Costs and Help Schemes Available

Maternity, consultation and delivery charges

Consultation charges and delivery charges may vary. Some gynaecologists offer pre-natal packages which cover regular consultation appointments and basic medication, but do read the details carefully to find out what else is included. Otherwise, consultancy charges are levied on a per visit basis, with separate charges for medical tests and other items.

Delivery packages can vary depending on several factors such as the type of delivery you have, choice of hospital and the length of stay.

Government help schemes

  • Medisave Maternity Package
    The Medisave Maternity Package allows you to use your Medisave for pre-delivery and delivery medical expenses for all your children.
  • Help with conceiving
    Couples who have difficulties conceiving can use their Medisave to pay for the cost of Assisted Conception Procedures (ACP). Assisted Reproduction Technology (ART) treatment is also available at public hospitals and is co-funded by the government.

Find out more, as well as about the estimated hospital bill size for delivery, at the Ministry of Health website.


If you have a health insurance policy, do check what your policy covers.
For example:

  • Are pre- and post- delivery visits to the doctor covered?
  • Some, not all, health insurance plans include extended maternity benefits - benefits for delivery, complications and neo-natal cover - please check these details carefully.
  • What is the waiting period before such benefits kick-in?
  • Weigh up the benefits vs. the excess cost you need to bear, to include such extended maternity benefits
  • Make sure you understand any exclusions

Do read the terms and conditions of any health insurance policy carefully.

Paying for your child’s needs

As a new parent you will need to meet your baby’s basic needs like providing milk and food, somewhere to sleep (a cot or mattress), clothing and healthcare. Longer term, your parenting budget will also cover school fees and tertiary education expenses. It’s never too early to start saving for these now. The earlier you begin, the more time you have for your money to compound and grow.

Make a budget or update your budget to include the costs of bringing up your child. A budget will help you manage your household income and expenses. Update your financial plan too. This will help you work towards longer term goals like paying for your child’s education. You might also want to consider health insurance for your children as well as life insurance to protect your family against financial loss in the event you are unable to provide for them later.

From birth to 18 months

Your baby will need several items when he or she arrives. Start saving up during the pregnancy to buy these items. You might need somewhere for the baby to sleep, a baby push-chair or baby car-seat, some clothes, and baby’s milk bottles. The actual costs will depend on whether you buy new or branded items or make use of hand-me-downs.

On top of these, there will be some regular items like infant care or nanny care, and baby essentials like nappies and milk formula.

Here are some tips to help you manage costs:

  • Plan a budget and cut down some expenses by getting used items or asking your family and friends for hand-me-downs. Children outgrow things quickly, so items like clothes, toys, car seats and bathtubs are rarely worn out.
  • Identify needs and wants. Even if you want to get the best for your children, remember that items like clothes and shoes might not be used for long.
  • Involve grandparents or other family in childcare.
  • Make sure you are aware of any government help you can get.

Stay at home or go back to work

If one parent decides to stop work or to work part time, adjust your budget to deal with the loss of income. You will need to cut back on your spending patterns and may need to make some lifestyle changes. But be careful not to cut back on your savings for retirement or healthcare insurance. Do maintain your life insurance policy for protection purposes. While you might want to add on more cover if you have another child, make sure you can afford the additional premiums first.

Government help schemes for parents

The government has provided a range of schemes to support parents in defraying the cost of having and raising children. These include the Baby Bonus scheme, Children’s Development Account, tax reliefs and rebate for parents, and more. Find out more about the schemes available.