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How much does it cost to have a Baby in Singapore

September 4, 2010

Dollar SignHaving a baby is one of the most precious events that can happen to a family.

That said, a baby can be a strain on a family’s finances. So it is good to have an idea of how much it cost to have a baby in Singapore so that you are mentally prepared on how much you need to set aside for the coming months.

Below is a list of all the key things that you will need during your pregnancy. The budget that you need to set aside varies very much according to your personal circumstances and lifestyle, so do use the list below more as a guide rather than a definitive budget list.

Regular Medical Checkups

On average, a typical gynaecologist in Singapore charges about $60-$75 per visit. Nowadays, gyanecologist offer packages too. The package is around $500-$700 and includes the consultation, basic medication (e.g. calcium, folic acid). Do note that the packages usually start from the 4th month, so you will still need to fork out cash on a per visit basis before that.

Additional Medical Tests

At around the 20th week of your pregnancy, your gynaecologist will ask you to go for a detailed scan of your baby. This will cost around $200-$400. In addition to the detailed scan, nowadays doctors usually recommend you to go for the OSCAR test as well. This is a test to detect Down syndrome and usually performed between Week 11 and the end of Week 13. This test will also cost an additional $200-$400. Some gynaecologists offer a combine package for both tests. For example, my gynaecologist from Parkway East hospital offered a combine package of both tests for $500. However, do note that the OSCAR test is not compulsory.

Maternity Clothes

There are a lot of great looking maternity clothes out there in the market nowadays, so mummies-to-be will be highly tempted to splurge on this. As such, the budget for this is highly variable. A minimal budget to set aside would be at least $200 for at least a few pairs of pants and bermudas (these are the first things that you will not be able to wear after the first few months… LOL). Even if you have a lot of friends who will be giving you stuff, you will still find that you need to buy a few items that fit you better.

Basic Essential Things to Buy for Baby

It is hard to estimate the budget that you need to set aside for the things that you need to buy for baby (see Baby Shopping List). If you need to buy everything instead of getting some things passed down from your friends, then your expenditure can easily be around $1500. Baby Centre offers a very useful budgeting spreadsheet to help you budget for the once off items that you need to buy for your baby.

Confinement Nanny

If you are engaging a confinement nanny, the current market price is about $1800 to $2000. For confinement nannies, you can either engage one through the confinement agency, or directly contact the confinement nanny yourself. If you do the latter, it can save you a little as you cut out the middle man in the deal.

Pre-natal class

I am a fan of pre-natal class (see Should I go for Prenatal Class). Signing up for a pre-natal class enables you to learn practical tips on how to become a new mummy. It also helps you to be more mentally prepared for your new role. However, it is more a good to have rather an essential thing. If you do decide to go for a prenatal class, be prepared to set aside about $500 -$800 for the class.

Delivery

Last but not least, the D-Day itself!

The cost of delivering the baby differs depending if you are going for a natural unassisted birth, or a c-section, or other types of birthing methods. As a guide, a normal delivery with epidural will cost about $1,500 for a 2-bedded room.  This does not include the cost of the baby’s nursery room and other expenses. The Singapore Ministry of Health website provides a comparison for the different delivery charges in Singapore hospitals.

Do note that Singapore Citizens and Permanent Residents can deduct a portion of the cost of delivery using the Central Provident Fund (CPF). Such deduction is for the medical expenses of your first four living children. As such, the cash payment portion is usually less than $1000. See the cpf website for more details.

If you are tighter in your budget, there are ways to get around this issue. For example, you can save quite a bit from getting passed down stuff from your friends, or you can decide to learn about pregnancy and childcare from the internet and books instead of signing up for a prenatal class.

Whatever it is that you choose to do, remember to consult your hubby! It is not worth it to get into an argument about financial matters and harm your husband-and-wife relationship. Remember, open and honest communication is the key.

Love,

from the Savvy Mummy.

I am a first time Singaporean mummy with a passion for blogging. I started the savvy mummy blog to share useful information and tips about being a first time mummy, and some funny and heartwarming anecdotes about my adventures.

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3 Comments leave one →
  1. October 26, 2010 9:37 am

    Oh my.

    I have just stumbled upon your blog and have been thoroughly enjoying my read. I did have to comment on this entry though, if only from the standpoint of being so very grateful to live in Canada. I paid nothing for my doctor’s visits, ultrasounds, pre and post-natal classes, hospital stay, or delivery. Obviously maternity clothing and baby needs were my own responsibility, but all of the medical aspects were fully paid for by our tax-sponsored medical program.
    It is fascinating to me to learn how things are in other parts of the world, and I have to ask myself – if we Canadians had to pay for things as you do, I wonder if there would be so many children being born here?
    Lovely to ‘meet’ you, and I wish you all the best in the time ahead!
    Sue

    • October 26, 2010 10:24 am

      Hi,

      Thanks for visiting my blog! Glad that you find it a great read. =)

      Yup, having a child in Singapore is pretty expensive. It will get even more expensive when the baby is born. Then there will medical checkups, vaccination jabs, diapers, etc. But I’m sure having a baby is worth it. In fact, I’m already planning for baby no. 2…!

  2. December 24, 2010 2:59 pm

    It can be quite expensive. The Simply Her magazine talked about how it can reach $350k. It does sound scary and quite a number of ppl did talk about it. http://little-ones.blogspot.com/2010/12/cost-of-raising-child-in-singapore-350k.html – here’s my take on it =D.

    Ah, my blog is also on your moms blog list (Educating the little ones) but I have changed address to http://little-ones.blogspot.com. Thanks!

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