ART co-funding is available only at AR centres in Singapore public hospitals. These are located at National University Hospital (NUH), Singapore General Hospital (SGH), and KK Women's and Children's Hospital (KKH).
No. Similar to general healthcare subsidies, the ART co-funding scheme only applies for ART treatment done at public hospitals. Patients can still use Medisave for ART treatment performed at private hospitals up to the prevailing withdrawal limits.
You will only need to fill up a declaration form provided by the hospital, which will be used to check your eligibility for the co-funding scheme. Once the hospital has verified that you are eligible to receive co-funding, the hospital will incorporate it into your bill.
Yes, Medisave can be used to pay for both co-funded cycles and cycles that are not co-funded. For co-funded cycles, the use of Medisave will serve to further reduce the out-of-pocket amount that you will have to pay. Couples can withdraw the following amounts from Medisave for ACP, up to a lifetime withdrawal limit of $15,000:
- 1st cycle: up to $6,000
- 2nd cycle: up to $5,000
- 3rd and subsequent cycles: up to $4,000
Yes, you can qualify for ART co-funding as long as all the eligibility criteria are met.
Medical evidence shows that the chance of conception is significantly higher for a woman who undergoes ART treatment at a younger age. The ART co-funding scheme is meant to encourage couples who have difficulty conceiving to seek treatment early, and hence focuses on those who start their ART treatment cycle before reaching 40 years of age.
Fresh ART treatment cycles usually produce excess embryos, which are then typically frozen and stored for future use. With improvements in technology and clinical practice, it is now a norm in clinical practice for couples who have produced enough good quality embryos from the first fresh treatment cycle to follow up with a frozen treatment cycle thereafter. Co-funding for 3 fresh and 3 frozen cycles is meant to encourage couples to use their frozen embryos left over from fresh cycles.
Please note that no co-funding will be provided for subsequent ART cycles beyond the 3 fresh and 3 frozen co-funded cycles.
For more information on the ART co-funding scheme, please refer to: www.moh.gov.sg (under “Marriage and Parenthood Schemes”).
The ART co-funding scheme is meant to help make more costly ART treatments such as in-vitro fertilisation (IVF) (with or without intracytoplasmic sperm injection (ICSI)) and gamete intra-fallopian transfer (GIFT) more affordable. The other ACPs, such as IUI, are generally less costly in nature. In both cases, Medisave can be used to help defray the cost.
The Baby Bonus Scheme, comprising the cash gift and the Child Development Account, aims to support couples in their parenthood decisions and defray the costs of having children.
Parents currently utilise a range of care options during the child's infancy (first 18 months), from centre-based infant care to informal caregiving arrangements. To better support parents with out-of-pocket caregiving expenses during this period, the Government will enhance the Baby Bonus Cash Gift by providing a Baby Bonus Plus of $2,000 cash. This will be disbursed between 12th to 18th months after the child's birth (in comparison, the existing Cash Gift is only disbursed within the first 12 months of birth). The enhanced Baby Bonus Cash Gift (inclusive of the Baby Bonus Plus) will provide more sustained support to parents during the child's infancy.
To send a strong signal of Government support for larger families, the enhanced Baby Bonus Cash Gift (i.e. inclusive of Baby Bonus Plus) will be extended to fifth and higher birth-order children, up from the first four birth-orders. This enhancement will provide additional support for married couples who have more children, by helping them defray out-of-pocket child-raising costs.
A child is eligible for the enhanced cash gift if he/she meets the following criteria:
- Born1 on or after 1 January 2015, or has an estimated date of delivery (EDD)2 on or after 1 January 2015;
- Singapore Citizen or becomes a Singapore Citizen3; and
- The child's parents are lawfully married.
1Baby Bonus is not applicable to stillbirths.
2If your child's EDD was on or after 1 January 2015, parents can write to MSF(firstname.lastname@example.org) with a scanned copy of doctor's certification on the EDD. The doctor's certification shall include the following details:
- Mother's name and NRIC;
- Name of clinic; and
- Doctor's signature
3The amount of cash gift may be pro-rated if both parents are not Singaporeans at the point of the child's birth. The pro-rated amount will depend on the date that the child becomes a Singapore Citizen. MSF will inform parents of the amounts from Jan 2016.
Parents / prospective parents can complete the online registration at babybonus.msf.gov.sg to join the scheme. This can be done as early as 2 months before the estimated delivery date.
If either you or your spouse is a Singapore Citizen at the time of your child's birth, your child will be eligible for the full amount of Baby Bonus benefits after your child becomes a citizen. You can join the scheme by registering online at babybonus.msf.gov.sg.
If you and your spouse are not Singapore Citizens at the time of your child's birth, your child must obtain Singapore Citizenship before he/she reaches 24 months of age in order to be eligible for the cash gift. The Baby Bonus benefits will be pro-rated according to the date your child obtains Singapore Citizenship. MSF will inform parents of the amounts from Jan 2016.
The cash gift (including the Baby Bonus Plus) is given out in 5 instalments over 18 months following the child's birth:
Enhanced cash gift and disbursement schedule
(For children born on or after 1 Jan 2015)
|Within 7 to 10 days after joining the scheme||$3,000||$4,000|
|When the child turns 6 months old||$1,500||$2,000|
|When the child turns 12 months old||$1,500||$2,000|
|New Baby Bonus Plus
When the child turns 15 months old
|New Baby Bonus Plus
When the child turns 18 months old
Children born prior to 1 Jan 2015 will receive the Baby Bonus cash gift in three tranches – within 7 to 10 days after joining the scheme, when the child turns 6 months old and when the child turns 12 months old. For more details, please refer to the Baby Bonus FAQs at http://www.ifaq.gov.sg/bbss/.
(i) If the mother was lawfully married to the father, but divorced subsequently;
(ii) If the child passes away subsequently.
(i) No. Any remaining cash gift will be credited into the bank account of the parent or person granted the custody, care and control or care and control of the child under an order of court.
(ii) No. If there are any cash gifts outstanding, the remaining balance will be given to the bank account holder in one lump sum. The child's CDA, if any, will also be closed; The remaining CDA balances will be transferred to the Public Trustee for disbursement according to the Interstate Succession Act or Syariah Law.
The birth order is pegged to the number of children born alive to the mother or adopted by the mother.
For a child who is born (or adopted, if applicable) on or after 13 July 2015, and the parents had a stillbirth earlier, the stillborn will be counted in the birth order.
Step children, non-citizen children and children given up for adoption are not counted in the birth order.
Twins and triplets (and other multiple births) are counted as separate births. For e.g. the first twin is considered as the first child and the second twin as the second child.
If either parent is not a Singapore citizen citizen at the time of the child's birth, he/she will be eligible the full Baby Bonus benefits. He/she must obtain the Singapore citizenship citizenship and join the scheme before he/she reaches 12 years of age.
If both parents are not Singapore citizens at the time of the child's birth, he/she will be eligible for pro-rated benefits.
He/she must obtain citizenship before 24 months of age in order to be eligible for the cash gift, and before 12 years of age in order to be eligible for the CDA. The amount of pro-ration will depend on the date that the child becomes a Singapore citizen. MSF will inform parents of the amounts from Jan 2016.
What is the amount of benefits that a child will receive if he/she is adopted?
Adopted children are eligible for the enhanced Baby Bonus cash gift if they meet all the following criteria :
- born and adopted on or after 1 January 2015;
- is a Singapore Citizen at the time of his adoption or becomes one ; and
- the adoptive parents are lawfully married at the time of the child's adoption (i.e., when the adoptive parents obtain the Adoption Order). Note that children adopted by widows, widowers or divorcees are also eligible.
If a non-Singaporean child is adopted, the benefits will be pro-rated according to the age when the child converts to Singapore Citizenship.
The deceased child is still counted in the birth order when there are subsequent children born to the couple.
No, a deposit is not necessary. The CDA does not require any minimum balance at any point of time. There will be no bank charges even if there is no money in the CDA.
No, there is no such requirement. It is up to you to make savings based on your needs. However, you are encouraged to save into the CDA to benefit from the Government's matching contribution. Do note, however, that interest earned is not considered as a contribution and will not be matched. Contributions above the specified cap (i.e. $6,000 each for the 1st and 2nd child, $12,000 each for the 3rd and 4th, and $18,000 each for the 5th and subsequent child) will also not be matched. If your child is born on or after 1 Jan 2006, you will have up to 31 Dec of the year he/she turns 12 to save into the CDA.
The money may be used on all your children, even those without a CDA, to pay for their child development needs at Approved Institutions (AIs) that have registered with MSF under the Baby Bonus Scheme. These include:
- Child care centres
- Kindergartens and special education schools registered with the Ministry of Education (MOE) or Council for Private Education (CPE)
- Early intervention programmes registered with the National Council of Social Service (NCSS) or Centre for Enabled Living (CEL)
- Healthcare institutions licensed under the Private Hospitals and Medical Clinics (PHMC) Act
- Premiums for MediShield or Medisave-approved private integrated plans
- Pharmacies licensed by the Health Sciences Authority (HSA) for the purchase of approved healthcare items
- Optical shops registered with the Accounting and Corporate Regulatory Authority (ACRA) for the purchase of approved optical appliances
- Providers of assistive devices
Please note that the funds cannot be withdrawn in cash. Withdrawals from the CDA can only be made via interbank GIRO or NETS at Approved Institutions (AIs) only:
- Payment via interbank GIRO: For payments via interbank GIRO, please enquire with your AI. You will need to fill up an application form to use interbank GIRO for the CDA and submit it to your AI.
- Payment via NETS: The bank you opened the CDA with will issue you a Baby Bonus NETS Card. While you can use this card to make NETS payments at AIs from your child's CDA, it cannot be used to make payments at other places, or to withdraw cash at ATMs.
The CDA will be closed, and any unused CDA funds will be transferred to the Post-Secondary Education Account (PSEA). For more information on the PSEA, please refer to: www.moe.gov.sg/initiatives/post-secondary-education-account.
The Medisave Grant for Newborns (MGN) helps to provide parents with greater peace of mind and support for their children's healthcare needs.
The Medisave Grant for Newborns will help to ensure that newborns start out in life with enough Medisave to pay for their Medishield Life premiums from birth till age 21. It will also support expenditures on recommended childhood vaccinations, hospitalisation, and approved outpatient treatments.
All Singapore Citizen babies born on or after 1 January 2015 are eligible for the enhanced Medisave Grant for Newborns (MGN) of $4,0001 . These include children who are adopted as well as children who are born to divorced or unwed mothers. Children who are born overseas can qualify for the grant upon registering their birth with the Immigration and Checkpoints Authority (ICA) directly, or through the Singapore Mission Overseas. Newborns who are Permanent Residents (PRs) or foreigners are not eligible. Children who had an Estimated Date of Delivery (EDD) on or after 1 January 2015 may be eligible2.
Those born on or after 26 August 2012, but before 1 January 2015 are eligible for a grant of $3,000.
1If the child is not a Singapore Citizen at birth, the MGN amount will depend on the date that the child becomes a Singapore citizen. Central Provident Fund Board (CPFB) will inform parents of the applicable amount in the notification letter from March 2016.
2If your child's EDD was on or after 1 January 2015 but was born earlier, you can write to CPFB with:
- A copy of the doctor's certification of your child's EDD;
- A copy of the birth certificate of your child;
- Copies of NRICs or passports of both parents
The doctor's certification shall include the following details:
- Mother's name and NRIC;
- Name of clinic; and
- Doctor's signature
Please email the documents to email@example.com or mail the documents to
Central Provident Fund Board
79 Robinson Road
Attn: Medisave and Healthcare Claims
No. All eligible newborns will receive the grant automatically after birth registration. The parents of the child will receive a notification letter after the grant has been deposited
If your child is born overseas, you can register their birth with the Immigration and Checkpoints Authority (ICA) directly, or through the Singapore Mission Overseas.
If your newborn is eligible but did not receive the grant, you can contact Central Provident Fund Board (CPF Board) at 1800-227-1188 or firstname.lastname@example.org to submit an enquiry.
Newborns who are eligible for the enhanced Medisave Grant for Newborns of $4,000 will receive the payout to their Medisave accounts from March 2016.
In the interim period, children who are eligible for the increased Medisave Grant for Newborns will continue to receive the existing grant of $3,000, credited in two instalments. In March 2016, there will be a one-off top-up to their Medisave so that they receive the full $4,000 in total.
It will take about two months from the registration of birth for the grant to be credited to the newborn's Medisave account. The parents of the child will receive a notification letter after the grant has been deposited.
No, the grant is deposited into the child's Medisave account, and is meant to cover the child's healthcare expenses as he/she grows up. The grant can be used to help defray the child's healthcare expenses, such as MediShield Life premiums, recommended childhood vaccinations, hospitalisation, and approved outpatient treatments.
If the child is not a Singapore Citizen at birth, the grant amount will depend on the date that the child becomes a Singapore citizen. CPFB will inform parents of the applicable amount in the notification letter from March 2016.
No, for the grant is not affected by the marital status of the parents.
Parents can contact the Central Provident Fund Board (CPF Board) at 1800-227-1188 or email@example.com to check their child's Medisave balance.
The Medisave Grant for Newborns can be used in the same way as the rest of Medisave.
The Medisave Grant can be used for the MediShield Life premiums for the child. MediShield Life is a basic health insurance scheme that will cover all Singaporeans, for life.
Medisave can also be used to pay for medical expenses incurred from hospitalisations, approved day surgeries and approved outpatient treatments, including recommended vaccinations on the National Childhood Immunisation Programme.
Medisave can also be used to pay for approved Integrated Shield Plan premiums (e.g. AIA HealthShield, Aviva MyShield, NTUC Incomeshield, Great Eastern Supremehealth and Prudential PruShield.). We encourage parents who wish to purchase Integrated Shield Plans for their children to consider if such coverage is suitable for their family's needs and situation. Using the grant to pay for Integrated Shield Plans which offer higher-ward coverage (for example, in private hospitals) will deplete the child's Medisave account quickly.
For more details on the uses of Medisave, please visit the MOH webpage on Medisave withdrawal limits.
You can contact the Central Provident Fund Board (CPF Board) at 1800-227-1188 or firstname.lastname@example.org to submit an enquiry.
A congenital condition is a medical condition existing at birth. Common examples of congenital anomalies or conditions include a cleft palate, hole in the heart and Down's syndrome.
Neonatal conditions refer to conditions that require newborns to seek treatment soon after birth. An example of a serious neonatal illness is pneumonia.
Parents have expressed their desire for MediShield to cover their children who may require hospitalisation upon, or soon after birth for medical complications or treatment of congenital anomalies.
To help to relieve the financial burden on parents and provide peace of mind, we are extending MediShield to cover congenital and neonatal conditions. This will also help all Singaporean children receive full coverage from birth without having to be assessed for pre-existing conditions.
With the extension of coverage, all newborn Singaporeans born on or after 1 Mar 2013 are able to receive full coverage from birth without having to be assessed for pre-existing conditions, for congenital and neonatal conditions. For all other policyholders, only congenital and neonatal conditions that are diagnosed on or after 1 Mar 2013 or the MediShield/ Integrated Shield Plan commencement date, whichever is later, are covered.
For queries on coverage on a specific medical condition or for a specific person, please contact CPFB (1800-227-1188 or email@example.com) to enquire.
For all Singapore citizen newborns born on or after 1 March 2013, they are fully covered under MediShield and will not need to undergo any assessment for pre-existing conditions, including congenital or neonatal conditions. This means that they are covered under MediShield for any medically necessary treatment, subject to the existing claim limits.
For queries on coverage on a specific medical condition or for a specific person, please contact CPFB(1800-227-1188 or firstname.lastname@example.org) to enquire.
No action is required on the part of parents.
All newborns born on or after 1 Mar 2013 who are Singapore Citizens are automatically covered under MediShield from birth after birth registration, without underwriting, if parents do not opt out. For these newborns, hospitalisations for congenital and neonatal conditions are covered under MediShield, subject to the prevailing claim limits.
Existing policyholders such as insured children will also automatically receive coverage for any congenital condition diagnosed on or after 1 Mar 2013.
Parents will be notified of the extension of MediShield coverage for their newborns by the CPF Board. Premiums for a child's MediShield cover can be paid for using either parent's Medisave account
As an insurance scheme funded through risk-pooled premiums, all MediShield enhancements and premium increases have to cut over on the same fixed date, which is 1 Mar 2013. MOH and the CPF Board have worked to shorten the implementation timeline as far as possible. However, extensive changes are required to ensure that valid claims can be smoothly processed from the date of enhancement. Policyholders also need sufficient prior notice of the premium increases, before the enhancement to benefits are effected. Hence, the package of MediShield enhancements cannot be implemented any earlier than 1 March 2013.
Congenital and neonatal conditions are covered as per other medical conditions under the prevailing MediShield claim limits subject to the deductible and co-insurance.
You may wish to refer to the CPF website for more information on MediShield claim limits here.
The intent of the increase in foreign domestic worker levy concession is to provide more financial assistance to families, who need to hire a foreign domestic worker to look after themselves or their dependants (young children / aged persons / persons with disability).
If you / your spouse employ a foreign domestic worker to help out with your household needs, you can qualify for the concessionary levy rate if ANY of the following conditions are met:
A) Young Child / Grandchild Scheme
- The employer or spouse has a child who is a Singapore Citizen and below 12 years old living with him/her; or
- The employer or spouse has a grandchild who is a Singapore Citizen and below 12 years old living with him/her.
- The employer or co-residing spouse is a Singapore Citizen aged 65 years or above; or
- The employer or spouse is a Singapore Citizen and the other party is a Singapore Permanent Resident aged 65 years or above, both of whom live at the same registered address as in the NRIC.
- The employer or spouse has a parent, parent-in-law, grandparent or grandparent-in-law who is a Singapore Citizen aged 65 years or above, living with them at the same registered address as in the NRIC; or
- The employer or spouse is a Singapore Citizen and has a parent, parent-in-law, grandparent or grandparent-in-law who is a Singapore Permanent Resident aged 65 years or above, living with them at the same registered address as in the NRIC.
- Employers with disabilities or who have family members with disabilities and require a full-time caregiver's assistance in daily activities (washing/bathing, feeding, going to the toilet, dressing and mobility). For more information on the eligibility criteria and application procedures, please visit the website of the Centre for Enabled Living (CEL) at www.cel.sg. CEL is the assessing authority on the disability status under the PWD scheme. CEL will send supported applications to MOM for further assessment of other levy concession (PWD) criteria.
Please refer to the table below for a summary of the application guidelines. For more details of the application criteria and steps, please visit MOM’s website www.mom.gov.sg (for young child / grandchild / elderly person schemes) or CEL website www.cel.sg (for PWD scheme).
|Type of Foreign Domestic Worker Levy Concession Scheme||Do I need to apply for levy concession?|
|Young Child Scheme||No: If your child is a Singapore Citizen born and registered in Singapore.
Yes: If your child is born overseas and issued with a Singapore citizenship certificate.
|Young Grandchild Scheme||Yes: MOM requires the grandchild’s particulars (Birth certificate no., birth date, nationality and relationship information between the foreign domestic worker employer and grandchild) to assess the eligibility for levy concession.|
|Aged Person (foreign domestic worker employer/ spouse) Scheme||No: MOM will automatically grant the levy concession based on the existing records of the foreign domestic worker’s employer and employer's spouse that were provided in the foreign domestic worker application, if the criteria are met.|
|Aged Person (parent / grandparent) Scheme||Yes: MOM requires the aged person’s particulars (NRIC no., NRIC address, birth date, nationality and relationship information between the foreign domestic worker's employer and aged person) to assess the eligibility for levy concession.|
|Persons With Disability (PWD) Scheme||Yes: The person with disability is required to complete a medical assessment and submit the completed levy concession application form and medical assessment report to CEL, which is the assessing authority for the disability status. CEL will send supported applications to MOM for further assessment of all other levy concession (PWD) criteria.
For more information on the eligibility criteria and application procedures, please visit the website of CEL at www.cel.sg.
All applications for the Basic and Additional Subsidy should be made through your child care centre. Your centre will provide you with the necessary application forms.
The subsidies will be disbursed directly to your child care centre. You will only need to pay the net fees after subsidy.
Yes, larger families with many dependents can choose to have their Additional Subsidy allotment computed on a Per Capita Income (PCI) basis.
Yes. Subsidies for half-day care programmes will be pro-rated at 50% of full day care. Similarly, subsidies for flexi-care programmes will be pro-rated based on the number of hours of care received per week.