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Marriage and Parenthood Schemes

The Government offers a number of financing schemes to help Singaporeans with the costs of conception support, and maternity and newborn care. 

24 Sep 2019

The Government offers a number of financing schemes to help Singaporeans with the costs of conception support, and maternity and newborn care. These schemes are covered by your Medisave or MediShield plans except for the Assisted Reproduction Technology Scheme, which is a Government co-funded scheme.

The basic details of these schemes are outlined below, but please refer to your plans for full details.

MediSave Maternity Package


This covers delivery expenses, as well as pre-delivery medical expenses such as consultations and ultrasound, in public and private hospitals. You may withdraw:

  • up to $900 for pre-delivery medical expenses,
  • an additional surgical withdrawal limit between $750 and $2,150 depending on the type of delivery procedure, and
  • up to $450 for each day in the hospital.

To claim pre-delivery charges from Medisave, present the bills incurred for pre-delivery medical care to the hospital where your baby was delivered. The hospital will submit these bills to the CPF Board for you, together with the delivery expenses. 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 Newborns


When your baby is born as a Singapore Citizen, upon registration of birth, a Medisave account will automatically be created in their name and a Medisave grant of $4,000 deposited.

This grant can help you defray the costs of your child’s healthcare expenses, such as MediShield Life premiums, recommended childhood vaccinations, hospitalisation and approved outpatient treatments.

If you do not receive notification that a Medisave account has been set up for your baby within 90 days of registering your baby's birth, please contact the CPF Board (1800-227 1188 or member@cpf.gov.sg) to enquire. 

MediShield Life Coverage from birth


MediShield Life is a mandatory basic health insurance that helps to pay for large hospital bills and selected costly outpatient treatments such as dialysis and chemotherapy for cancer. It is basic because it is sized for subsidised treatments in public hospitals. All Singapore Citizen babies, including those with congenital and neonatal conditions, are automatically covered from by MediShield Life, for life.

You can tap on the Medisave Grant for Newborns to pay for your baby’s MediShield Life premiums. There are also further Government subsidies available to keep premiums affordable for the first four years such as Premium Subsidies for the lower- to middle- income, and Transitional Subsidies for Singapore Citizens. For those who are needy and are unable to pay their share of premiums even after subsidies, the Government will provide Additional Premium Support, to help them further with the payment of their MediShield Life premiums.

For more information on MediShield Life, please click here .

MediSave for Assisted Conception Procedures


To help couples better afford the cost of treatment for Assisted Conception Procedures (ACP), a couple may withdraw $6,000, $5,000 and $4,000 from Medisave for the first, second and third treatment cycles respectively. A lifetime Medisave withdrawal limit of $15,000 per patient for ACP applies.

Government co-founding Scheme for Assisted Conception Procedures at Public Hospitals


Eligible couples undergoing Assisted Conception Procedures (ACPs) in public Assisted Reproduction (AR) centres can receive up to 75% in co-funding from the Government with effect from 1 Jan 2020. The co-funding will cover:

  • Assisted Reproduction Technology (ART) treatment, for a maximum of 3 fresh and 3 frozen ART cycles.
  • Government co-funding for up to two out of the existing six co-funded ART cycles for women aged 40 and above*
  • Government co-funding for up to $1,000 per cycle for three cycles of Intra-Uterine Insemination (IUI).

* As long as they have attempted assisted reproduction (AR) or IUI procedures before age 40.

The amount of co-funding varies, depending on the citizenship of the couple. Details are below.

  1. ACPs Co-Funding per Treatment Cycle

Singapore Citizen (SC) Couple

SC-PR Couple

SC-Foreigner Couple

Fresh ART cycles

75%; up to $7,700

55%; up to $5,700

35%; up to $3,600

Frozen ART cycles

75%; up to $2,200

55%; up to $1,600

35%; up to $1,000

IUI

75%; up to $1,000

55%; up to $700

35%; up to $500


The co-funding scheme covers ART procedures such as in-vitro fertilisation (IVF) and its variations (with or without intracytoplasmic sperm injection (ICSI), in-vitro maturation, donor cycles and double stimulation cycles), as well as gamete intra-fallopian transfer (GIFT). All the standard procedures, from ovarian stimulation or thawing of the embryo to embryo transfer, can be considered for co-funding. However, initial consultations and investigations prior to a patient’s decision to start ART treatment are not included.

You are eligible for ACP co-funding at public AR centres if you meet ALL of the following criteria:

For ART Co-Funding:

  • You are below 40 years of age at the start of the ART cycle (except for the last two cycles of ART);
  • You have not already received 3 co-funded fresh and 3 co-funded frozen cycles in the past;
  • You have been assessed by a doctor to have met the clinical requirements for ART^; and
  • You OR your spouse must be a Singapore Citizen at the start of the ART cycle.

^Investigations and tests are required to determine if a couple has met the clinical criteria to undergo ART treatment, and this process may take up to 3 months before a couple can commence their ART cycle.

For IUI Co-Funding:

  • You are below 40 years of age at the start of the IUI cycle;
  • You have been assessed by a doctor at the public AR centre to be suitable to try IUI before proceeding to ART; and
  • You OR your spouse must be a Singaporean Citizen.

For more information on Marriage and Parenthood Schemes, please visit the Marriage and Parenthood Schemes Website.