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Best Maternity Plans Singapore 2024

Most Insurers today have Maternity Insurance today in Singapore. While there are so many types of Maternity plans in the market, understanding the details of the insurance product can be crucial. 

Maternity and Parenthood Schemes Singapore

Competitive Quotes Over 15 Life Insurers

Life’s unpredictability underscores the importance of a dependable insurance policy to support us through both challenges and milestones, ensuring our dreams for the future remain within reach.

At Parentology.sg, with a special focus on families and parent, we meticulously compare offerings from over 15 life insurers, helping you secure the ideal Whole Life insurance plan that caters to you & your child’s specific needs.

Still unsure about Maternity Protection Plans?

Read our article here to find out more, or simply contact us instead!

Do You Really Need Maternity Coverage?

Being pregnant is definitely not an easy task. Maternity plan essentially covers for pregnancy complications and congenital illnesses, as well as hospital charges to a certain extent. That being said, usual gynaecology check ups are not covered for.

In these scenarios, Whole Life Insurance plans may be more suitable as it may even be lower in cost than spending the premium on a Stand-alone Early Stage CI coverage.

What is a Maternity Insurance Plan?

They are insurance plans that cover for pregnancy complications (for expecting mother) and congenital illnesses (for baby). Typically taken up at the end of the first trimester, Maternity Insurance covers for pregnant mothers as well as their baby, with some insurers as early as 13th week into the pregnancy. It covers the child up to 3 or 6 years for congenital illnesses and in some cases, whole life coverage with a high death protection and critical illness coverage, including early to advance stages.

Limited-Pay-Premium-Term

Pregnancy Complications & Congenital Illnesses

Covering conditions during pregnancy & congenital illnesses upon birth of the child, Maternity plans provides the protection during this period of time.

Legacy-Endowment

Option to Tranfer

In the event of pre-existing conditions upon birth, the option to transfer or purchase a new protection with minimal or without medical underwriting is the greatest present you can gift upon your child.

Further-Enhancement

Bundled Protection

Cover for the unborn child for Death & Total Disability, as well as Critical Illnesses – without medical underwriting when they are born, even if they have conditions.

Best Maternity Insurance Plans in Singapore 2024

Not all Maternity plans are suited to every mothers. To help you stay well informed of the best maternity plan for you, have a read at our analysis and review of the maternity plans in the market. We pick the top, competitive and best valued plans for your considerations.  

balance
Singlife with aviva

Singlife
Maternity Care

Singlife with Aviva
Singlife Maternity Care

The Singlife Maternity Care covers for Stem Cell treatment and developmental delays. However, to be able to purchase, you or your spouse have to purchase other Aviva policies.

HSBC Life
HappyMummy

HSBC Life HappyMummy​

HSBC LIfe’s HappyMummy is a bundled combination of a 3 year maternity plan with a Whole Life or ILP that comes with the Option to Transfer to baby (even with Early CI) without medical underwriting.

Manulife
ReadyMummy

Manulife
ReadyMummy

ReadyMummy is a 3-year insurance plan that covers expectant mothers from an early 13 weeks of pregnancy with Psychotherapy Treatment.​

Income

NTUC Income
Maternity 360

NTUC Income Maternity 360​

NTUC Income’s Maternity 360 is a Stand-alone maternity plan that offers option of Whole Life/Endowment/ILP plan after child is born. It is also lowest in premiums.

Get the Best Maternity Insurance Plans in Singapore 2024

We researched and reviewed the best maternity plan in the market so you don’t have to.

Simply fill in the simple form  and our experienced licensed FA advisor will get in touch with you shortly upon your request.

No obligations. No hidden fees and costs. Just professional advice.

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    Frequently Asked Questions

    • Maternity Insurance plan is a type of term insurance that covers for expecting mothers as well as the baby. It also extends to the first 3 or 6 years of the child after he/she is born and covers for juvenile conditions like ADHD, Wilson’s Disease & Autism Spectrum Disorder. Usually eligible to purchase upon the 13th week of pregnancy, maternity plans insures pregnancy complications, congenital illnesses, financial assistance like hospital benefit and for some insurers, specific treatment like stem cell surgery (for newborns) and psychotherapy (for mothers slipping into depression). 

      Maternity Insurance plans are also typically bundled with a whole life or Investment-linked policy, or stand-alone ones with the option to add-on a whole life, endowment or investment-linked policy with simplified or no medical underwriting.

    Usual Covered Pregnancy Complications
    • Abruptio Placentae
    • Amniotic Fluid Embolism
    • Disseminated Intravascular Coagulation
    • Fatty Liver of Pregnancy
    • HELLP Syndrome
    • PLacenta Increta/Percreta
    • Postpartum Haemorrhage requiring Hysterectomy
    • Pre-Eclampsia/Eclampsia
    • Still Birth
    • Uterine Rupture
     
    Usual Covered Conditions for Mother’s Hospital Care Benefit
    • Abruptio Placentae
    • Amniotic Fluid Embolism
    • Fatty Liver of Pregnancy
    • Disseminated Intravascular Coagulation
    • HELLP Syndrome
    • Postnatal Anaemia
    • Inpatient Psychiatric Treatment
    • Placenta Increta/Percreta
    • Postpartum Haemorrhage
    • Pre-Eclampsia/Eclampsia
    • Puerperal Pyrexia
    • Pulmonary Embolism
    • Repair of 4th Degree Perineal Tear
    • Septic Pelvic Thrombophlebitis
    • Still Birth
    • C-Section Surgical Site Infection
    • Uterine Infection/Transfusion from Retained Placenta
    • Uterine Rupture
     
    Usual Covered Congenital Illnesses
    • Absence of 2 Limbs
    • Anal Atresia
    • Atrial Septal Defect
    • Biliary Atresia
    • Cerebral Palsy
    • Cleft Palate/Lip
    • Club Foot
    • Congenital Cataract
    • Congenital Blindness
    • Congenital Deafness
    • Congenital Diaphragmatic Hernia
    • Congenital Diaphragmatic Hernia
    • Congenital Hip Dislocation
    • Down’s Syndrome
    • Infantile Hydrocephalus
    • Retinopathy of Prematurity
    • Spina Bifida
    • Tetralogy Fallot
    • Transposition of Great Vessel
    • Truncus Arteriosus
    • Ventricular Septal Defect
    • Patent Ductus Arteriosus
    • Congenital Hypertrophic Pyloric Stenosis
     
     
    Usual Covered Conditions Under Hospital Care Benefit
    • Hand, Foot & Mouth Disease
    • Incubation of Newborn (3 Days +)
    • Pneumonia
    • Bronchitis
    • Premature Birth
    • Dengue Fever
    • Severe Neonatal Jaundice

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