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Lifestyle Parenthood

What is the cost of giving birth in Singapore hospitals?

what-is-the-cost-of-giving-birth-in-singapore

Heartland Boy recently had the privilege of witnessing the delivery of his child at KKH hospital delivery suite. Seeing Olympia slowly emerged into the world was truly an out-of-this-world experience. The birth of Olympia also signalled the end of Heartland Girl’s thoroughly enjoyable pregnancy. Now that the dust has settled, it is time to keep count of the bills incurred for her pregnancy. This article shall illustrate Heartland Girl’s cost of giving birth in a Singapore Hospital (KKH) and review the various government policies designed to help keep the cash cost of delivery down. With the benefit of hindsight, this article also contains some tips from Heartland Boy now that he has been promoted to the status of a father.

 

Cost Of Giving Birth- The Breakdown

total-cost-of-baby-delivery-heartland-boy

Diagram 1: Bill Size Incurred by Heartland Girl For Delivering Baby Olympia

*Note that Heartland Girl had to undergo immediate post-operative care and Baby Olympia was delivered with the help of medical forceps. This unfortunately inflated the hospital bill and would not be reflective of a typical delivery procedure in KKH.

The total bill size came up to $12,741, of which $5,350 can be claimed from their MediSave Accounts. This meant that the remaining $7,391 had to be paid in cash. Thankfully, to relieve the cost of giving birth in Singapore, government has implemented various pro-family policies.

1. MediSave Maternity Package

To help to lighten the cash outlay required for giving birth in Singapore, government has approved the use of MediSave under the “MediSave Maternity Package” scheme. This can be used at both public and private hospitals and the extent of the use will be subject to withdrawal limits under various categories as shown in Diagram 2.

maternity-MediSave-package-withdrawal-limits

Diagram 2: MediSave Withdrawal Limits For Different Categories

There are 3 categories (Pre-delivery, Delivery, Hospitalisation) which a CPF Member can rely on Medisave to fund the medical expenses. The various withdrawal limits indicate the maximum amount which can be claimed from MediSave. Amounts beyond the withdrawal limits would have to be paid in cash.

During the course of the pregnancy, all pre-natal expenses incurred would have to be paid by the patient first. To make a claim via MediSave later, the patient will submit all the invoices at the hospital where the delivery was done. As Heartland Girl’s prenatal visits and delivery were both done at KKH, there was no need to submit the previous prenatal invoices. This made for a seamless claim experience and Heartland Boy certainly welcomed the convenience. Another thing worth highlighting is that the baby is considered an additional person in the eyes of the government. Therefore, parents can claim an additional $450/day from their MediSave accounts for the new-born’s hospitalization.

While dipping into one’s MediSave may help with the cashflow, Heartland Boy urges all parents to be prudent with their expenditure as there is an opportunity cost to using MediSave. Funds in MediSave can be used to pay the premiums of your health insurance policies, other approved medical bills, and if not utilised, are earning a very handsome 4% p.a. in interest.

2. Baby Bonus Grant

You can find out more details about the Baby Bonus Grant as Heartland Boy had written about it. Basically, a total of $8,000 cash will be dispensed over various tranches into your nominated bank account. A friendly piece of advice would be to pre-register for the Baby Bonus Scheme so that you will receive the cash grant at the earliest opportunity. This was what Heartland Boy did and he was pleased to find that the money was deposited with the minimum of fuss. Besides generous help from the government, Heartland Boy is also keen to share some tips on how you can reduce the cost of giving birth in Singapore hospitals.

 

3. Choose The Public Route For Delivery

To qualify for the public route, the patient should first go to a polyclinic and get a referral to a public hospital of her choice. Once the patient is on the public route, she gets to enjoy subsidized rates from the government. This includes prenatal checkups, delivery charges and post-natal follow-ups. While there are cost savings, there are also several disadvantages of the public subsidized route:

  • You will not be able to work with a gynaecologist of your choice as you will be assigned to a random gynaecologist during your pre-natal visits. Some pregnant ladies may have certain preferences on the gynaecologist that they would like to work with. These preferences range from gender of the doctor, degree of communication, choice of delivery method, level of skill etc.
  • Similarly, during the actual delivery of your baby, the medical officer & gynaecologist on duty that fateful day will be in charge on the proceedings.

4. Choose A Lower Class Ward

If there are no further complications after the mum has given birth, she will be ushered into her maternity ward to recuperate and rest. The class of the ward will affect the cost of the delivery quite significantly. Therefore, to reduce the cost of giving birth in Singapore, a couple may decide on a lower-class ward. However, there are pros and cons of staying in a lower-class ward which must be taken into consideration. Here is a table comparing the various ward classes in a government hospital.

compare-hospital-class-wards-maternity

Diagram 3: Compare various class wards across a range of factors

5. Limit Your Prenatal Consultations

It is patently obvious that the lesser the number of prenatal consultations, the lower the eventual bill size would be. Here is a table illustrating the total number of prenatal consultations that Heartland Girl had with her gynaecologist, Prof John Tee.

schedule-prenatal-gynaecologist

Diagram 4: Total number of prenatal visits with her gynaecologist

If Heartland Boy and Heartland Girl had not been kan-cheong spiders, they could even push the first visit to Week 13. Not sure if this would be going against professional medical advice but their gynaecologist did comment that there was nothing much for him to check at Week 7.

Heartland Boy likes Prof John Tee for he only schedules visits when they are absolutely necessary. As such, Prof John Tee does not believe in selling any maternity packages. This has indeed saved Heartland Boy a bunch of money, alongside purchasing vitamins from iherb on the cheap. Out of goodwill, he also waived the post-natal consultation charges as Heartland Girl suffered some minor complications with her bladder after delivery.

Conclusion On Cost Of Delivery

Readers should bear in mind that the hospital bill often varies as every pregnancy is different. While one might try to save as much as possible from this process, it is important to strike a good balance with the emotional well-being of the mother. This is especially so if the patient is a first-time mother. Beyond the dollars and cents of giving birth, there is truly no monetary value that can be placed on the joy of parenthood as Heartland Boy has found out thus far. (such as writing a heartfelt letter to your daughter)

As a bonus tip, here’s a list of freebies and samples for first-time parents that Heartland Boy has compiled.


15 Comments

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Comments

  1. leon says

    November 19, 2018 at 8:38 am

    congrats HLB!

    btw, how many days after the delivery, is the mum suppose to stay in the ward?
    also, any specific reason why KKH? i see most pple prefer to chose TMC?

    Reply
    • Alison_Liew says

      November 19, 2018 at 10:13 am

      Hi Leon,

      Thanks. If all goes well, mum can discharge after one night in the ward. For Heartland Girl’s case, she stayed an extra night for observation. KKH is where our gynae is and is slightly cheaper than TMC.

      Reply
  2. hlb_fan says

    November 19, 2018 at 3:42 pm

    Congrats! Happy that all is well. Welcome to parenthood.

    Reply
    • Alison_Liew says

      November 19, 2018 at 7:16 pm

      Hey thanks for your well wishes!

      Reply
  3. Naro says

    November 20, 2018 at 5:17 pm

    Hi Heartland Parents,

    Congratulations!!! enjoy the parenting journey!!

    Cheers,
    Naro

    Reply
    • Alison_Liew says

      November 20, 2018 at 11:22 pm

      Thanks Naro!!

      Reply
  4. Dabbie says

    November 24, 2018 at 2:58 pm

    Hi Alison, I would like to ask if the gynae is always different on every visit? And will the gynae be the same on the day of delivery itself? If we know of a particular gynae at KKH can we request for that (though no guarantee?)

    Congrats on your baby’s arrival

    Reply
    • Alison_Liew says

      November 24, 2018 at 7:54 pm

      Hi Dabbie,

      Thanks for your well wishes.

      If you take the public route (referral via polyclinic), the gynae is different on every visit and you cannot decide on the gynae during delivery day.

      If you take the private route (i.e. have a particular gynae that you want to work with), you can simply contact KKH and request for that gynae during your first appointment. This gynae, subject to his/her schedule, will likely be your gyane for delivery.

      Reply
      • Dabbie says

        November 25, 2018 at 8:28 am

        Thanks Alison, one last question, did you specifically request for Dr John Tee? Saw online that he is hot demand 🙂

        Reply
        • Alison_Liew says

          November 25, 2018 at 9:03 am

          I didnt, my wife did 😀

          Reply
  5. Tan says

    December 3, 2018 at 10:26 am

    Another option, not sure how popular, is to have your baby in Johore, Malaysia.

    The cost savings are obviously significant and if I’m not wrong, if one parent is a Malaysian, delivery is FREE!

    Reply
    • Alison_Liew says

      December 3, 2018 at 10:41 am

      Hey Tan,

      Many thanks for sharing your experiences. We can totally relate to them (on hindsight of course!)
      Yes, our baby is on 2/3 breastmilk and 1/3 formula (at night for her to sleep longer). Totally agree with you that the antibodies in breast milk will help the baby’s immunity system. Now that we are wiser, we will rely more cautiously on our parental instincts to guide us! but thanks for such generous sharing!

      Reply
      • Tan says

        December 3, 2018 at 7:39 pm

        Thanks for the response but I guess you mispost and meant it for my comment in your other thread.

        Reply

Trackbacks

  1. (2019 Updated Edition) Complete Guide To Finance Blogs And Websites In Singapore says:
    January 7, 2019 at 11:19 am

    […] a father (no, it’s not the same baby) and has shared his first-time daddy experience on the cost of giving birth and the importance of health insurance for babies. An important read for any Singapore […]

    Reply
  2. Which Hospital Should I Deliver In? (KKH vs TMC. vs MAH) – sgbudgetbabe.com says:
    March 6, 2020 at 3:08 am

    […] the Ministry of Health’s overall delivery bill estimates, TMC was one of the most affordable. For my fellow friend who delivered a month before me in a public hospital i.e. KKH under Ward A (let…, so that’s really not much of a difference vs. if you head over to a private hospital instead […]

    Reply

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Welcome to Heartlandboy.com

Hello there, I am Heartland Boy! I am always thinking about how I can improve my financial literacy in order to achieve financial independence. This is the place to be if you are hungry for financial independence (sometimes good hawker food as well) and foolish enough to believe in the musings of Heartland Boy. Read More…

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