Insurance Empire | Best Maternity Insurance in Singapore | Best Maternity plan | Compare the best maternity insurance in Singapore

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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	HSBC
Maternity Plan	Singlife Maternity Care	Maternity 360	Readymummy	HappyMummy/ HappyFamily - EmpoweredMum
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.