What special-needs care really costs
Autism, ADHD, developmental needs. Here are the real numbers for Singapore, in plain figures. And yes, your child can still be insured.
Most parents land here after a hard day. A rejection letter, a quote that made no sense, or a late-night search that turned up more worry than answers.
You don't need a policy this minute. You need a clear picture. Here's one.
Start with the real costs
Before insurance, most families want to know what they're actually looking at. These are the numbers, in plain figures.
ADHD assessment & diagnosis cost
What a private vs public ADHD assessment actually costs in Singapore, and where to start.
Read the guideABA therapy cost
Real hourly and monthly figures for ABA, and whether any of it is subsidised.
Read the guideSpeech therapy cost
What a speech therapy session runs in Singapore, public and private.
Read the guideEarly intervention (EIPIC)
How the EIPIC programme works, what it costs, and how to apply.
Read the guideWhat insurance can and can't cover
Therapy costs usually aren't insurable. But hospitalisation, medical and longer-term protection can still be options, and they work differently before and after a diagnosis.
Insurance after a diagnosis
What stays open once your child has a diagnosis, and what usually doesn't.
Read the guideDo you have to disclose a diagnosis?
How disclosure works on an application, and why it matters.
Read the guideMediShield Life vs Integrated Shield Plans
What the national scheme covers for every child, and what a private plan adds.
Read the guideIntegrated Shield Plans & autism
How insurers tend to assess an IP application for an autistic child.
Read the guideAutism insurance: the overview
A plain-English map of the coverage types and how they fit together.
Read the guideEvery child's application reads differently. A MAS-licensed adviser can tell you what's realistic for yours before you apply. No obligation.
Plan for the long term
When the immediate questions are answered, most parents start thinking about what happens when they're no longer around. Trusts and long-term planning are how that gets handled.
Special Needs Trust (SNTC)
How the Special Needs Trust Company works, and who it's for.
Read the guideSNTC vs a private trust
The trade-offs between the SNTC and setting up a private trust.
Read the guideFinancial planning for the long term
Pulling CPF schemes, insurance and trusts into one plan for your child's future.
Read the guideCommon questions from special-needs parents
Want a straight answer for your child?
Tell us a little about your situation and we'll connect you with a MAS-licensed adviser who works with special-needs families. Takes about two minutes.
Talk to a licensed adviserDisclaimer: This page provides general information for educational purposes and does not constitute financial advice. CareCompare.sg does not provide financial advisory services and is not licensed by the Monetary Authority of Singapore (MAS). For personalised advice on insurance products or suitability, please consult a licensed financial adviser. CareCompare may earn a referral fee when connecting you with licensed advisers. This does not affect the premiums you pay.