Medisave Maternity Package Guide: What Is It & How To Claim?

Financially Reviewed by Edward Hee
By Firdaus Syazwani

Published: 26 May, 2024
Last Updated: 24 May, 2024

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Welcoming a new baby is one of life’s most exciting moments, but the costs can add up quickly.

Luckily, the Medisave Maternity Package (MMP) is here to help you manage those expenses without breaking the bank.

In this post, you’ll learn:

What the Medisave Maternity Package covers
The specific withdrawal limits for various maternity expenses
How to claim from the MMP with ease

Did you know that the MMP can save you thousands on pre-delivery and delivery costs?

It’s true, and I’m here to show you how.

If you’re expecting and want to ensure a smooth financial journey through pregnancy and childbirth, keep reading to find out all you need to know about the Medisave Maternity Package.

What is the Medisave Maternity Package?

The Medisave Maternity Package (MMP) is designed to ease the financial burden associated with childbirth and prenatal care in Singapore.

It allows you to use your MediSave funds to pay for a variety of maternity-related expenses, including both delivery and pre-delivery medical costs.

What are the MediSave withdrawal limits for the Medisave Maternity Package?

Understanding the MediSave withdrawal limits for the Medisave Maternity Package (MMP) is crucial for managing your maternity expenses effectively.

Here’s a detailed breakdown of what you can withdraw and for which expenses:

Pre-delivery Expenses

You can withdraw up to $900 from your MediSave account for pre-delivery medical expenses.

This includes:

Pre-natal Consultations: Regular visits to your obstetrician are covered, ensuring you get the necessary medical advice and monitoring throughout your pregnancy.
Ultrasound Scans: These essential scans to monitor your baby’s development are included in the pre-delivery expenses.
Tests: This limit also covers necessary diagnostic tests, ensuring the health of you and your baby is closely monitored.
Medications: You are covered for any prescribed medications during your pregnancy, which help you manage health conditions and support your pregnancy.

Hospital Stays

For hospital stays, the withdrawal limits are structured as follows:

Daily Hospital Charges: You can withdraw up to $550 per day for the first 2 days of your hospital admission. This helps cover the initial higher costs associated with delivery.

Subsequent Days: Starting from the third day, you can withdraw $400 per day. This ensures continued support as your hospital stay progresses, helping you manage ongoing expenses without financial stress.

Example Scenario
Let’s consider a scenario to illustrate these limits better.

Suppose Jane is admitted to a hospital for delivery and stays for 4 days.

Here’s how the MediSave withdrawal would work for her:

For the first 2 days, Jane can withdraw $550 per day, totalling $1,100.
For the remaining 2 days, she can withdraw $400 per day, totalling $800.

In total, Jane can withdraw $1,900 to cover her hospital stay during delivery.

Delivery Expenses

On top of the above, you can claim the following limits for your delivery expenses:

Type of Operation	MediSave Limits for Delivery Expenses
Vaginal Delivery (Normal)	$750
Vaginal Delivery (Assisted)	$1,250
Caesarean Section (Normal)	$2,150
Caesarean Section (with Tubal Ligation)	$2,600
Caesarean Section (with Hysterectomy)	$3,950

Making the Most of Your MediSave

To maximise the benefits of the MMP, it’s essential to plan your withdrawals effectively.

Ensure that you keep track of your medical expenses and hospital stay duration to utilise the MediSave funds fully.

Remember, the goal of these limits is to alleviate financial pressure and allow you to focus on your health and the well-being of your newborn.

By understanding and utilising these limits, you can ensure comprehensive coverage for your maternity-related expenses, making your journey to parenthood smoother and more financially manageable.

How to claim from the Medisave Maternity Package?

You may submit your pre-delivery medical bills to the hospital where your baby was born. The hospital will include these bills, together with the costs associated with your delivery, in your MediSave claims under the MediSave Maternity Package.

Can I withdraw from my MediSave for pre-delivery medical expenses before my delivery?

Yes, you can withdraw from your MediSave for pre-delivery medical expenses before your delivery.

This includes costs such as pre-natal consultations, ultrasounds, tests, and medications.

The Medisave Maternity Package allows you to claim up to $900 for these pre-delivery expenses, ensuring that you receive the necessary medical care during your pregnancy without financial stress.

Can I use MediSave for the birth of all of my children?

Yes, you can use MediSave for the birth of all of your children.

The Medisave Maternity Package is available for each pregnancy, allowing you to withdraw funds to cover delivery and pre-delivery medical expenses for every child.

This ensures that you can manage the costs associated with childbirth multiple times, providing financial support throughout each pregnancy.

Conclusion

In a nutshell, the Medisave Maternity Package is a lifesaver for expecting parents in Singapore, helping you cover both pre-delivery and delivery expenses.

We’ve walked through what the MMP is, the specific withdrawal limits, and the straightforward process to claim from it.

From covering your ultrasounds and consultations to managing hospital stay costs, the MMP ensures you’re financially prepared for the joyous arrival of your little one.

If you’re financially worried about the costs of giving birth, you should consider getting a maternity insurance policy, that extends your coverage for pregnancy complications for yourself and your baby.

Feeling a bit overwhelmed with all the details?

Don’t worry – you’re not alone.

If you have any questions or need personalised advice, why not chat with one of our friendly financial advisor partners?

They’re here to help you navigate through it all, and the best part?

It’s completely free.

Reach out today and make sure you’re getting the most out of your MediSave for a smooth and stress-free maternity experience.

Click here to talk to a financial advisor.

References

Firdaus Syazwani

Twenty years ago, Firdaus's mother bought an endowment plan from an insurance agent to gift him $20,000. However, after 20 years of paying premiums, Firdaus discovered that the policy was actually a whole life plan with a sum assured of $20,000, and they didn't receive any money back. This experience inspired Firdaus to create dollarbureau.com, so that others won't face the same problem of being misled or not understanding what they are purchasing – which he sees as a is a huge problem in the industry.

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