How Maternity Insurance Works: When Should I Get It?


pregnant woman sitting in living room

Singapore is known for its high standards in healthcare, and maternity care is no exception. However, great care comes at a cost. Although we hope that your pregnancy journey will be a smooth one, it can sometimes be unpredictable and challenging.


If you’re planning on having a baby, consider getting maternity insurance early. This is because the price of the premium is the same whether you’re getting it at 13 weeks or 30 weeks -- and more protection is always better in this case!



What is maternity insurance?

pregnant woman sitting with insurance broker

Also known as pregnancy insurance, maternity insurance is a form of health insurance that covers unexpected complications that arise during pregnancy and delivery for both mother and the child.


It’s worth noting that it doesn’t cover the cost of delivery and hospitalisation bills, though. It comes in the form of a lump sum payout or daily hospital cash to cover additional medical costs.







What does it cover?


Pregnancy complications

sick pregnant woman

The payout specifically covers pregnancy complications. Depending on the insurer you’re getting the maternity insurance from, the range may vary slightly, but would generally cover:

  1. Abruptio placentae

  2. Amniotic fluid embolism

  3. Disseminated intravascular coagulation

  4. Fatty liver of pregnancy

  5. Placenta increta / percreta

  6. Postpartum haemorrhage requiring hysterectomy

  7. Pre-Eclampsia / eclampsia

  8. Stillbirth



Congenital disorders

stethoscope checking on heart disease concept photo
  1. Anal atresia

  2. Atrial septal defect

  3. Absence of two limbs

  4. Cleft palate / cleft lip

  5. Cerebral palsy

  6. Clubfoot

  7. Congenital dislocation of the hip

  8. Congenital cataract

  9. Congenital deafness

  10. Congenital diaphragmatic hernia

  11. Down syndrome

  12. Infantile hydrocephalus

  13. Retinopathy of prematurity

  14. Spina bifida

  15. Tetralogy fallot

  16. Transposition of great vessel

  17. Truncus arteriosus

  18. Ventricular septal defect



Cash Benefits

cash and coins on jar

Depending on the policy you choose, you may receive cash payouts if you or your baby are warded for the conditions covered.













When should I purchase maternity insurance?

Those who are between 18 and 45 years old and are already pregnant may purchase maternity insurance. Policies generally begin for mums who are a minimum of 13 weeks pregnant -- again, this may vary slightly depending on the provider of the policy.


It’s advisable to get your maternity insurance as early as you can, since it provides you with protection for any complications that might arise during pregnancy.



Is it worth it?