This journey will be transferred to the two blogs below. Have fun readings. : )
Conquering Singapore's Education System
Monday, 29 January 2024
Wednesday, 4 January 2023
Year 2022 - Micah Medical Bill (10 years old+)
In summary, year 2022, total medical bill was S$214 (2x dentist visits).
S$171.20 paid by my company.
S$42.80 in cash.
In short, we paid S$42.80 cash for his medical bill in year 2022.
S$42.80 in cash.
In short, we paid S$42.80 cash for his medical bill in year 2022.
Monday, 4 July 2022
INVISALIGN child treatment plan, S$3,640 plus 7% GST
We had just invested a total of S$3,894.80 to ensure our 9+ years old boy has a perfect teeth alignment.
We chose Invisalign child treatment plan, conducted by Koh Dental Surgery @ NeWest.
Sunday, 9 January 2022
Year 2021 - Micah Medical Bill (9 years old+)
In summary, year 2021, total medical bill was S$246.85 (total 2x doctor visits and 2x dentist visits).
S$246.85 = S$165.85 (dental fees) + S$81 (doctor fees).S$197.48 paid by my company.
S$49.37 in cash.
In short, we paid S$49.37 cash for his medical bill in year 2021.
S$49.37 in cash.
In short, we paid S$49.37 cash for his medical bill in year 2021.
Sunday, 27 December 2020
Year 2020 - Micah Medical Bill (8 years old+)
In summary, year 2020, Micah total medical bill was S$206.45 (total 1x doctor visits and 2x dentist visits).
S$206.45 = S$144.45 (dental fees) + S$62 (doctor fees).
S$165.16 paid by my company.
S$41.29 in cash.
In short, we paid S$41.29 cash for Micah medical bill in year 2020.
Wednesday, 1 January 2020
Year 2019 - Micah Medical Bill (7 years old+)
In summary, year 2019, Micah total medical bill was S$404.15 (total 3x doctor visits and 3x dentist visits).
S$404.15 = S$208.15 (dental fees) + S$196(doctor fees).
S$329.72 paid by my company.
S$74.43in cash.
In short, we paid S$74.43 cash for Micah medical bill and S$0 cash for ourselves in year 2019.
Sunday, 6 January 2019
Singaporean Kid Medical Bill
This is a typical bill for Singaporean kid from born until age 6+.
We separate out the first year charges as it includes the delivery charges and all sort of vaccination costs.
From age 1 to age 6, I spent a total cash of S$382.17, that's S$63.70 per year, very affordable for GP medical & dental. Nevertheless, do take note, the company/insurance claim up to S$6,096.36.
This is the benefit of employment, as you can enjoy the benefit of medical claim from the company.
My previous company can enjoy full claim but the current one only up to 80% claim. In some companies, they don't even allow to claim kid medical cost !
We separate out the first year charges as it includes the delivery charges and all sort of vaccination costs.
From age 1 to age 6, I spent a total cash of S$382.17, that's S$63.70 per year, very affordable for GP medical & dental. Nevertheless, do take note, the company/insurance claim up to S$6,096.36.
This is the benefit of employment, as you can enjoy the benefit of medical claim from the company.
My previous company can enjoy full claim but the current one only up to 80% claim. In some companies, they don't even allow to claim kid medical cost !
Year 2018 - Micah Medical Bill (6 years old+)
In summary, year 2018, Micah total medical bill was S$782.85 (total 11x doctor visits and 2x dentist visits).
S$782.85 = S$119.55 (dental fees) + S$663.30 (doctor fees).
S$626.28 paid by my company.
S$156.57 in cash.
In short, we paid S$156.57 cash for Micah medical bill and S$0 cash for ourselves in year 2018.
Monday, 29 October 2018
Year 2017 - Micah Medical Bill (5 years old+)
In summary, year 2017, Micah total medical bill was S$199 (total 3x visits to the doctor).
S$159.20 paid by my company.
S$39.80 in cash.
In short, we paid S$39.80 cash for Micah medical bill and S$0 cash for ourselves in year 2017.
P/S: My new company now only able to claim 80% of the total medical cost (include dental) for child.
S$159.20 paid by my company.
S$39.80 in cash.
In short, we paid S$39.80 cash for Micah medical bill and S$0 cash for ourselves in year 2017.
P/S: My new company now only able to claim 80% of the total medical cost (include dental) for child.
Sunday, 8 January 2017
Year 2016 - Micah Medical Bill (4 years old+)
In summary, year 2016, Micah total medical bill was S$1,350.51.
S$874.41 paid by my company.
S$111.20 paid by my wife company.
S$337.10 paid by the travel insurance.
Micah had his first dental check up at GPA Dental Group. The experience was fantastic and it was a big bill of S$174.41 for a good 20 minutes visit. This is part of the total claim of S$874.41.
In short, we paid S$27.80 cash for Micah medical bill and S$0 cash for ourselves in year 2016.
I have joined a new company in year 2017. Only the first 5 claims of my own personal GP medical bill will be 100% claimable. The rest of the bill, including the dental, health check up, child medical bill are all 80% claimable. My wife company allows 100% claimable bill for the child if we go for GP. If we choose paediatrician, her company allows 80% claimable.
It means we have to pay 20% for Micah medical bill from now onwards (if we continue to visit paediatrician). Oh well!
I expect the medical bill (payable in cash) of our household will rise to S$200-S$300 range per year from S$0 per year previously.
Another one transaction after I left my company on October 31st, 2016. That can only be 80% claimable from my wife company.
24/Nov/2016 @ Anne's Baby and Child Clinic :
Singular S$26 ; Flumucil S$21 ; Curam x 2 (antibiotic) S$52 , total cost : S$139.
80% claimed allowed : S$111.20
20% : S$27.80
Total medical cost (year 2016): S$1,211.51 + S$139 = S$1,350.51
S$874.41 paid by my company.
S$111.20 paid by my wife company.
S$337.10 paid by the travel insurance.
Micah had his first dental check up at GPA Dental Group. The experience was fantastic and it was a big bill of S$174.41 for a good 20 minutes visit. This is part of the total claim of S$874.41.
In short, we paid S$27.80 cash for Micah medical bill and S$0 cash for ourselves in year 2016.
I have joined a new company in year 2017. Only the first 5 claims of my own personal GP medical bill will be 100% claimable. The rest of the bill, including the dental, health check up, child medical bill are all 80% claimable. My wife company allows 100% claimable bill for the child if we go for GP. If we choose paediatrician, her company allows 80% claimable.
It means we have to pay 20% for Micah medical bill from now onwards (if we continue to visit paediatrician). Oh well!
I expect the medical bill (payable in cash) of our household will rise to S$200-S$300 range per year from S$0 per year previously.
24/Nov/2016 @ Anne's Baby and Child Clinic :
Singular S$26 ; Flumucil S$21 ; Curam x 2 (antibiotic) S$52 , total cost : S$139.
80% claimed allowed : S$111.20
20% : S$27.80
Total medical cost (year 2016): S$1,211.51 + S$139 = S$1,350.51
Sunday, 13 December 2015
Year 2015 - Micah Medical Bill (3 years old+)
Another great year is coming to the end.
In summary, year 2015, Micah total medical bill was S$813.
S$813 was paid by my company. With 3 doctor visits ourselves, I still have a balance of S$16 unclaimed. :)
In short, we paid S$0 cash for Micah medical bill and S$0 for ourselves too in year 2015.
Micah had completed ALL the vaccination. The next one will be at Primary 1 and Primary 6.
May year 2016 be a good healthy year again for our family.
In summary, year 2015, Micah total medical bill was S$813.
S$813 was paid by my company. With 3 doctor visits ourselves, I still have a balance of S$16 unclaimed. :)
In short, we paid S$0 cash for Micah medical bill and S$0 for ourselves too in year 2015.
Micah had completed ALL the vaccination. The next one will be at Primary 1 and Primary 6.
May year 2016 be a good healthy year again for our family.
Monday, 22 December 2014
Year 2014 - Micah Medical Bill (2 years old+)
Time flies in a blink of an eye! One year just passed !
In summary, year 2014 baby Micah total medical bill was S$1,285.
S$868 was paid by my company. S$417 was reimbursed from Tokio Marine travel insurance.
S$868 was paid by my company. S$417 was reimbursed from Tokio Marine travel insurance.
In short, we paid S$0 cash for Micah medical bill out from our pocket in year 2014. Nice!
Micah medical cost shall be significantly lower in the subsequent years because he completed almost all the vaccinations in Singapore.
Micah medical cost shall be significantly lower in the subsequent years because he completed almost all the vaccinations in Singapore.
So long we are employed, our family medical costs shall be fully covered/reimbursed. This really help to erase the burdens of the high medical cost in Singapore!
Thanks goodness that my company gives S$1,000 medical allowance for the entire family, INCLUDING baby vaccination cost (not many companies allow to claim vaccination cost). That is why we bring him to visit private paediatrician (it is FREE, why not?) instead of general medical doctor or public hospital.
By the way, Karen company provides UNLIMITED claims for medical cost for the entire family too and that includes dental cost!
Sunday, 2 November 2014
How much you spend on milk powder ?
My little boy drinks Enfagrow milk powder.
I pay RM 100 for Enfa Stage 3 at Johor. He can finish 1 tin (1.7 KG) of milk within 14 days.
He drinks milk four times a day. So, each bottle of milk (240ml) costs RM 1.79 = S$0.71.
So one day baby milk consumption cost is S$2.85. (still OK la).
One year, baby milk consumption cost is RM 2,607 = S$1,043.
If you buy this milk power in Singapore, 1 tin is 1.8 KG instead, selling SGD 80.
Prorated to 1.7KG, it will be S$75.55 = RM 189. So, it is 89% more expensive in Singapore.
It is worth to mention Enfa milk in Singapore is manufactured in Netherlands.
Enfa milk in Malaysia is manufactured in Thailand.
Just recently, they have NEW packaging for the milk powder and I notice that the price starts to inch up.
Usual Price is RM 121.50.
I got the promotion price of RM 115.
It seems like there is a price increment of 15% of what I have purchased previously.
Then, Singapore price (RM189) is about 64% more expensive than Malaysia "only".
Thursday, 16 January 2014
Year 2013 - Micah Medical Bill (1 year old+)
In summary, year 2013 baby Micah total medical bill was S$1,666.
S$956 was paid by my company. S$552 was reimbursed from Tokio Marine travel insurance.
In short, we paid S$158 for Micah medical bill out from our pocket in year 2013.
S$956 was paid by my company. S$552 was reimbursed from Tokio Marine travel insurance.
In short, we paid S$158 for Micah medical bill out from our pocket in year 2013.
| Date | Cost | Items | Remark: |
| 18-Jan-13 | $ 498.60 | V_Prevenar 13 ($192) (GSK) Infanrix-Hexa + Procedure ($155) (GSK) Rotarix + Procedure ($99) Paracetamol/Axcel 120MG/5ML (for fever >37.5C) ($5) Development Assessment ($15) Remark: CDA payment | Kidslink Children's Clinic (Paediatric) Dr. Lim Woan Huah |
| 17-Mar-13 | $ 88.04 | Vaccination at Klang (RM220 = S$88.04) | Dr. Tang at Klang |
| 24-Mar-13 | $ 76.93 | Doctor visit at Klang (RM190 = S$76.93) | Dr. Tang at Klang |
| 28-Mar-13 | $ 32.12 | Doctor visit at Klang (RM80 = S$32.12) | Dr. Tang at Klang |
| 17-Apr-13 | $ 22.39 | Doctor visit at Klang (RM55 = S$22.39) | Dr. Tang at Klang |
| 29-Apr-13 | $ 89.76 | Vaccination at Klang (RM220 = S$89.76) | Dr. Tang at Klang |
| 22-Aug-13 | $ 92.10 | Ilidain 0.025% (Oxy-nase) ($7) Rhiniramine Syp-2MG/5ML ($6.55) Vasican Syr 4MG/5ML 60 ML ($6.55) Sinomarin Nasal Spray ($15) Paracetamol/Axcel 250MG/5ML (for fever >37.5C) ($6) Consultation ($45) Remark: CDA payment | Kidslink Children's Clinic (Paediatric) Dr. Heng Joo Teck |
| 4-Sep-13 | $ 35.40 | Sinomarin Nasal Spray ($15) Rhiniramine (Running Nose) Syp-2MG/5ML ($6.55) Vasican (Cough) Syr 4MG/5ML 60 ML ($6.55) Prescription Fee ($5) - take medicine only Remark: CDA payment | Kidslink Children's Clinic (Paediatric) Dr. Heng Joo Teck |
| 10-Sep-13 | $ 79.80 | Vasican (Cough)Syr 4MG/5ML 60 ML ($6.55) Ventolin Syrup 2MG/5ML 60 ML ($7) Singulair 4MG Powder/Sacchet -7 pieces ($24.50) Rhiniramine (Running Nose) Syp-2MG/5ML ($6.55) Consultation ($30) Remark: CDA payment - Self paid (S$69.25) | Kidslink Children's Clinic (Paediatric) Dr. Heng Joo Teck |
| 27-Sep-13 | $ 96.10 | Densitin (Baby Nappy Rash) cream ($13) VSL#3 PROBIOTIC - 10 pieces ($17) SMECTA (DIOCTAHEDRAL SMECTITE) - 4 packs ($4.80) Vasican (Cough)Syr 4MG/5ML 60 ML ($6.55) Ventolin Syrup 2MG/5ML 60 ML ($7) Rhiniramine (Running Nose) Syp-2MG/5ML ($6.55) Consultation ($35) Remark: CDA payment- Self paid (full amount -S$96.10) | Kidslink Children's Clinic (Paediatric) Dr. Heng Joo Teck |
| 11-Oct-13 | $ 86.00 | Anti biotics, running nose, cough - new medicine | Anne's Baby and Child Clinic |
| 7-Nov-13 | $ 54.96 | Doctor visit at Penang (RM137.40 = S$54.96) | SIM Children & Child Clinic |
| 23-Nov-13 | $ 78.00 | Follow up - Penang trip | Anne's Baby and Child Clinic |
| 4-Dec-13 | $ 104.00 | Follow up - Penang trip | Anne's Baby and Child Clinic |
| 14-Dec-13 | $ 232.00 | Consultation ($39) Nebulisation ($21) Singulair ($52) Walesolone ($9) Optichamber ($50) Ventolin ($18) Flixotide($43) Remark: CDA payment -self paid (full amount) | Anne's Baby and Child Clinic |
Friday, 7 September 2012
Year 2012 - The Final Bill is out ...
Below are the full cost including, gynea visits, hospital charges + doctor fees for the 4 days 4 nights, as admitted at 7 pm September 2, check out at 11 am September 6, 2012 at Thomson Medical Centre.
Total is S$14,704.81.
Cost breakdown:
(1) Gynea visits: S$2,359.54
(2) Hospital charges: S$7,378.12
(3) Doctor charges:S$4,967.15
However, we are able to claim some medical cost from our companies, our CPF medical save accounts and also some cash rebate of 5% of S$4,000 maximum each, using two Standard Chartered Manhattan credit cards.
Hence, the total CASH paid is S$7,342.73. That is about 50% of the total cost.
In summary, if you are planning to have a baby at Thomson Medical Centre with 1 bedder, cessarean, with some miscl charges (unforeseen circumstances), you got to prepare to fork out close to S$15,000 (cash+CPF). At least that applies to us.
Anyway, it worths all the money when the baby is on your hands finally. Micah, mum and dad love you very much. :)
| Date | Cost | Items |
| 26-Jan-12 | $ 148.00 | First Born Incentive (FBI) membership fee |
| 26-Jan-12 | $ 266.41 | Consultation ($95) |
| Ultrasound-Obstetric ($70) | ||
| Urine Dipstrip ($13) | ||
| Blood Test: Antenatal Screen U+Rubella, etc. ($65) | ||
| Prenavit 30's ($6) | ||
| 17-Feb-12 | $ 393.85 | OSCAR+ FA Package P6 ($409) |
| FBI 10% discount ($-40.90) | ||
| 1-Mar-12 | $ 812.67 | Antenatal Package - Single ($700) |
| Antenatal Package day 1 | ||
| Betasone 0.1% ($3.50) | ||
| Prenavit 30's ($6) | ||
| Dhaxtra Softgel 350MG 3O'S ($50) | ||
| 28-Mar-12 | $ 59.92 | Prenavit 30's ($6) |
| Dhaxtra Softgel 350MG 3O'S ($50) | ||
| Antenatal Package - Single Follow Up ($0) | ||
| Antenatal Package day 2 | ||
| 14-Apr-12 | $ 220.95 | 6 days classes ($229.44) |
| FBI 10% discount ($-22.94) | ||
| 24-Apr-12 | $ 65.27 | Prenavit 30's ($6) |
| Dhaxtra Softgel 350MG 3O'S ($55) | ||
| Antenatal Package - Single Follow Up ($0) | ||
| Antenatal Package day 3 | ||
| 22-May-12 | $ 102.72 | Blood Test: Oral Glucose Tolerance Test ($35) |
| Prenavit 30's ($6) | ||
| Dhaxtra Softgel 350MG 3O'S ($55) | ||
| Antenatal Package - Single Follow Up ($0) | ||
| Antenatal Package day 4 | ||
| 19-Jun-12 | $ 16.90 | Antenatal Package - Single Follow Up ($0) |
| Antenatal Package day 5 | ||
| Gyno-Travogen Ovule 600MG (Inserted) ($15.80) | ||
| 9-Jul-12 | $ 65.27 | Prenavit 30's ($6) |
| Dhaxtra Softgel 350MG 3O'S ($55) | ||
| Antenatal Package - Single Follow Up ($0) | ||
| Antenatal Package day 6 | ||
| 30-Jul-12 | $ 105.93 | Prenavit 30's ($6) |
| Dhaxtra Softgel 350MG 3O'S ($55) | ||
| Antenatal Package - Single Follow Up ($0) | ||
| Antenatal Package day 7 | ||
| Culture & Sensitivity- High Vaginal Swab test ($38) | ||
| $ 642.00 | Downpayment for Delivery ($600) | |
| 13-Aug-12 | $ - | Antenatal Package - Single Follow Up ($0) |
| Antenatal Package day 8 | ||
| 22-Aug-12 | $ - | Antenatal Package - Single Follow Up ($0) |
| Antenatal Package day 9 | ||
| 29-Aug-12 | $ 101.65 | Antenatal Package - Single Follow Up ($0) |
| Antenatal Package day 10 | ||
| CTG ($40) | ||
| Dhaxtra Softgel 350MG 3O'S ($55) | ||
| 6-Sep-12 | $ 11,703.27 | Thomson Medical Centre hospital + doctor fees |
| (CPF Medical Save account used S$6,112.08) | ||
| (Cash amount S$5,591.19) | ||
| Sub-Total: | $ 14,704.81 |
Total is S$14,704.81.
Cost breakdown:
(1) Gynea visits: S$2,359.54
(2) Hospital charges: S$7,378.12
(3) Doctor charges:S$4,967.15
However, we are able to claim some medical cost from our companies, our CPF medical save accounts and also some cash rebate of 5% of S$4,000 maximum each, using two Standard Chartered Manhattan credit cards.
Hence, the total CASH paid is S$7,342.73. That is about 50% of the total cost.
| Waiver: | |
| Karen (office) | $ 200.00 |
| James (office) | $ 650.00 |
| Karen & James (CPF) | $ 6,112.08 |
| SC $200 cash | $ 400.00 |
| $ 7,362.08 | |
| Cash: | $ 7,342.73 |
In summary, if you are planning to have a baby at Thomson Medical Centre with 1 bedder, cessarean, with some miscl charges (unforeseen circumstances), you got to prepare to fork out close to S$15,000 (cash+CPF). At least that applies to us.
Anyway, it worths all the money when the baby is on your hands finally. Micah, mum and dad love you very much. :)
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