Subsidies
The Singapore government provides maternity and child care subsidies to qualified individuals. Learn more about how you can save through this financial assistance.
Medisave Maternity Package (MMP)
Expectant parents can use the MediSave Maternity Package for delivery and pre-delivery medical expenses. This can be used for public and private hospitals. The MediSave withdrawal limit for pre-delivery expenses has been doubled from $450 to $900 for mothers who have delivered on or after 24 March 2016.
Expectant parents can make MediSave claims in both public and private healthcare institutions. It can be used for pre-delivery expenses like pre-natal consultations, tests, ultrasound scans, and medications as well as delivery expenses.
You may withdraw:
You can refer here for a list of the different maternity packages provided at Thomson Medical Centre alongside the maximum MediSave claimable and additional MediSave Claimable. This will guide you how much extra you need to pay for surgeon fees and other hospital bills.
You can expect your bill to be divided into surgeon fees, hospital fees (operating theatre facility fee/labour ward fee and in-patient ward medication and equipment/supplies, etc.) and +/- anesthetist fee (epidural or C-section).
To claim for pre-delivery charges from MediSave, you may present the receipts for all the expenses incurred from pre-delivery medical care to the hospital where the baby is delivered. The hospital will submit these receipts to the CPF Board, along with the delivery expenses, to make MediSave claims under the MediSave Maternity Package. The amount of MediSave that can be used is capped by the amount of the actual bill or the withdrawal limit, whichever is lower.
MediSave Grant for Your Newborn
To defray the costs of your child’s healthcare expenses, a MediSave Grant is also available for newborns. This is available to all babies who are born a Singapore Citizen. Upon their registration of birth, a MediSave account will be automatically created in their name with a MediSave grant of $4,000 deposited.
This can help pay for expenses like recommended childhood vaccination, hospitalisations, and approved outpatient treatments. If you don’t receive any notification that a MediSave account has been set up for your baby days after birth, you may contact the CPF Board (1-800-227 1188 or member@cpf.gov.sg) to enquire.
Government Assistance for Child Care
The cost of child care in Singapore can put a dent on a family’s budget. To support couples in their decision to have more children, the Ministry of Social and Family Development offers the Baby Bonus Scheme (also known as the Child Development Co-Savings Scheme) as part of the Parenthood Package. It was recently enhanced to defray costs on child-raising. The scheme comprises a cash gift, Child Development Account (CDA) First Step grant and Government matching to savings in the child’s CDA.
You can check if your child is eligible for this scheme, here.
Enhanced Baby Bonus Cash Gift
Baby Bonus Cash Gift
| Birth Order | Born between August 2012 and 31 December 2014 (for each child) |
|---|---|
| 1st & 2nd Child | $6,000 |
| 3rd & 4th Child | $8,000 |
| 5th and Higher | $0 |
Birth Order: 3rd & 4th Child
Born between August 2012 and 31 December 2014 (for each child): $8,000
Birth Order: 5th and Higher
Born between August 2012 and 31 December 2014 (for each child): $0
Enhanced Baby Bonus Cash Gift
| Birth Order | Born on or after January 1 2015 (for each child) | |
|---|---|---|
| Enhancements | Total Enhanced Baby Bonus Cash Gift | |
| 1st & 2nd Child | $2,000 Baby Bonus Plus | $8,000 |
| 3rd & 4th Child | $2,000 Baby Bonus Plus | $10,000 |
| 5th and Subsequent | $8,000 Cash Gift and $2,000 Baby Bonus Plus | $10,000 |
Born on or after January 1 2015 (for each child)
Birth Order: 1st & 2nd Child
Enhancements: $2,000 Baby Bonus Plus
Total Enhanced Baby Bonus Cash Gift: $8,000
Birth Order:: 3rd & 4th Child
Enhancements: $2,000 Baby Bonus Plus
Total Enhanced Baby Bonus Cash Gift: $10,000
Birth Order:: 5th and Subsequent
Enhancements: $8,000 Cash Gift and $2,000 Baby Bonus Plus
Total Enhanced Baby Bonus Cash Gift: $10,000
Parents will receive the enhanced cash gift, including the new Baby Bonus Plus in 5 installments over 18 months.
Enhanced Cash Gift Disbursement Schedule
(For children born on or after 1 January 2015)
| Time | Amount of Cash Gift Disbursed | |
|---|---|---|
| 1st and 2nd Birth Orders | 3rd and Subsequent Birth Orders | |
| Within 7 to 10 days after joining the scheme | $3,000 | $4,000 |
| When the child turns 6 months old | $1,500 | $2,000 |
| When the child turns 12 months old | $1,500 | $2,000 |
| New Baby Bonus Plus when the child turns 15 months old | $1,000 | $1,000 |
| New Baby Bonus Plus when the child turns 18 months old | $1,000 | $1,000 |
| Total | $8,000 | $10,000 |
Amount of Cash Gift Disbursed
Time: Within 7 to 10 days after joining the scheme
1st and 2nd Birth Orders: $3,000
3rd and Subsequent Birth Orders: $4,000
Time: When the child turns 6 months old
1st and 2nd Birth Orders: $1,500
3rd and Subsequent Birth Orders: $2,000
Time: When the child turns 12 months old
1st and 2nd Birth Orders: $1,500
3rd and Subsequent Birth Orders: $2,000
Time: New Baby Bonus Plus when the child turns 15 months old
1st and 2nd Birth Orders: $1,000
3rd and Subsequent Birth Orders: $1,000
Time: New Baby Bonus Plus when the child turns 18 months old
1st and 2nd Birth Orders: $1,000
3rd and Subsequent Birth Orders: $1,000
Total for 1st and 2nd Birth Orders: $8,000
Total for 3rd and Subsequent Birth Orders: $10,000
Child Development Account
The CDA is a special savings account for children which you can open with UOB, DBS Bank, or OCBC. You can expect your child’s CDA to be opened within 3-5 working days from their birth registration, or after completing the online form, whichever is later.
You will have up to 12 years to save in your child’s CDA. This can help build up the savings that can be spent on approved uses. You can use it to pay for educational and healthcare expenses of your children at the following Baby Bonus Approved Institutions.
Note: You can refer to the list of approved institutions, here.
Once a CDA is opened, your child will also receive CDA benefits such as the CDA First Step and Government dollar-for-dollar matching contributions for each dollar the parents put in, up to the contribution caps shown below.
| Child Order | CDA Benefits | ||
|---|---|---|---|
| CDA First Step | Dollar-for-Dollar Matching | Total CDA Benefits | |
| 1st & 2nd Child | $3,000 | Up to $3,000 | Up to $6,000 |
| 3rd & 4th Child | Up to $9,000 | Up to $6,000 | |
| 5th Child & Higher | Up to $15,000 | Up to $18,000 | |
CDA First Step: $3,000
Dollar-for-Dollar Matching: Up to $3,000
Total CDA Benefits: Up to $6,000
CDA First Step: $3,000
Dollar-for-Dollar Matching: Up to $9,000
Total CDA Benefits: Up to $6,000
CDA First Step: $3,000
Dollar-for-Dollar Matching: Up to $15,000
Total CDA Benefits: Up to $18,000
Need Help?
Parents who need assistance to join Baby Bonus online or other related services may approach the Citizen Connect Centres, or the Baby Bonus One-Stop Centres at the Immigration & Checkpoints Authority and birth registration counters at these hospitals:
Disclaimer:
The information provided in this page is designed to provide helpful information on the subjects discussed. However, it should only be used as reference. We advise that you refer to appropriate government websites for the latest information.
You may ask more about the MediSave Maternity Package, the Baby Bonus scheme, and other concerns regarding your pregnancy during a consultation.
