The Maternity Project: Part 2

Do you know what subsidies/Grants/Aids you are eligible for?

Quick Jump

1. Leaves

Adoption Leave

Adoptive moms, who are eligible, are entitled to 12 weeks of paid adoption leave to connect with and care for their adopted children.

Childcare Leave

If your child is between the ages of 7 and 12, you may be eligible for extended childcare leave.

Maternity Leave

Working mothers are entitled to paid maternity leave following the birth of their child.

Annual Leave

If you have worked for your company for at least three months, you are entitled to paid yearly leave under the Employment Act.

Paternity Leave

Working fathers, including self-employed fathers, have been entitled to two weeks of paid paternity leave financed by the government from January 1, 2017.

Compassionate Leave

Compassionate leave is not guaranteed under the law. The employment contract between you and your company determine your leave rights.

Shared Parental Leave

Working fathers can presently seek to share up to 4 weeks of their wife’s 16 weeks of government-paid maternity leave.

Unpaid Infant Care Leave

If your infant is a Singapore citizen, you are entitled to 6 days of unpaid infant care leave each year as a working parent.

2. Healthcare Subsidies

MediSave Maternity Package

This includes both public and private hospital delivery costs, as well as pre-delivery medical costs such as consultations and ultrasounds.

You have the option to utilize

Pre-delivery medical expenditures up to $900,

A surgical withdrawal limit that varies between $750 and $2,600 depending on the kind of delivery procedure.

Up to $550 each day for the first two days and $400 per day after that for the hospital stay.

Present the invoices for pre-delivery medical care to the hospital where your baby was delivered to claim pre-delivery expenses from MediSave. The hospital will submit these invoices, together with the delivery costs, to the CPF Board on your behalf.

The amount of MediSave that can be withdrawn is limited to the lesser of the actual cost or the withdrawal limit.

MediSave Grant for Newborns

When your child becomes a Singapore citizen, a MediSave account will be opened immediately in their name and a $4,000 MediSave award will be deposited.

This award can help you pay for things like MediShield Life premiums, required childhood vaccines, hospitalisation, and approved outpatient therapies for your child.

Please contact the CPF Board if you do not receive information that a MediSave account has been set up for your infant within 90 days of registering your baby’s birth.

MediShield Life Coverage from Birth

MediShield Life is a state-mandated basic health insurance programme that helps pay for big hospital costs and certain expensive outpatient treatments like dialysis and cancer chemotherapy. Because it is sized for subsidised treatments at public hospitals, it is basic. MediShield Life covers all Singapore Citizen newborns for the rest of their lives, including those with congenital and neonatal disorders.

To pay for your baby’s MediShield Life premiums, you can use the Medisave Grant for Newborns. Premium Subsidies for the lower- to middle-income, as well as Transitional Subsidies for Singapore Citizens, are additional government subsidies provided to keep premiums reasonable for the first four years.

The government will grant Additional Premium Support to people who are financially disadvantaged and are unable to pay their portion of MediShield Life premiums even after receiving subsidies.

MediSave for Assisted Conception Procedures (ACP)

A couple may take $6,000 from the patient’s or the patient’s spouse’s MediSave for the first cycle, $5,000 for the second cycle, and $4,000 for the third and subsequent cycles to assist them cover the cost of Assisted Conception Procedures (ACP). For ACP, there is a lifetime Medisave withdrawal limit of $15,000 per patient.

Co-funding Scheme for ACP at Public Hospitals

With effect from January 1, 2020, eligible couples undergoing Assisted Conception Procedures (ACPs) in public Assisted Reproduction (AR) centres can receive up to 75% in government co-funding. The co-funding will cover the following:

Treatment with Assisted Reproductive Technology (ART), with a maximum of three fresh and three frozen ART cycles.

For women aged 40 and up, the government will co-fund up to two of the existing six co-funded ART cycles.

For 3 cycles of intrauterine insemination, the government will co-fund up to $1,000 every cycle (IUI) as long as the couple have tried assisted reproduction (AR) or intrauterine insemination (IUI) before turning 40.

Singapore Citizen (SC) Couple SC-PR Couple SC-Foreigner Couple
Fresh ART cycles
75%; up to $7,700
55%; up to $5,700
35%; up to $3,600
Frozen ART cycles
75%; up to $2,200
55%; up to $1,600
35%; up to $1,000
75%; up to $1,000
55%; up to $700
35%; up to $500

In-vitro fertilisation (IVF) and its variants (with or without intracytoplasmic sperm injection (ICSI), in-vitro maturation, donor cycles, and double stimulation cycles), as well as gamete intra-fallopian transfer, are covered under the co-funding plan (GIFT).

All typical procedures can be considered for co-funding, from ovarian stimulation through embryo freezing and transfer.

Initial consultations and investigations before to a patient’s choice to begin ART therapy, on the other hand, are not covered.

Qualifying For ACP Co-funding At Public ACP Centres

You are under 40 years old when you begin the IUI cycle.

You’ve been evaluated (up to 3 months) by a doctor at the public AR centre as being suitable for trying IUI before ART.

Either you or your spouse must be a Singapore Citizen.

3. Housing Schemes

Parenthood Priority Scheme (PPS)

There are schemes put in place to help couples gain quicker access to their own homes. Under PPS, first-time married couples with or expecting a child are given priority when balloting for a HDB BTO.

Parenthood Provisional Housing Scheme (PPHS)

While waiting for flats to be completed, families can rent a flat from HDB for half or less than half the market price under the Parenthood Provisional Housing Scheme (PPHS).

This scheme was originally designed for young parents, but it has subsequently been expanded to cover other family types such as divorced or widowed parents with children.

Fresh Start Housing Scheme (Fresh Start)

The Fresh Start Housing Scheme (Fresh Start) is designed to assist second-time families with small children who are currently residing in public rental apartments. Second-time families refer to households who have already taken up one housing subsidy.

The applicant and his or her spouse (if applicable) must be between the ages of 35 and 54, and they must be married, divorced, or widowed.
This programme assists these families in purchasing 2-room Flexi apartments (through BTO or SBF sales exercises) by offering financial and social assistance.
A $35,000 Fresh Start Housing Grant will be available, as well as preferential allocation of up to 10% of 2-room Flexi apartments under the Tenants’ Priority Scheme.

4. Baby Bonus Scheme & Baby Support Grant

The Singapore Government introduced the Baby Bonus Scheme to encourage more Singaporeans to have children in an attempt to increase the country’s birth rate. The Baby Bonus Scheme comprises of the Baby Bonus Cash Gift and a Child Development Account (CDA).

The Baby Bonus Cash Gift ($8,000 for the first 2 children and $10,000 for the third child onward) will be given out in five installments over 18 months, after our child’s birth.

The Child Development Account (CDA) has two parts, the First Step Grant, and the Government co-matching of our savings into this account. The  First Step Grant of $3,000 will be automatically deposited when you open the CDA for your child at these banks: DBS/POSB, OCBC or UOB.

The Government will also do a dollar-for-dollar matching for deposits into your child’s CDA. This is up to the maximum of $3,000 for the first child, $6,000 for the second child, $9,000 for the third and fourth child, and $15,000 for the fifth child onward before the child turns 12 years old.
All parents of Singaporean children born between October 1, 2020, and September 30, 2022 will also get a one-time $3,000 Baby Support Grant.

5. Childcare Subsidies & Support

Basic Child Care Subsidy

When it comes to childcare, there are several subsidies and incentives to make childcare less expensive.

Working mothers can get a Basic Childcare Subsidy of up to $600 for infant care and up to $300 for childcare.

A Basic Childcare Subsidy of up to $150 a month is available to families with non-working mothers.

An Additional Childcare Subsidy of up to $710 for infant care and $467 for childcare is available to families with working mothers (or single father) and a max monthly household income of $12,000.

Kindergarten Fee Assistance Scheme (KiFAS)

At Anchor Operators or MOE kindergartens, get subsidies from $21 to $170 monthly depending on family income. Families must meet the following requirements to qualify:

  • The child is a Singapore citizen.
  • Max gross monthly household income of $12,000. For larger families, max per capita income of $3,000.

KidSTART Programme

The KidSTART programme assists low-income families with various sorts of child development support for children from age 0 to 6. It comprises three main key components:

  • KidSTART Home Visitation
  • KidSTART Groups (Supported Playgroups)
  • KidSTART Enhanced Support to Pre-schools

Other Financial Assistance Schemes

School Meals Programme. Subsidies are provided for meals purchased and consumed in school canteen.

After-school care for primary schools. Low-income families will be eligible for total subsidies of up to $285 per month.

Bursaries for students attending publicly funded post-secondary institutions

Continue Reading: The Maternity Project