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How much cash do we need for the birth?

Delivery bill estimator

Pick the delivery type, ward and hospital. See MOH's published bill for it, what the MediSave Maternity Package covers, and the cash left to set aside.

New to this? Read the short guide first →

Page updated · Bills from MOH, MediSave limits from CPF

Step 1 Your numbers

Your delivery

Plan for the one your doctor expects. Many births change on the day. Assisted or complicated covers forceps, vacuum, twins and breech births.

Subsidised wards are for Singapore Citizens and PRs.

Listed A to Z. MOH shows a hospital only where it had at least 10 such births; the others are greyed out.

MediSave and insurance

Pre-delivery bills you want to pay from MediSave (up to S$900). They are not in MOH's hospital bill.

Only if your plan covers delivery. Ask your insurer.

Yours and your spouse's. Leave blank if you have enough.

Nothing you enter leaves this device.

Step 2 Your result

Set aside about

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Hospital bill
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MediSave pays
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Insurance pays
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Cash
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    MOH’s figure is the mother’s bill for the delivery and her typical stay. The baby’s own bills, such as a NICU or special care stay, are not included. Babies born early or in NICU →

    Every hospital with a figure for this choice

    MOH's latest published bills (patients discharged in 2023) for the same choices as above.

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      What this estimate assumes

      Bills are MOH's latest published total hospital bills: Singapore Citizens discharged in 2023, in the bill sizes file MOH last revised on 15 April 2025 (no newer year has been published). They include GST, come before MediSave, MediShield Life and insurance, and leave out antenatal packages. MediSave Maternity Package limits are CPF's and are the same at public and private hospitals: the actual split of your bill between the delivery and ward charges can make MediSave cover less. Permanent residents and foreigners pay different rates. Hospitals are listed A to Z or by the column you choose, never ranked. Ask your hospital for its own estimate. Verify with MOH hospital bills and CPF MediSave Maternity Package. Bills checked ; MediSave limits checked .

      Source: MOH hospital bills ↗ (opens in new tab)Data period: Bills of Singapore Citizens discharged 1 Jan to 31 Dec 2023Last checked:

      Source: CPF MediSave Maternity Package ↗ (opens in new tab)Period: not stated by the sourceLast checked:

      Step 3 What next

      Next in ExpectingWhen do we pay for the pregnancy and birth, and from which pot?Pregnancy cash planner →Read the guideHow much does it cost to give birth in Singapore? →

      Common questions

      How much does it cost to give birth in Singapore?

      MOH's latest published median bills are for Singapore Citizens discharged in 2023, before MediSave and insurance. They were about S$1,350 for a vaginal delivery in a subsidised Ward B2, S$6,024 in an unsubsidised Ward A and S$10,815 across private hospitals. Pick your hospital and ward to see its own figure.

      How much MediSave can we use for the delivery?

      Under CPF's MediSave Maternity Package, from S$1,120 to S$2,770 for the delivery depending on the procedure. Plus up to S$1,130 a day for the first two days in hospital and S$400 a day after that, and up to S$900 for pre-delivery check-ups and scans. The money can come from the mother's or her spouse's MediSave Account.

      Does the S$5,000 MediSave Grant for Newborns pay the delivery bill?

      No. It goes into the baby's own MediSave Account, for the baby's healthcare and MediShield Life premiums, so this estimate does not count it.

      Why are the hospitals listed in this order?

      Alphabetically, unless you choose to sort by a column. We never rank hospitals. The figures are MOH's published bill sizes, not a judgement of care.