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When do we pay for the pregnancy and birth, and from which pot?

Pregnancy cash planner

Enter your due date and delivery choice. See the check-ups, delivery, baby's bill and confinement month by month, and what cash, CDA and MediSave each pay.

Page updated · Bills from MOH, MediSave from CPF, support from LifeSG

Step 1 Your numbers

Your due date and baby

We show an example date 20 weeks away until you change it.

The CDA grant and matching cap depend on birth order for babies born before 1 April 2027. The cash is S$10,000 for every child.

Baby Bonus cash, the CDA and the MediSave Grant for Newborns are for Singapore Citizen children.

CPF's MediSave Maternity Package is for Singapore Citizens and PRs, using their own or a spouse's MediSave.

Public hospital subsidies in Wards B2 and C depend on the patient: citizens get the most, PRs less (MOH).

Your delivery

Assisted or complicated covers forceps, vacuum, twins and breech births.

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

Your own figures

Your clinic's package or quote. MOH publishes no antenatal bill sizes.

For example, nursery charges or jaundice treatment. Ask the hospital; MOH publishes no figure.

Leave blank to use the estimate above.

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

From your own pocket, before any Baby Bonus cash, about

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All the bills
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MediSave pays
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Insurance pays
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Cash from you
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Cash support, first year
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Into the CDA
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Most cash out at once
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    Month by month

    Minus is money going out. Cash, CDA and MediSave are separate pots: CDA and MediSave money cannot pay cash costs.

    Payments by month, in three columns: cash, CDA and MediSave
    When and whatCashCDAMediSave
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    What this plan assumes

    The delivery bill is MOH's latest published bill for Singapore Citizens discharged in 2023, as in the delivery bill estimator. PR and foreign patients pay different rates. Check-ups, scans, the baby's bill and confinement are your own figures or labelled estimates. Months assume your baby arrives on the due date, and payment months are approximate. Verify with MOH hospital bills, CPF MediSave Maternity Package, LifeSG SG Child Support Package and MOH MediShield Life premiums. 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)Data period: page last updated 26 August 2026Last checked:

    Source: LifeSG SG Child Support Package (first-year cash) ↗ (opens in new tab)Data period: Cash Gift top-up by 30 April 2027; Baby Gift from 1 April 2027Last checked:

    Source: Made For Families: CDA approved uses ↗ (opens in new tab)Data period: page last updated 23 August 2026Last checked:

    Source: Made For Families: MediSave Grant for Newborns ↗ (opens in new tab)Data period: babies born on or after 1 April 2025; page last updated 24 February 2026Last checked:

    Source: HealthHub: MediShield Life from birth ↗ (opens in new tab)Data period: article last reviewed 17 July 2025Last checked:

    Source: MOH MediShield Life premiums ↗ (opens in new tab)Data period: policies starting or renewed on or after 1 April 2025; page last updated 1 October 2025Last checked: Recheck pending

    Step 3 What next

    Next in ExpectingHow much paid leave do we get as a couple?Parental leave planner →Also usefulWhat will our baby's first year cost?First‑year baby cost estimator →

    Common questions

    Can the CDA or MediSave pay for confinement or baby things?

    No. CDA money pays only approved bills, such as childcare, preschool and medical bills at approved places. MediSave pays approved medical bills and premiums. Confinement, gear and everyday costs are paid in cash.

    When can we claim the check-up bills from MediSave?

    After the birth. CPF says to give your pre-delivery bills to the delivering hospital, which claims them with the delivery bill, up to S$900 in total.

    Who pays the baby's own hospital bill?

    For a Singapore Citizen baby, the S$5,000 MediSave Grant for Newborns goes into the baby's MediSave when the birth is registered. It can pay hospital stays and the baby's MediShield Life premiums. MediShield Life covers citizen babies from birth.

    Why is the Baby Gift not in a month?

    For babies born from 1 April 2027, LifeSG says the S$10,000 Baby Gift is paid in 2 parts within 12 months of the birth. It has not published the dates, so we show it at the end of the plan.