Saturday, 13 May 2017

Baby Delivery Costs at Private Hospitals from 2011 to 2017 (TMC vs Mt Alvernia) - How Much Cash Outlay You Need?

Last month was an extremely joyful day for our family as we have our new addition baby boy. So I decided to compile the monetary cost of bringing him to this world. Refer to my earlier post in Dec 2014 when we had our last child. 

Actual costs from prenatal to delivery

Below is a table comparing our 3 of our kids.  


Variations in costs

Ward Type / Days Stay
* TMC room rates – click here
** Mount Alvernia room rates – click here

My wife only stayed 2 days in the hospital which is considerably short. In fact, mummy is so healthy that she is only required to stay 1 day, but we decided to extend another day to spend more time with baby, who was required to be transferred to NICU. 

NICU
By some strange and non-convincing diagnosis of the doctor, baby is required to stay in the NICU, which wife and me never really approve on initially. I was definitely not impressed by the doctors (2 PDs I consulted) and had quite a heated conversation with the doctors. 

Anyway it is a long story, and by some supernatural reason unexplainable, we heard "voices" that our baby need to be in NICU, so that we can finish what we were assigned to do there. Me and wife were then so joyful in NICU after knowing the “truth”, as we conveyed blessings to other parents, babies and nurses in the NICU room.   

Monetary wise, it is >$1000 lumpsum (incl. treatment) in NICU at least. Our baby stayed there for 5 days in total. 

My baby NICU treatment was already considered mild. There was a Filipino parent who I become acquainted with and given him some encouragement. He was always very gloomy there, because his baby is significantly prematurely delivered only weighing 1kg or so. The estimated NICU stay is 30 days or more with more sophisticated treatment. And you can also estimate his bill then. Haiz...... 

Birth Type
We always believe in natural birth since this is how woman is created to give birth. My wife's delivery is definitely the cheapest because she had skipped all the unnatural use of operative procedures and all medications. 

Test
Due to the "so-called" advancement of the medical technology, there are so many tests since our last baby. Even daddy need to do blood test, which I refused to do anyway. We also skipped almost all optional tests including OSCAR test, which will cost much more than our bills. 

Doctors’ Fees
Given the same Gynae as the delivery in 2014, we witness huge inflation of doctors’ fee (~30 to 40%).

Rolf’s Summary

Overall, I expect it will cost S$15k +/- for prenatal, delivery and pediatric charges in a private hospital depending on various factors in the present time. 

Because of our baby NICU saga, we paid more of course, but it will be offset by the baby bonus, since this is our 4th baby.

Inflation is definitely quite absurd nowadays in hospital. The whatever addition that government is trying to give in bonuses, in my opinion, is only sufficient to cover inflation. Or probably even not enough, considering the education fees had all inflated too.

Overall, a cash outlay ranging of S$10K +/- is expected, excluding all the baby bonuses.

We are thankful
My wife and baby are so healthy now. 

We are so thankful. Wife is almost all-recovered now. In fact, her delivery and recovery were all supernatural despite not having all the "necessary" medication. No epidural, no laughing gas, and even no big scream, and within less than 24h, she walks normally and was given permission to discharge. 2 days after delivery, we were already shopping and having cafe and outside food, and she is also bathing everyday since then. 

Now, close to 1 month later, she is in perfect health, breastfeeding and taking care of baby by herself. 

Baby is as healthy now since he was discharged. 

The PD who predicted our baby needing to stay at least 14 days or more in the NICU had to keep the mouth tight, as our baby was discharged immediately after me and mummy finished "what we were assigned need to do there", which lasted 5 days in total. Both PD and Gynae were amazed by baby and mummy's recovery. 

We are thankful once again. 

So, are you considering having a baby in 2018?



38 comments:

  1. Replies
    1. Hi CW, yeah indeed. Nice for dropping by. :-)

      There are really serious inflation in things we do not really come to know of such as baby milk or hospital charges like we mentioned. But also in many other things that is slowly creeping up which we tend to ignore in our daily life.

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  2. Hi Rolf,

    Congrats! Your family getting bigger and bigger and more blessed than ever :)

    My wife also went through natural birth without as much medical intervention as possible (which is very hard to do these days). But really scary, the escalating cost of birth. Crazy...

    Glad all is well!

    ReplyDelete
    Replies
    1. Hi LP

      Congrats too. So joyful for u and may the most High's blessings be upon you n ur family.

      Wife told me her factory is still open. hahahaha

      Glad to hear about you little prince, bcos if i rem correctly, once upon a time, a child is not really in ur prioritized radar. But now... thank God for it. :-)

      Yesh! Also happy that ur wife went thru natural birth w/o much med.

      Since now we rejoiced in the children, perhaps together with CW n u, we may have become contrarians in the financial blogosphere!

      Anyway for me, as always - past, now n in future, without any shadow of doubt, I am convicted that children are always blessings infinitely more than the winnings in stocks.

      Therefore let us spend more time in our family than in our work or our stocks.

      LOL!

      Delete
  3. Rolf, all the very best for you and your enlarged family. Wish you happy and wonder-filled times together.

    ReplyDelete
    Replies
    1. Hi Andy, thanks for the well-wishes.

      Despite lesser time for me and wife and added strain on the finance, we are very happy with the enlarged family.

      May all blessings and peace be upon u n family too. Cheers.

      Delete
  4. Hi Rolf,

    Congratulations on the birth of your new boy and thanks for sharing something so personal.

    Wishing your family and you well in all things you do in your life, health and happiness always.

    ReplyDelete
    Replies
    1. Hi Derek,

      No problem with the sharing, hopefully it gives an idea of the baby cost delivery cost in Sg.

      Thanks for the well wishes and I wish the same happiness in health and relationship for you too. :-)

      Delete
  5. Hi Rolf,

    Congrats, you and your wife are so brave to take on another child! Hahaha, they are indeed a bundle of joy but please don't forget to kiss and hug your wife too. NICU looks so expensive, but glad everything works out fine :)

    Jiayou during these first few months!

    ReplyDelete
    Replies
    1. Hi Jes,

      Yes. It's a indeed a decision that needs some good courage to overcome the tiredness in the first few months or even first few years. But it should be fine, as we are looking forward to the forward fruits of joy in time to come.

      I hope that your girl is growing up well too.

      Jiayin for your next addition too! :-)

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  11. Congratulations on your new baby. I commend you for being such a productive Singaporean. It is good to see able Singaporeans like you stepping up to have more :). I have more than 1 child but not as productive as you. Anyway, it is a matter of personal choice but it is always good to see more Singaporeans joining this world:)

    My wife also went through natural birth. Saved me lots of money too :)

    ReplyDelete
    Replies
    1. Hi hyom hyom,

      Nice to see your comment. It’s been awhile since we communicated. I hope that you were doing great all these times.

      Good to hear that your wife went thru natural birth. Aside from the $, both parents working can be tough to juggle work-home-kids.
      Besides, many nowadays have lots of difficulty in conceiving.

      Perhaps it is both Sg govt & my wish also that there are more Singaporeans willing to step up to have more.
      But of course must discipline and teach also. Not just have many children but all left to be led astray.
      :-)

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  24. We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

    DESCRIPTION OF INSTRUMENT:
    Instrument: Bank Guarantee (BG/SBLC).
    Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
    Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
    Age: One Year, One Day
    Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
    Delivery: Bank to Bank SWIFT.
    Payment: MT-760.
    Hard Copy: Bonded Courier within 7 banking days.

    All relevant business information will be provided upon request plus our terms and
    procedures.

    Contact name: David Verney

    Email : davidverney18@gmail.com

    skype davidverney18@gmail.com

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