Health Insurance for Multiple Birth Caesarean
Delivering twins or more? Here’s what it can cost.
Expecting twins or triplets? A multiple birth Caesarean can cost between SGD 9,800 and SGD 13,900. Learn how to prepare financially and medically.
How much does it cost?
The 2025 MOH benchmark for Caesarean delivery in multiple births is SGD 9,800 to SGD 13,900, excluding hospital stay, NICU charges, or additional consultations. These costs reflect only the professional surgeon's fees and do not include additional expenses like room charges, epidural anesthesia, lab tests, or post-operative recovery. Depending on your hospital and specific case, total bills can easily exceed these benchmarks.
What does insurance cover?
Some international health plans have lower limits or exclusions for multiple births. Always check whether your plan includes full maternity coverage for complications. It is important to verify whether the insurance benefit includes both inpatient hospital stays and outpatient consultations related to the procedure. Some insurers distinguish between 'maternity care' and 'surgical intervention', which could affect your reimbursement.
What to watch out for?
Insurers may treat multiple births as high-risk, requiring additional underwriting. You may also face caps on neonatal care, which are crucial in twin deliveries. In addition, watch for any co-insurance clauses, annual benefit caps, or restrictions on where the procedure must be done (e.g., specific hospitals or networks). These can all reduce the actual payout from your insurance.
Tips from Sébastien
If you're expecting twins, don’t wait — ensure you have coverage for both delivery and neonatal care. This advice is especially relevant for expats who may be between jobs, have private plans not offered by an employer, or are self-employed. Being proactive with insurance gives you access to better benefits and more predictable financial planning.
Need help?
We can help you select the best plan for multiple births, including neonatal ICU coverage. Our advisory team can help you compare plans, explain fine print, and find options that meet your family’s unique healthcare needs. Don’t wait until you’re already expecting to review your options.
