Stressed about cancer treatment costs in Singapore? You’re not alone. Many Singaporeans face this daunting challenge. If your loved one is battling cancer, understanding your financial options is crucial. This guide breaks down the support available, drawing from real experiences shared by Singaporeans on Reddit.
Navigating Healthcare System Now
- Singapore’s public healthcare system offers subsidized treatment, regardless of immediate affordability.
Hey there, public hospitals will treat your mother even if you can’t afford it. It will be heavily subsidized and they will put her / you on a repayment plan. The hospital will arrange a financial counseling session and they will talk you through the options. Don’t worry about it, I know the financial aspect seems overwhelming but there are options.
- MediFund exists to cover medical expenses for those who cannot afford them, even before approval.
At the public hospital that your mom is diagnosed, ask to see the medical social worker. They are very professional and will help you. In Singapore, there is a very well funded MediFund, whereby it’s to pay in full for cases like your mom. You can continue with all the doctor visits and treatment even before your application is approved.
- The government prioritizes ensuring citizens receive necessary healthcare, regardless of financial status.
Singaporeans can access immediate referrals to public hospitals through polyclinics. Government hospital bills are significantly subsidized, especially for lower-income families. One Redditor shared their ex-FIL’s experience with stroke, heart operation, and pneumonia, where the bill was “practically nothing” due to their low household income of just $3,000.
Singaporeans’ Affordability Concerns Rise
- The initial shock of a cancer diagnosis often leads to immense financial anxiety.
Hi all, I am 20yrs old & currently a NSF. My mother is suffering from lung cancer currently and cannot afford to pay for the treatment. She’s the only family I got, my parents were divorced a long time ago and my mom raised me by herself despite financial difficulties. I love my mom and cannot imagine living in this world without her. Is there any way to get/set up financial assistance for her?
- Navigating the various financial assistance schemes can feel overwhelming, especially during a stressful time.
Many Singaporeans are unaware of the full extent of available support, leading to unnecessary worry. Some may delay seeking treatment due to perceived high costs. The complexity of the healthcare system, with its various subsidies and insurance options, can be confusing, especially for those unfamiliar with it. It’s important to remember that help is available, but knowing where to find it is key.
Actionable Steps for Financial Aid
- Contact the Medical Social Worker (MSW) at the hospital immediately.
MSW here. Please do not go to MP as it just creates unnecessary administrative work for people like us who are already terribly busy. Just inform her oncologist for a referral or walk in to the medical social services department at the hospital.
- Explore MediShield Life, MediSave, and MediFund for financial assistance.
In Singapore, after government subsidies, there is still MediShield Life (insurance), MediSave, and if all else fails, there is MediFund. Your MSW will be able to advise further on the right steps to take.
- NSFs should inform their superiors about their family’s situation for potential support.
Consider public healthcare routes, including referrals from polyclinics. C-class wards in public hospitals offer comfortable environments with subsidized follow-up costs and medication. If your mother has critical illness insurance, initiate the claims process. Family Service Centres (FSCs) can also connect you with resources and support. Don’t hesitate to seek help – Singapore has a strong support system in place to ensure access to necessary healthcare.
