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  • 1. Why was the Baby Bonus cash gift enhanced?

    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.

  • 2. Who is eligible for the enhanced Baby Bonus cash gift (inclusive of the Baby Bonus Plus)?

    A child is eligible for the enhanced cash gift if he/she meets the following criteria:

    1. Born1 on or after 1 January 2015, or has an estimated date of delivery (EDD)2 on or after 1 January 2015;
    2. Singapore Citizen or becomes a Singapore Citizen3; and
    3. 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(msf_babybonus@msf.gov.sg) with a scanned copy of doctor's certification on the EDD. The doctor's certification shall include the following details:

    • EDD;
    • 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.

  • 3. How do I join the Baby Bonus scheme?

    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

  • 4. I am an overseas Singaporean parent. Is my child eligible for the Baby Bonus and how can I apply?

    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.

  • 5. How will the cash gift (including the Baby Bonus Plus) be given out?

    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)

    Time
    Amount of cash gift disbursed
    First and Second Birth Orders
    Third and Subsequent Birth Orders
    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 $1,000 $1,000
    New Baby Bonus Plus When the child turns 18 months old $1,000 $1,000
    Total $8,000 $10,000

    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/

  • 6. Would parents have to return the Baby Bonus benefits that have already been disbursed to them in the following circumstances: (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.

  • 7. How is birth order determined? Are non-Singapore Citizen children / step children / still births counted in the birth order?

    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.

  • 8. How are twins and triplets counted in terms of 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.

  • 9. What will be the Baby Bonus entitlement for my child, who has just obtained Singapore Citizenship?

    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.

  • 10. What happens to the calculation of the birth order when a child passes away?

    The deceased child is still counted in the birth order when there are subsequent children born to the couple.

  • 11. Are adopted children eligible for the enhanced Baby Bonus and Baby Bonus Plus? 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 :

    1. born and adopted on or after 1 January 2015;
    2. is a Singapore Citizen at the time of his adoption or becomes one ; and
    3. 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

  • 12. Is it necessary to make a deposit to open a CDA?

    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.

  • 13. it compulsory to top up savings in the CDA to the specified cap once the CDA is opened?

    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.

  • 14. What can I use the savings in the CDA for?

    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:

    1. 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.
    2. 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.

  • 15. What happens to the CDA at the end of my child's 12th year?

    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.

For more information on the Baby Bonus Scheme, please visit: www.babybonus.msf.gov.sg.

  • 1. Which Assisted Reproduction (AR) centres are eligible for the ART co-funding scheme?

    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).

  • 2. Is ART co-funding extended to private hospitals? Why not?

    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.

  • 3. Do I have to apply for the ART co-funding scheme?

    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.

  • 4. Can I use MediSave to foot the remaining costs of a co-funded ART cycle?

    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

  • 5. I have two children already, but am trying for a third. Will I still qualify for the ART co-funding scheme?

    Yes, you can qualify for ART co-funding as long as all the eligibility criteria are met.

  • 6. Why is there an age restriction for the ART co-funding scheme?

    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.

  • 7. Why is co-funding only provided for 3 fresh and 3 frozen ART cycles? What about subsequent ART cycles for couples who may need it?

    The number of co-funded ART cycles is currently set at 3 fresh and 3 frozen cycles based on current clinical evidence which shows that the success rate of ART decreases with each cycle and with age. Co-funding for 3 fresh and 3 frozen cycles allows couples to freeze and store excess embryos produced from fresh cycles, and to follow up with a frozen treatment cycle subsequently.

  • 8. Why are the other assisted conception procedures (ACPs) such as intra-uterine insemination (IUI) not co-funded by the Government?

    The ART co-funding scheme is meant to help make more costly ART treatments more affordable. This refers to treatments such as in-vitro fertilisation (IVF) and its variations (with or without intracytoplasmic sperm injection (ICSI), in-vitro maturation, donor cycles and double stimulation cycles), and gamete intra-fallopian transfer (GIFT). The other ACPs, such as IUI, are generally less costly in nature. Nonetheless, apart from ART, Medisave can be used to help defray the cost of other types of ACPs such as IUI. 

  • 1. Why did the government enhance the foreign domestic worker levy concession?

    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).

  • 2. Who is eligible for the enhanced foreign domestic worker levy concession?

    If you 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

    1. You or your spouse has a child who is a Singapore Citizen below 16 years old living with you; or
    2. You or your spouse has a grandchild who is a Singapore Citizen below 16 years old living with you.

    B) Aged Person (foreign domestic worker employer/spouse)
    1. You or your spouse is a Singapore Citizen aged 65 years or above, and live at the same NRIC-registered address; or
    2. You or your spouse is a Singapore Citizen and the other party is a Singapore Permanent Resident aged 65 years or above, and both of you live at the same NRIC-registered address.

    C) Aged Person (parent/ grandparent)
    1. You or your spouse has a parent, parent-in-law, grandparent or grandparent-in-law who is a Singapore Citizen aged 65 years or above, living at the same NRIC-registered address as yourself; or
    2. You or your 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 at the same NRIC-registered address as yourself.

    D) Person with Disability (PWD)
    1. You or a family member living with you needs permanent help with at least 1 activity of daily living (e.g. washing/bathing, feeding, dressing). For more information on the eligibility criteria and application procedures, please visit the  Agency for Integrated Care (AIC)’s Singapore Silver Pages. AIC administers the levy concession for PWDs and will send supported applications to MOM for further assessment of other levy concession (PWD) criteria.

  • 3. Do I need to apply for the foreign domestic worker levy concession? How do I apply for the foreign domestic worker levy concession?

    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 (for young child / grandchild / elderly person schemes) or AIC’s Singapore Silver Pages website (for levy concession for PWDs).

    Type of Foreign Domestic Worker Levy Concession Scheme Do I need to apply for levy concession?
    Young Child Scheme No: So long as your child is registered as a Singapore Citizen, regardless of whether he or she is born in Singapore or overseas. 
    Young Grandchild Scheme Yes: Application is required unless the employer had provided his grandchild’s particulars in the application form. If not, 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 functional assessment report to the Agency for Integrated Care (AIC). AIC 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 AIC’s Singapore Silver Pages.

  • 1. Why is the Government providing a MediSave Grant for Newborns?

    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.

  • 2. Who is eligible for the MediSave Grant for Newborns?

    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:

    • EDD;
    • Mother's name and NRIC;
    • Name of clinic; and
    • Doctor's signature

    Please email the documents to medgrant_newborn@cpf.gov.sg or mail the documents to

    Social Programmes and Transfers Department
    Central Provident Fund Board
    Robinson Road P.O. BOX 3060
    Singapore 905060

  • 3. Do I need to apply for the MediSave Grant for Newborns for my child?

    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 medgrant_newborn@cpf.gov.sg to submit an enquiry.

  • 4. When will my newborn receive the MediSave Grant for Newborns?

    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 installments. 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.

  • 5. Can the parents withdraw the child's MediSave Grant for Newborns in cash?

    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.

  • 6. Can my child receive the MediSave Grant for Newborns if he/she obtains Singapore Citizenship after birth?

    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.

  • 7. If the parents of the child divorce subsequently, would the child have to return the MediSave Grant for Newborns?

    No, for the grant is not affected by the marital status of the parents.

  • 8. How can parents check their child's MediSave balance?

    Parents can contact the Central Provident Fund Board (CPF Board) at 1800-227-1188 or medgrant_newborn@cpf.gov.sg to check their child's MediSave balance.

  • 9. How can parents use their child's MediSave Grant for Newborns?

    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.

  • 10. Who can I contact for additional queries regarding the MediSave Grant for Newborns?

    You can contact the Central Provident Fund Board (CPF Board) at 1800-227-1188 or medgrant_newborn@cpf.gov.sg to submit an enquiry.

  • 1. Who is eligible for the increased MediSave withdrawal limits for pre-delivery expenses? Do these limits apply to both public and private healthcare institutions?

    All mothers who delivered on or after Budget Day 2016 (24 March 2016) are eligible for the enhanced MediSave withdrawal limits for pre-delivery expenses. The enhanced limits can be used at both public and private healthcare institutions.

  • 2. What is the average amount that Singaporeans spend on pre-delivery expenses? On average, how much would a Singaporean couple see their out of pocket (OOP) costs reduced, by the policy change?

    The amount of pre-delivery expenses can vary significantly, depending on the type of care that the couple chooses and whether it is subsidised or not. Basic subsidised pre-delivery care in KKH, including consultations, investigations and scans, costs about $900. This can be fully covered by the enhanced Medisave Maternity Package.

  • 1. Where can I find out more about MediShield Life?

    Please visit the MediShield Life FAQ page for Frequently Asked Questions on MediShield Life.

  • 1. How do I apply?

    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

  • 2. How will I receive the Subsidy?

    The subsidies will be disbursed directly to your child care centre. You will only need to pay the net fees after subsidy.

  • 3. Is there additional help for larger families with many elderly or young dependents?

    Yes, larger families with many dependents can choose to have their Additional Subsidy allotment computed on a Per Capita Income (PCI) basis.

  • 4. Am I eligible for the Additional Subsidy if my child is enrolled in half-day and flexi-care programmes?

    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.

Last Updated : 17 Oct 2018