Home / Free Tools / Delivery Cost Comparison
Cost of Giving Birth in Singapore
Estimate your delivery bill by ward class and delivery type, see how much MediSave can cover, and work out roughly how much cash you will need. Figures are based on the Ministry of Health's published hospital bill benchmarks.
Bills: MOH's latest published data (2023 discharges) · MediSave limits: CPF · Figures checked 12 Oct 2026
Estimated hospital bill
Typical delivery bills by ward (Singapore)
These are the Ministry of Health's published median bills (with the typical range), for Singapore Citizens, after subsidy in public wards and before MediSave or insurance.
| Ward | Normal delivery | Caesarean (uncomplicated) |
|---|---|---|
| Ward C | $1,346 ($1,078–$1,757) | $3,004 ($2,237–$4,698) |
| Ward B2 | $1,350 ($994–$1,757) | $2,582 ($1,966–$3,656) |
| Ward B1 | $4,463 ($4,037–$5,183) | $8,490 ($7,405–$9,649) |
| Ward A | $6,024 ($5,333–$6,882) | $9,839 ($8,709–$11,457) |
| Private hospital | $10,815 ($9,073–$12,547) | $15,805 ($13,722–$18,563) |
Source: MOH bill sizes for Singapore Citizens, codes SI836U (vaginal) and SI834U (uncomplicated caesarean). A complicated delivery costs more, and CPF's delivery limits are higher for an assisted vaginal delivery ($1,390) and for a caesarean with tubal ligation ($2,440) or hysterectomy ($2,770).
What MediSave covers for childbirth
The MediSave Maternity Package lets you (and your spouse) pay for delivery from your MediSave accounts, within these limits:
Delivery withdrawal
- Normal delivery: up to $1,120
- Caesarean: up to $2,380
- Assisted vaginal delivery: up to $1,390
- Caesarean with tubal ligation: up to $2,440
- Caesarean with hysterectomy: up to $2,770
Plus, also claimable
- Pre-delivery care (scans, tests, consults): up to $900
- Daily ward charges: a per-day MediSave limit applies. CPF's own example allows up to $2,660 for a 3-day stay after a normal delivery
- Both the mother's and father's MediSave can be used
Important: MediShield Life does not cover a routine delivery or a caesarean operation, so do not count on it for the birth itself. It does automatically cover your newborn from birth, including for certain serious conditions. If you want private-hospital maternity cover, that usually needs separate private insurance arranged before pregnancy.
Government support that offsets the cost
Having a baby in Singapore comes with substantial support. Every newborn citizen gets a MediSave Grant for Newborns of $5,000 (for births on or after 1 April 2025), which goes into the baby's MediSave to help with healthcare and MediShield Life premiums. On top of that, the Baby Bonus Cash Gift and Child Development Account can add well over ten thousand dollars. Work out your full entitlement with our Baby Bonus, CDA & cost estimator.
Don't forget antenatal (prenatal) costs
Your delivery bill is only part of the picture. Across the pregnancy you also pay for checkups, scans and tests:
- Subsidised checkups at KKH: S$37.20 to S$101.49 a visit for a Singapore Citizen, depending on your subsidy level. Scans and lab tests are billed on top.
- Private-rate checkups at KKH: from S$222.14 for a first visit and S$159.47 for a repeat with a senior consultant. Private clinics set their own fees, so ask for their antenatal package price before you book.
- Add-on tests: first-trimester screening (OSCAR), NIPT, the 20-week detailed scan and the glucose test (OGTT) are charged separately. KKH and NUH do not list these prices online, so ask for a quote at your first visit.
Much of your antenatal care can be paid from MediSave (up to the $900 pre-delivery limit).
Frequently asked questions
How much does it cost to give birth in Singapore?
For a Singapore Citizen, a normal delivery ranges from around $1,350 in a subsidised public ward to about $6,000 in Ward A and roughly $10,800 in a private hospital. A caesarean costs more, from about $2,600 (public, subsidised) to around $15,800 (private).
How much of the delivery can MediSave cover?
You can withdraw up to $1,120 for a normal delivery or $2,380 for a caesarean, plus up to $900 for pre-delivery care and a daily limit for ward charges. Both parents' MediSave can be combined.
Does MediShield Life cover my delivery?
No. MediShield Life specifically excludes routine maternity and caesarean charges. It does cover your newborn from birth, including for certain serious conditions. For private maternity cover you would need a separate private plan arranged before pregnancy.
Is my baby's bill included?
No, your newborn is billed separately for their own stay (and any care such as phototherapy or special-care nursery). The $5,000 MediSave Grant for Newborns helps offset this.
Do PRs and foreigners pay more?
Yes. Government ward subsidies in public hospitals are largest for Singapore Citizens, smaller for PRs, and do not apply to foreigners, who pay unsubsidised rates closer to private levels. Private-hospital prices are the same regardless of residency.
Can I use my husband's MediSave?
Yes. The MediSave Maternity Package allows both the mother's and the father's MediSave to be used, which effectively doubles the delivery withdrawal limit if needed.
How much cash should I budget?
After MediSave, a subsidised public delivery can cost little to a few hundred dollars in cash, while Ward A or a private hospital can leave several thousand to over ten thousand dollars to pay. Use the calculator above for your situation, and keep a buffer for antenatal care and your baby's bill.
Sources
- MOH - Hospital bill and fee benchmarks (SI836U, SI834U)
- MOH - Hospital Bills and Fee Benchmarks: past bill sizes, 2023 discharges, SI836U and SI834U (read 12 October 2026)
- CPF - MediSave for maternity expenses: withdrawal limits updated 1 April 2025 (read 12 October 2026)
- CPF - What MediShield Life covers
- KKH - Official bill estimator
- KKH - Outpatient charges for women: consultation fees effective 8 Aug 2025, GST included (read 12 October 2026)
- Made For Families - MediSave Grant for Newborns, $5,000 for births from 1 April 2025 (read 12 October 2026)
