Delivery fee for SPR

Hey! So for SPR deliveries, the good news is that yes, you can use CPF to offset a portion of the hospital bill, but most mums I know still end up paying some cash on top depending on the ward type and which hospital you go to. From what I understand, as an SPR your CPF contribution rates are lower in your 1st and 2nd year (something like 9% and 24% respectively under the graduated scheme), so the amount sitting in your Medisave may be less than what a full citizen has, which affects how much you can draw down. It is worth calling the hospital's billing counter directly to get an estimated breakdown, they can tell you exactly what the cash portion looks like after Medisave, so you are not caught off guard.