Cost of giving birth in Singapore
< BACK TO MAIN BLOG

Ultimate Guide: Cost Of Giving Birth In Singapore And Baby Bonuses To Help You Save

We all know having a baby is an expensive feat but how much does it really cost to give birth in Singapore. Knowing that not all pregnancies are the same, we came up with a guide helping future parents out there to know what to expect when you are expecting!

Gynaecologist Fees

 

First trimester (1st to 13th week of pregnancy)

Your first trimester begins when you get pregnant which means by the time you find out you are pregnant, there might be limited time left to do all the check-ups.

There are a series of tests which have to be done on the First trimester.

These blood tests can cost between $200 to $400 each time. Some examples of tests will be:

  • Triple Serum Tests (at about week 18)
  • First Trimester Screening Panel (at about week 10 to 14)

 

Second and Third Trimester

Depending on the hospital which one goes to, the cost for a regular session with the gynaecologist can range from S$60 to S$220.

The safest bet will be to save up enough for at least 15 visits.

  • Some gynaecologist will also look to offer you a package ranging from S$850 to S$1,500 depending on the hospital which you go to.
  • Throughout your pregnancy, one can expect between 2 to 4 ultrasounds. Each ultrasound is expected to cost between S$100 to S$200 each. This cost is usually not included in the package.

Furthermore, if you opt for further testing such as Harmony testing, you can expect to spend another $1,000 to $1,500.

ExpensesAmount ($)
Pre-natal Package$850 to $1,500
Ultrasound Scans (x4)$800
Harmony Testing$1,000- $1,500
Total$2,650 - $3,800

sources: sg.asianparent.com and kiasumom.com

Delivery Charges

We will be comparing the most common hospitals for childbirth deliveries, the average prices, the average length of stay as well as the most common wards chosen for delivery.   

Cost of Normal (Vaginal) Delivery

  • Ranges from $840 to $9,775 depending on the hospital and type of ward.
  • Highest median cost for normal (vaginal) delivery: $9,775 (Gleneagles Hospital, Private)
  • Lowest median cost: $840 (National University Hospital, Ward C)

HospitalType Of WardMedian Cost
GleneaglesPrivate$9,775
KK Women and ChildrenWard A$5,099
Ward B$3,702
Ward C$1,251
Mt AlverniaPrivate$7,957
Mt ElizabethPrivate$9,401
Mt Elizabeth NovenaPrivate$9,084
National UniversityWard A$4,694
Ward B$3,209
Ward C$840
Parkway EastPrivate$7,007
RafflesPrivate$8,539
Singapore GeneralWard A$4,557
Ward B$3,205
Ward C$1,300
Thomson Medical Private$7,055

Cost of Caesarean Section

  • Ranges from $1,115 to $16,314 depending on the hospital and type of ward.
  • Highest median cost for caesarean section: $16,314 (Mt Elizabeth Hospital, Private)
  • Lowest median cost of caesarean section: $1,115 National University Hospital, Ward C)

HospitalType Of WardMedian Cost
GleneaglesPrivate$14,941
KK Women and ChildrenWard A$8,777
Ward B$7,296
Ward C$2,320
Mt AlverniaPrivate$11,241
Mt ElizabethPrivate$16,314
Mt Elizabeth NovenaPrivate$15,750
National UniversityWard A$7,314
Ward B$5,237
Ward C$1,115
Parkway EastPrivate$11,413
RafflesPrivate$12,602
Singapore GeneralWard A$8,330
Ward B$6,942
Ward C$1,767
Thomson Medical Private$10,260

Cost of Caesarean Section With Serious Complications

  • Ranges from $1,491 to $17,220
  • Highest median cost of caesarean section with serious complications: $17,220 (Gleneagles Hospital, Private)
  • Lowest median cost of caesarean section with serious complications: $1,491 (National University Hospital, Ward C)

HospitalType Of WardMedian Cost
GleneaglesPrivate$17,220
KK Women and ChildrenWard A$9,351
Ward B$8,728
Ward C$3,124
Mt AlverniaPrivate$11,824
Mt ElizabethPrivate$15,383
Mt Elizabeth NovenaPrivate$15,750
National UniversityWard A$7,778
Ward C$1,491
Thomson Medical Private$10,754

source: Ministry of Health 

How Much Do I Need?

Assuming you will be visiting the gynaecologist, you will be spending an approximate total of $4,650 excluding any vitamins or supplements. As for delivery, if all goes well, the most you will spend would be $9,775 in total for a three-day stay.

However, if things don’t go so well, you can expect to fork out a maximum of $17,220 for a four-day stay.

This brings the total to $14,425 if things are smooth or $21,870 — excluding supplements, pre-natal classes, and baby items!

To future parents out there, it’s time to have a personal finance tracker to help you save up for that baby. Also, join our community where we discuss tips on savings and cutting costs!


Medisave Maternity Package (MMP) – Using Medisave for childbirth

The Medisave Maternity Package (MMP) allows parents to use their Medisave for

  • offsetting delivery expenses
  • offset pre-delivery medical expenses such as consultations and ultrasound
Delivery ExpensesTotal Medisave Claimable
Pre-delivery Medical Expenses$900
Surgical Withdrawal Limit$750
(Normal Delivery)
$2,150
(Caesarean Delivery)
Each day in the hospital$450
(both private and Public hospital)

source: Ministry of Health 

Singapore’s Baby Bonus Scheme – Cash

Also known as Child Development Co-savings, the baby bonus’s cash gift aims to help lighten the cost of having children.

The procedure is as such:

  • Submit an online form to join the scheme (as early as 2 months before the estimated delivery date)
  • Delivery the baby!
  • The cash gift to be received within 7 to 10 working days upon registration of your child’s birth.
Number of babiesCash Gift
1st Baby$8,000
2nd Baby$8,000
3rd Baby onwards$10,000

Do note that the cash gift is dispatched over the course of 18 months:

TimeAmount of cash gift given out
1st and 2nd Child3rd Child onwards
3 weeks after joining the scheme$3,000$4,000
When child turns 6 months old$1,500$2,000
When child turns 1 year old$1,500$2,000
When child turns 15 months old
(Baby Bonus Plus)
$1,000$1,000
When child turns 18 months old
(Baby Bonus Plus)
$1,000$1,000

Singapore’s Baby Bonus Scheme – Childen Development Account (CDA)

The child’s CDA will be opened within 3 to 5 working days upon their birth registration and completing the online form.

  • One can choose to open a CDA with DBS, OCBC or UOB.
  • One will then have up to 12 years to save for their child in their child’s CDA
  • The government will match the savings in the CDA within 2 weeks.
  • Babies born after 24 March 2016 will receive up to $3,000 of CDA First Step grant.
Child OrderCDA BenefitsTotal CDA Benefits
CDA First StepGovt's Dollar-for-Dollar Matching
1st and 2nd child$3,000Up to $3,000Up to $6,000
3rd and 4th childUp to $9,000Up to $12,000
5th child onwardsUp to $15,000Up to $18,000

Read also: 10 Tips On Raising Your First baby

Seedly Question and answer
Comments