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Things You Probably Don’t Know About Maternity Insurance In Singapore


Singapore has some of the best healthcare facilities in the world. And, the ‘best’ is just what you want when getting ready to welcome your bundle of joy into this world. Yet, affording top-notch medical service often comes with a high price. These costs can often end up doubling during pregnancy as there is not one but two lives requiring healthcare.

There is only one full-proof way to be able to afford the best medicals during pregnancy – maternity insurance.

Maternity insurance is, in fact, indispensable for any couple planning parenthood. If you are wondering how this type of coverage can benefit you, read on to discover 5 things you might not know about the benefits of maternity insurance in Singapore.

Protects expectant mothers as early as 13 weeks

The coverage under a maternity insurance plan usually begins as early as the 13th week of your pregnancy. With this early protection, it gives all the mummies a sense of assurance and allows them to have full focus on welcoming a newborn into the family.

Offers hospital care benefit for mum and baby

Maternity insurance plans usually offer a percentage of the sum assured per day in scenarios where mothers or babies are hospitalized for health issues. For example, if the mother is hospitalized for a condition such as lactation mastitis, she may receive 1% of the sum assured under her plan per day for a certain number of days that she spends in a hospital for treatment. A baby may receive similar coverage if they are hospitalized for conditions such as premature birth, pneumonia, and hand, foot, and mouth disease, among others.

Includes coverage for psychological conditions

A good maternity insurance plan takes into account both the physical and mental well-being of the mother. As such, there is also coverage for psychological conditions that are known to commonly occur as a part of pregnancy. For instance, leading insurance providers offer a payout for conditions such as postpartum depression and cover the cost of psychological consultations that the mother may require.

Can be bundled with life insurance for baby

Leading insurance companies in Singapore often encourage new parents to opt-in for a bundled plan that includes maternity insurance and a life insurance plan. In simple terms, the life insurance coverage passes on from the mother to the new-born without medical underwriting. This makes the transfer of coverage a smooth and easy process that offers much-needed financial protection from day 1 of your baby’s life.

Covers against congenital illnesses

Many Singaporeans are not aware that maternity insurance covers congenital illnesses too. The illnesses that normally receive coverage are Down’s syndrome, spina bifida, congenital cataract, club foot, cleft lip, and cerebral palsy, among others.

Now that you know the many benefits of a maternity insurance plan, make sure to get yourself covered once you receive the good news of pregnancy. Discuss the options with your spouse and choose the one that suits you both. We hope this article helps you.

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