Maternity Insurance in Singapore: Protecting Your Journey to Motherhood

How Maternity Insurance Works in Singapore

Benefits of Maternity Insurance in Singapore

• Financial Protection: Covers high costs associated with pregnancy complications and childbirth.

• Comprehensive Coverage: Includes pre and post-natal care, hospitalization, and sometimes fertility treatments.

• Access to Quality Healthcare: Enables choice of private hospitals and specialists.

• Newborn Coverage: Often includes insurance for the baby from birth.

• Peace of Mind: Reduces stress related to unexpected medical expenses during pregnancy.

• Customizable Plans: Options to tailor coverage to individual needs and budgets.

• Tax Benefits: Premiums may be eligible for tax relief under certain conditions.

12 Best Maternity Insurance Policies in Singapore 2024

• Great Maternity Care 2

  • Comprehensive coverage for mother and child, including pregnancy complications, congenital illnesses, and hospitalization.

  • Guaranteed Insurability Benefit allows purchase of additional coverage without medical underwriting within 90 days of birth.

  • Unique Mum Again Benefit for purchasing another policy for subsequent pregnancy without medical underwriting.

• AIA Mum2Baby Choices

  • Protection from 13th week of pregnancy with guaranteed lifelong protection for the child.

  • Flexibility to transfer base plan and riders to child within 60 days from birth without medical questions.

  • Covers pregnancy complications, congenital illnesses, and hospital care benefits for both mother and baby.

• Singlife Maternity Care

  • Covers 10 types of pregnancy complications, 23 congenital illnesses, and loss of life for both mother and child.

  • Financial assistance for hospitalization due to illnesses and pregnancy complications with multiple claims allowed.

  • Coverage for up to four babies in a single pregnancy, including IVF conceptions.

• Maternity 360

  • Comprehensive 360° protection for mother and baby for up to 3 years.

  • Simplified application benefit for purchasing new insurance for newborn with simple health declaration.

  • Continuous coverage even with multiple insured event claims.

• PRUFirst Gift II

  • Coverage from 13 weeks of pregnancy, protecting against 17 pregnancy complications.

  • Seamless transfer of lifelong protection from mother to baby at birth without underwriting.

  • Combines protection with investment opportunities through PRUActive LinkGuard.

• PRUMom

  • Coverage for 13 pregnancy complications and 25 congenital illnesses.

  • Includes mental wellness care, covering psychological consultations and postpartum depression diagnosis.

  • Flexible hospital care benefits with Hospital Care Accelerator for extended or ICU stays.

• PRUFirst Promise

  • Comprehensive coverage for pregnancy complications, congenital illnesses, and lifetime protection for the child.

  • Mental wellness care coverage for the mother, including postpartum depression diagnosis.

  • Hospital care benefit for both mother and baby with daily payouts for various conditions.

How to Choose the Best Maternity Insurance Plan in Singapore

• Assess Coverage Limits: Ensure the plan covers expected costs of your preferred hospital and delivery method.

• Check Waiting Periods: Understand when coverage begins and plan accordingly.

• Review Exclusions: Be aware of what's not covered, especially regarding pre-existing conditions.

• Compare Premiums: Balance cost with coverage to find the best value.

• Evaluate Newborn Benefits: Look for plans that offer immediate coverage for your baby.

• Consider Your Health History: Choose plans that accommodate any pre-existing conditions.

• Read Customer Reviews: Gauge insurer reputation and claim settlement efficiency.

• Consult a Financial Advisor: Get professional advice tailored to your specific situation.

Types of Maternity Insurance Available in Singapore

• Standalone Maternity Plans: Dedicated policies covering pregnancy and childbirth.

• Health Insurance Riders: Add-ons to existing health insurance policies.

• Integrated Shield Plans: Comprehensive health plans with maternity coverage options.

• Group Insurance Plans: Employer-provided plans that may include maternity benefits.

• International Health Insurance: Global coverage plans that include maternity benefits.

Maternity Insurance for Different Life Stages in Singapore