?

·14-min read
Health Screening in Singapore
Health Screening in Singapore

Just about every Singaporean knows about the importance of health screenings. After all, catching a serious ailment too late could mean death or huge medical bills. But how much do you really know about health screenings and how much they cost in Singapore? Here’s the low down.

Price list: Health screening packages in Singapore

As it turns out, the cost of health screenings in Singapore can vary… quite wildly, actually. Here are some health screening prices compiled from a mix of public hospitals, private hospitals and private clinics.

Healthcare provider

Health screening packages

Cost

Central Clinic

Basic Package to Comprehensive

$48 – $338

Raffles Medical

Raffles Basic to Raffles Platinum

$74.90 – $10,000+

Ng Teng Fong Hospital

Essential Package to Enhanced A

$88 – $185

Singapore General Hospital

Basic to Enhanced Chronic Disease Assessment

$363.80 – $749

Mount Alvernia Hospital

Prime/ Premier/ Exclusive

$695.50 – $1,444.50

LifeScan Medical Centre

Wellness to Royal Elite

$218 – $8,453

Tan Tock Seng Hospital

Core Screening to Three High Packages

$200 – $530

National University Hospital

Basic to Hepatitis B Screening

$260 – $530

Sata CommHealth

Lite to Platinum

$275 – $1,390

Thomson Wellth Clinic

Lite to Platinum Prestige Packages

$348 – $6,488

Farrer Park Hospital

HealthTrack Regular to Premier

$350 – $1,780

Healthway Medical

Classic to Royal Packages

$350 – $4,500

Changi General Hospital

Core, Core 50 Packages

$360 – $380

Parkway East Hospital

Screen Classic to Screen Prestige

$468 – $6,498

Fullerton Health

Live Fuller Premium to Live Fuller Platinum

$500.76 – $1,806.16

As you can see from this snapshot, a health screening needn’t necessarily be expensive. But, cheaper health screenings tend to have much fewer lab tests and thus might not be as effective at catching diseases.

Ultimately, you should look at what’s in each package before deciding if the tests are relevant to your health concerns, and if the price is worth it.

Do polyclinics offer health screenings?

You’ll notice that polyclinics are conspicuously absent from the list of health screening packages above. That’s because polyclinics do NOT offer comprehensive health screenings — they only provide health screenings for specific diseases (e.g. diabetes, hypertension and high cholesterol).

So you can’t waltz into the nearest polyclinic with no symptoms and ask for a full body check-up. You can, however, request specific screenings for diseases you might be prone to, due to lifestyle or genetics.

If you’re a Singaporean, you can also get super cheap health screenings at GP clinics under the Health Promotion Board’s Screen for Life programme. Depending on what card you hold, you’ll pay no more than $5 for each screening:

Eligibility

Cost of health screening

Eligible Singapore Citizens / CHAS (Green)

$5

CHAS (Blue) / CHAS (Orange)

$2

Merdeka Generation

$2

Pioneer Generation

Free

Again, these are for specific diseases only, not a full-body check-up. Which subsidised health screenings you can go for depend on your age and sex:

Age group

Screen for Life health screenings

25 years & up (female)

Cervical cancer (Pap smear)

40 years & up

High blood pressure, obesity, diabetes, high blood cholesterol, cervical cancer

50 years & up

All of the above + breast cancer, colorectal cancer

The fee includes necessary screening tests and one follow-up consultation. Singapore PRs are not eligible for these heavy subsidies, but they can get cheaper rates for certain screenings (e.g. $10 for blood cholesterol test) at CHAS clinics.

How much do health screenings cost at public hospitals?

So how much does it actually cost to get a comprehensive health screening that checks for everything, not just 1 or 2 diseases?

Most Singaporeans have a lot of faith in public healthcare, so for important procedures like a health screening, many would prefer to go to a public hospital.

However, health screenings are not subsidised because you can’t get a referral from a polyclinic or from A&E. So, they’re not necessarily cheaper than a private clinic. Furthermore, the prices of health screening packages (as well as the component tests in each health screening!) vary a lot from one public hospital to another.

Public hospital

Health screening package

Cost

Ng Teng Fong Hospital

Essential Package

$88

Singapore General Hospital

Basic Chronic Disease Assessment

$363.80

Tan Tock Seng Hospital

Core Screening Package

$200

National University Hospital

Basic Screening

$260

Changi General Hospital

Core Health Screening

$360

Note: Khoo Teck Puat Hospital and KK Hospital does not offer health screening packages anymore.

How much do health screenings cost at private hospitals?

Although private hospitals tend to be much pricier than public hospitals in Singapore, there’s a big range in prices when it comes to health screenings. Therefore, private hospital screenings aren’t necessarily more expensive — it depends on what tests you want to include.

As a general rule, private hospital tend to offer packages with more exhaustive lists of tests and screening procedures. That said, basic health screening packages do exist (and at fairly competitive prices too).

Private hospital

Health screening package

Cost

Raffles Medical

Raffles Basic

$74.90

Mount Alvernia Hospital

Basic 120

$131.60

Farrer Park Hospital

HealthTrack Regular

$350

Parkway East Hospital

Screen Classic

$468 / $498

How much do health screenings cost at private clinics?

If you thought there was a lot of price variation among the hospitals, wait till you see what it’s like with the clinics. Due to the intense competition, it’s possible to find super cheap health screening packages (under $50!) at a clinic. At the same time, prices can also go up to $300.

Here’s a small sampling of clinics in Singapore to show you the variation in prices:

Healthcare provider

Health screening package

Cost

Central Clinic

Basic Package

$48

LifeScan Medical Centre

General Health Screening

$180

Sata CommHealth

Lite

$275

Thomson Wellth Clinic

Lite

$348

Healthway Medical

Classic Package

$350

Fullerton Health

Live Fuller Premium

$500.76

Which is the cheapest health screening in Singapore?

Our brief survey of the health screening options in Singapore shows that there’s a massive range of prices AND huge differences in what the packages entail.

As we’ve shown, private does NOT necessarily mean more expensive than public when it comes to health screening prices.

The cheapest health screening we found turned out to be the $48 Basic Package at Central Clinic.

But clinics are generally less recognised than big brand names like Raffles Medical and Tan Tock Seng Hospital, so make sure you’re comfortable with that. On the other hand, you might get more personalised service if it’s with, say, your family doctor.

Generally, the more tests a package has, the more expensive it is. Provided you’re still young and healthy, and not genetically predisposed to certain disorders, you may want to opt for one of the super basic health screenings without all the bells and whistles.

However, you’ll probably want to discuss the options with your regular doctor before you commit to a screening, just in case there’s something you didn’t think to look out for.

Can you pay for health screenings with Medisave?

As you can see, going for a comprehensive health screening is not cheap. Unfortunately, you can’t offset general health screenings with Medisave.

Medisave can only be used for a limited range of specific screenings, such as mammograms (only for women aged 50 and up).

If you already have a chronic disease like diabetes or hypertension, you might be able to make claims for screening as part of outpatient treatment.

Can you claim the fees from your health insurance?

Although Integrated Shield Plans are essential for coping with healthcare costs in Singapore, your regular health screenings are generally not covered.

However, certain health insurance plans do offer rewards for going for regular health screenings.

For example, if you’re an AIA policyholder enrolled in the AIA Vitality programme, you can earn points for going to eligible screenings. You can redeem your points for discounts on your insurance premiums.

AIA logo
AIA logo

Covers critical illnesses & COVID-19

AIA HealthShield Gold Max

Max. Annual Coverage Limit

S$2,000,000

Pre-Hospitalisation Benefit

100 days

Post-Hospitalisation Benefit

100 days

Apply NowApply directly on MoneySmart

More Details

Key Features

  • Pre-Hospitalisation: Treatment bills covered fully aka “As Charged” within 100 to 180 days prior to hospitalisation stay

  • Hospitalisation: Daily room, ICU, community hospital covered fully

  • Post-Hospitalisation: Treatments covered fully within 100 to 180 days, or up to 13 months after hospitalisation for plan A holders seeking treatments with AIA panel doctors

  • Critical Illnesses: Coverage for 30 critical illnesses within 100 days post-hospitalisation, bills covered fully

  • Surgery: Covers all MediSave-listed surgical procedures, including organ and stem cell transplant, and surgical implants

  • Pregnancy Complications: Fully covers 26 pregnancy complications, including ectopic pregnancy, eclampsia, miscarriage, haemorrhage, still birth, gestational diabetes, and more.

  • Newborn Congenital Abnormalities: Covers S$3,000 to S$5,000 per child for female insured’s biological child

  • Organ Transplant: From S$20,000 to S$60,000 coverage per transplant if you are the donor or recipient

  • Psychiatric Treatment: From S$1,000 to S$5,000 coverage for in- and post-hospital psychiatric treatments per policy year

  • Includes additional coverage for COVID-19 for free

See all card details

Meanwhile, NTUC IncomeShield policyholders can get discounted health screenings at their partners. You can apply for this health insurance plan here.

NTUC Income logo
NTUC Income logo

Best Public Hospital Plans & Covers COVID-19

NTUC IncomeShield

Max. Annual Coverage Limit

S$1,500,000

Pre-Hospitalisation Benefit

180 days

Post-Hospitalisation Benefit

365 days

Apply NowApply directly on MoneySmart

More Details

Key Features

  • Full “As Charged” coverage for inpatient hospital ward, Intensive Care Unit (ICU), along with related miscellaneous fees such as doctor’s fees, prescriptions etc. for all plans

  • Full “As Charged” coverage for MediShield-approved surgeries, including day surgeries for all plans

  • Coverage for pre-hospitalisation treatments up to 100 days prior to hospitalisation if you visited a non-NTUC panel clinic or doctor; up to 180 days pre-hospitalisation if you visited a NTUC panel clinic

  • Post-hospitalisation coverage up to 100 after discharge if you are visiting a non-NTUC panel clinic or doctor; up to 365 post-discharge if you are visiting a NTUC panel clinic

  • Coverage for 90 days of community hospital stay if you were referred by your doctor for admission immediately after your discharge from the hospital

  • “As Charged” coverage for outpatient chemotherapy, radiotherapy, and immunotherapy for cancer

  • “As Charged” coverage for renal dialysis, erythropoietin for chronic renal failure, drugs approved for organ transplant, and long-term parenteral nutrition

  • Other benefits include post-mastectomy breast reconstruction, congenital abnormalities, pregnancy and delivery-related complications, organ transplant or donation, cell, tissue, and gene therapy, bone marrow transplant, and prosthesis

  • Emergency overseas treatment you received will be covered up to the equivalent of the treatments’ prices in private hospitals in Singapore

See all card details

The popular AXA Shield does not offer a specific health screening benefit, but it does offer policyholders a subsidised GP consultation fee which can help with your healthcare costs.

AXA logo
AXA logo

Promotion

Best Private Hospital Plans & Covers COVID-19

AXA Shield

Max. Annual Coverage Limit

S$1,000,000

Pre-Hospitalisation Benefit

180 days

Post-Hospitalisation Benefit

365 days

Promotion:

Get 10% First Year Premium Discount for all Public Officers and dependents!

Valid until 30 Apr 2022

Apply NowApply directly on MoneySmart

More Details

Key Features

  • Full coverage for your hospitalisation, room, board, medical related services, Intensive Care Unit (ICU) expenses, although co-insurance, deductibles, and pro-ration factors apply

  • Full coverage for MediSave-approved surgeries (all surgeries listed in Tables 1A to 7C), although co-insurance, deductibles, and pro-ration factors apply

  • Up to 180 days pre-hospitalisation coverage for treatments, including any Accident and Emergency (A&E) treatments 24 hours prior to hospitalisation

  • Up to 365 days post-hospitalisation coverage for treatments if you seek treatment at pre-authorised private hospitals, restructured, or community hospitals

  • Coverage for planned inpatient and emergency treatments in Aviva pre-authorised hospitals

  • Coverage for major outpatient treatments: kidney dialysis, erythropoietin, chemotherapy, radiotherapy, brachytherapy, immunotherapy, stereotactic radiotherapy, and immunosuppressant drugs for major organ transplant

  • Additional coverage for 5 critical illnesses heart attacks, major cancer, stroke, end stage lung disease, and end stage liver disease

  • Coverage for preventive cancer surgery if you have previously filed a claim for cancer treatment with Aviva MyShield

  • Free coverage for newborn if both you and your partner are Aviva MyShield policyholders

  • Discounted premiums for your children if both you and your partner are Aviva MyShield policyholders

See all card details

What goes into a basic health screening package?

Types of Health Screening packages
Types of Health Screening packages

Health screenings can either be specific or general. If you suspect or are at risk for a specific ailment (say a hereditary disease), most clinics and hospitals have a full list of screening procedures for various ailments which you can pick and choose from.

But if you’ve got nothing in particular in mind, you can go for a general health screening, often known as a comprehensive health screening. This comprises a physical check-up and several medical tests to screen for common conditions such as diabetes, high blood pressure and high cholesterol.

4 Basic Components of a Health Screening Package
4 Basic Components of a Health Screening Package

Every basic health screening package should entail these 4 components, at minimum.

  • Medical health assessment: A chat with your doctor to assess your medical history and lifestyle and identify any potential risks you might have.

  • Physical examination: The doctor should take your height and weight, measure your BMI and check your vision.

  • Blood glucose test: A blood sample is taken after fasting, to test for diabetes.

  • Cholesterol (lipid) test: A test for high cholesterol and heart-related diseases, taken after fasting.

Individual hospitals may offer other medical tests in their basic health screening packages. So apart from checking the price, you also need to know what exactly is in the package. Common add-ons include…

  • Blood pressure test: The doctor takes your blood pressure to check for hypertension (high blood pressure).

  • Urine analysis: Your pee is examined as an indicator of your overall health and proper kidney function.

  • Full blood count: A blood sample is examined to determine if you have anaemia.

  • ECG (electrocardiogram): Using electrodes placed on your skin, this test records your heart activity and checks for heart conditions.

Some hospitals/clinics will also let you choose some add-ons to your package at a fee, which you should consider if there are particular conditions you are worried about or predisposed to.

How often should you go for a health screening?

Going for health screenings is important as you’ll want to detect diseases as soon as possible — early detection generally makes treatment more effective.

How often should you get your health screened?
How often should you get your health screened?

The necessity of a comprehensive health screening really depends on your age, health and family history. When in doubt, ask your doctor what he would recommend.

When you’re young, you won’t need to undergo it every single year. In fact, certain types of screening like mammograms and x-rays can actually be harmful and should not be overdone.

However, after you reach a certain age — and this threshold varies from person to person — annual comprehensive health screenings are a good idea. Your doctor should be able to advise you on what to get screened for and at what age depending on your health and family history.

Don’t be too put off by the prices of screening packages. Not going for a screening and falling sick as a result could end up costing you a lot more in the long run, so when you reach a certain age you definitely want to consider going for a comprehensive health screening more regularly.

Comparing Public and Private Hospitals
Comparing Public and Private Hospitals

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