Most of your costs are covered.
Understand coverage, claims and expected costs before treatment begins.
AARO's treatments are claimable under MediShield Life, Medisave, and all major Integrated Shield Plans. Cashless billing is available where applicable. Here's what to expect.
Financing your treatment
Making cancer care affordable.
We know that cancer treatment costs can be worrying for you and your family. This page helps you understand how to make the most of your financial resources — Medisave, MediShield Life, Integrated Shield Plans, employer cover and international insurance — so you can focus on getting the best care.
01 — Singaporeans & PRs
Employer & group insurance.
Employer or group medical benefits may cover part of your consultation, investigations or treatment, subject to the terms of your plan.
If you're employed, your company's HR department can tell you what medical benefits and insurance coverage you have under its group health plan. If your plan is one of our panels, you may be entitled to cashless service at our clinic. A GP referral letter may be required for your first visit.
Not sure if you're covered? Send us your policy details and we'll check your panel eligibility before your visit.
02 — Medisave
Using your Medisave.
Eligible Singaporeans and Permanent Residents may use Medisave for approved cancer treatments within prevailing withdrawal limits.
An account holder may use Medisave to pay for hospitalisation and certain outpatient expenses at any hospital in Singapore — for themselves and their immediate family members. The limits below apply to outpatient scans and treatment.
| Outpatient scan / treatment | Withdrawal limit |
|---|---|
| Radiotherapy | |
| External Beam Radiotherapy | S$80 per treatment |
| Brachytherapy with external radiotherapy | S$300 per treatment |
| Brachytherapy without external radiotherapy | S$360 per treatment |
| Superficial X-Ray | S$30 per treatment |
| Stereotactic Radiotherapy | S$2,800 per treatment |
| Stereotactic Radiosurgery | S$7,500 per treatment + S$300 per day daily hospital charge |
| Other treatment & scans | |
| Chemotherapy | S$600 per month |
| MRI, CT & other diagnostic scans | S$600 / year (cancer patients) · S$300 / year (non-cancer) |
03 — MediShield Life
MediShield Life.
MediShield Life provides basic health-insurance protection for eligible treatment, subject to claim limits and policy conditions.
MediShield Life is a catastrophic medical insurance that helps Singaporeans and PRs pay part of large hospitalisation bills, as well as certain outpatient treatments such as chemotherapy and radiotherapy. Premiums are paid from your Medisave account.
| Outpatient scan / treatment | Claim limit |
|---|---|
| External Beam Radiotherapy | S$300 per treatment |
| Brachytherapy | S$500 per treatment |
| Superficial X-Ray | S$140 per treatment |
| Stereotactic Radiotherapy / Radiosurgery | S$1,800 per treatment |
04 — Integrated Shield Plans
Integrated Shield Plans.
Integrated Shield Plans may provide additional private-care coverage; benefits depend on your insurer, plan and rider.
If you hold an Integrated Shield Plan from an approved private insurer, you'll have higher coverage for cancer treatment — the plan sits on top of what MediShield Life covers. Limits depend on your plan type, so please confirm the exact coverage with your insurer.
The table below shows outpatient cancer treatment limits under a representative private-hospital plan (NTUC Income IncomeShield Plan P). Most other Integrated Shield Plans listed above cover eligible treatment as charged — please confirm your exact plan and limits with your insurer.
| Outpatient treatment | Coverage limit (IncomeShield Plan P)* |
|---|---|
| Chemotherapy | S$4,000 per month |
| Radiotherapy — external / superficial / brachytherapy | S$600 per session |
| Stereotactic Radiotherapy | S$15,600 per session |
| Immunotherapy | S$2,000 per month |
*Limits shown are for one representative plan. Other listed insurers (AIA, Great Eastern, Prudential, Aviva, AXA and NTUC Enhanced IncomeShield) generally cover eligible outpatient cancer treatment as charged, subject to your policy terms.
05 — Foreigners & expatriates
International insurance.
International and employer insurance may apply. AARO can support benefit checks and documentation before treatment begins.
If you're an expatriate with a plan that covers you globally, please contact your insurer to confirm your coverage. With a Letter of Guarantee, we can arrange direct billing with your insurer.
Not sure what you're covered for?
Send us your policy details and our team will help you understand your coverage and estimated out-of-pocket costs before you begin.
Talk to our team→Coming with a referral?
WhatsApp or email your referral letter and insurance details, and we'll confirm your panel eligibility and next steps.
WhatsApp us→All figures shown are indicative and subject to change. Please verify current withdrawal and claim limits with the Ministry of Health and your insurer.