Health Insurance for Dilation & Curettage (D&C)
What happens if a miscarriage leads to surgery?
A D&C procedure, often required after miscarriage, costs between SGD 2,100 and SGD 3,400. Does your plan cover it?
How much does it cost?
The cost of dilation and curettage (D&C) is SGD 2,100 to SGD 3,400. It is used after miscarriage or for retained placental tissue. These costs reflect only the professional surgeon's fees and do not include additional expenses like room charges, epidural anesthesia, lab tests, or post-operative recovery. Depending on your hospital and specific case, total bills can easily exceed these benchmarks.
What does insurance cover?
Not all maternity plans include miscarriage-related surgery. Some plans treat this as a separate hospital event with different limits. It is important to verify whether the insurance benefit includes both inpatient hospital stays and outpatient consultations related to the procedure. Some insurers distinguish between 'maternity care' and 'surgical intervention', which could affect your reimbursement.
What to watch out for?
Check if miscarriage-related treatment is under 'complications of pregnancy' or excluded. Also check your inpatient deductible. In addition, watch for any co-insurance clauses, annual benefit caps, or restrictions on where the procedure must be done (e.g., specific hospitals or networks). These can all reduce the actual payout from your insurance.
Tips from Sébastien
Emotional recovery matters — financial stress shouldn't make it harder. Know your rights and cover. This advice is especially relevant for expats who may be between jobs, have private plans not offered by an employer, or are self-employed. Being proactive with insurance gives you access to better benefits and more predictable financial planning.
Need help?
We can advise on policies that cover maternity complications, including early pregnancy loss. Our advisory team can help you compare plans, explain fine print, and find options that meet your family’s unique healthcare needs. Don’t wait until you’re already expecting to review your options.
