对于老人而言， 如果在新加坡没有医保， 一个很小的手术都可能是五位数的花销，并且也无法享受政府对公民医疗费用的补贴。 当然不差钱除外了。

According to NTUC Income, the general cost for nursing homes is around $1,200 to $4,500 a month before government subsidy, which ranges from 10% to 75%. This cost varies based on the number of people sharing a bedroom, the level of care required, and whether the patient is a Singapore citizen or a PR. For those who opt for private single-bed rooms, it will cost around $4,000 to $6,500 a month. There are also additional variable charges (where applicable) such as like adult diapers, special feeds, ambulance services, therapy sessions and so on.
根据家庭收入， 公民补贴从 20%到 75% 不等
https://blog.moneysmart.sg/family/nursing-homes-singapore/