Medisave Maternity Package
With the Medisave Maternity Package (MMP), parents can use their Medisave for (i) delivery expenses as well as (ii) pre-delivery medical expenses such as consultations and ultrasound. Under the MMP, you may withdraw up to $450 for each day in the hospital, plus an additional $450 and surgical withdrawal limit depending on the type of delivery procedure you undergo.
Please see table below for some examples of how Medisave may be claimed. The amount of Medisave that can be used cannot exceed the actual bill and the withdrawal limit.
EXAMPLES OF MEDISAVE CLAIMABLE UNDER THE MEDISAVE MATERNITY PACKAGE
| Delivery Procedure | No. of days of Hospitalisation | Medisave Withdrawal Limit under the Medisave Maternity Package (covers delivery and pre-delivery medical expenses) |
|---|---|---|
| Example 1: Vaginal delivery (normal) |
3 | ($450 x 3 days) + ($750 for procedure, i.e. vaginal delivery) + $450Total claimable: Up to $2,550 |
| Example 2: Caesarean delivery (normal) |
4 | ($450 x 4 days) + ($2,150 for procedure, i.e. caesarean delivery) + $450Total claimable: Up to $4,400 |
Medisave can be used starting from the birth of your first child onwards. For your fifth and subsequent children however, Medisave can only be used if the combined Medisave balance of you and your spouse is at least $15,000 at the time of the delivery. This is to ensure that you have sufficient Medisave for future hospitalisation needs, especially after retirement.
Medisave may be used at both public and private hospitals. To claim pre-delivery charges from Medisave, parents just need to present the bills incurred for pre-delivery medical care to the hospital where baby was delivered. The hospital will submit these bills, together with the delivery expenses, for Medisave claims under the Medisave Maternity Package.
Related Info:
- For more details on the MMP and how to submit your claims, please refer to the FAQs on Medisave Maternity Package
Medisave for Assisted Conception Procedures
To help couples better afford the cost of treatment for Assisted Conception Procedures (ACP), you may withdraw $6,000, $5,000 and $4,000 from Medisave for the first, second and third treatment cycles respectively.
The use of Medisave for ACP is subject to a maximum of 3 treatment cycles. This is because ACP success rates fall sharply after the third cycle. Therefore, if Medisave were allowed for more treatment cycles, the individual may not have sufficient savings for future hospitalisation expenses, especially during old age.
For more information, please refer to the:
Government Co-funding Scheme for Assisted Reproduction Technology Treatments at Public Hospitals
With the median age at first marriage and first birth rising, there is an increasing number of couples who need medical help in conceiving. Assisted Reproduction Technology (ART) treatments such as in-vitro fertilisation may be able to help these couples.
ART treatments are clinical and laboratory techniques that involve the mixing of eggs and sperms outside the body to enhance fertility. Couples with difficulties conceiving should try to seek such treatments early, as the success rate of ART is likely to fall with age. Such treatment can also be very costly.
As part of the Marriage and Parenthood package introduced by the Government to encourage couples to start a family, the Government has decided to provide co-funding for ART to make the treatment more affordable for couples who qualify for the scheme. This ART co-funding scheme will start on 17 August 2008 at the public hospitals.
For more details, please refer to the Frequently Asked Questions.
For an overview of the marriage and parenthood schemes, please visit the:
