Are you expecting a baby? Congratulations! While this is an exciting time, it's also one filled with uncertainties. Did you know that approximately 15% of pregnancies experience complications? Or that about 3-5% of newborns are born with congenital disorders? These statistics highlight the importance of having comprehensive maternity and child insurance. If you're looking for a plan that protects both you and your baby, GREAT Maternity Care 2 might be the solution you've been searching for.
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GREAT Maternity Care 2 is a unique insurance plan designed to provide comprehensive coverage for both expectant mothers and their newborns . It offers protection against a wide range of pregnancy complications, congenital illnesses, and other health issues that may arise during pregnancy and after childbirth. This plan aims to give you peace of mind during your pregnancy journey and the early years of your child's life.
Protects against pregnancy complications, congenital illnesses, and juvenile conditions . Covers both single and multiple pregnancies.
Choose between S$5,000 or S$10,000 sum assured . Additional benefits like hospital care and psychological consultations.
Option to purchase additional insurance for both mother and child without medical underwriting .
Option to purchase another GREAT Maternity Care 2 policy for subsequent pregnancies without medical underwriting .
Benefits for the mother extend up to 120 days after childbirth . Child coverage continues until the end of the policy term.
Death or Total and Permanent Disability Benefit : 100% of sum assured
Pregnancy and Childbirth Complications Benefit : Covers 18 specific complications
Hospital Care Benefit : 2% of sum assured per day, up to 30 days
Psychological Consultations Benefit : Up to 3 sessions, S$100 per consultation
Mum Again Benefit : Option for subsequent pregnancies
Death Benefit : 100% of sum assured
Congenital Illness Benefit : Covers 26 specific illnesses
Juvenile Illness Benefit : Covers 15 specific conditions
Hospital Care Benefit : 2% of sum assured per day, up to 30 days
Major Organ Benefit : 50% of sum assured for specific surgeries
GREAT Maternity Care 2 offers two levels of coverage:
1. S$5,000 Sum Assured Plan
2. S$10,000 Sum Assured Plan
All benefits are doubled compared to the S$5,000 plan, except for the Psychological Consultations Benefit, which remains at S$100 per consultation for both plans.
The premium for GREAT Maternity Care 2 is paid as a single premium and varies based on the mother's age and the chosen sum assured. Here's a breakdown:
For S$5,000 Sum Assured:
For S$10,000 Sum Assured:
Note: There's a 50% premium loading for twin pregnancies or pregnancies conceived via assisted conception. For twin pregnancies conceived via assisted conception, the premium is calculated as: Single Premium x 1.5 x 1.5.
Within 90 days of your child's birth, you have the option to purchase eligible insurance plans for both yourself and your child without medical underwriting .
If you purchase a new policy through the Guaranteed Insurability Benefit, any pre-existing conditions of the child diagnosed before the new policy purchase will be covered . However, if a claim is made for a covered condition resulting from a pre-existing condition before the child turns 6, the payout is limited to S$30,000.
GREAT Maternity Care 2 covers diagnosis, hospitalization, and delivery that occur in Singapore, Malaysia, and Brunei .
If you develop pre-eclampsia during your pregnancy, you'd receive 100% of your sum assured (S$5,000 or S$10,000), daily hospital care benefits if hospitalized, and coverage for follow-up psychological consultations if needed.
If your baby is diagnosed with a congenital heart defect, you'd receive 100% of your sum assured , coverage for necessary hospitalizations, and the Major Organ Benefit if surgery is required.
If you're expecting twins, each child would be separately covered for all child benefits . Your premium would be higher, but you'd have comprehensive coverage for both babies.
Comprehensive coverage for both mother and child
Covers a wide range of pregnancy complications and congenital illnesses
Option to increase coverage for subsequent pregnancies
Guaranteed insurability for both mother and child
Extends coverage beyond childbirth
Single premium payment might be a significant upfront cost
Coverage is limited to Singapore, Malaysia, and Brunei
Higher premiums for multiple pregnancies or assisted conception
Limited coverage period (typically until the child is 3 years old)
Ideally, as early in your pregnancy as possible to ensure maximum coverage.
You should discuss any pre-existing conditions with your Great Eastern Financial Representative.
Each child is separately covered for all child benefits , but your premium will be higher.
No, as this is a protection plan with no savings or investment component.
Contact Great Eastern as soon as possible after the diagnosis or event. They will guide you through the claim process.
GREAT Maternity Care 2 offers comprehensive protection for both expectant mothers and their newborns , covering a wide range of potential complications and illnesses. With its unique features like the Mum Again Benefit and Guaranteed Insurability Benefit, it provides valuable coverage not just for your current pregnancy, but potentially for future ones as well.
However, as with any insurance decision, it's important to carefully consider your personal needs, financial situation, and existing coverage before making a choice. The single premium payment might be a significant upfront cost, but the peace of mind it provides during your pregnancy journey could be invaluable.
Remember, the best insurance is the one that gives you peace of mind and fits your specific circumstances. If you're considering GREAT Maternity Care 2 or any other maternity insurance plan, it's always 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 maternity insurance . These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible for you and your baby.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your pregnancy journey. Don't leave your protection to chance – get the expert advice you deserve today.
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