Best Maternity Insurance Singapore February 2023

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 insurance singapore

What are Maternity Insurance Plans?

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.

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Do You Really Need Maternity Coverage?

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.

Congenital Illnesses

From Stem Cell treatment, miscarriage due to accident, to Autism Spectrum Disorder, the range of congenital illnesses covered is wide.

Complications & More

Aside from pregnancy complications, Maternity plans today aim to protect mentally for Mothers. For example: Psychotherapy treatment for mothers facing depression after child is born.

Hospitalisation & Treatment Benefit

A part of sum assured can be paid out daily without reducing total insured amount. For example, be covered for phototherapy treatment for severe neonatal jaundice.

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Best Maternity Insurance Plans in Singapore

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.  

aia

AIA
Mum2Baby

3.75/5

AIA's Mum2Baby is a bundle of maternity insurance with a Whole Life insurance OR ILP. Early CI is applicable for the Whole Life plan with the option to transfer. It has the highest pregnancy complications and congenital illnesses covered.

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ntuc income

NTUC Income
Maternity 360

4/5

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.

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AXA
HappyMummy

5/5

AXA'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. Very powerful feature for parents!

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Singlife with Aviva

Singlife with Aviva
Singlife Maternity Care

3/5

Singlife with Aviva's MyMaternityPlan covers for Stem Cell treatment and developmental delays. However, to be able to purchase, you or your spouse have to purchase other Aviva policies.

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The Champion

5/5

AXA
HappyMummy

With the Option to Transfer the Whole Life plan with its attaching riders, this means parents can include Early CI protection even before the child is born and have the assurance that the coverage has the flexibility to keep with Mum (should it be needed), or transfer to the kid, even with pre-existing condtions.

AXA’s Whole Life plan is also one of the more competitive one in the market.

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Best Stand-alone Maternity Plan

5/5

NTUC Income
Maternity 360

NTUC Income Maternity 360 is a Stand-alone maternity insurance plan. Protection is for 3 years with a single premium & one of the best valued in the market.

Covering for pregnancy complications and congenital illnesses, Maternity 360 offers the Option to include Whole Life/ Endowment/ ILP after child is born.

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Still unsure about maternity insurance plan?

Read our article here to find out more, or simply contact us instead!
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Get the Best Maternity Insurance Plans in Singapore 2023

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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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