Wednesday 7 November 2018

Raising a child in Singapore can be expensive, how about delivering a child into this world?


Singapore is an expensive place to live in. We has been dubbed the world's most expensive city to live in for the fifth year running. We are even ahead of New York, London and Los Angeles in the Economist Intelligence Unit's(EIU) Worldwide Cost of Living 2018 survey. Which really surprises me and possibly you, if you have ever stayed in New York for a while, either as a tourist or for work. 

No doubt, Singapore can be an expensive place to live in, just check out the cost of owning a car! But… as a citizen, I actually do not really think we are that expensive a place, at least for locals, to live in. There are certain assumptions in the survey that makes us the most expensive place for the 5th year running which I will share more about in another post. 

Meanwhile, I like to share a little about the delivery related cost in Singapore, based on our own experience.

Before going into the cost per se, I just like to share while having a little one does indeed incur cost, the joy you get from raising your little one will far outweigh this monetary cost by a mile, or more. There is nothing that can replace the joy you get from seeing your little one grow and become more responsive to your actions and words. No words can describe the joy… So I shall not waste more words trying to… 😀


Our delivery was generally uneventful, which was a great thing! Mama’s water bag started to leak in the middle of the night (2 nights before EDD) and we took a Grab down to NUH. We entered the delivery suite at around 4am and by 430pm, Little Singa (LS) arrived into the world! 

For the delivery related cost, I guess we have little control over what we will / need to consume. We heard of a couple of our friends who tried natural birth and then had to do an emergency cesarean when things were not going right, hence incurring higher cost. All we could do was pray to have a smooth delivery. In the 3-4 months prior to EDD, we did increase our frequency of long walks on weekends morning, hoping it will help provide a smooth delivery. Thankfully, things went as per planned and Little Singa (LS) was delivered naturally, with epidurial.

I know there are some who regard natural delivery without epidurial as a badge of honor. Some say the pain is the rites of passage for a mother, which I personally think is hogwash. We are not some tribal people who need to prove that we are man / mother so we undergo some genital mutilation / tattoo nonsense or deliver without epidurial. If you did not use epidurial and delivered naturally, good for you, you have high pain tolerance. But on the flip side, there is absolutely Zero shame to use epidurial during a delivery.

All mothers out there are amazing, no matter delivering with or without epidurial. Our gynae gave us a piece of sound advice: use epi if you need it, do not use if you feel there is no need. There is no badge of honor for you not using when you need it. The only one to suffer is yourself. While I admit to be pretty frugal (to stingy) sometimes, this was one occasion where I was more than happy to spend the money. I personally find tooth extraction a pretty scary thing already and I feel giving birth is probably 10x scarier! So yea, whatever that can help reduce the pain during this experience, so be it.

I feel it is also important for Papa to be there in the delivery suite to support Mama both physically (though not much the hubby can do physically) and mentally (more so in this area). That, and also to witness the arrival of your little one!

The moment when LS was delivered was simply surreal. Words cannot describe how I felt and I could honestly say there were tears of joy at the point in time. Despite LS being still slimy and all, there was nothing you could love more in the entire universal (sorry mama 😆).

We did all the tests which the hospital required LS to do but there was the Newborn Metabolic Screening Programme which was optional, but we did anyway. I was hesitant to do this Metabolic Screening as it was very rare for the test to be positive (which is a good thing) and which means it will be a waste of money (cost approx. $150 if I did not recall wrongly.) Some parents might say this is small money for a test, but after hearing from all my friends who did the test for their newborn and 100% turned out negative, I was pretty sure the test would return negative (which it did) as well. The test essentially screens for rare but potentially serious disorders such as phenylketonuria (PKU), cystic fibrosis, and congenital hypothyroidism.

To be honest, the NUH bills were itemized but it was quite complicated and there were like interim bills and final bills a couple of week later, so I am actually not too sure of the final exact amount. I will usually look bills carefully and flag out any possible mistakes, but in this case, i think in the feel good moment of it all, we were just happy to pay the bills and bring Little Singa home with us! Besides, I like to think NUH will not overcharge us on purpose. 


All in, we paid about $2000 (cash) + $4000 (Medisave) for the 2 nights stay (One bedder) in NUH for natural birth. Notwithstanding, I note there are friends of ours who spend about $10,000 out of pocket when they deliver natural + e-cesarean. So the amount spent would definitely vary, depending on the procedures and level of complexity. But for a relatively straight forward case of natural birth for private ward class, I think an out of pocket cost of $2000 and $4000 from Medisave is still reasonable, given the quality of the medical care in Singapore.


What are your thoughts? 


Signing off for now!
Frugal Singa



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