Last Updated on May 20, 2022 by Parentology
Unlike many bundled Maternity plans, Singlife with Aviva’s MyMaternityPlan is neither a stand-alone one nor a bundled one. Each insurer’s maternity plan has a special feature and aside from congenital illnesses and pregnancy complications, Singlife with Aviva’s Maternity plan may appeal to you if you are into stem cell technology.
To be able to purchase Singlife with Aviva’s MyMaternityPlan, either the mother or father of child needs to be an existing policy holder. It can be a hospitalisation, critical illness (stand-alone) or whole life insurance coverage or even endowment an retirement plans.
Singlife with Aviva’s MyMaternityPlan also covers up to 4 babies in one pregnancy. IVF, Intracytoplasmic Sperm Injection (ICSI), Intrauterine Insemination (IUI) and Intracervical Insemination (ICI) are included.
Product Features & Benefits At a Glance
- Get covered for 10 pregnancy complications, 23 congenital illnesses as well as death coverage.
- Financial Assistance – Daily Hospitalisation Cash Benefit for Mothers. Due to pregnancy complications, 1% of sum assured will be paid out daily, up to 30 days.
- No check-ups needed- Your baby will not need any medical check-ups as a condition when you are buying them a whole life
- Financial assistance to baby expenses- Daily Hospitalisation Cash Benefit for Babies for hospitalisation and treatment expenses such as sever neonatal jaundice or neonatal ICU/HDU admittance. 1% of sum assured will be paid out daily, up to 30 days.
- Covers up to 4 babies even if they are conceived through IVF, Intracytoplasmic Sperm Injection (ICSI), Intrauterine Insemination (IUI) and Intracervical Insemination (ICI).
| Key Benefits | Coverage / Options |
| Coverage for hospitalisation due to pregnancy complications | 1% of sum assured for each day of hospitalisation |
| Financial assistance for hospitalisation and treatment expenses for common newborn conditions and illnesses | E.g phototherapy for severe neonatal jaundice or neonatal ICU/HDU confinement |
| Multiple foetus cover | Covers as many as four babies in a single pregnancy, even for In Vitro Fertilisation (IVF) cases |
|
No health check-up needed for your baby when you purchase a new whole life plan for them within 90 days from birth |
The available plans are: • Whole life plan, where the total death and Terminal Illness (TI) benefit payable is not more than S$150,000; or • Whole life plan, with Total and Permanent Disability (TPD) benefit (if applicable), where the total death, TI and TPD benefit payable is not more than S$150,000. |
| Coverage for stem cell transplant surgery | One-time payout of 50% of sum assured |
| Development delay of child | One-time payout of 10% of sum assured |
Source: Aviva
Criteria to purchase MyMaternityPlan
You may purchase MyMaternityPlan when you or your spouse sign up for any of the qualifying plans:
| IdealIncome | My Early Critical Illness Plan | My MultiPay Critical Illness Plan III | MyAccidentGuard | MyCare |
| MyCare Plus | MyCoreCI Plan | MyCoreCI Plan II | MyEasySaver | MyIncomePlus |
| MyLifeChoice | MyLifeIncome | MyLifeSavingsPlan | MyProtector–Decreasing | MyProtector–Term Plan II |
| MyRetirement | MyRetirement Choice | MySavingsPlan | MyShield | MyWealthPlan |
| MyWholeLifePlan III |
Source: Aviva
How MyMaternityPlan Works
Source: Aviva
Mother’s Benefits Schedule
| Death | 100% of Sum Assured |
Pregnancy Complications
| Abruptio Placentae |
100% of Sum Assured |
| Amniotic Fluid Embolism | |
| Disseminated Intravascular Coagulation | |
| Fatty Liver of Pregnancy | |
| HELLP Syndrome (Haemolysis, elevated liver enzymes, low platelet count) | |
| Placenta Increta/Percreta | |
| Postpartum Haemorrhage requiring Hysterectomy | |
| Pre-Eclampsia or Eclampsia | |
| Still Birth | |
| Uterine Rupture |
Hospital Care
| Abruptio Placentae |
1% of sum assured for each day of hospitalisation, up to 30 days (per contract term) |
| Amniotic Fluid Embolism | |
| Disseminated Intravascular Coagulation | |
| Fatty Liver of Pregnancy | |
| HELLP Syndrome (Haemolysis, elevated liver enzymes, low platelet count) | |
| Inpatient Psychiatric Treatment | |
| Placenta Increta/Percreta | |
| Post-natal Anaemia | |
| Postpartum Haemorrhage requiring Hysterectomy | |
| Pre-Eclampsia or Eclampsia | |
| Puerperal Pyrexia | |
| Pulmonary Embolism | |
| Repair of 4th Degree Perineal Tear | |
| Septic Pelvic Thrombophlebitis | |
| Still Birth | |
| Surgical Site Infection following Caesarian Section | |
| Uterine Infection or Transfusion Due to Retained | |
| Placenta Following Childbirth | |
| Uterine Rupture |
Child’s Benefits Schedule
| Death | 100% of Sum Assured |
Congenital Illnesses
| Absence of Two Limbs |
100% of Sum Assured |
| Anal Atresia | |
| Atrial Septal Defect | |
| Biliary Atresia | |
| Cerebral Palsy | |
| Cle Lip and Cle Palate | |
| Club Foot | |
| Congenital Blindness | |
| Congenital Cataract | |
| Congenital Deafness | |
| Congenital Diaphragmatic Hernia | |
| Congenital Hypertrophic Pyloric Stenosis | |
| Development Dysplasia of the Hip | |
| Down’s Syndrome | |
| Infantile Hydrocephalus | |
| Patent Ductus Arteriosus | |
| Retinopathy of Prematurity | |
| Spina Bifida | |
| Tetralogy of Fallot | |
| Trancheo-esophageal Fistula or Esophageal Atresia | |
| Transposition of The Great Vessels | |
| Truncus Arteriosus | |
| Ventricular Septal Defect |
Hospital care
| Admission into Neonatal Intensive Care (NICU) / |
1% of sum assured for each day of hospitalisation, up to 30 days (per contract term) |
| High Dependency Unit (HDU) | |
| Hand, Foot and Mouth Disease | |
| Incubation of the Newborn Child for more than 3 consecutive days immediately following Birth | |
| Phototherapy or Blood Transfusion for | |
| Severe Neonatal Jaundice | |
| Premature Birth requiring NICU/HDU |
Outpatient Phototherapy
| Outpatient phototherapy treatment due to severe neonatal jaundice |
1% of sum assured for each day of rental of the phototherapy machine, up to 10 days (per contract term) |
| Stem cell treatment (for transplant surgery only) |
50% of sum assured |
| Developmental delay |
10% of sum assured |
What We Like About The Plan
- Stem cell treatment (transplant surgery only) and Developmental delay of child is covered for.
- Able to get an Aviva Whole Life plan within 90 days after the child is born. Aviva’s whole life plan is one of the more competitive one in the market, read out review here:
Review – Why Aviva’s MyWholeLifePlan III is One of the Best in the Market
You may be interested: Best Whole Life Plans Singapore 2020 – The Ultimate Guide
What We Don’t Like About The Plan
- At least one of the parent must be an existing Aviva Policy Holder
Conclusion
Like all Maternity plans, other important factors to consider:
- The benefits of pregnancy complications and congenital illness benefits are payable once.
- The benefits of hospitalization for both mother and child takes place up to 30 days accordingly.
Aviva’s Maternity plan insurers certain procedures like stem cell treatment and Developmental delay which insurers usually do not and provides an alternative for parents whom want coverage for that. We hope this article has provided value in your choosing of maternity plan for your upcoming little one! All Maternity Plans have their pros and cons and we strongly recommend that you consider your options wisely.
To do that, let our experienced advisors help you find the most suitable plan!
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