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Maternity Insurance In Singapore

Maternity Insurance In Singapore

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Maternity insurance can help to protect the health and financial needs of both mother and child. Learn more about maternity insurance in Singapore.

What Is Maternity Insurance?

Maternity insurance is also known as pregnancy insurance or prenatal insurance. It is a single-premium insurance that covers for both the mother and the baby. This coverage comes in the form of a lump sum payout or daily hospital cash to for additional medical costs.

When Is A Good Time To Purchase Insurance?

It is recommended that you purchase your insurance as early as possible to help protect you from any complications. The earliest you can purchase your plans is typically the 13th week of your pregnancy. It is a mark of the end of the first trimester when the pregnancy is more stable. 

What Does Maternity Insurance Cover?

Most plans cover additional aspects, such as unforeseen pregnancy complications or any illnesses a newborn may have. For example, congenital illnesses include Cerebral Palsy, Down’s Syndrome, and congenital deafness. Additionally, death or total & permanent disability benefits (TPD) can also be covered. Some insurance plans also offer additional benefits for the mothers, such as psychotherapy and mental wellness treatments. However, some plans do not cover the cost of your delivery or hospitalization bills. As well as that, some plans do not cover IVF pregnancies due to higher risks. The cost of childbirth may add up to additional fees.

How Long Does Maternity Insurance Last For?

The insurance covers the entire period of your pregnancy and lasts for 30 days after childbirth. Depending on the plan you choose, the coverage for the newborn could last longer.

What Impacts The Cost Of Insurance?

The age of the mother impacts the cost of insurance, as the younger you are, the lower the premiums will be. Also, some insurers require the mother to be between the ages of 18 and 45. Depending on the plan you purchase, average cost can range from $400-$5,000.

 

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This article is informative only and is not intended to be a substitute for professional medical advice, diagnosis, or treatment, and should never be relied upon for specific medical advice.

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