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Pregnancy & Maternity

Pregnancy & Maternity Guide

Private Delivery $7K-$25K
Maternity Leave 16 Weeks
Baby Bonus $11,000
MediSave Grant $4,000

Planning to start or grow your family in Singapore? This guide covers everything from hospital choices to government benefits, maternity leave, confinement care, and planning for your newborn's future.

Hospital Choices

🏛️ Public Hospitals

KK Women's & Children's Hospital (KKH), NUH, SGH - excellent care with subsidies.

  • Cost: $1,500-5,000 (subsidised)
  • Pros: Lower cost, high-risk specialists available
  • Cons: Less privacy, shared ward

🏨 Private Hospitals

Thomson Medical, Mount Elizabeth, Gleneagles - hotel-like experience.

  • Cost: $8,000-25,000+
  • Pros: Privacy, choose your OB-GYN, luxury facilities
  • Cons: Significantly higher cost

Government Benefits

Singapore offers strong government support for families. Here's what you can expect:

💵 Baby Bonus Cash Gift

  • • 1st & 2nd child: $11,000 each
  • • 3rd & subsequent: $13,000 each
  • • Disbursed over 18 months

🏦 Child Development Account

  • • Government matches your savings 1:1
  • • Up to $6,000 for 1st/2nd child
  • • Use for approved childcare & education

🏥 MediSave Grant

  • • $4,000 deposited into newborn's MediSave
  • • Use for medical expenses and insurance
  • • Automatic for citizen newborns

👶 Childcare Subsidies

  • • Up to $600/month for infant care
  • • Up to $300/month for childcare
  • • Based on household income

Maternity & Paternity Leave

👩 Maternity Leave

  • Citizens: 16 weeks (first 8 employer-paid, next 8 government-paid)
  • PRs: 16 weeks (employer-paid)
  • • Can start up to 4 weeks before due date
  • • Last 4 weeks can be taken flexibly

👨 Paternity Leave

  • Citizens: 2 weeks (government-paid)
  • PRs: Subject to employer policy
  • • Must be taken within 12 months of birth
  • • Additional 4 weeks shared parental leave available

Pro Tips

Register Early: Register for Baby Bonus within 60 days of birth to avoid delays in receiving benefits.

Book Childcare Early: Start childcare centre waitlists early - some have 1-2 year waiting times.

Max CDA: Max out your CDA contributions to get full government matching - it's free money!

Insurance for Baby: Get insurance for your newborn early - easier to get coverage when healthy.

Planning for a Baby?

Let us help you understand the financial implications and optimise your benefits to give your family the best start.

Get Free Consultation

How This Connects to Your Financial Plan

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