Singapore’s multicultural society observes various funeral practices, including Buddhist, Taoist, Christian, Catholic, Hindu, and Muslim funerals. Each tradition carries its unique rituals, affecting the overall cost and structure of the funeral services.
Planning a funeral involves various steps and decisions. Here’s a complete guide to assist you through this process:
- Preparation for Unexpected Demise: How to prepare yourself and family members emotionally and logistically.
- Steps to Take When Someone Passes Away: Immediate actions to initiate, including paperwork and notifying family and services.
- Checklist of Funeral and Wake Decisions: All essential aspects to consider for the ceremony, from venue to specific arrangements.
- Cost Breakdown of a Funeral Service in Singapore: Detailed expenses involved in a standard funeral service.
- Rates for Placing an Obituary: Typical costs for publishing an obituary.
- Directory of Funeral Directors: Contact information of reputable funeral service providers in Singapore.
Key Preparatory Steps Before the Loss
Consider these five key steps to effectively prepare for end-of-life arrangements:
- Choosing a Funeral Director: Select a professional who can handle all aspects of the ceremony. Funeral Directors manage details like casket choice, venue arrangements, scheduling, and coordinating with various service providers. Costs generally range from $4,000 to $8,000, depending on the services.
- Setting Wake Details: After choosing a Funeral Director, discuss key details such as budget, religious preferences, and specific requests for the wake or funeral. Deciding on the venue, flowers, and attire beforehand can relieve family stress.
- Writing a Will: A legally binding will ensures your assets are distributed according to your wishes. A valid will must be written, signed, and witnessed by two non-beneficiary witnesses over the age of 21. If a lawyer assists with drafting, costs typically range from $200 to $500.
- Making CPF Nominations: Central Provident Fund (CPF) nominations determine the distribution of your CPF savings, which are not covered by a will. Ensuring this is updated simplifies financial matters for your family.
- Discussing Plans with Family: Open communication ensures that your family understands and respects your final wishes, reducing confusion and distress.
Choosing the Right Funeral Director
Selecting a qualified Funeral Director is critical for ensuring that all arrangements align with your preferences. Their responsibilities typically include:
- Meeting with Family Members: To discuss and finalise details of the service.
- Coordinating Service Providers: This includes clergy, florists, and musicians.
- Arranging Venue and Timing: Scheduling and managing all necessary venues for the wake and ceremony.
Consider factors such as cost, type of service (religious or secular), reputation, and range of services offered before making a decision. Costs for engaging a Funeral Director in Singapore generally fall between $4,000 and $8,000.
A Summary of Funeral Costs in Singapore
Understanding the various expenses involved in a funeral can help you plan effectively. Here’s a breakdown of potential costs:
- Funeral Service: $4,000 – $11,000
- Funeral Director’s Fees: $4,000 – $8,000
- Obituary Placement: Rates vary based on publication
- Will Drafting (Optional): $200 – $500 for legal assistance
With careful planning and transparency with your family, a dignified yet cost-effective funeral is achievable in Singapore.
2. Funeral Service Packages
In Singapore, the cost of a funeral service can range from $4,000 to $11,000. Given the cultural and procedural requirements, the entire process often needs to be conducted within hours after death, adding urgency and sometimes complexity.
Having a professional Funeral Director can make the planning and execution of a loved one’s final journey smoother and less stressful.
- Casket: Options range from simple wooden caskets (from SGD 500) to more elaborate designs (up to SGD 5,000 and beyond).
- Venue: Rental costs for spaces at funeral parlours can vary between SGD 300 to SGD 1,200 per day.
- Professional Services: This includes embalming, makeup, and a funeral director’s services, costing between SGD 1,500 and SGD 3,000.
- Setup and Decorations: Including backdrops, photo enlargements, and floral arrangements, with prices ranging from SGD 800 to SGD 3,000.
Steps to Arrange a Funeral in Singapore
Arranging a funeral involves various logistical and financial considerations, from registering the death to selecting a casket. Here’s a step-by-step guide to help you navigate the process in Singapore.
1. Register the Death
The first essential step is to register the death to obtain a Certificate of Cause of Death (COD), a document required for legal matters such as closing bank accounts, claiming insurance, and transferring utility accounts.
Certificate of Cause of Death Costs
- In Hospitals: Provided at no charge.
- At Home: Requires a doctor’s house call, costing S$200 to S$300.
- Autopsy Costs:
- Ordered by Coroner: No charge.
- Coroner’s Report: S$160.50.
- Private Autopsy: S$5,860.60, plus S$165.85 for storage from the third day onward.
Obtaining the COD
If death occurs in a hospital, the COD will be issued at no cost. However, for deaths at home, you’ll need to engage a doctor to certify the death, which may incur a fee. Autopsies are generally not performed unless required under the Coroner’s Act. If a private autopsy is needed, expect an additional fee.
2. Hold a Funeral Service
The next step is to arrange a funeral wake or memorial service to allow family, friends, and acquaintances to pay their final respects.
Key Considerations
The overall cost will depend on the type of ceremony, its duration, and the choice of casket.
Funeral Service and Casket Costs
| Item | Cost |
|---|---|
| Memorial Ceremony (3-day) | |
| Buddhist | S$3,800 – S$10,000 |
| Taoist | S$3,800 – S$10,000 |
| Christian | S$3,800 – S$8,500 |
| Catholic | S$3,800 – S$8,500 |
| Secular/Non-religious | S$1,300 – S$7,500 |
| Casket Options | |
| Lightwoods (e.g., pine) | S$700 – S$1,000 |
| Hardwoods (e.g., mahogany) | S$2,000 – S$10,000 |
| Eco-caskets | S$1,000 |
Types of Funeral Services
A traditional three-day memorial service is common, though families can choose the duration of the wake. If the service exceeds seven days, National Environment Agency (NEA) approval is required. The ceremony’s cost will vary based on the religious rites and customs followed:
- Buddhist and Taoist funerals often include more rituals and elements, making them more expensive.
- Christian and Catholic services tend to be simpler and less costly.
- Non-traditional secular services are available as a budget-friendly alternative and may be preferable for non-religious families.
Memorial Service Packages
Many memorial packages, priced up to S$10,000, cover essential funeral arrangements, including:
- Casket selection
- Tentage, table, and chair rentals
- Refreshments and meals
- Worship goods and decor
- Hearse service
- Framed portrait of the deceased
- Mobile toilet facilities
- Religious or secular officiants
Choosing a Casket
Caskets often come included in memorial packages, but you may opt to select a different one based on preference or budget. Lightwood caskets, such as pine or veneer, are the more economical choice, ranging from S$700 to S$1,000. They offer durability but are simple in appearance.
In contrast, hardwood caskets (e.g., mahogany or cherry oak) are chosen for their elegance and rich finish, providing a dignified appearance. However, these caskets are costlier, ranging from S$2,000 to S$10,000 or more. Eco-friendly options made of recycled materials are also available at around S$1,000.
Many people today are choosing eco-friendly coffins made from recycled paper rather than traditional wood. These coffins, designed to be gentle on the earth, are priced similarly to lightwood caskets, making them an affordable and environmentally conscious choice.
3. Final Send-Off Options
After the memorial ceremony, families decide on a final send-off for the deceased, choosing from burial, cremation, sea scattering of ashes, or eco-burial options.
Send-Off Options and Costs
| Type | Cost Range |
|---|---|
| Burial | S$315 (for Muslim, Bahai, Parsi, Jewish) S$940 (for others) |
| Cremation | S$100 (government) S$300 – S$400 (private) |
| Sea Sprinkling | S$100 – S$800, depending on the ceremony |
| Eco-Urn Burial | S$175 (tree replanting) |
Burial
Singapore regulations permit crypt burials for specific religious communities (Muslim, Bahai, Parsi, and Jewish) at a cost of S$315. For all others, burial costs rise to approximately S$940. Only crypt burials retain the full body, as all other forms of interment require prior cremation.
Cremation
Singapore has four venues licensed for cremation, including two government-run facilities and two private (Kong Meng San and See Toh Aum). Government cremations cost S$100, while private facilities may charge up to S$400.
For those who wish to have their ashes scattered at sea, marine burials are available, adding several hundred dollars to the budget depending on the service’s extent.
Eco-Burial (Tree Replanting)
An alternative to traditional burials, eco-burials involve placing ashes in a biodegradable urn with tree seeds. This urn is buried in a designated area, allowing a tree to grow as a living tribute to the deceased. This option is available for approximately S$175.
4. Remembering the Deceased
For families who prefer not to scatter ashes or opt for eco-burial, there are various ways to memorialise a loved one, such as columbariums, obituaries, and keepsakes.
Options for Memorialisation
| Item | Cost Range |
|---|---|
| Columbarium | Marble Plaque: S$1,000+ Urn: S$200 – S$300 |
| Niche | Government: S$500 (single), S$900 (family) Private: S$1,100+ (single) |
| Obituary | Print: S$20 – S$63 per column cm Online: S$250 per year |
| Keepsakes | Ash Lockets: From S$250 Eternity Gemstones: From S$1,700 Memorial Diamonds: S$4,588 – S$6,399 |
Columbarium
Families may choose a columbarium niche to hold the urn of their loved one. Government-managed columbariums offer the most affordable niches, with a single niche costing S$500 and a family niche at S$900. Private columbarium options start from S$1,100 for a single niche. Many families also opt for a marble plaque to display the deceased’s name and photo, akin to a gravestone in miniature.
Obituary
Publishing an obituary is a customary way to honour the deceased and inform distant relatives and friends. Printed obituaries in Singaporean newspapers range from S$20 to S$63 per column centimetre, with additional charges for colour. An online obituary is also an option at S$250 per year.
Keepsakes
For those who wish to keep a tangible connection, it’s possible to place a small portion of your loved one’s ashes in a sealed locket for wearing or safekeeping. Alternatively, for a more luxurious tribute, ashes can be transformed into man-made gemstones or even memorial diamonds—a lasting and personal homage to the deceased.
Memorial Diamonds: Created from ashes, these diamonds range from S$4,588 (uncut) to S$6,399 (cut and polished).
Ash Lockets: From S$250, these lockets allow you to carry a small portion of ashes.
Eternity Gemstones: Starting at S$1,700, ashes can be transformed into gemstones.
5. Other Related Legal and Administrative Costs
Beyond funeral arrangements, additional legal and administrative matters require attention. Here are some of the common expenses:
| Item | Cost Range |
|---|---|
| Will | S$300 – S$1,000 |
| Lasting Power of Attorney | S$75 – S$200 (excludes legal and medical expenses) |
| Advanced Medical Directive | S$40 |
Drawing Up a Will
Creating a will is a critical step in ensuring your estate is managed according to your wishes. While it may be tempting to draft a will independently, engaging a lawyer is recommended to ensure the document is clear, comprehensive, and legally binding. Costs for a professionally drafted will range from S$300 to S$1,000.
Lasting Power of Attorney (LPA)
An LPA allows a trusted individual to make decisions on your behalf if you become unable to do so. This document protects your assets and ensures they are managed responsibly. The basic legal expenses for setting up an LPA range from S$75 to S$200.
Advanced Medical Directive (AMD)
An Advanced Medical Directive (AMD) is a legal document that allows individuals to express their preferences about medical treatments in the event they become terminally ill, unconscious, or unable to communicate their wishes.
Often referred to as a “living will,” this directive empowers individuals to decline life-prolonging treatments or surgeries, allowing for a more dignified and cost-effective end-of-life care.
The AMD can be crucial in reducing the emotional and financial burden on family members by clearly outlining the medical interventions (or lack thereof) desired by the individual. The cost to register an AMD is S$40.
Why an Advanced Medical Directive Matters
Creating an AMD can relieve families from facing the substantial financial impact that can arise from prolonged hospital stays or life-sustaining treatments. By making one’s preferences known, an AMD can protect families from the difficult decisions and potential expenses associated with life-supporting measures when there is no reasonable hope of recovery.
Funeral Costs in Singapore: A Breakdown
Holding a funeral in Singapore can range widely, depending on the type of service, specific requests, and any added extras chosen. Below is a breakdown of common funeral-related expenses in Singapore:
| Item | Cost (SGD) |
|---|---|
| Certificate of Cause of Death | S$200 to S$300 |
| Autopsy | S$5,860.60 (process), S$165.85/day (storage from 3rd day), S$160.50 (report) |
| Memorial Service (3-day) | Religious: S$3,800 to S$10,000 Non-religious: S$1,700 to S$7,500 |
| Casket | Light woods: S$700 to S$1,000 Hardwoods: S$2,000 to S$10,000 Eco-casket: S$1,000 |
| Burial | Muslim, Bahai, Parsi, or Jewish: S$315 Other religions: S$940 |
| Cremation | S$100 to S$800, depending on ceremony |
| Columbarium (Ashes Storage) | S$1,700 to S$2,400 |
| Obituary | Up to S$250 |
| Keepsakes | S$250 to S$6,400 |
| Legal Concerns (Will, Power of Attorney) | S$400 to S$1,300 |
| Total Estimated Cost | S$5,100 to S$39,000 |
In total, a modest funeral service in Singapore might cost around S$5,100, while an elaborate ceremony with custom elements could reach up to S$40,000.
Tips for Managing Funeral Expenses
To keep funeral costs within budget, consider exploring various funeral service packages online. Many companies provide flexible packages that cater to different preferences and financial capacities. It is also possible to customise these packages based on specific religious, cultural, or personal preferences, allowing families to create meaningful services without overspending.
Cost-Saving Options
- Government Facilities: Government-provided services, such as cremation and ash storage, are often more affordable than those offered by private funeral homes.
- Eco-Friendly Options: Opting for sustainable choices, like eco-caskets made from recycled materials or green burials where ashes are planted to grow a tree, can be cost-effective and environmentally considerate.
Considering these factors can help families manage the costs of a funeral while ensuring a respectful, personalised farewell.
