Health Insurance for Skin Lesion Excision (≤10mm) in Singapore
Skin and Subcutaneous Tissue, Excision Biopsy
This procedure involves the removal or biopsy of a small skin or subcutaneous lesion (such as a mole, cyst, lipoma, or suspicious lump) measuring 10mm or less. It is commonly performed by a dermatologist or general surgeon, often as a day procedure.
It may be done for diagnostic purposes (to rule out cancer) or for treatment if the lesion causes discomfort or infection.
What It Costs
According to MOH benchmarks:
• Surgeon fee: SGD 400 – 900
• Anaesthetist fee (if required): SGD 750 – 1,200
Total expected cost: SGD 400 – 2,100, depending on anaesthesia and complexity
Why costs vary
Costs may increase when:
• The lesion is on the face, eyelid, nose, or joints
• Histology / lab analysis is required
• Multiple lesions are removed
• Local vs general anaesthesia is used
Follow-up consultations and pathology fees are often billed separately.
What’s Typically Covered
Many expats are surprised to learn that:
• Hospitalisation-only plans often do not cover this
• It is classified as outpatient surgery
• Cosmetic removals are excluded
Comprehensive international plans (April International, Cigna Global, Allianz Care, MSH):
• May cover this if medically necessary
• Require specialist outpatient cover
• May apply annual outpatient limits or deductibles
Insurance Tip
Always confirm:
• Is outpatient surgery covered?
• Is histology included?
• Is a referral required?
Conclusion
Small procedures are often where coverage gaps appear first.
