Children’s healthcare in Singapore

Singapore boasts a world-class healthcare system – so much so that it has been ranked one of Southeast Asia’s best. This also extends to children: the country has an extremely low child mortality rate, with only a handful of other countries in the world surpassing it.

The Singaporean government takes a hands-on approach to children’s healthcare, providing parents with plenty of guidance. While it tends to focus on the well-being of Singaporean citizens, expats can also benefit from its excellent healthcare system. Read on to explore the following topics:

Children’s healthcare in Singapore

When a child is born in Singapore, the birthing center will usually assign them a pediatrician. This doctor will be available to look after them until their teenage years. However, patients are under no obligation to stick with them if they wish to switch medical professionals. Some parents prefer to go to a family doctor instead.

While this option is more affordable, a regular doctor might not be too familiar with children’s specific needs and may not be able to diagnose certain conditions. Alternatively, parents can also switch to a different pediatrician altogether.

Children in Singapore generally have positive health outcomes. However, like other economically advanced countries, it has seen a sharp increase in obesity rates in recent years. Only 56% of children in Singapore have a healthy diet (as of 2021), while around 40% hit global targets for physical activity.

To combat this growing problem, the government is considering strategies such as overhauling school lunches and replacing them with healthier options.

How do you access healthcare for your children in Singapore?

Singapore provides a great deal of subsidies and public insurance plans for citizens and permanent residents. However, expats are generally left to fend for themselves.

This means it’s a very good idea to have private health insurance that covers both you and your children. Many companies provide health insurance for internationals working in the country, which oftentimes includes coverage for kids.

Managing healthcare payments as an expat

One practical consideration for expat families is managing healthcare payments in Singapore dollars. Whether you’re paying insurance premiums, covering out-of-pocket medical expenses, or settling bills at private clinics, you’ll need SGD on hand.

Many expats are paid in their home currency or maintain savings abroad, which means converting money to pay for healthcare costs in Singapore.

Services like Wise offer an alternative by using the mid-market exchange rate for currency conversion, which can help expat families manage healthcare costs more efficiently. With a multi-currency account, you can hold SGD alongside other currencies and convert money when rates are favorable. This can be particularly useful for families with ongoing medical expenses or those planning for larger healthcare costs.

Public healthcare for children

The quality of Singapore’s public healthcare system is extremely high, however, it does pose a challenge for internationals without permanent residence who must must pay their own way.

Singapore General Hospital shows how the outpatient fee tiers work on its website and that expats must pay significantly more. Local polyclinics offer lower prices for children, however, these only apply to citizens.

For expat families paying these higher fees out-of-pocket, managing costs efficiently becomes important—particularly if you’re converting from another currency to pay for healthcare in Singapore.

Aside from fees, there is nothing to stop expats in Singapore from accessing public healthcare for their children, since there is no registration or enrollment process.

Many locals prefer to attend polyclinics, which are large, one-stop facilities for all kinds of primary care needs. The wait times are longer than in the private system, but you’ll find doctors, dentists, pediatricians, and pharmacies all under one roof.

Moreover, parents can benefit from using HealthHub, Singapore’s online public healthcare platform. Resources include the Child Health Booklet – a useful record of your child’s development from birth to five years old.

It also offers advice on mental well-being and healthy eating for both kids and parents. If you have a Singpass – the Singaporean national digital ID – you’ll be able to access your child’s medical records online through HealthHub.

Private healthcare for children

There’s not much difference in quality between the public and private children healthcare systems in Singapore. However, they do vary considerably when it comes to costs. Expats who want to go private will probably choose to take out health insurance or face hefty medical bills.

It’s common for employers in Singapore to offer family packages, which include medical coverage for the employee’s children, as well as school fees. If you don’t have one of these plans, you might want to take out private health insurance. Some companies offering this in Singapore are:

• Allianz Care
• Cigna Global
• FWD

Taking your child to the pediatrician in Singapore

When a child is born in Singapore, the hospital will assign you a pediatrician. It’s usually a lot cheaper to go to a GP, but some parents prefer to take their children to a specialist.

The Singapore Paediatric Society is the main professional body for pediatricians in Singapore. These doctors may work in hospitals, polyclinics, or specialist medical centers for children.

If you’re looking for a pediatrician near you, try using the government’s healthcare search tool. You might want to ask around, too, as local parents will have their personal recommendations.

Specialists perform childhood development screenings, a series of tests to check that little ones are meeting their health milestones. They do these through well-baby and well-child visits. While the government encourages these check-ups, they are not mandatory.

If you’d like to speak to a pediatrician online, you can have a virtual consultation through services such as Whitecoat.

Routine childhood health checkups

The Ministry of Health recommends health checkups for children at the following intervals ( in months):

• Two
• Three
• Four
• Five
• Six
• 12
• 15
• 18
• 30
• 48

This is part of the childhood development screening program. Doctors will check their young patients’ growth rates and physical health through well-child visits. During these tests, they will look for development in four specific areas:

• Fine motor skills
• Gross motor skills
• Language ability
• Personal-social skills

After 48 months, most pediatricians in Singapore will continue to offer well-child visits every year to check up on their patients’ development. From the age of six, that may drop to once every two years. Some doctors keep offering well-child visits until patients turn 18 and no longer require any form of pediatric care.

Singapore’s vaccination schedule for children

The only mandatory vaccinations in Singapore are measles and diphtheria. However, the Ministry of Health strongly recommends several other childhood inoculations. Generally, pediatricians will administer these shots when children are very young. Once they reach school age, jab roll-outs will usually take place at school.

The Ministry of Health recommends various vaccinations for children. The most popular are the following:

Vaccination	Prevents
BCG (at birth)	Tubercolosis
Hepatitis B (at birth)	Hepatitis B
DPT	Diphtheria, pertussis, and tetanus
MMR	Measles, mumps, and rubella

Although Singapore does not force parents to vaccinate their children against most diseases by law, uptake is still high, with over 95% of youngsters receiving their BCG, DPT, and MMR inoculations.

Taking your child to see a doctor or specialist in Singapore

You don’t need to register your child with a family doctor in Singapore. As a result, many parents prefer to take their children to polyclinics when necessary. This is typically a cheaper option than attending a clinician, particularly for Singaporean citizens and permanent residents.

Polyclinics operate on a first-come, first-served basis, so wait times can be high. Keep that in mind, as children can get restless in waiting rooms.

If you prefer to register your child with a doctor, you’ll first need to go to the clinic in person. Each center has different paperwork requirements, but in general, you will need to show the following documents:

• Any necessary health insurance forms
• Your child’s birth certificate
• Your ID

Most clinics will allow you to make appointments over the phone or online, whereas some use centralized systems such as the Health Buddy app.

Children’s hospitals in Singapore

If you need to take your child to the hospital, it’s important to check out the facility in advance. Some large institutions in Singapore, such as Singapore General Hospital, do not have facilities for children under 12 years. Others will see young patients but don’t necessarily have a child-friendly atmosphere to help little ones feel at ease.

The following hospitals have children-specific facilities:

• National University Hospital (NUH): Has a children’s emergency department which is open 24 hours a day. Like most critical care facilities, it has staff who assess patients on arrival and then treat them in order of need.
• Mount Elizabeth: A private hospital with a dedicated pediatric zone. The cheerful, child-friendly decor can be reassuring for nervous youngsters.
• KK Women and Children’s Hospital (KKH): Originally Singapore’s main maternity unit, this hospital hosts plenty of pediatric services today

In an emergency, dial 995 to call for an ambulance.

Children’s dental care in Singapore

The Ministry of Health recommends taking your child to the dentist for the first time when they are between 6 and 12 months old. As usual, prices for public healthcare vary for citizens, permanent residents, and expats.

Children can receive treatment at the following institutions:

• Public schools: Local schools offer dental treatment to their pupils
• Specialist centers: Facilities such as the National Dental Centre Singapore have pediatric units where children can benefit from a range of services
• Polyclinics: Some offer dental services. While medical patients can come to polyclinics as walk-ins, visiting the dentist is by appointment only.

Mental healthcare for children in Singapore

While Singapore is a world leader in many aspects of healthcare, its mental health treatment is still lagging. In 2023, the first-ever study of mental health in Singaporean teenagers took place, finding that one in three reported depression or anxiety.

If you think that your child needs to see a psychiatrist, then ask your general doctor or pediatrician for a referral.

Additionally, several charities support vulnerable youngsters. The Children’s Charities Association of Singapore is an umbrella organization committed to helping children in different fields. It works with charities dedicated to mental health issues, deafness, intellectual disabilities, cerebral palsy, and other special needs.

There are also local charitable initiatives to help children and teenagers with their mental health. The Thye Hua Kwan Moral Society (THK) offers services including developmental aid, learning support, and therapy.

Furthermore, The Singapore Children’s Society has set up the Oasis for Minds program, which supports children and adolescents struggling with mental health issues. It offers counseling and care, as well as information for parents who may not understand what their children are going through.

Preventative healthcare programs for children in Singapore

The Singaporean government is very keen on preventative healthcare initiatives. In recent years, it has focused much of its efforts on the threat of childhood obesity. For example, the Integrated 24-Hour Activity Guidelines offer advice on the amount of exercise that children should do from infancy to the age of seven.

Additionally, the Healthy Meals in Schools program works with teachers, students, and cafeterias in institutions across the country to offer healthier choices at lunchtime.

Parents can find plenty of government guidance online at Parent Hub, part of HealthHub. The latter also offers plenty of tips to help children adopt a healthy, balanced diet. In addition, the state has also issued Guidance on Screen Use in Children (2023), which gives parents firm advice as to how many hours of screen time their young ones should have.

The authorities in the Lion City usually issue advice, rather than regulations; however, Singaporean culture tends to involve a lot of respect for the government. This can be seen in the way that, for example, nearly all locals give their children non-mandatory vaccinations.

Following the high levels of poor mental health reported in 2023, the Singaporean government is working to develop new schemes to address anxiety and depression in young people.

Conclusion

Singapore offers world-class healthcare for children, with excellent hospitals, skilled pediatricians, and comprehensive preventative programs. While the quality of care is outstanding, expat families should be prepared for higher costs compared to Singaporean citizens and permanent residents.

Planning ahead is key: securing appropriate health insurance, understanding the difference between public and private healthcare options, and knowing where to access pediatric services will help ensure your children receive the care they need. Managing finances across currencies is also part of expat life—tools like Wise can help simplify money management when you need to convert funds for healthcare expenses.

With the right preparation and resources, you can navigate Singapore’s healthcare system confidently and keep your children healthy and thriving in the Lion City.

Frequently Asked Questions

How much does children’s healthcare cost for expats in Singapore?

Healthcare costs for expat children in Singapore vary significantly depending on whether you use public or private facilities. At public hospitals and polyclinics, expats typically pay 2-3 times more than Singaporean citizens for the same services. For example, a standard consultation at a polyclinic might cost citizens SGD $18-38, while expats pay SGD $70-90.

Private healthcare is more expensive but offers shorter wait times and more flexibility. A pediatric consultation at a private clinic typically costs SGD $50-150, while specialist visits can range from SGD $100-300 or more. Emergency room visits, hospitalization, and procedures can quickly reach thousands of dollars.

Most expat families rely on private health insurance to manage these costs, though you’ll still likely have co-pays and deductibles to cover.

Do I need private health insurance for my children in Singapore?

While not legally required, private health insurance is highly recommended for expat families in Singapore. Without insurance, you’ll be responsible for paying the full, unsubsidized cost of medical care—which can be substantial, especially in case of emergencies, hospitalizations, or specialist care.

Many employers provide health insurance as part of expat packages, often covering dependents including children. If your employer doesn’t offer coverage, it’s worth investing in a comprehensive international or local health insurance plan.

Even with insurance, you may have out-of-pocket costs like deductibles, co-pays, or services that aren’t fully covered (such as certain dental or mental health treatments), so it’s important to understand your policy details.

What payment methods are accepted at Singapore hospitals and clinics?

Most hospitals and clinics in Singapore accept a variety of payment methods, including:

• Cash (Singapore dollars)
• Credit and debit cards (Visa, Mastercard, American Express)
• NETS (local debit system)
• Bank transfers and GIRO for insurance claims or payment plans
• Mobile payment apps like PayNow, GrabPay, or other e-wallets

Private facilities may offer more payment flexibility, including installment plans for larger bills. Public hospitals and polyclinics typically require payment at the time of service or shortly thereafter.

If you have insurance, many providers offer direct billing (cashless) arrangements with certain hospitals and clinics, though you may still need to pay upfront and file for reimbursement later depending on your policy.

How can I manage healthcare costs in Singapore if I’m paid in a different currency?

Managing healthcare costs across currencies is a common challenge for expats. If you’re paid in your home currency but need to cover medical expenses in Singapore dollars, currency conversion fees can add up quickly—especially with recurring costs like insurance premiums or regular pediatric appointments.

Banks in Singapore sometimes charge 3-5% in fees and exchange rate markups when converting foreign currencies to SGD. Over time, these costs can become significant. For example, converting $1,000 USD monthly for healthcare expenses could cost you an extra $30-50 each time with typical bank rates.

Expat families can consider to use services like Wise to reduce these conversion costs. Wise uses the mid-market exchange rate. You can hold multiple currencies in one account and convert money when you need it, which is useful for budgeting healthcare expenses. For full pricing details, visit Wise’s pricing page.

Other strategies include:

• Opening a local SGD bank account and converting larger amounts less frequently to minimize transaction fees
• Using credit cards with low or no foreign transaction fees (though watch out for dynamic currency conversion at point of sale)
• Budgeting for currency fluctuations when planning healthcare expenses

Can I use my home country health insurance in Singapore?

Whether you can use your home country health insurance in Singapore depends entirely on your policy. Some international health insurance plans offer global coverage that includes Singapore, while others are limited to your home country or specific regions.

Key considerations:

• Coverage area: Check if Singapore is included in your policy’s coverage network
• Direct billing vs. reimbursement: Most foreign insurers don’t have direct billing arrangements with Singapore healthcare providers, meaning you’ll need to pay upfront and file for reimbursement later
• Documentation: You’ll need to keep all receipts, medical reports, and invoices to submit claims
• Currency and conversion: Claims may be paid in your home currency, and exchange rates at the time of reimbursement could differ from when you paid

If you’re planning to stay in Singapore long-term, it’s often more practical to secure local or international health insurance that’s designed for expats, as these policies typically have established networks and processes in Singapore’s healthcare system.

Useful resources

• HealthHub – Singapore’s online public healthcare platform with advice on children’s physical and mental health
• Ministry of Health – official government website with healthcare fees, with information on vaccines and health initiatives for children in Singapore
• Parent Hub – portal with government-endorsed advice for parents raising children and teenagers in Singapore
• Global Health Security Index (GHSI) – Singapore’s healthcare system ranking in Southeast Asia
• MOH Statistics – data about Singapore’s low infant mortality rates
• World Bank – data on global infant mortality rates