Understanding maternity and childbirth coverage in Singapore’s health insurance system can be tricky. This article explains what different insurance plans cover when it comes to maternity and childbirth costs. We’ll also highlight key details to help you make informed decisions.

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MediShield Life: Basic Coverage

MediShield Life is Singapore’s universal health insurance scheme, automatically covering all citizens and permanent residents from birth, including those with congenital and neonatal conditions. However, it does not cover general maternity expenses, such as routine deliveries and prenatal care. 

It does cover inpatient treatments for serious pregnancy and delivery-related complications, such as eclampsia, cervical incompetency, and postpartum hemorrhage.

Learn more: Ministry of Health

Government Subsidies and MediSave

To assist with maternity expenses, the Singapore government provides subsidies of up to 80% for maternity charges. Additionally, the MediSave Maternity Package allows parents to use their MediSave savings for delivery expenses and pre-delivery medical costs, helping to alleviate the financial burden associated with childbirth. 

Integrated Shield Plans (IPs)

Integrated Shield Plans (IPs) offer additional coverage beyond MediShield Life, provided by private insurers. While IPs primarily cover hospitalization expenses, some plans include riders that address pregnancy complications. 

It’s important to note that these riders typically cover only hospitalization expenses arising from pregnancy complications diagnosed after a waiting period, often around 10 months from the policy’s effective date. Normal delivery costs and routine prenatal care are generally not covered under these plans.

Maternity Insurance Plans: Specialized Coverage

For comprehensive protection, specialized maternity insurance plans are available. These plans provide coverage for both the mother and child, starting as early as the 13th week of pregnancy. 

Benefits often include coverage for pregnancy and childbirth complications, congenital conditions in newborns, and the option to extend coverage to the child without medical underwriting. For instance, plans like AIA Mum2Baby Choices and GREAT Maternity Care 2 offer such benefits, ensuring peace of mind during and after pregnancy.