Pregnancy is one of the most joyous events in a woman’s life, but it does carry some risks along the journey. You can focus on preparing for your child’s arrival by having the best maternity insurance for you and your child. Maternity insurance provides you and your family with peace of mind and protection during the most important months in your lives. 

 

Maternity Insurance is a single premium term insurance plan that will provide coverage for both pregnancy complications for the mother, and also congenital complications for the newborn baby as early as 13 weeks of pregnancy until the end of the third policy year of the insurance. This ensures that your newborn is immediately financially covered from congenital conditions from the first day of birth.

 

Standalone Maternity Insurance Vs Bundled Maternity Insurance

 

Standalone maternity insurance allows the expectant mother to purchase the maternity insurance without having to purchase any other insurance policy. This provides a more affordable option for the mother, and also allows the mother the option to compare and choose a whole life plan or medical insurance plan from another insurer upon the birth of the child. However, the risk will be that there will be medical underwriting of the child during the application of whole life or medical insurance plan. For example when underwriting for medical insurance, if the child is born pre-maturely before 37 weeks, there tend to be an underwriting decision to postpone the application for at least 2 years before the insurer can re-assess the case again. 

 

Bundled maternity insurance requires the expectant mother to purchase both the maternity insurance and another qualifying insurance policy (Whole life insurance or Investment Linked plan) from the same insurer. The qualifying insurance policy can then be transferred from the mother to the child upon birth. While this require the mother to pay a higher premium for maternity insurance, it also means the mother can be rest assured that her newborn child will be covered with insurance from day 1 upon birth (even in the worse scenario that the baby is not born completely healthy). 

 

Who can purchase Maternity Insurance?

 

Depending on insurers, expectant mothers are eligible to apply for maternity insurance when they are between 13th and 36th week of pregnancy.

 

What does maternity insurance cover?

 

Maternity insurance includes pregnancy complications coverage for the expectant mother and congenital conditions for the newborn child, as well as hospital care benefit for both mother and child.

 

Best Maternity Insurance In Singapore
Insurer Singlife Income Manulife AXA
Maternity Plan Singlife Maternity Care Maternity 360 Readymummy HappyMummy/ HappyFamily
Standalone or Bundled Bundled with any eligible plan Standalone Standalone Bundled with any eligible plan
Sum Assured $5000 to $20,000 $5000 to $10,000 $5000 to $20,000 $5000 to $30,000
IVF Loading depends on age of expectant mother Loading of 100% Loading of 75% No loading
Mother’s benefit
Death 100% of sum assured  
Pregnancy complications cover limit 100% of sum assured  
List of Pregnancy complications conditions
1. Abruptio Placentae

2. Amniotic Fluid Embolism

3. Disseminated Intravascular Coagulation 

4. Fatty Liver of Pregnancy 

5. HELLP Syndrome (Haemolysis, elevated liver enzymes, low platelet count)

6. Placenta Increta/Percreta 

7. Postpartum Haemorrhage requiring Hysterectomy
 
8. Pre-Eclampsia or Eclampsia 

9. Still Birth 

10. Uterine Rupture
 

1. Abruptio Placentae

2. Acute fatty liver of pregnancy

3. Amniotic Fluid Embolism

4. Choriocarcinoma and malignant hydatidiform mole

5. Disseminated Intravascular Coagulation 

6. Ectopic pregnancy

7. Placenta Increta/Percreta 

8. Postpartum Haemorrhage requiring Hysterectomy
 
9. Pre-Eclampsia or Eclampsia
 
10. Still Birth
 

1. Abruptio Placentae

2. Amniotic Fluid Embolism

3. Choriocarcinoma and malignant hydatidiform mole

4. Disseminated Intravascular Coagulation 

5. Ectopic pregnancy

6. Fatty liver of pregnancy 

7. Gestational Diabetes Mellitus resulting in Foetal Macrosomia and Neo Natal Hypoglycaemia

8. HELLP Syndrome (Haemolysis, elevated liver enzymes, low platelet count) 

9. Miscarriage due to accident

10. Placenta Increta/Percreta

11. Postpartum Haemorrhage requiring Hysterectomy
 

1. Abruptio Placentae

2. Amniotic Fluid Embolism

3. Choriocarcinoma and malignant hydatidiform mole

4. Disseminated Intravascular Coagulation 

5. Fatty liver of pregnancy

6. Gestational Diabetes Mellitus resulting in Foetal Macrosomia and Neo Natal Hypoglycaemia

7. HELLP Syndrome

8. Incompetent Cervix leading to preterm birth

9. Miscarriage due to accident

10. Placenta Increta/Percreta

11. Postpartum Haemorrhage requiring Hysterectomy

12. Pre-Eclampsia with severe features or Eclampsia

13. Still Birth

14. Uterine Rupture

15. Vasa Previa
 
Hospital Care benefit cover limit 1% of sum assured for each day of hospitalization (up to 30 days) 1% of sum assured for each day of hospitalization (up to 30 days) 1% of sum assured for each day of hospitalization (up to 30 days) 2% of the Sum Assured for each day of hospitalization, up to 60% of the Sum Assured (up to 30 days)
Hospital Care benefit conditions
1. Abruptio Placentae 

2. Amniotic Fluid Embolism 

3. Disseminated Intravascular Coagulation 

4. Fatty Liver of Pregnancy 

5. HELLP Syndrome (Haemolysis, elevated liver enzymes, low platelet count) 

6. Inpatient Psychiatric Treatment 

7. Placenta Increta/Percreta 

8. Post-natal Anaemia 

9. Postpartum Haemorrhage requiring Hysterectomy 

10. Pre-Eclampsia or Eclampsia 

11. Puerperal Pyrexia 

12. Pulmonary Embolism 

13. Repair of 4th Degree Perineal Tear 

14. Septic Pelvic Thrombophlebitis 

15. Still Birth 

16. Surgical Site Infection following Caesarian Section 

17. Uterine Infection or Transfusion Due to Retained Placenta Following Childbirth 

18. Uterine Rupture
 

1. Inpatient psychiatric treatment

2. Post-natal anaemia

3. Puerperal pyrexia

4. Pulmonary embolism

5. Repair of 4th degree perineal tear 

6. Septic pelvic thrombophlebitis 

7. Surgical site infection following caesarian section 

8. Uterine infection or transfusion due to retained placenta following childbirth
 

1. Inpatient psychiatric treatment

2. Post-natal anaemia

3. Puerperal pyrexia

4. Pulmonary embolism

5. Repair of 4th degree perineal tear 

6. Septic pelvic thrombophlebitis 

7. Surgical site infection following caesarian section

8. Uterine infection or transfusion due to retained placenta following childbirth
 

1. Due to any of the pregnancy complications listed under the Pregnancy Complications Benefit

2. Complications of Lactational Mastitis

3. Inpatient Psychiatric Treatment

4. Post-natal Anaemia

5. Puerperal Pyrexia

6. Pulmonary Embolism

7. Repair of 4th Degree Perineal Tear

8. Septic Pelvic Thrombophlebitis

9. Surgical Site Infection following Caesarean Section

10. Uterine Infection or Transfusion due to Retained Placenta following Childbirth
 
Early Delivery by Caesarean Section Benefit for Mother NA NA NA 15% of the Sum Assured is payable once
Child's Benefit
Death 100% of sum assured
Congenital Benefits cover limit 100% of sum assured
List of Congenital complications
1. Absence of Two Limbs 

2. Anal Atresia 

3. Atrial Septal Defect 

4. Biliary Atresia
 
5. Cerebral Palsy 

6. Cleft Lip and Cleft Palate 

7. Club Foot 

8. Congenital Blindness 

9. Congenital Cataract 

10. Congenital Deafness 

11. Congenital Diaphragmatic Hernia 

12. Congenital Hypertrophic Pyloric Stenosis 

13. Development Dysplasia of the Hip 

14. Down’s Syndrome 

15. Infantile Hydrocephalus 
16. Patent Ductus Arteriosus 

17. Retinopathy of Prematurity 

18. Spina Bifida 

19. Tetralogy of Fallot

20. Trancheo-esophageal Fistula or Esophageal Atresia 

21. Transposition of The Great Vessels 

22. Truncus Arteriosus 

23. Ventricular Septal Defect


1. Absence of two limbs

2. Anal Atresia
 
3. Atrial Septal Defect 

4. Biliary Atresia 

5. Cerebral Palsy 

6. Cleft Lip and Cleft Palate 

7. Club Foot
 
8. Congenital Blindness 

9. Congenital Cataract 

10. Congenital Deafness 

11. Congenital Diaphragmatic Hernia 

12. Congenital Hypertrophic Pyloric Stenosis 

13. Development Dysplasia of the Hip 

14. Down’s Syndrome 

15. Infantile Hydrocephalus 

16. Patent Ductus Arteriosus 

17. Retinopathy of Prematurity 

18. Spina Bifida
 
19. Tetralogy of Fallot

20. Trancheo-esophageal Fistula or Esophageal Atresia 

21. Transposition of The Great Vessels 

22. Truncus Arteriosus 

23. Ventricular Septal Defect


1. Absence of two limbs

2. Anal Atresia 

3. Atrial Septal Defect 

4. Biliary Atresia 

5. Cerebral Palsy
 
6. Cleft Lip and Cleft Palate 

7. Club Foot 

8. Congenital Blindness 

9. Congenital Cataract 

10. Congenital Deafness 

11. Congenital Diaphragmatic Hernia 

12. Congenital dislocation of hip

13. Congenital Hypertrophic Pyloric Stenosis 

14. Development Dysplasia of the Hip 

15. Down’s Syndrome 

16. Infantile Hydrocephalus 

17. Patent Ductus Arteriosus 

18. Retinopathy of Prematurity 

19. Spina Bifida
 
20. Tetralogy of Fallot

21. Trancheo-esophageal Fistula or Esophageal Atresia 

22. Transposition of The Great Vessels 

23. Truncus Arteriosus 

24. Ventricular Septal Defect

1. Absence of two limbs

2. Anal Atresia 

3. Atrial Septal Defect 

4. Biliary Atresia 

5. Cerebral Palsy 

6. Cleft Lip and Cleft Palate 

7. Club Foot 

8. Coarctation of the Aorta

9. Congenital Abnormalities of the Kidney and Urinary Tract (CAKUT)

10. Congenital Blindness 

11. Congenital Cataract 

12. Congenital Deafness 

13. Congenital Diaphragmatic Hernia 

14. Congenital dislocation of hip

15. Congenital Hypertrophic Pyloric Stenosis
 
16. Development Dysplasia of the Hip 

17. Down’s Syndrome 

18. Infantile Hydrocephalus 

19. Patent Ductus Arteriosus 

20. Retinopathy of Prematurity 

21. Spina Bifida 

22. Tetralogy Fallot

23. Trancheo-esophageal Fistula or Esophageal Atresia 

24. Transposition of The Great Vessels 

25. Truncus Arteriosus 

26. Ventricular Septal Defect
Hospital Care benefit cover limit 1% of sum assured for each day of hospitalization, up to 30 days 1% of sum assured for each day of hospitalization, up to 30 days 1% of sum assured for each day of hospitalization, up to 30 days 2% of the Sum Assured for each day of hospitalization, up to 60% of the Sum Assured (up to 30 days)
List of Hospital Care conditions
1. Admission into Neonatal Intensive Care (NICU) / High Dependency Unit (HDU) 

2. Hand, Foot and Mouth Disease 

3. Incubation of the Newborn Child for more than 3 consecutive days immediately following Birth 

4. Phototherapy or Blood Transfusion for Severe Neonatal Jaundice 

5. Premature Birth requiring NICU/HDU
 

1. Bronchitis (including other lower respiratory tract infection)

2. Dengue haemorrhagic fever

3. Hand, foot and mouth disease

4. Incubation immediately after birth for more than 3 consecutive days 

5. Phototherapy or blood transfusion for severe neonatal jaundice 

6. Pneumonia

7. Premature birth
 

1. Admission in ICU/HDU

2. Hospitalisation due to HFMD

3. Incubation of newborn child

4. Phototherapy of blood transfusion for severe neonatal jaundice

5. Premature birth requiring care in neonatal ICU/HDU
 


1. Admission into ICU or HDU

2. Avian Influenza A (H7N9) and (H5N1)

3. Chikungunya Fever

4. Creutzfeldt-Jakob Disease

5. Dengue Haemorrhagic Fever

6. Ebola

7. Hospitalisation as an inpatient due to Hand, Foot and Mouth Disease

8. Incubation of the newborn Child for more than three consecutive days immediately following birth

9. Japanese Encephalitis

10. Malaria

11. Nipah Virus Encephalitis

12. Phototherapy or blood transfusion for severe neonatal jaundice

13. Premature birth requiring neo-natal ICU or HDU

14. Rabies

15. Severe Measles

16. Typhoid Fever

17. Zika Virus

Outpatient phototherapy 1% of sum assured for each day of hospitalization, up to 30 days 1% of the sum assured for each day the phototherapy machine is rented, up to 10% of the sum assured 1% of the sum assured for each day the phototherapy machine is rented, up to 10% of the sum assured 2% of the Sum Assured for each day of hospitalization, up to 60% of the Sum Assured (up to 30 days)
Stem cell treatment (for transplant surgery only) 50% of sum assured NA NA NA
Developmental delay 10% of sum assured NA NA 15% of the Sum Assured (capped at $3,000) is payable once

Applying for life plan after birth of child

Option to buy any eligible policy for the insured child, without any medical underwriting within 90 days from birth of child The insured mother is allowed to buy a new policy for the insured child, based on a simplified health declaration within 60 days from birth of child Guaranteed Issuance benefit of any eligible plan for insured child without medical underwriting within 90 days from birth of child Option to transfer the bundled plan to the newborn child within 60 days from the birth of child

 

Getting the best maternity insurance in Singapore

 

Finding the best maternity insurance in Singapore can be a daunting task, so we've done the research for you. Get the best maternity insurance plan in Singapore for you and your family. Our partnered financial advisors will provide you with quotes from the market's leading insurers so that you can choose the best maternity Insurance for your needs and budget.

 


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