The Medisave Maternity Package (MMP) lets CPF members use their Medisave savings to pay for pregnancy-related medical expenses in Singapore — from pre-natal check-ups through delivery and post-delivery care. In 2026, you can withdraw up to $900 for pre-delivery consultations, $750–$1,200 for the delivery itself, and up to $900 for post-delivery follow-ups, all cashless at approved hospitals and clinics.

Not financial advice. All figures are for educational reference only. Limits are based on CPF Board and MOH guidelines as at July 2026 — check cpf.gov.sg for the latest amounts before claiming.

What Is the Medisave Maternity Package?

Having a baby in Singapore is expensive. A normal delivery at a Class B1 ward in a public hospital can cost $3,000–$6,000 before subsidies. A C-section can push past $10,000 at a private hospital.

The Medisave Maternity Package was created to help. It lets you — or your spouse — draw from your CPF Medisave account to pay directly for maternity-related medical costs. Think of it as a ring-fenced withdrawal rule that unlocks your Medisave specifically for pregnancy expenses.

The package was established by the Ministry of Health (MOH) and administered through CPF Board. It works alongside MediShield Life and your Integrated Shield Plan — not instead of them.

You’re eligible if:

• You are a Singapore Citizen (SC), Permanent Resident (PR), or the spouse of one
• The delivery takes place at an approved hospital or clinic
• The pregnancy results in a live birth (stillbirth claims follow a separate process)

Foreigners without CPF cannot use the MMP, but may be covered partially through their ISP if maternity is included in their plan.

What Does the Medisave Maternity Package Cover?

The MMP covers three distinct phases of maternity care. Each phase has its own withdrawal limit and rules.

Phase 1: Pre-Delivery (Antenatal) Care

You can use Medisave for outpatient consultations at a doctor’s clinic or hospital during pregnancy. This covers up to 9 pre-delivery outpatient visits, with a combined limit of $900 per pregnancy. The $900 is for professional consultation fees only — routine tests and scans are billed separately and may not be claimable.

Phase 2: Delivery and Hospitalisation

This is the largest component. Medisave covers the delivery fee and your hospital ward stay. The delivery fee limit depends on the type of delivery:

• Normal (vaginal) delivery: Up to $750
• Assisted delivery (forceps/vacuum): Up to $750
• Caesarean section: Up to $1,200

Ward charges are claimable at up to $700 per day. For newborn care in the same hospitalisation, an additional daily withdrawal applies.

Phase 3: Post-Delivery Care

After delivery, you can use Medisave for up to 2 post-delivery outpatient check-ups, with a combined limit of $900 per pregnancy. These cover consultations for the mother’s recovery — not newborn paediatric visits, which are billed separately.

Here’s a quick overview of what’s covered and what isn’t:

Source: CPF Board, MOH Singapore. Data as at July 2026. Always verify current limits at cpf.gov.sg before claiming.

Medisave Maternity Package Claim Limits in 2026

The MMP withdrawal limits haven’t changed dramatically in recent years, but you should verify the current figures with CPF Board before your delivery. Here’s a full breakdown for 2026:

Source: CPF Board MMP guidelines. Figures in SGD, as at July 2026. Individual claims depend on actual charges and MediShield Life co-payment rules.

In practice, your total Medisave withdrawal depends on your delivery type and how many days you stay in hospital. For a typical 2-day normal delivery stay at a public hospital:

• Pre-delivery consultations: ~$600–$900
• Delivery fee: $750
• 2-day ward stay: $1,400 (2 × $700)
• Post-delivery: ~$300–$900
• Total MMP withdrawal: ~$3,050–$3,950

If your bill exceeds these limits, MediShield Life and your Integrated Shield Plan kick in to cover the remaining inpatient charges.

Can You Use Your Spouse’s Medisave for Maternity?

Yes — and this is one of the most useful features of the MMP. You can use both your own Medisave and your spouse’s Medisave for the same pregnancy. This is called an inter-account withdrawal.

This matters a lot in practice. If you’re the mother and have a lower Medisave balance (for example, if you took a career break), your husband’s Medisave can be used to top up the same maternity bill.

The combined Medisave withdrawal still cannot exceed the MMP limits — using your spouse’s account doesn’t double the caps. But it does mean you can pay the bill even if one partner’s Medisave is insufficient.

Both partners must be Singapore Citizens or PRs for inter-account usage to apply.

For a broader guide to how Medisave works and its annual limits, read our Medisave Singapore complete guide for 2026 — it covers the Basic Healthcare Sum (BHS), contribution rates, and all approved uses.

How to Claim the Medisave Maternity Package

The good news: you don’t need to do much paperwork yourself. The hospital or clinic handles the Medisave claim directly with CPF Board as part of your discharge process.

Here’s how it typically works:

Step 1: Register Your Pregnancy with a MOH-Approved Provider

Your antenatal clinic or hospital must be approved by MOH to use Medisave. Almost all restructured hospitals (SGH, NUH, KKH, CGH, Tan Tock Seng, Alexandra) and many private GP clinics qualify. Confirm before your first visit.

Step 2: Present Your IC at Each Visit

When registering for pre-delivery consultations, inform the clinic you wish to use Medisave via the Maternity Package. They’ll verify your CPF Medisave balance and process each claim automatically.

Step 3: Deliver at an Approved Hospital

At admission, the hospital’s finance desk will advise on Medisave usage. You authorise the withdrawal — either from your own account or jointly with your spouse’s — and the hospital submits the claim electronically to CPF Board.

Step 4: Post-Delivery Check-Ups

For post-delivery visits, present your IC and confirm Medisave usage at the clinic. The $900 cap applies across all post-delivery visits combined, not per visit.

What If My Bill Exceeds the MMP Limits?

If your total maternity bill is higher than the MMP withdrawal caps — which is common for longer stays or private hospital deliveries — MediShield Life covers the inpatient component (with deductibles and co-insurance), and your Integrated Shield Plan covers beyond MediShield Life’s limits. Any remaining amount is your out-of-pocket cost, also payable from Medisave (under the general Medisave withdrawal rules).

To understand the difference between what MediShield Life pays versus what an ISP adds, see our guide: Should You Upgrade MediShield Life to an Integrated Shield Plan?

Medisave Maternity Package vs Your Integrated Shield Plan

Many people confuse what the MMP covers versus what their ISP covers. They’re not the same thing — and both can apply to the same delivery.

Here’s the key difference: the MMP is a Medisave withdrawal scheme (you’re using your own savings). An ISP is insurance (the insurer pays the bill above what MediShield Life covers). They serve different purposes and layers of the same bill.

How They Work Together

For a typical inpatient delivery, the billing works like this:

1. MediShield Life covers part of the inpatient bill, after you hit your deductible (~$1,500–$3,000 for Class B2 and above)
2. Your ISP covers the amount above what MediShield Life pays — up to your chosen ward class (B1, A, or private)
3. Medisave (via MMP) covers the delivery fee and pre/post-natal outpatient components separately
4. You pay any co-insurance, deductibles, or charges outside all three schemes

The practical upshot: having a good ISP doesn’t mean you won’t use the MMP. The MMP handles specific outpatient and delivery fee components that ISPs typically don’t cover. They’re complementary.

To compare the best ISPs for maternity and general hospitalisation, read our Shield Plan Singapore complete guide — it compares all five major insurers on ward coverage, rider options, and premium costs.

Source: CPF Board, MOH Singapore. ISP coverage subject to plan terms and insurer policy. Data as at July 2026.

Tips to Maximise Your Medisave for Maternity

The MMP limits are fixed — you can’t increase them. But you can plan around them to minimise your out-of-pocket costs.

1. Ensure Your ISP Is in Place Before Delivery

ISPs with maternity riders or standard hospitalisation coverage must be active before conception or early pregnancy. Some insurers impose waiting periods for maternity claims. Check your policy terms early — at least 10 months before your expected delivery date. See our comparison of NTUC Income Enhanced IncomeShield and other ISPs for maternity-related hospitalisation coverage.

2. Choose a Subsidised Ward if Possible

Class B1 and B2 wards at public hospitals attract government subsidies that dramatically reduce your bill — sometimes by 50–80% depending on your income. After subsidies, MediShield Life, and MMP, your out-of-pocket cost can be surprisingly low. Private hospitals offer more comfort but often result in higher co-payments even with a premium ISP.

3. Use Your Spouse’s Medisave Strategically

If one partner has a low Medisave balance, plan ahead by topping up Medisave before the pregnancy. Our guide on how to top up Medisave in Singapore explains the options, limits, and tax relief available for voluntary top-ups.

4. Track the Current Medisave Limit (BHS)

Your Medisave is capped at the Basic Healthcare Sum (BHS) — set at $79,000 in 2026. Amounts above this flow into your Retirement Account (RA) or Special Account (SA). Knowing your balance helps you plan whether you need to rely on your spouse’s account for large maternity bills. For more details, see our Medisave limit 2026 guide.

5. Don’t Forget Baby’s MediSave/MSHL

Once your baby is born, they receive $4,000 in their own Medisave account and are automatically covered under MediShield Life. Newborn medical charges during the same hospitalisation can be billed to the baby’s Medisave — they don’t come from your MMP allocation.

Planning for your family’s finances long-term? Use our Singapore retirement planning calculator to model how maternity expenses, CPF contributions, and long-term savings interact.

Frequently Asked Questions: Medisave Maternity Package

Make Your Medisave Work Harder

The Medisave Maternity Package is just one piece of Singapore’s healthcare financing puzzle. Make sure your Integrated Shield Plan is set up correctly before your delivery.