Maternity Insurance Singapore 2025
Comprehensive guide to pregnancy and delivery coverage. Compare maternity benefits from Singapore's top health insurers.
Quick Answer: What Does Maternity Insurance Cover?
Most Integrated Shield Plans cover pregnancy complications and delivery after a 10-12 month waiting period. Normal delivery costs S$5,000-18,000, C-sections S$8,000-35,000. Prenatal care usually requires an additional rider.
Understanding Maternity Coverage in Singapore
Planning for a baby? Here's what you need to know about health insurance coverage for pregnancy and delivery in Singapore.
Waiting Period
Most insurers require 10-12 months of coverage before conception for maternity benefits to apply. Plan ahead before trying to conceive.
- AIA: 12 months
- Great Eastern: 10 months
- Prudential: 12 months
- NTUC Income: 10 months
What's Covered
Standard Integrated Shield Plans cover pregnancy complications and delivery. Additional riders extend coverage.
- Hospital delivery
- C-section (medically necessary)
- Pregnancy complications
- Newborn care (14 days)
What's NOT Covered
Some maternity expenses require additional coverage or are excluded entirely from standard plans.
- Routine prenatal checkups
- Fertility treatments
- Elective C-sections
- Confinement care
Pregnancy & Delivery Costs in Singapore
What to expect for maternity expenses and insurance coverage
| Expense | Typical Cost | Insurance Coverage |
|---|---|---|
| Normal Delivery (Public) | S$5,000-8,000 | Yes - MediShield Life |
| Normal Delivery (Private) | S$10,000-18,000 | Yes - with IP |
| C-Section (Public) | S$8,000-15,000 | Yes - MediShield Life |
| C-Section (Private) | S$18,000-35,000 | Yes - with IP |
| Prenatal Care (9 months) | S$1,500-4,000 | Rider required |
| Epidural | S$500-1,500 | Yes - most plans |
| NICU (per day) | S$1,000-3,000 | Yes - complications |
Important: Plan Before Pregnancy
Due to the 10-12 month waiting period, you should purchase maternity coverage at least 1 year before planning to conceive. If you're already pregnant, the current pregnancy won't be covered, but you can still get coverage for future pregnancies.
Compare Maternity Coverage by Provider
See how Singapore's top insurers compare for pregnancy benefits
AIA
HealthShield Gold Max
Great Eastern
GREAT SupremeHealth
Prudential
PRUShield Premier
NTUC Income
Enhanced IncomeShield
Maternity Insurance FAQ
Common questions about pregnancy coverage in Singapore
Does health insurance cover pregnancy in Singapore?
Most Integrated Shield Plans cover pregnancy complications and delivery if you've held the policy for at least 10-12 months before conception. Normal delivery is typically covered under hospitalization benefits, while complications like C-sections and premature births receive additional coverage. However, routine prenatal checkups are usually not covered unless you have a rider.
How much does maternity insurance cost in Singapore?
Maternity-specific riders cost S$200-500 per year on top of your base health insurance premium. Full maternity coverage including prenatal, delivery, and postnatal care costs S$1,000-3,000 annually. Some comprehensive private health plans include maternity benefits starting from S$300-600 per month.
What is the waiting period for maternity coverage?
Most insurers require a 10-12 month waiting period before maternity benefits kick in. This means you must hold the policy for at least 10-12 months before conception for pregnancy-related claims to be covered. Some plans have longer waiting periods of up to 24 months for certain benefits.
Are C-sections covered by health insurance in Singapore?
Yes, medically necessary C-sections are covered by most Integrated Shield Plans and private health insurance. Elective C-sections may have limited coverage or require pre-authorization. Coverage typically ranges from S$15,000-50,000 depending on your plan tier and hospital choice.
What maternity expenses are NOT covered by insurance?
Typically not covered: routine prenatal checkups (unless rider purchased), fertility treatments, elective procedures, confinement nanny costs, baby items, voluntary sterilization, and pregnancy within the waiting period. Pre-existing pregnancy conditions may also be excluded.
Can I buy maternity insurance if I'm already pregnant?
Most insurers will not cover the current pregnancy if you purchase insurance after conception. You can still buy a policy, but maternity benefits will only apply to future pregnancies after the waiting period. Some standalone maternity plans may offer limited coverage for existing pregnancies at higher premiums.
Which hospital should I choose for delivery in Singapore?
Public hospitals (KKH, NUH, SGH) cost S$5,000-15,000 for normal delivery. Private hospitals (Mount Elizabeth, Thomson, Gleneagles) cost S$10,000-30,000+. Your Integrated Shield Plan coverage level determines which hospitals are fully covered. Private hospital plans offer single rooms and specialist choice.
Does MediShield Life cover pregnancy?
MediShield Life covers pregnancy complications and delivery at subsidized ward rates in public hospitals. It does not cover routine prenatal care. For private hospital delivery or single-room wards, you need an Integrated Shield Plan. MediShield Life has no waiting period for pregnancy coverage.
Ready to Get Maternity Coverage?
Compare plans from Singapore's top insurers and find the best coverage for your growing family.