Hiring help for an ageing parent in Singapore is the rare purchase where the cheapest and the dearest option do the same job (assist with bathing, dressing, toileting and transfers at home) and the published rates sit a factor of twelve apart. We read all eight providers' own price pages on 29 September 2026 rather than the aggregator round-ups. NTUC Health's eldercare pages print Personal Care from $4.80 an hour under its new HPC+ modules; Jaga-Me's rate card, which quotes GST-inclusive figures, tops out at $55.59 an hour for nurse caregiving on a weekend; Homage sits in between at $28 an hour pay-as-you-go, falling to $23 if you pre-buy 200 hours. The gap is not quality. It is whether the price you are shown is before or after a government subsidy. Five of the eight now publish a rate: Allium Healthcare has added a Cost Navigator that returns $250 to $705 a day before GST depending on suite, stay length and care needs. Orange Valley's page is still titled 'Admission & Fees' and contains no fee, and ECON Healthcare and St Luke's ElderCare publish none either. So here is what each one actually charges where it says so, what unlocks the subsidy (help with three of six activities of daily living, certified on a Functional Assessment Report your own GP can complete), and the Home Caregiving Grant that pays up to $600 a month in cash.
What changed at our 29 September check
Nothing moved. All eight providers' own sites were re-read on 29 September 2026 and every published figure matched: Homage's pay-as-you-go and prepaid cards, Jaga-Me's GST-inclusive card, NTUC Health's HPC+ modules, its $134-$178 nursing home day rate and $756-$5,400 monthly range, Active Global's S$2,725-S$3,597 placement fees, and all of Allium's Cost Navigator bands from $250 to $705 a day. St Luke's still lists the same 29 centres, Orange Valley's "Admission & Fees" page still prints no fee, and ECON still gives 2026 for its 732-bed Jurong East home. Two notes carry over from our 16 September check. The Home Caregiving Grant's three-of-six test is certified on a Functional Assessment Report your GP can complete, so the $250 Severe Disability Assessment is not needed just for the grant. And Active Global's fees page still calls the grant S$200 a month, when AIC pays up to $600. ## Why the same hour costs $4.80 or $55.59
We tried to find a number. On 29 September 2026 we re-opened all eight providers' own websites, not the deal round-ups and not the comparison portals that resell leads, and looked for a price. Five of the eight publish one. Three do not, and one of those three has a page titled "Admission & Fees" that contains no fee at all.
Where the numbers do exist they are twelve times apart for the same work. Helping a parent bathe, dress, get to the toilet and move from bed to chair is billed at $4.80 an hour on NTUC Health's eldercare pages and at $37.06 an hour on Jaga-Me's. Neither is lying. One figure is what you pay after the government has paid most of it; the other is the full commercial rate with GST already in it. Almost every "home care costs $X in Singapore" article you will read mixes the two.
So this list does three things. It reprints what each provider actually publishes, in its own words. It says plainly which ones publish nothing. And it explains the single question that decides which column of the price list you land in: whether your parent permanently needs help with three of the six activities of daily living.
That test is worth money. It unlocks the Home Caregiving Grant, which pays up to $600 a month in cash, and it is certified on a Functional Assessment Report your own GP can complete, not necessarily the $250 disability assessment three providers on this list sell.
Do the subsidy first, then compare prices
The single most expensive mistake in this category is calling a private provider first, being quoted $28 to $37 an hour, deciding home care is unaffordable, and never finding out that the same help is means-tested down to a few dollars an hour. Work in this order.
1. Check the three-of-six test. The Home Caregiving Grant requires that your parent permanently needs help with at least three of the six activities of daily living: feeding, dressing, toileting, washing, walking or moving around, and transferring from bed to chair. Two of the six does not qualify. Check the list itself: continence is not on it, and "walking or moving around" is. That swap is the one families most often get wrong, and it can decide the claim. This is the gate for almost everything else.
2. Know what the grant pays. Per AIC's own figures, the Home Caregiving Grant pays $600 a month in cash where monthly household income per person is $0 to $1,500 (or where there is no household income and the home's Annual Value is $21,000 or less), $400 from $1,501 to $3,600, and $200 from $3,601 to $4,800. Above $4,800 per person, there is no grant. Multiple-property owners fall to the lower tier. Note that 2026 subsidy levels are assessed using 2025 Annual Values.
3. Check who can apply. Singapore Citizens, or PRs with a parent, child or spouse who is a living Singapore Citizen. Your parent must be living in Singapore and not in a residential long-term care institution, the grant is for care at home, so it stops if they move into a nursing home.
4. Apply the fast way. AIC recommends applying online with Singpass via eFASS for shorter approval times; the hardcopy route is an email to apply@aic.sg.
5. Do not pay for an assessment you do not need. AIC's grant page says the three-of-six test is certified on a Functional Assessment Report (FAR), completed by a registered doctor, nurse, physiotherapist or occupational therapist. Call your parent's GP first to confirm the clinic does FARs; AIC says the fee, if any, varies. The $250 Severe Disability Assessment that Homage, Jaga-Me and NTUC Health publish is the CareShield Life/ElderShield version. You need it only if you are claiming those schemes, and AIC states that if your parent is already applying for CareShield Life, ElderShield, ElderFund, IDAPE or MediSave Care, that assessment is enough for the grant too, so there is no second fee. NTUC Health states that the first assessment for CareShield Life is free and that a successful application is fully reimbursed through MOH/AIC. Even at a full $250, unlocking $600 a month would still be the best-value transaction in this guide: $7,200 a year. If several family members need the severe disability version, Homage charges $100 per person for multiple recipients.
Reading a quote without getting caught
Ask whether the rate is before or after subsidy. This is the whole ballgame. A subsidised provider's "from" price is a post-maximum-subsidy floor that assumes the lowest income tier; if your means-test lands you in a higher tier you will pay more than the number on the page.
Ask whether GST is in. Two of the four already include it: Jaga-Me marks every rate 'w/gst', and Homage states at the top of its price list that all prices are inclusive of GST where applicable. NTUC Health marks its $60 admin fee 'before GST' and does not state the GST treatment of its module rates, so ask. Adding 9% to a figure that already includes it is the easiest way to mis-rank these providers.
Add the visit surcharges before you compare hourly rates. Homage adds $5 for a visit under 3 hours and another $5 if you book within 24 hours, and its prepaid blocks still carry $1 an hour on weeknights and weekends and $4 an hour on public holidays, so the headline $23/hr is a weekday number. Jaga-Me adds $30 ($32.70 with GST) of transport to every visit, and $50 more for Sentosa, Jurong Island, Tuas South, Changi Airport Cargo Complex and Aviation Park. On a single short urgent visit these fees can exceed an hour of care.
Longer shifts are cheaper per hour, but only privately. Both private providers price down with duration: Homage from $28 to $27.50 at three hours, Jaga-Me from $37.06 to $32.70 at twelve. If a parent needs two 2-hour visits a day, one 4-hour block is usually cheaper and less disruptive. NTUC Health's subsidised bundles run the other way. $4.80/hr for a 1-3 hour session works out to roughly $6.61/hr on an 8-hour shift and $12.69/hr on a 12-hour one, so do not assume the longer block is the saving there.
Weekends are the hidden budget-breaker. Jaga-Me charges the same weekend rate for day and night shifts, and Homage's public holiday ADL rate is $32 against a $28 weekday. A Saturday-and-Sunday-only arrangement is the most expensive way to buy care per hour.
If the need is round-the-clock, stop buying hours. Twelve private hours a day at even the cheapest long-shift rate runs past $390 a day. That is when a live-in arrangement or a residential place becomes the only sustainable answer. Price the live-in route honestly, though: Active Global's S$600 to S$1,000 monthly caregiver salary sits on top of a one-off service fee of S$2,725 to S$3,597 with GST, permit, medical, insurance and settling-in costs, and a S$300 monthly levy that drops to S$60 only under the Aged Person or Persons with Disabilities schemes.
Get the exclusions in writing at nursing homes. Only two of the four residential operators here publish anything. NTUC Health prints $134 to $178 a day, and Allium Healthcare's Cost Navigator returns $250 to $705 a day before GST for accommodation and care only. Orange Valley and ECON Healthcare publish nothing at all. Whichever number you are given, ask specifically whether nursing hours, therapy, doctor reviews, consumables, diapers and transport are inside or outside it.
Short residential stays are priced as a premium, not a discount. This is the one place where the private home care logic reverses. Allium's calculator quotes the Classic Companion Suite at $340 a day for one week against $250 a day for two months or more, a 36% premium for the shorter booking. If a respite fortnight is what you need, budget for the short-stay rate rather than the headline one.
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