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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. 

05 Nov 2018

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 Reproduction Technology Treatments at Public Hospitals


With the median age at first birth rising, there is an increasing number of couples who need medical help, such as Assisted Reproduction Technology (ART) treatments, in order to conceive. ART treatments are clinical and laboratory techniques that involve the mixing of eggs and sperms outside the body to enhance fertility.

ART treatment can be very costly. Eligible couples seeking ART treatment in public hospitals will receive up to 75% in co-funding from the Government for ART treatment cycles, for a maximum of 3 fresh and 3 frozen ART cycles.  

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