Maternity Insurance Singapore
Comprehensive pregnancy coverage and maternity benefits to protect you and your baby during this precious journey
Get Maternity QuoteWhat is Maternity Insurance in Singapore?
Maternity insurance provides financial coverage for pregnancy-related medical expenses, including pre-natal care, delivery costs, and post-natal treatment in Singapore's healthcare system.
Comprehensive Pregnancy Care
Coverage from conception through delivery and recovery
Financial Protection
Protects against high delivery and medical costs
Emergency Coverage
Protection against complications and unexpected costs
Why You Need Maternity Insurance
- High delivery costs in Singapore (up to S$18,000)
- Coverage for pre-natal and post-natal care
- Protection against pregnancy complications
- Choice of private hospitals and specialists
- New-born immediate care coverage
Pregnancy & Delivery Costs in Singapore
| Procedure | Public Hospital (Subsidized) | Private Hospital |
|---|---|---|
| Normal Delivery (Public Hospital) | S$1,500 - S$2,500 | S$8,000 - S$12,000 |
| C-Section (Public Hospital) | S$2,500 - S$4,000 | S$12,000 - S$18,000 |
| Pre-natal Care (9 months) | S$500 - S$800 | S$3,000 - S$5,000 |
| Complications/Emergency | S$3,000 - S$8,000 | S$15,000 - S$30,000 |
Important Cost Considerations
These costs can vary significantly based on complications, length of stay, and chosen hospital. Private hospitals offer more comfort but cost substantially more. Maternity insurance helps bridge this cost gap.
Best Maternity Insurance Plans Singapore
AIA Singapore
HealthShield Gold Max with Maternity
Great Eastern
SupremeHealth with Maternity Rider
Prudential Singapore
PRUShield Premier with Maternity
NTUC Income
IncomeShield with Maternity Benefit
Maternity Insurance Coverage Details
What's Usually Covered
Common Exclusions
Maternity Insurance Waiting Periods
10-Month Waiting Period
Most insurers require 10 months waiting period before maternity benefits begin
Plan Ahead: Purchase before trying to conceive
Family Planning
Consider maternity coverage as part of family health insurance planning
Tip: Some plans cover multiple pregnancies
Emergency Coverage
Emergency complications may have shorter or no waiting periods
Note: Check emergency clause details
How to Choose the Right Maternity Insurance
Coverage Amount
Ensure coverage amount is sufficient for your preferred hospital and potential complications.
Waiting Period
Compare waiting periods between insurers - typically 10-12 months before coverage begins.
Hospital Network
Check which hospitals and specialists are covered under your preferred plan.
Premium Costs
Balance premium costs with coverage benefits - higher premiums often mean better coverage.
Pre-existing Conditions
Understand how pre-existing conditions affect coverage and premium calculations.
Additional Benefits
Look for extra benefits like new-born coverage, lactation support, and post-natal care.
Frequently Asked Questions
When should I buy maternity insurance?
Purchase maternity insurance at least 10-12 months before planning to conceive, as most plans have waiting periods.
Does maternity insurance cover IVF treatment?
Most standard maternity insurance plans do not cover fertility treatments. Check specific policy terms or consider specialized fertility coverage.
Can I use Medisave for maternity expenses?
Yes, you can use Medisave for delivery expenses up to S$900 for normal delivery and S$1,200 for C-section, subject to conditions.
What happens if I have complications during pregnancy?
Pregnancy complications are typically covered under maternity insurance, but coverage limits and specific conditions may apply.
Does maternity insurance cover multiple pregnancies?
Coverage varies by insurer. Some plans cover unlimited pregnancies while others have limits. Check your policy details.
Can I add maternity coverage to existing health insurance?
Yes, many insurers offer maternity coverage as a rider to existing health insurance plans, subject to waiting periods.
Protect Your Pregnancy Journey Today
Get comprehensive maternity insurance coverage and peace of mind for you and your baby