Quick answer
MOH’s latest bills (2023 discharges) put a typical vaginal delivery at S$1,350 in subsidised Ward B2 and S$10,815 across private hospitals, before MediSave. Caesareans cost more. MediSave often covers a subsidised birth in full; a private birth usually needs several thousand dollars in cash.
The useful number: For a 2-day vaginal delivery, MediSave pays up to S$3,380. The private hospital median of S$10,815 leaves about S$7,435 for cash or insurance.
Estimate your delivery bill
Pick the delivery and the ward. You see MOH’s bill figures and what MediSave can pay.
Loading the official figures…
What do deliveries cost in MOH’s latest bills?
Each cell shows the typical bill (median), with the typical range (25th to 75th percentile) under it, before MediSave, MediShield Life and insurance:
| Ward | Vaginal delivery | Caesarean |
|---|---|---|
| Subsidised ward C | Typical bill (median) S$1,346Typical range S$1,078 to S$1,757 | Typical bill (median) S$3,004Typical range S$2,237 to S$4,698 |
| Subsidised ward B2 | Typical bill (median) S$1,350Typical range S$994 to S$1,757 | Typical bill (median) S$2,582Typical range S$1,966 to S$3,656 |
| Unsubsidised ward B1 | Typical bill (median) S$4,463Typical range S$4,037 to S$5,183 | Typical bill (median) S$8,490Typical range S$7,405 to S$9,649 |
| Unsubsidised ward A | Typical bill (median) S$6,024Typical range S$5,333 to S$6,882 | Typical bill (median) S$9,839Typical range S$8,709 to S$11,457 |
| Private hospitals, all wards | Typical bill (median) S$10,815Typical range S$9,073 to S$12,547 | Typical bill (median) S$15,805Typical range S$13,722 to S$18,563 |
Prices may have changed since 2023. We show MOH’s figures as published.
Before insurance and MediSave; after government subsidy for public hospitals; GST included; Singapore Citizens; your bill depends on your circumstances. Antenatal packages and outpatient care are not included.
The tool lists hospitals alphabetically, not ranked, and sorts only by a column you pick.
How much does MediSave pay?
- Vaginal delivery (normal)
- Up to S$1,120 for the procedure
- Vaginal delivery (assisted)
- Up to S$1,390 for the procedure
- Caesarean section (normal)
- Up to S$2,380 for the procedure
- Caesarean section with tubal ligation
- Up to S$2,440 for the procedure
- Caesarean section with hysterectomy
- Up to S$2,770 for the procedure
- Hospital stay
- Up to S$1,130 a day for the first 2 days, then S$400 a day
- Before the birth
- Up to S$900 for consultations, scans, tests and medicines
It can come from the mother’s or her spouse’s MediSave, with the same limits at every MediSave-accredited hospital. The S$5,000 MediSave Grant for Newborns goes into baby’s own account, not to the bill.
How do you work out the cash you need?
- Pick the delivery type. Many parents also price a caesarean as a backup budget.
- Pick the ward class: subsidised C or B2, unsubsidised B1 or A, or private.
- Look up MOH’s bill; the top of the typical range gives a cushion.
- Work out the MediSave limit: the procedure limit plus the daily limit for your stay.
- Take off what your insurance pays, if it covers maternity.
- Add any antenatal bills above S$900, which MediSave will not cover.
What does this look like for a public and a private birth?
- Ward B2 vaginal delivery, 2 days
- Bill S$1,350; MediSave covers all of it; cash S$0
- Private hospital vaginal delivery, 2 days
- Bill S$10,815; MediSave up to S$3,380 (S$1,120 + S$1,130 × 2); cash about S$7,435
- Private hospital caesarean, 3 days
- Bill S$15,805; MediSave up to S$5,040 (S$2,380 + S$1,130 × 2 + S$400); cash about S$10,765
- S$1,200 of antenatal bills
- MediSave pays S$900; you pay S$300
The tool uses MOH’s average stay; change it to your hospital’s package.
Which tool and download help?
The Delivery bill estimator shows the bill, MediSave cover and cash, by ward or hospital. Pack the Hospital bag and admission list so your documents are ready. Next, the First-year baby cost estimator adds up the year after.
Why might our bill be different?
It covers costs only; your doctor decides how your baby is delivered. A longer stay, a complication or an assisted delivery changes the bill. The tool does not cover a complicated caesarean, which has no named MediSave package. How the hospital splits the bill can also lower MediSave cover. Ask for a written estimate, and check your insurance before the birth.
Baby’s own bill is separate. If baby comes early or needs the NICU, see Born early or twins: bills, grants and leave for MOH’s NICU bills and how MediShield Life and MediSave help.
Printables for this guide
Hospital bag and admission list
The documents Singapore hospitals ask for at admission and for birth registration. Plus a light packing list for mum, baby and partner, for heat and cold wards.
Try it with your numbers
Open it with an example filled in, then change the numbers to yours.
Open delivery bill estimator → Try it with an example →Frequently asked questions
How much is a normal delivery at a public hospital?
MOH’s latest median for a vaginal delivery was S$1,350 in Ward B2 and S$1,346 in Ward C, before MediSave. MediSave often covers it.
How much is a caesarean at a private hospital?
MOH’s latest private median was S$15,805. With a 3-day stay, MediSave pays up to S$5,040, leaving about S$10,765.
Why is a private ward so much more than ward B2?
Wards C and B2 are subsidised. MediSave limits are the same everywhere, so other wards leave more cash to pay.
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Sources & assumptions
- MOH — Hospital Bills and Fee Benchmarks ↗
- MOH — Hospital bill sizes (latest published: 2023 discharges) ↗
- CPF — What you need to know about the MediSave Maternity Package ↗
Your hospital, CPF and your insurer decide what you actually pay.