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Singlife Maternity Care stands out from other bundled maternity plans as it is neither a standalone plan nor a traditional bundle. Each insurer’s maternity plan offers unique features, and if you have an interest in stem cell technology along with coverage for congenital illnesses and pregnancy complications, Singlife Maternity Care may be the ideal choice for you.
To be eligible for Singlife Maternity Care, either the mother or father of the child must already hold an existing insurance policy. This policy can be hospitalization coverage, critical illness coverage (standalone), whole life insurance, or even endowment and retirement plans.
Moreover, Singlife Maternity Care provides coverage for up to four babies in a single pregnancy. It includes coverage for IVF (In Vitro Fertilization), Intracytoplasmic Sperm Injection (ICSI), Intrauterine Insemination (IUI), and Intracervical Insemination (ICI).
This is an inclusive and cost-effective maternity plan that provides coverage for expenses related to pregnancy complications and medical conditions concerning newborns.
Here are the key advantages:
Product Features & Benefits At a Glance
Comprehensive coverage at your fingertips
Enjoy peace of mind with protection against a wide range of circumstances. Gain coverage for a diverse range of scenarios, including 10 types of pregnancy complications, 23 congenital illnesses, and even the unfortunate event of loss of life. With this plan, you can enjoy the assurance of protection across various circumstances, providing you with a comprehensive safety net.
Ensure financial support during critical times
In case of hospitalization due to illnesses and pregnancy complications, both the mother and baby will receive the necessary financial assistance. Additionally, multiple claims can be made for a variety of conditions, such as post-birth anaemia, hand, foot, and mouth disease, and phototherapy for severe neonatal jaundice. This plan offers comprehensive coverage and stands ready to provide the needed financial aid when it matters most.
Pregnancy complications refers to the Hospital care benefits provided to the Mother (or child) will cease either when 30% of the sum assured has been paid or upon reaching the predefined limit.
Multiple Births Coverage During Single Pregnancy
The plan offers coverage for up to four babies conceived in a single pregnancy, including those conceived through in vitro fertilization (IVF). Each baby is individually insured, and the benefits outlined in the Child’s Benefits Table will be applicable to each child.
In the event of a claim being made for one child, the benefit will still be available for the remaining child(ren). The insurer accepts pregnancies through various methods, including In Vitro Fertilization (IVF), Intracytoplasmic Sperm Injection (ICSI), Intrauterine Insemination (IUI), and Intracervical Insemination (ICI), subject to underwriting.
Baby’s Comprehensive Coverage
Benefit from comprehensive coverage for your baby with the assurance of a one-time payout in specific situations. In the event that your child requires stem cell transplant surgery or experiences developmental delay, you will receive a payout to support their needs.
This coverage ensures that you have the necessary financial support during critical times, providing peace of mind and resources for your child’s well-being.
In the event that the insured child exhibits developmental delay, SingLife will provide a payment equivalent to 10% of the sum assured. This benefit will cease either when 10% of the sum assured has been paid or when the contract term concludes, whichever comes first. However, other benefits will continue as long as the policy remains active.
For the purposes of this coverage, developmental delay of the insured child refers to the inability to perform either of the following tasks by the actual attained age of 28 months, as confirmed by a pediatrician:
The developmental delay of the insured child is defined as the inability to independently walk a distance of two meters without assistance. Furthermore, it includes the inability to speak and express simple words such as “papa,” “mama,” and other basic terms. These criteria are confirmed by a pediatrician and serve as indicators for determining developmental delay in the insured child.
New Coverage With No Medical Underwriting
Simplifying the process for you, the insurer offers the opportunity to purchase a new whole life plan for your baby without the need for any health check-ups.
Within 90 days from the birth of the insured child, you have the option to acquire a new policy under this benefit, exempt from medical underwriting.
The available policies are as follows:
a) Whole life plan with a maximum total death and terminal illness (TI) benefit of S$150,000.
b) Whole life plan, including a total and permanent disability (TPD) benefit (if applicable), with a maximum total death, TI, and TPD benefit of S$150,000.
The insurer however, cannot provide payment if a claim under the new policy is directly or indirectly, wholly or partly, caused by or arising from pre-existing conditions. For coverage that exceeds the specified sums mentioned above, medical underwriting is required. This is to make the process convenient while ensuring transparency and appropriate coverage to provide customers with peace of mind.
| 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: Singlife with Aviva
Criteria to purchase Singlife Maternity Care
You may purchase Singlife Maternity Care when you or your spouse sign up for any of the qualifying plans:
| Singlife Disability Income | Singlife Comprehensive Critical Illness | Singlife Multipay Critical Illness | Singlife Accident Guard | Singlife ElderShield Standard |
| Singlife ElderShield Plus | Singlife Essential Critical Illness | Singlife Steadypay Saver | Singlife Choice Saver | Singlife Flexi Retirement |
| Singlife Flexi Life Income | Singlife Whole Life | Singlife CareShield Standard | Singlife CareShield Plus | Singlife Elite Term |
| Singlife Shield | Singlife Simple Term | Singlife Savvy Invest |
Source: Singlife Aviva
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How The Singlife Maternity Care Works
Gina, a 30 year old (age next birthday), mum-to-be, signs up for Singlife’s MyMaternityPlan in the 13th week of her pregnancy.
The unexpected:
In the 30th week of pregnancy, she is diagnosed with Pre-eclampsia* and is hospitalised for 10 days. Seven weeks before the due date, she gives birth to a baby girl, Susan.
Since Susan is born prematurely, she needs to be incubated for 7 days. Due to severe neonatal jaundice, she also needs to undergo seven days of phototherapy in the hospital, after being discharged from incubation.
The doctor advises Gina to continue with Susan’s phototherapy treatment (post-discharge) for two days for the severe jaundice condition.
*Pre-eclampsia is a pregnancy complication that affects pregnant women if they develop hypertension after 20 weeks of pregnancy with a systolic blood pressure of at least 170mmHg or a diastolic blood pressure of 110mmHg recorded on 2 successive measurements of at least 6 hours apart, as well as proteinuria of more than 3+ on a random urine sample. The diagnosis must be confirmed by a gynaecologist or obstetrician.
source: Singlife with 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 | |
| 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 The Singlife Whole Life 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.
Singlife Maternity Care insures 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!
Fill in the form below and our friendly licensed FA advisor will get in touch with you based on your needs.
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