You should manage your monies carefully as your expenditure will inevitably increase. You need to plan for immediate expenses such as the birth of your child.

You can use Medisave to pay for the pre-delivery medical expenses (such as consultations, ultrasound) and expenses for the delivery of your child incurred at any participating restructured or private hospitals in Singapore. For the fifth and subsequent child, you and your spouse will need to have a combined Medisave balance of at least $15,000 at the time of delivery.

Click here to check your Medisave Account balance.

Click here for a complete list of hospitals participating in the Medisave scheme.

You may wish to use your own Medisave, your spouse’s or your parent’s Medisave for hospitalisation expenses.

Multiple Medisave Accounts can be used to co-pay the hospital bill. However the same Medisave withdrawal limits will still apply for each hospitalisation, regardless of the number of payer. This means that the Medisave withdrawal limits will not increase with the number of Medisave Account holders paying for the bill.

Under the Medisave Maternity Package, you can use Medisave for pre-delivery medical expenses as well as delivery and daily hospital charges . The Medisave withdrawal limit applicable to each of the Medisave Maternity Package depends on the delivery procedure (e.g. caesarean or normal delivery).

If you do not wish to use Medisave for pre-delivery expenses, you can withdraw Medisave for the delivery procedure and daily hospital charges. Each delivery procedure has a different withdrawal limit.

Do choose a hospital or ward that is within your budget. The Medisave withdrawal limits will generally be sufficient for you to meet charges incurred as a subsidised patient or in a C/B2 class ward of a restructured hospital. As a private class patient, you would need to co-pay with out-of-pocket cash as the bill charges are usually higher.

To know more about the hospital charges, click here.

To withdraw your Medisave, just inform the hospital of your intention and sign the Medisave Authorisation Form. If you wish to use Medisave to pay for the pre-delivery medical expenses under the Medisave Maternity Package, you will need to present the bills incurred for the pre-delivery medical care to the hospital where the newborn is to be delivered. The hospital will then submit these bills, together with the bill for the delivery expenses, for a Medisave withdrawal under the Medisave Maternity Package upon your discharge. The payment will be made directly to the hospital to settle the bills. You will be informed of the deduction from your Medisave Account.

With effect from 1 October 2004, maternity leave is now extended from 8 to 12 weeks to allow mothers to have more time to recover from childbirth and care for their newborn.

For your first 2 children, the first 8 weeks of maternity leave will continue to be paid by your employer. The additional 4 weeks will be funded by the Government, if the child is a Singapore Citizen.

If you are a working mother, the Government will fund the full 12 weeks of your maternity leave for your third and fourth child, if your child is a Singapore Citizen.

The reimbursement by the Government for each 4 weeks of maternity leave is capped at $10,000 (including CPF contributions).

For more information on Government Paid Maternity Leave, please click here.

Childhood diseases can have very serious effects on your baby. That’s why your baby needs all the care and protection that you can give. You can start by immunising your baby against dangerous childhood diseases.

Medisave can be used for your child's Hepatitis B vaccination charges incurred at approved hospitals, approved clinics, and Hepatitis B Screening and Immunisation Programme under School Health Service.

Click here for the list of approved clinics for Hepatitis B vaccination.

The Medisave withdrawal limits for a course of 3 Hepatitis B vaccination are as below:

Note: For Hepatitis B vaccination charges incurred School Health Service's Hepatitis B Screening and Immunisation Programme the Medisave withdrawal limit of $25 will apply to all age-groups.

Medisave can also be used for repeated Hepatitis B vaccinations (boosters). The Medisave withdrawal limits are as below:

To register the birth of your new born, click here.