Maternity Insurance

AIA Mum2Baby Choices: Comprehensive Protection for Expectant Mothers and Newborns

When you're expecting a child or growing your family, ensuring the best possible start for your little one becomes a top priority. That's where AIA Mum2Baby Choices comes in - a unique suite of prenatal insurance plans designed to provide comprehensive protection for both mother and child from as early as the 13th week of pregnancy . Let's dive into the details of this innovative insurance product and explore how it can benefit you and your growing family.

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What is AIA Mum2Baby Choices?

AIA Mum2Baby Choices is a comprehensive insurance package that offers protection for expectant mothers and their unborn children, extending coverage even after birth. What sets this plan apart is its early coverage, starting from the 13th week of pregnancy , and its flexibility to transfer the base plan and applicable riders to your child within 60 days from birth, with no medical questions asked .

Key Features That Make AIA Mum2Baby Choices Stand Out

Early Coverage

Protection begins from the 13th week of pregnancy.

Inclusive Coverage

Covers babies conceived via IVF, IUI, ICI, and ICSI.

Flexible Options

Two bundle choices to suit different needs and preferences.

Guaranteed Lifelong Protection

Offers lifelong coverage for your child.

Easy Transfer

Ability to transfer the plan to your child within 60 days of birth without medical questions.

Real premiums suggested for AIA Mum2Baby Choices

24, Female making $7,333.333 a month

Coverage:
cdl treatment
policy year limit
$1,500,000
Premium:
$217.01
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Bundle Options

Both options offer coverage amounts of S$5,000, S$10,000, or S$25,000.

AIA Mum2Baby Protect

A participating whole life plan that offers boosted protection and provides stable cash value that accumulates over time. Base Plan: AIA Guaranteed Protect Plus (III) (Whole Life Plan). Prenatal Rider: AIA Baby Protect Plus (II).

AIA Mum2Baby

An investment-linked plan that bolsters protection during early years and allows maximization of investments in later years. Base Plan: AIA Pro Lifetime Protector (II) (Investment-Linked Plan). Prenatal Rider: AIA Baby Protector (II).

Comprehensive Benefits

AIA Mum2Baby Choices provides an extensive range of benefits for both mother and child:

1. Death Benefit for Mother

2. Pregnancy Complications Coverage

3. Childbirth Medical Negligence Benefit

4. Congenital Illnesses Coverage

5. Hospital Care Benefit for Baby (Up to 30 Days)

6. Hospital Care Benefit for Mother (Up to 30 Days)

7. Major Hospitalisation Care Benefit for Mother

8. Pregnancy Complications Hospital Care Benefit for Mother (Up to 30 days)

Key Benefit Details

Childbirth Medical Negligence Benefit

If the mother or child unfortunately passes away due to medical negligence during childbirth in Singapore or Malaysia, this benefit pays out 100% of the coverage amount , in addition to the Death Benefit for the mother.

Hospital Care Benefit

Depending on your chosen coverage amount, you can receive S$100, S$200, or S$500 per day for up to 30 days of hospitalization for both mother and child.

Major Hospitalisation Care Benefit

If the mother is hospitalized continuously for more than 30 days or at least 5 days in ICU, this benefit pays out 100% of the coverage amount after deducting any payout under the Hospital Care Benefit for the mother.

Pregnancy Complications Coverage

The plan covers a wide range of pregnancy complications, including:

1. Abruptio Placentae

2. Amniotic Fluid Embolism

3. Choriocarcinoma and Malignant Hydatidiform Mole

4. Disseminated Intravascular Coagulation

5. Fatty Liver of Pregnancy

6. Gestational Diabetes resulting in Foetal Macrosomia and Neonatal Hypoglycaemia

7. HELLP Syndrome

8. Miscarriage due to Accident

9. Placenta Increta / Percreta

10. Postpartum Haemorrhage requiring Hysterectomy

11. Pre-Eclampsia or Eclampsia

12. Still birth

13. Uterine Rupture

14. Vasa Previa

Congenital Illnesses Coverage

The plan covers an extensive list of 25 congenital illnesses, including:

1. Absence of Two Limbs

2. Anal Atresia

3. Atrial Septal Defect

4. Biliary Atresia

5. Cerebral Palsy

6. Cleft Palate / Cleft Lip

7. Club Foot

8. Coarctation of Aorta

9. Congenital Blindness

10. Congenital Cataract

11. Congenital Deafness

12. Down's Syndrome

13. Spina Bifida

14. Tetralogy Fallot

15. Ventricular Septal Defect

Hospital Care Benefit for Baby

This benefit covers various scenarios, including:

1. Admission into ICU / HDU

2. Incubation of a newborn child (more than 3 consecutive days)

3. Infectious diseases (e.g., Avian Influenza, Dengue fever, MERS-CoV, SARS, Zika fever)

4. Inpatient hospitalization due to Hand, Foot and Mouth Disease

5. Phototherapy or blood transfusion for severe neonatal jaundice

6. Premature birth requiring neonatal ICU / HDU

Real-Life Scenarios

Pregnancy Complication

If you develop pre-eclampsia during your pregnancy, you'd be covered for the medical expenses related to this complication, receive daily hospital care benefits if hospitalization is required, and be eligible for the Major Hospitalisation Care Benefit in case of extended hospitalization.

Congenital Illness

If your baby is born with a congenital heart defect like Atrial Septal Defect, the plan would provide coverage for the necessary treatments. If your baby needs to stay in the NICU, you'd receive the Hospital Care Benefit for the baby.

Postnatal Complication

In the unfortunate event of postpartum hemorrhage requiring hospitalization, you'd be covered under the Pregnancy Complications Hospital Care Benefit. If hysterectomy is required, you'd receive additional coverage under the specific benefit for this condition.

Pros and Cons

Pros

  • Early coverage from 13th week of pregnancy

  • Comprehensive protection for both mother and child

  • Covers a wide range of pregnancy complications and congenital illnesses

  • Flexible options to suit different needs (protection-focused or investment-linked)

  • Easy transfer of policy to child without medical questions

Cons

  • Limited to two bundle options

  • Coverage amounts may not be sufficient for all medical scenarios

  • Premiums may be higher compared to standard life insurance policies

Frequently Asked Questions

Can I get this plan if I'm already pregnant?

Yes, as long as you're not beyond the 13th week of pregnancy.

What happens if I have twins or multiples?

You should discuss this scenario with your AIA Financial Services Consultant to understand how the coverage would apply.

Can I change my coverage amount after purchasing the plan?

This would depend on the specific terms of the policy. Consult with your AIA representative for details.

Is the plan transferable to my child if born overseas?

The plan is designed for births in Singapore. For overseas births, you should check with AIA for specific terms and conditions.

What if I miscarry or have a stillbirth?

The plan includes coverage for miscarriage due to accident and stillbirth. Refer to the policy details for specific terms.

Conclusion

AIA Mum2Baby Choices offers a unique and comprehensive solution for expectant parents looking to secure protection for both mother and child from pregnancy through early childhood. With its early coverage, extensive benefits, and flexibility, it provides peace of mind during a crucial life stage. However, as with any insurance decision, it's important to carefully consider your personal needs, financial situation, and long-term family plans before making a choice.

Remember, the best insurance plan is one that fits your specific circumstances and provides the protection you need when you need it most. If you're considering AIA Mum2Baby Choices or any other prenatal insurance plan, it's wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.

Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on prenatal and child insurance plans . These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision for your growing family.

By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your family's future. Don't leave your family's protection to chance – get the expert advice you deserve today.

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Why people were suggested AIA Mum2Baby Choices

Nadiah
Nadiah, 24
GenderFemale
Monthly Income$7,333.333
Insurance Types Suggested
  • Hospital
  • Personal Accident
  • Critical Illness
  • Term Life
Why Hospitalization Plan A was suggested:
This hospitalization plan provides private hospital coverage with a policy year limit of $1,500,000. It is recommended to complement the prospect's existing private hospitalization coverage and reduce out-of-pocket expenses for non-cancer drug list treatments. The plan can be enhanced with additional riders to cover cancer drug list treatments.
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