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.

 

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.

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.

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!



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".



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.

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

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.

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. :)