3 in 5 Singaporeans can’t afford vital medical care

There is also uncertainty over where to seek treatment adds to the problem.

Cost concerns and uncertainty over coverage are driving many Singapore residents to delay medical care, highlighting the need for insurers to improve cost transparency and patient guidance, according to a new Economist Impact report commissioned by Prudential plc.

The report, Patient Voices Singapore: Towards More Informed and Seamless Care, found that 83% of respondents had postponed medical treatment in the past year. 

Nearly a quarter (23%) said they did so because of cost concerns, whilst more than six in ten worried they could not afford the care they needed. 

About half said their medical bills were higher than expected.

Dr. Sidharth Kachroo, Chief Health Officer at Prudential Singapore, said health insurers have a key role in ensuring patients understand what is covered, what is paid out of pocket, and how to access care efficiently. 

He noted that Prudential’s preferred hospital partnerships help give policyholders greater cost certainty, as fees are agreed upfront and on-site concierge officers assist with policy queries.

The study also found that uncertainty over where to seek treatment adds to the problem. 

Sixty-one percent of respondents said they lacked sufficient information to make treatment decisions, whilst 60% said they often did not know where to go when unwell.

Kachroo said that whilst Singapore’s healthcare system is strong, improving awareness of available support across both public and private sectors is key to helping patients feel more confident in seeking care.

Arjan Toor, CEO for Health at Prudential plc, added that insurers can ease the patient journey by helping customers find the right doctor, understand their benefits, and anticipate costs.

The report surveyed 1,024 adults in Singapore between April and May 2025 and underscores insurers’ growing role in improving affordability, education, and access within the healthcare system.