There are various packages offered under Marriage and Parenthood schemes as a way of easing the transition into Parenthood for Singaporeans through the provision of an array of covers and grants for both, parents as well as the newborns.
Find below the various packages offered under the Marriage and Parenthood Schemes:
- Medisave Maternity Package.
- Medisave Grant for Newborns.
- MediShield Life Coverage from Birth.
- Medisave for Assisted Conception Procedures.
- Government Co-Funding Scheme for Assisted Reproduction Technology Treatments at Public Hospitals.
The following schemes are to assist you after the birth of your child:
Medisave Maternity Package (MMP)
Under the MMP package, you can use your Medisave for pre-delivery medical payments and expenses as well as delivery expenses (includes vaginal and caesarean delivery).
- Withdraw a maximum of S$450 for daily expenses each day.
- Withdraw additional S$900 for any pre-delivery expenses.
- Withdraw from S$750 to $2,150 for surgical expenses depending on the delivery procedure.
You can start using your Medisave from your first child’s birth and for subsequent children. However, note that from the birth of your fifth child onwards, you can only use your Medisave savings if you and your spouse have a combined Medisave balance of S$15,000 or more during delivery. The reason behind this is that your CPF savings are primarily meant for your retirement needs, especially for any future hospitalization expenses you may have after you retire.
You can use your Medisave at both, public as well as private hospitals. If you wish to claim any pre-delivery expenses, you will need to submit your bills incurred for pre-delivery medical expenses to the hospital where you/your spouse has given birth. The hospital will then submit all bills including pre-delivery and delivery expenses to claim Medisave under MMP.
Medisave Grant for Newborns (MGN)
The government creates Medisave Accounts for all Singaporean newborns to help parents take care of their children’s medical and healthcare needs right from their birth. If your child was born between August 26, 2012 and January 1, 2015, they will qualify to receive a lower Medisave grant of S$3,000. If your child was born after January 1, 2015, they will qualify to receive an enhanced Medisave grant of S$4,000.
All eligible newborns will automatically receive this grant. Parents are not required to enroll for them. The grant money can be used to cover a wide range of healthcare expenses including MediShield Life premiums for children, childhood vaccinations recommended by doctors, outpatient treatments approved by doctors and other hospitalization charges.
If your child is eligible to receive the MGN grant, you will be notified regarding the same when the money is deposited in your child’s Medisave Account.
MediShield Life Coverage from Birth
MediShield Life is a basic health insurance cover under which all Singaporeans and Permanent Residents are mandatorily covered. It is used to make payments on large hospitalization expenses as well as certain outpatient treatments. Using MediShield Life, you will be able to receive subsidized treatments at public hospitals.
All eligible newborns will automatically receive MediShield Life cover starting from their birth. MediShield Life provides cover for life even to babies that have neonatal and congenital conditions.
You can pay for your child’s MediShield Life premiums using your Medisave. The government also provides an array of schemes to make these premiums affordable to all income groups in Singapore. If you are unable to keep up with your child’s MediShield Life premiums even after receiving subsidies, the government also provides Additional Premium Support to further reduce payments on premiums.
The following schemes are to assist you during conception:
Medisave for Assisted Conception Procedures
To make ACP or Assisted Conception Procedures more affordable, couples can make withdrawals from their Medisave to pay for ACP treatment cycles. The withdrawal limits from October 1, 2013 onwards are as follows:
- First cycle - S$6,000.
- Second cycle – S$5,000.
- Third cycle onwards – S$4,000.
- Lifetime Medisave Withdrawal for ACP – S$15,000.
The withdrawal limits have been set so that you do not deplete your Medisave savings before you retire.
Government Co-Funding Scheme for Assisted Reproduction Technology Treatments at Public Hospitals
Increasing number of couples in Singapore today are in need of ART treatments (Assisted Reproduction Technology) due to the rise in the median age of 1st marriage and 1st birth.
An ART treatment typically involves laboratory and clinical techniques where sperms and eggs are mixed outside the body as a way of enhancing fertility. Couples interested in ART treatments have to start seeking the treatment early because the success rate of ART falls with increasing age. Additionally, these treatments can be very expensive.
The government is now providing co-funding of up to 75% to couples who seek ART treatments at public hospitals in Singapore. The co-funding will cover up to 3 fresh and 3 frozen ART cycles starting from January 1, 2013.
Whether you are having difficulties in taking care of your child after birth or during conception, these various schemes provided by the government are meant to assist you at every stage making your transition into parenthood far more comfortable for you and your new family.