New parents and couples looking to conceive can benefit from these schemes.

MediSave Maternity Package

With the MediSave Maternity Package (MMP), parents can use their MediSave for (i) delivery expenses as well as (ii) pre-delivery medical expenses such as consultations and ultrasound. Under the MMP, you may withdraw up to $1,130 per day for the first two days of admission and $400 per day from the third day onwards for each day in the hospital, a further $900 for pre-delivery medical expenses and an additional surgical withdrawal limit between $1,120 and $2,770 depending on the type of delivery procedure you undergo. 

Please see the table below for some examples of how MediSave may be claimed. The amount of MediSave that can be used cannot exceed the actual bill and the withdrawal limit, whichever is lower.

Examples of MediSave Claimable Under the MediSave Maternity Package

MediSave may be used at both public and private hospitals. To claim pre-delivery charges from MediSave, parents just need to present the bills incurred for pre-delivery medical care to the hospital where their baby was delivered. The hospital will submit these bills, together with the delivery expenses, for MediSave claims under the MediSave Maternity Package. 

Related: MediSave 

MediSave Grant for Newborns

To support parents with their children’s healthcare needs, all Singapore Citizen newborns born on or after 1 April 2025 qualify for the enhanced $5,000 MediSave Grant for Newborns (MGN) that will be automatically credited to the child’s MediSave account upon the registration of birth. Parents do not need to separately apply for the grant. Eligible Singapore Citizens born on or after 1 January 2015, but before 1 April 2025, qualify for a lower grant of $4,000; those born on or after 26 August 2012, but before 1 January 2015, qualify for a grant of $3,000.  

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

After the grant has been deposited into the child's MediSave account, parents will receive a notification to inform them of the deposit. 

Parents of eligible newborns who did not receive the grant can contact CPFB at cpf.gov.sg/writetous to enquire. 

Large Families MediSave Grant 

Under the Large Families Scheme, parents will receive a $5,000 Large Families MediSave Grant (LFMG) for each third or subsequent Singapore Citizen child born on or after 18 February 2025. This will be credited into the mother’s MediSave account and can be used to pay for medical expenses for herself and her family members. The LFMG is in addition to the MediSave Grant for Newborns provided to all Singapore Citizen children at birth. 

The LFMG will be deposited into the mother’s MediSave account, around two weeks after your child’s successful enrolment into the Baby Bonus Scheme.

Related: Baby Bonus – What You Need to Know 

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. As a basic insurance scheme, its coverage is sized for subsidised treatments in the public hospitals. All Singapore Citizen babies are automatically covered by MediShield Life from birth, including those with congenital and neonatal conditions, for life. 

MediShield Life premiums may be fully paid through MediSave and parents will be able to tap on the MediSave Grant for Newborns to pay for their child’s MediShield Life premiums. The Government provides significant support to keep premiums affordable (e.g. Premium Subsidies for the lower- to middle- income). 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 further help them with the payment of their MediShield Life premiums. 

For more information on MediShield Life, please click here. 

Related: Integrated Shield Plans (IPs) 

Providing Support for Conception 

MediSave for Assisted Conception Procedures 

To help couples better afford the cost of treatment for Assisted Conception Procedures (ACP), a couple may tap on their MediSave for their ACP treatment cycles. The MediSave withdrawal limits for each cycle are: 

• 1st cycle - $6,000 

• 2nd cycle - $5,000 

• 3rd and subsequent cycles - $4,000 

A lifetime MediSave withdrawal limit of $15,000 per patient for ACP also applies. 

Withdrawal limits are necessary to ensure that MediSave use for ACPs do not come at the expense of one’s ability to meet their other current and future healthcare needs. 

Related: Baby Friendly Hospital Initiative 

Government Co-Funding Scheme for Assisted Reproduction Technology Treatments at Public Hospitals 

With the median age at first marriage and first birth rising, there is an increasing number of couples who need medical help in conceiving. Assisted Reproduction Technology (ART) treatments such as in-vitro fertilisation may be able to help these couples. 

ART treatments are clinical and laboratory techniques that involve the mixing of eggs and sperms outside the body to enhance fertility. Couples with difficulties conceiving should try to seek such treatments early, as the success rate of ART is likely to fall with age. Such treatment can also 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, capped at $7,700.  

For an overview of the marriage and parenthood schemes, please visit the Marriage and Parenthood Schemes Website.