Maternity Insurance

Singlife Maternity Care: Comprehensive Protection for Mum and Baby

Are you expecting a little bundle of joy? Congratulations! While this is an exciting time, it's also one filled with many questions and concerns. Did you know that about 10-15% of pregnancies in Singapore experience complications? Or that approximately 4% of babies are born with congenital illnesses? These statistics highlight why it's crucial to have proper protection during this special time. If you're looking for a comprehensive maternity insurance plan, Singlife Maternity Care might be the solution you've been searching for.

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What is Singlife Maternity Care?

Singlife Maternity Care is a unique, single-premium, three-year plan designed to cover both mother and baby through pregnancy and childbirth . It provides financial assistance for treatment or hospitalization resulting from pregnancy complications or if the child is diagnosed with congenital illnesses. This plan aims to give you peace of mind as you step into parenthood, allowing you to focus on the joy of bringing new life into the world.

Key Features That Set Singlife Maternity Care Apart

Wide-ranging protection

Covers 10 types of pregnancy complications , protects against 23 congenital illnesses, and includes coverage for loss of life

Financial assistance for hospitalization

Covers both mother and baby, including illnesses and pregnancy complications

Multiple birth coverage

Covers up to four babies in a single pregnancy , including babies conceived through IVF

Comprehensive coverage for baby

One-time payout for stem cell transplant surgery and coverage for developmental delay

Simplified insurance purchase for baby

Option to buy a new whole life plan for your baby without health checks

What Does Singlife Maternity Care Cover?

For Mother

  • Death Benefit: 100% of sum assured

  • Pregnancy Complications: 100% of sum assured for 10 different complications

  • Hospital Care: 1% of sum assured per day, up to 30 days

For Child

  • Death Benefit: 100% of sum assured

  • Congenital Illnesses: 100% of sum assured for 23 different conditions

  • Hospital Care: 1% of sum assured per day, up to 30 days

  • Outpatient Phototherapy: 1% of sum assured per day, up to 30 days

  • Stem Cell Treatment: 50% of sum assured

  • Developmental Delay: 10% of sum assured

How Much Coverage Do You Get?

The coverage amount depends on the sum assured you choose when purchasing the plan. For example, if you choose a sum assured of S$10,000:

  • Death benefit would be S$10,000
  • Pregnancy complication payout would be S$10,000
  • Daily hospital care benefit would be S$100 per day
  • Stem cell treatment benefit would be S$5,000
  • Developmental delay benefit would be S$1,000

How Much Does It Cost?

The premium for Singlife Maternity Care is a one-time payment that covers you for three years . The cost varies based on factors like your age and the sum assured you choose. For example, a 30-year-old non-smoking mother who conceived naturally would pay a one-time premium of S$638 for S$10,000 coverage.

Why Compare Singlife Maternity Care with other Maternity Options through Whatins?

Traditional Approach

  • Limited pregnancy complication coverage
  • Single view of maternity benefits
  • May miss important protection features

Whatins Advantage

  • Compare maternity coverage periods across insurers
  • See how pregnancy complications are covered
  • Understand both mother and child protection
  • Compare different waiting periods

Real-Life Scenario

Let's look at how Singlife Maternity Care works in a real-life situation:

Gina, a 30-year-old expectant mother, signs up for Singlife Maternity Care at 13 weeks of pregnancy. She pays a one-time premium of S$638 for S$10,000 coverage. Here's how the plan helps her:

  1. At 30 weeks, Gina is diagnosed with pre-eclampsia:
  • She receives S$10,000 (Pregnancy complication benefit)
  • She's hospitalized for 10 days, receiving S$1,000 (Hospital care benefit)
  1. At 33 weeks, Gina gives birth prematurely:
  • Her baby needs 7 days in an incubator: S$700 (Hospital care benefit)
  • The baby has severe jaundice, needing 7 days of phototherapy in hospital: S$700 (Hospital care benefit)
  • The baby needs 2 more days of phototherapy at home: S$200 (Outpatient phototherapy benefit)

In total, Gina receives S$12,600 in benefits, far exceeding her initial premium of S$638.

Pros and Cons

Pros

  • Comprehensive coverage for both mother and baby

  • Covers multiple births (up to four babies)

  • Includes rare but serious complications

  • One-time premium for three years of coverage

  • Option to buy insurance for baby without health checks

Cons

  • Limited to three years of coverage

  • Must be purchased alongside a qualifying insurance plan

  • Age limit for applicants (18-45 years old)

  • Must be between 13-36 weeks pregnant at time of application

Frequently Asked Questions

Can I get this plan if I conceived through IVF?

Yes, Singlife accepts pregnancies through various assisted reproduction methods, including IVF.

What if I'm having twins or triplets?

The plan covers up to four babies in a single pregnancy, with each child separately insured.

Can I buy insurance for my baby after birth?

Yes, within 90 days of birth, you can buy a whole life plan for your baby without medical underwriting, up to certain coverage limits.

What's not covered by this plan?

Like most insurance policies, there are exclusions. For example, pre-existing conditions are not covered under the new policy you can buy for your baby.

How do I make a claim?

Contact Singlife as soon as possible after the event. They will guide you through the claim process.

Conclusion

Singlife Maternity Care offers comprehensive protection for both mother and child during pregnancy, childbirth, and the early years of your baby's life . With its wide-ranging coverage and unique features like multiple birth protection and the option to buy insurance for your newborn without health checks, it provides valuable peace of mind during a crucial time in your life.

However, as with any insurance decision, it's important to carefully consider your personal needs and financial situation before making a choice. Remember, the best insurance is the one that gives you peace of mind and fits your specific circumstances.

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 growing family.

Click here to get 5 expert opinions on maternity insurance

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