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Babies are the source of happiness of many people in the world, however, this is maybe not the case in Singapore as not many people can afford. Some of them approach banks and licensed money lenders such as Credit Excel Capital Pte Ltd – for financial help.

There is a decline in birth rate where in the year 2015, the birth rate was 1.4 much below required 2.1 for population replacement. The main reason for a decline in birth rate is the high cost incurred during pregnancy period, child upkeeping costs as well as education costs. This article will look at the pregnancy costs. Read on for you to understand the price of a pregnancy in Singapore.

Examinations and Check-ups costs

Examinations and checkups quickly become a way of life when you are pregnant. While it can sometimes feel like you are constantly being prodded and poked, these tests are an important way of monitoring your health, as well as your baby’s.Antenatal appointments are also an ideal opportunity to ask questions and share any concerns you might have along the way.After testing positive means that you are pregnant you are advised to go regularly for checkups.Those check-ups usually begin to take place from 6th – 8th week of pregnancy.Attending for all the checkups is very expensive. Total cost is around 8,000 dollar hence many Singaporeans can not afford Your midwife, or in some cases, your GP will be in charge of your week by week pregnancy care, which takes place either at your local doctor’s surgery or health centre, the hospital or during home visits.

So what pregnancy checkups can you expect to have during those all-important nine months? Here are the must-do tests you should be having:

Booking appointment:

This is your first appointment and takes place by ten weeks of pregnancy with either your GP or midwife. There are no tests at this point but it is a chance to take down your medical history and for you to be given week by week pregnancy information about nutrition, supplements, tips on keeping healthy and the screenings you will be having in the future. It is also an opportunity to ask any questions. It often helps to write down what you want to say in advance, as it is easy to forget once you’re there. Following this meeting, you will receive a date for your ultrasound scan and screening tests.

First antenatal check:

This will take place when you are between eight and 12 weeks pregnant, usually at the hospital or your local health centre. Here you will have a dating scan to confirm your due date and to check your baby’s heartbeat, whether you are having one or more babies and whether it is an ectopic pregnancy. In most parts of Singapore, you will also have a nuchal translucency scan which measures the fluid at the back of your baby’s neck to assess the risk of Down’s syndrome. A blood test will be taken to establish your blood group, rhesus status and to check for anaemia, rubella, syphilis, hepatitis B and HIV (with your permission). Blood pressure and weigh-ins will be regular pregnancy checkups every time you have an appointment.

20-week scan:

Between 18 and 20 weeks, you will be offered another scan, this time to check that your baby is developing properly. From 16 weeks you will be able to hear the baby’s heartbeat using a handheld heart monitor, although this is no longer part of the routine antenatal appointments.

20 weeks onwards:

Your antenatal appointments will become more regular now. These visits, usually with your midwife, will include a urine test to detect the presence of protein (an early sign of pre-eclampsia or a urinary tract infection), blood pressure and weight checks, measurement of your bump to monitor baby’s growth, and a feel of your abdomen to check your little one’s position. You can listen to the heartbeat if you would like to.

Other Female Medical Needs

Aside from medical needs that come with pregnancy, women also need to go to clinics, hospitals and even plastic surgery centres, not usually for beauty reasons but also for health reasons. A number of treatments would include breast exams, vaginal rejuvenation, different vaccine shots and a regular physical exam to avoid any future health problems

How to Hire Childcare Provider Now

If you want to make the right choice, you should take the time to talk about a few things. One of the first should be why did that person want to be a nanny in the first place. They are loud, they do not appreciate anything you do for them and they usually treat you awfully. Nannies are the ones that choose this line of work because they love kids.

The impact on your family is a lot more significant than you imagine when you hire childcare provider. It happens because that person is going to live in the house with you all the time and it will be like adding a new member to the family. If you want to enjoy your experiences as best as it can be done, you must be sure it is the right person for it.

This is a very important aspect since you will share quite a few moments of your life with that person. Since you will be one big happy family, you will share your meals together, you will travel together and many other things like that. If you hire someone from another country, will they be able to do all those things without making it awkward?

The procedures you have to go through are a lot more complicated than you imagine and it can take months before you are able to get it done. Since you have no experience with this, you should look for all the help you can get. It is important to go through with the interview to hire the right person, but the team at can assist you with any documentation you will need as well. This will make things a lot easier for you in the end.

Good Decisions & Pregnancy Insurance

When comparing the cost of a regular health insurance policy and one that includes benefits to cover OB/GYN visits, prenatal care, and hospital birthing and aftercare costs you will find that the former tend to cost much less than the latter. When you want to be covered for a life event such as pregnancy, you might find that your policy will all of a sudden cost up to 400% more per month than it used to.

Adding and Dropping Maternity Coverage – When to Do It?

It would be ideal if you could add maternity coverage a day before you conceive and then drop it immediately following your final post-partum visit. The reality is, however, that this scenario isn’t available and that you will be considered as having a pre-existing condition if you have an unplanned pregnancy or you get pregnant as planned without first considering insurance to cover it.

Pregnancy Can Be a Pre-existing Condition

As mentioned, pregnancy insurance cannot be added or dropped whenever you want to since it will be considered a pre-existing condition if you don’t yet have insurance or you get pregnant prior to the end of the waiting time for coverage to become effective. This means you can’t move to a plan that covers maternity after the fact and you can’t add it to your current plan after the fact.

You might think that dropping maternity coverage from your plan because you don’t want to pay for it for a year or two before you get pregnant is a good money saver, but if you wind up pregnant before that waiting period is up you will be denied coverage by most private insurers.

Strategies to Include Pregnancy Insurance

If you want to cut costs on health insurance and you plan on having children in the near to near-distant future, it would be a good idea for a woman to get separate insurance from her husband or partner. Family plans cost less for everyone after the fact, but when it comes to maternity coverage add-ons it is often less expensive for the woman to carry a separate policy.

So, the best strategy for pregnancy insurance is, in a nutshell, to have a separate policy in place for mother and future child at least one year (the usual waiting period, you’ll need to check with the insurer because it can go as high as 18 months) before conceiving.

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