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Introduction

Maternity care is a crucial aspect of healthcare, especially for expectant mothers and their unborn children. The GREAT Maternity Care 2 insurance product offers comprehensive coverage to address the unique needs of pregnancy and childbirth. This innovative plan provides financial protection against various complications and ensures peace of mind during this important life stage. With its wide range of benefits for both mother and child, GREAT Maternity Care 2 stands out as a thoughtful solution for families planning for a new addition.

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Key Features

GREAT Maternity Care 2 offers a robust set of features designed to provide comprehensive coverage for expectant mothers and their newborns. From financial protection against complications to hospital care benefits, this plan addresses various aspects of maternity care. Let's explore the key features that make this product stand out in the market.

Death and TPD Coverage

The plan provides 100% of the sum assured in case of death or total and permanent disability of the mother. This ensures financial security for the family in unforeseen circumstances.

Pregnancy Complications

100% of the sum assured is payable if the mother is diagnosed with any of the 18 covered pregnancy and childbirth complications. This benefit is crucial for managing unexpected health issues during pregnancy.

Hospital Care Benefit

The plan offers 2% of the sum assured for each day of hospitalization due to covered events. This benefit is payable for up to 30 days, providing financial support during hospital stays.

Psychological Support

S$100 per consultation is provided for psychological or psychiatric sessions, up to 3 sessions. This feature recognizes the importance of mental health support during and after pregnancy.

Child Coverage

The plan extends coverage to the newborn, including benefits for congenital illnesses, juvenile conditions, and hospital care. This ensures comprehensive protection for the child from birth.

Flexible Sum Assured

GREAT Maternity Care 2 offers options of S$5,000 or S$10,000 sum assured. This flexibility allows families to choose a coverage level that suits their needs and budget.

Benefits

GREAT Maternity Care 2 provides a comprehensive set of benefits tailored to the needs of expectant mothers and their newborns. These benefits are designed to offer financial protection and support throughout pregnancy, childbirth, and early childhood. Let's delve into the specific advantages this plan offers.

Congenital Illness Coverage

The plan covers 26 congenital illnesses for the child, paying 100% of the sum assured upon diagnosis. This benefit provides crucial financial support for managing congenital health issues.

Juvenile Illness Benefit

Coverage for 15 juvenile conditions is included, with 100% of the sum assured payable upon diagnosis. This feature extends protection for the child beyond just congenital issues.

Major Organ Benefit

50% of the sum assured is payable if the child undergoes surgery on any of the 5 major organs: heart, lungs, liver, kidneys, or brain. This benefit helps manage costs associated with serious medical procedures.

Multiple Pregnancy Coverage

In case of multiple pregnancies, the child benefits apply separately to each insured child. This ensures equal coverage for twins or multiples.

Extended Coverage Period

Many benefits, including the Pregnancy and Childbirth Complications Benefit, extend up to 120 days from the birth of the insured child. This provides continued protection during the crucial postpartum period.

Guaranteed Insurability

The plan offers the option to purchase eligible plans for both mother and child without medical underwriting within 90 days of birth. This ensures future insurability regardless of health changes.

Real premiums suggested for Great Maternity Care 2

AgeWhat suggestion coversPremium
36, Male making
$6,416.667 a month
hospital income
$100
hospitalisation benefit
$300
icu hospital income
$200
$218.16 Cash
23, Male making
$2,500 a month
Not elaborated
$201.87 annual
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Other Benefits

GREAT Maternity Care 2 goes beyond standard maternity coverage by offering additional benefits that provide extra value and flexibility. These unique features set the plan apart and address specific needs that may arise during pregnancy and early parenthood. Let's explore these additional benefits that enhance the overall protection offered by this comprehensive plan.

Mum Again Benefit

This unique feature allows the mother to purchase another GREAT Maternity Care 2 policy for a subsequent pregnancy without medical underwriting. It provides continuity of coverage for future pregnancies.

Pre-existing Condition Coverage

Under the Guaranteed Insurability Benefit, pre-existing conditions of the child diagnosed before purchasing a new policy are covered. However, there's a limit of S$30,000 for claims related to pre-existing conditions before the child turns 6 years old.

Flexible Premium Options

The plan offers single premium payment options, with rates varying based on the mother's age and chosen sum assured. Additional premium loading applies for twin pregnancies or pregnancies conceived via assisted conception.

Regional Coverage

GREAT Maternity Care 2 covers diagnosis, hospitalization, and delivery that occur within Singapore, Malaysia, and Brunei. This provides protection for those who may travel or reside in these neighboring countries during pregnancy.

Eligibility and Application Process

GREAT Maternity Care 2 is designed for expectant mothers between the ages of 18 to 45 (based on age next birthday). The application process is straightforward, typically requiring basic personal information and details about the pregnancy. Applicants may need to provide medical history and undergo a health assessment, depending on individual circumstances. It's important to apply early in the pregnancy to ensure maximum coverage duration. Interested individuals can reach out to Great Eastern Life Assurance Company or their authorized agents to initiate the application process.

Claims and Customer Service

Filing a claim with GREAT Maternity Care 2 is designed to be a smooth process. Policyholders should notify Great Eastern as soon as possible after a claimable event occurs. Required documents typically include completed claim forms, medical reports, and hospital bills. These can usually be submitted online or at Great Eastern service centers. For customer support, policyholders can contact Great Eastern's dedicated customer service hotline or email. The company also provides online resources and a mobile app for easy access to policy information and services. Great Eastern aims to process claims efficiently, ensuring timely financial support when it's needed most.

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Conclusion

GREAT Maternity Care 2 is an excellent choice for expectant mothers looking for comprehensive coverage during pregnancy and early parenthood. It's particularly suitable for first-time parents who want peace of mind against unexpected complications, as well as those planning for multiple children due to the Mum Again Benefit. Families with a history of congenital or juvenile illnesses may also find the extensive child coverage particularly valuable.
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