为人父母还是很幸福的事,小编在这里,祝天下所有的爸爸妈妈身体健康,事事顺心。
若您有想过在新加坡生小孩, 小编建议您必须要有充足的积蓄。无论是在时间上还是在经济上,生儿育女都是一项重大责任。抚养孩子的经济费用甚至在孩子出生之前就已经开始。在本文中,我们将讨论在新加坡分娩的费用。我们将研究一些关键的成本构成,包括孕前检查以及分娩的医疗费。我们还会跟您阐述可以从Medisave帐户提取多少款项的指南。
- 产前检查
- 自然分娩
- 剖腹产
- 保健储蓄生产配套(Medisave Maternity Package-MMP)–使用保健储蓄进行分娩
如果这是您的第一个孩子,您可能会不知所措。以下当然是您需要知道的咯。嘻嘻。
怀孕首三个月医疗费
首三个月被认为是怀孕中危险最高的时期,流产发生几率最高。在这一点上,您(或您的医生)除了照顾怀孕妈妈的健康外,实际上也不能做什么,不要给怀孕妈妈太大的压力,尽力保证母子平安。根据您怀孕日期以及检查日期,您可能在前三个月中只进行1-2次检查。如果您的第一次孕前检查是在第8周之前进行的,那么超声波很有可能还没有检测到任何心跳。
如果您要预约私人的新加坡妇产科医生,则预计每次就诊的费用约为150至250新元,这不包括购买补品的额外费用。如果您包括补品,前两次访问可能会花费您大约500到700新元。如果您去公立医院,妇产科收费会便宜得多,因为如果您是新加坡公民,通常会得到补贴。如果这是您的第一次怀孕,在补品方面,请遵医嘱。随后,您可以以较低的价格从外部药房买到同样的补品。
怀孕第二和第三期医疗费
在第13周之后,大多数私人妇产科医生将提供所谓的产前配套。这意味着您不必每次都支付咨询费,而是一次性支付一笔费用,而这笔费用将用于支付配套中所有后续访问的费用。配套费用和承保范围取决于您使用的妇产科医生。平均而言,您会为此计划支付1,500至2,000新元。
当然,如果您愿意,您可以选择按次付费,每次单独结算费用。在不确定您是否想预约其他妇产科医生时,为了说服您购买检查套餐并坚持使用,大多数妇产科医生会为套餐定上难以拒绝的价钱,以使选择套餐更经济实惠。如果您打算坚持信任目前的妇产科医生,选择套餐是明智且经济的选择。有些套餐可能包括补品;有些人会排除它。如果您的配套中不包含补品,并且打算从妇产科医生那里购买,则可能需要多花几百新元。否则,如果麻烦不大,您还可以通过从外部药房购买补品来节省一些钱。
私人妇产科医生对孕前检查的粗略估算将使您花费大约2,000至2,500新元。如果您选择在公立医院进行检查,则总费用约为500新元。这不包括您可能选择的外部测试,例如唐氏综合症(Down Syndrome test)测试。
自然分娩
婴儿分娩时将承担您的大部分费用。对于新手父母,这种预算可能会让您感到震惊。以下是从卫生部(MOH)获得的数据,截至发布之日(2020年6月)为止是准确的。这用于自然分娩。以下所有照片均来自卫生部。
公立医院:自然分娩
如果您选择公立医院,您的费用将会更低。如果您选择A级病房,预计中位数费用将在4,799新元至5,141新元之间。
如果您不希望在花太多钱,也可以选择B1,B2和C级病房。这是您需要支付的费用的估算值。
根据观察:
- 在C级病房中,产婴成本可低至681新元。这表明,如果您不想花那么多钱,则成本未必会很高
- 在75%的水平上,B1级病房的成本可以为5,444新元,这仍然是可观的。请注意,公立医院的A级和B1级病房是无补贴的,这说明了B1级和B2级之间的巨大费用差异
私立医院:自然分娩
对于私家医院,妇产科收费自然会更高,尤其是如果您选择单房。中位数费用从$ 7,754(PEH)到$ 10,495(GEH)。
与公立医院类似,如果您希望减少私立医院的费用,也可以选择价格更实惠的共享病房(2床或4床)。
公立医院:剖腹产
剖腹产会更昂贵。首先,妇产科收费会更高。其次,由于剖宫产被认为是主要的手术类型,因此与其他大多数手术类似,手术的恢复周期自然会更长。这意味着住院时间更长,从而增加了总预算。如果您选择在公立医院A级病房入住,则预计花费在$ 6,296(NUH)到$ 10,719(KKH)之间。
同样,如果预算有限,您可以在公立医院选择B1,B2和C级病房,以降低成本。
私立医院:剖腹产
对于私立医院,您的预算可在$ 11,225(MAH)到$ 18,712(MEH)之间花费,如果您愿意,还可以选择价格更实惠的共享病房(2床或4床)。降低您的成本。
总结
- 对于剖腹产,平均住院时间约为三到四天。与自然分娩相比,母亲平均要多花一天的时间在医院里
- 与自然分娩不同,私立医院的账单规模相对可观,而剖腹产的差异在私立医院之间明显更大
自然分娩还是剖腹产?
并非总是由您决定!进行常规分娩或剖腹产的选择并不总是取决于您。如果分娩时出现并发症,妇产科医生可能或必须决定进行紧急剖腹产。这比您一开始就选择剖腹产要花费更多。
您的妇产科医生可能会建议您在某些情况下选择剖腹产。其中包括婴儿的位置对于自然分娩而言不是理想的选择,胎盘低下,有任何先前的病史,或者您期望双胞胎或更多其他原因。其他可能影响总成本的因素包括您在分娩时是否选择硬膜外麻醉,以及分娩前可能会或不会告知您的儿科医生费用。别忘了,您的小孩子在医院时也需要儿科医生。
还要注意,妇产科收费与医院费用是分开的。您的妇产科医生将为您报价,但可能不包括医院费用。因此,如果您发现医生收取的剖腹产费用将近$ 4,500,请不要高兴的太早,因为有可能排除医院费用,这很容易使总费用增加一倍。最后,您的宝宝也将被额外收费,其中包括住院(护士专程照顾),所需的婴儿点滴,住院期间消耗的牛奶或尿布以及使用的其他任何设备。
保健储蓄生产(Medisave Maternity Package)
保健储蓄生产(Medisave Maternity Package-MMP)为了帮助抵消成本,政府允许您使用Medisave的一些资金来帮助分娩。这是您可以获得补助的粗略分类。
例如,如果您进行了剖腹产并且在医院待了三天,您将能够获得900新元(产前费用)+ 1,350新元(住院三天)+ 2,150新元(手术剖腹产),总计4,400新元。您还可以为您的宝宝要求每天额外的$ 450津贴。因此,如果您在剖腹产后在医院呆了3天,则您将从Medisave获得总计约5,750新元。
在这里必须再次强调,上述费用是初步的预计,没有包含任何突发费用。如果发生并发症,则可能需要专门治疗和更长的住院时间,即使您选择在公立医院中选择低等病房,也可能使总体费用大大提高。
在新加坡生养孩子就是这么不容易,在这里,”狮城攻略”小编再次向天下父母表示敬意。如果身边有人需要本文内容,快快转发吧!”狮城攻略”让你活得比LOCAL更LOCAL。
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