25 May 2016

About Wife's Valve Replacement Surgery Cost

Today I emailed NUH and enquired about the cost range of her type of operation for C class ward, they sent me a Care Cost Form for 8 days of hospitalization for Valve Repair / Replacement surgery, the price range starts from $24,551 for mild case to $35,462 for complex case. The form also suggested that the likely total could be $27,279, not sure how they derive the likely total but I guess it's a median number.

I think the form never include the possibility of staying in ICU, I read from NUH website, it mentioned that after valve replacement surgery, need to stay in ICU for 1-2 days, then in normal ward for 3-4 days. Anyway I guess for complex case need to stay longer.

I did my own calculations based on information from here, I came up with 4 scenarios:

MildLikelyComplexExtreme
Hospital bill$24,551.00$27,279.00$35,462.00$100,000.00
Less 55% subsidy for PR$11,047.95$12,275.55$15,957.90$45,000.00
C class pro-ration for PR$4,861.10$5,401.24$7,021.48$19,800.00
Less deductible for C class$1,500.00$1,500.00$1,500.00$1,500.00
Claimable amount$3,361.10$3,901.24$5,521.48$18,300.00
For 1st co-insurance$3,500.00$3,500.00$3,500.00$3,500.00
1st $5K$336.11$350.00$350.00$350.00
After $5K$0.00$401.24$2,021.48$14,800.00
2nd $5K$0.00$20.06$101.07$250.00
After $5K$0.00$0.00$0.00$9,800.00
Above $10K$0.00$0.00$0.00$294.00
Less co-insurance$336.11$370.06$451.07$894.00
Medishield life pays$3,024.99$3,531.18$5,070.40$17,406.00
Medisave and/or cash$8,022.96$8,744.37$10,887.50$27,594.00
Estimated cash$4,011.48$4,372.19$5,443.75$13,797.00

From the calculations also difficult to tell exactly how much cash I need to prepare but I guess 50% of the leftover amount should be safe so at the end I put the estimated cash at 50% of the Medisave and/or cash amount. No harm to buffer more.

5 comments:

Unknown said...

wow, u really scare the hell out of me. I think I married to monk hood lah.

SK said...

Hopes everything goes smoothly and God bless..

Suji Ama said...
This comment has been removed by the author.
Suji Ama said...

Hope everything will be alright and May God bless her & the family.

Take good care of the little one during her hospitalisation time.

marrythaigirlsingapore said...

Hi all,

Thanks for the kind words!

Hi Unknown,

Haha, still ok la, I think I over-estimated a bit but I'm the kiasu type, better prepare for more than to be short.