Maternity & Newborn Insurance Policies in Singapore

MediSave Maternity Package

Up to $550 for the first two days and $400 for the third and subsequent day in the hospital and applicable surgical withdrawal limit ($750 - $3,950) depending on the delivery procedure, plus an additional $900 for pre-delivery medical expenses.

Medical Expense Insurance

Cover inpatient pregnancy complications, but not every pregnancy complication is covered. This benefit may be restricted to a pre-defined list of pregnancy complications, including but not limited to:

• ectopic pregnancy;

• pre-eclampsia or eclampsia;

• disseminated intravascular coagulation;

• miscarriage after 13 weeks of pregnancy (not resulting from voluntaryor malicious act that is medically necessary);

• antepartum haemorrhage;

• intrauterine death;

• choriocarcinoma and hydatidiform mole, which is the occurrence of ahistologically confirmed choriocarcinoma and/or molar pregnancy;

• acute fatty liver pregnancy;

• breech delivery;

• placenta previa; and

• postpartum haemorrhage.

Critical Illness Insurance Covers Pregnancy Complications

• 🤰 Coverage Duration: Typically valid for three to six years.

• 💰 Benefits: Provides a fixed lump sum benefit for pregnancy complications affecting either the mother or congenital illnesses of the child.

• 🏥 Hospital Cash Benefit: May be provided if the mother or child is hospitalized due to covered complications. Benefits may also be extended to cover developmental delay of the child or even death of the mother or the child.

• 👶 Number of Babies Covered: Up to four babies may be covered in a single pregnancy.

• 🔄 Optional Coverage: Higher premiums may extend coverage to pregnancies through assisted reproduction like In Vitro Fertilisation (IVF).

• ⏳ Eligibility Criteria: Applicants typically aged between 18 to 45 years and within 13 to 36 weeks of pregnancy at the time of application. Coverage can be standalone or a rider to a life policy.

• 📣 Note that this plan does not typically cover the usual costs of giving birth where the mother and/or the child do not suffer any complications arising from the pregnancy or the birth.

Various insurance policies have exclusions related to pregnancy, childbirth, and associated conditions, with coverage limited to specific circumstances or complications:

• 🤰 MediShield Life does not cover routine pregnancy, childbirth, or abortions, but does cover serious complications related to pregnancy and childbirth.

• 🏥 Medical Expense's Surgical Procedures Or Examinations exclude coverage for pregnancy, childbirth and their related complications, abortion, miscarriage (unless due to injury), and pre-natal or postnatal care.

• 🩺 Disability Income Insurance excludes coverage for pregnancy, childbirth, or complications unless disability extends beyond 90 days post-termination of pregnancy.

• 💵 Hospital Cash Insurance does not cover pregnancy, miscarriage, childbirth, abortion, birth control, or infertility.

• ✈️ Travel Insurance typically excludes coverage for pregnancy, childbirth, or associated sickness.

*Please take note that each insurer has its own list of conditions covered and their exclusions. Kindly consult your agent for more info.

孕妇和宝宝保险干货

孕妇福利计划 (MediSave Maternity Package)

头两天最多为$550，第3天及以后每天最多为$400，并根据分娩方式限制外科手术的赔付数额（$750 - $3,950），再加上额外的$900用于分娩前的医疗费用。

医疗费用保险

覆盖住院期间的妊娠并发症，但须知并非所有妊娠并发症都在其保障范围内。此项福利可能仅适用于预先定义的妊娠并发症，包括但不限于：

▪ 宫外孕；

▪ 先兆子痫或子痫；

▪ 弥散性血管内凝血；

▪ 13周以上的流产（不是由于医疗必要的自愿或恶意行为导致）；

▪ 产前出血；

▪ 子宫内死亡；

▪ 绒毛膜癌和滋养层水泡瘤，即组织学上确认的绒毛膜癌和/或水泡性妊娠的发生；

▪ 妊娠急性脂肪肝；

▪ 臀位分娩；

▪ 前置胎盘；

▪ 产后出血。

重大疾病保险所覆盖的妊娠并发症

• 🤰 保障期限：通常为三至六年。

• 💰 福利：涵盖妈妈的妊娠相关并发症和宝宝的先天性疾病，并提供固定数额的一次性福利金。

• 🏥 现金福利：提供福利金给因涵盖的并发症而住院的妈妈或宝宝。福利也可能扩展到包括宝宝的发育迟缓甚至是妈妈或宝宝的死亡。

• 👶 覆盖的宝宝数量：在一次怀孕中最多可覆盖四个宝宝。

• 🔄 可选覆盖范围：缴纳更高的保费可覆盖通过辅助生殖如体外受精（IVF）进行的怀孕。

• ⏳ 资格标准：申请人通常年龄介于18至45岁之间，并在怀孕13至36周之间申请保单。可购买独立的保单或寿险的附加险以得到保障。

• 📣 请注意，除非妈妈和/或宝宝由于怀孕或分娩而发生任何并发症，此保险通常不覆盖正常分娩的常规费用。

各种保险政策对妊娠、分娩和相关情况有排除条款，其覆盖范围可限于特定情况或并发症：

• 🤰 MediShield Life 不覆盖常规怀孕、分娩或流产，但覆盖与怀孕和分娩相关的严重并发症。

• 🏥 医疗费用保险的外科手术或检查不包括对怀孕、分娩及其相关并发症、堕胎、流产（除非由于受伤）、产前或产后护理的保障。

• 🩺 残疾收入保险不包括怀孕、分娩或其并发症的保障，除非怀孕终止后的90天以后仍有其残疾。

• 💵 🏥现金保险不覆盖怀孕、流产、分娩、堕胎、避孕或不孕症。

• ✈️ 旅行保险通常不包括怀孕、分娩或相关疾病的保障。

*请注意，每家保险🏢都有其自己的被保条件和排除条款清单。请咨询你的保险顾问以获取更多信息。