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Maternity insurance in Singapore typically includes coverage for prenatal checkups, delivery, postnatal care, and newborn complications. Top providers such as Cigna, Allianz, AXA, and VUMI offer international plans with varying limits, benefits, and waiting periods. These plans are essential for managing the high cost of pregnancy and childbirth in Singapore’s private healthcare system.
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Choosing the right maternity insurance means looking for comprehensive coverage that matches your medical needs and timeline. Most plans require a waiting period of 12 to 24 months, so early planning is crucial. This Pacific Prime guide compares top plans available in Singapore and outlines what each provider offers to help you make an informed decision.
Are you planning on starting a family in Singapore and want to know more about maternity coverage? Do you want to know which plan will provide you with the most comprehensive coverage during pregnancy and birth? This guide will answer all your questions and more.
We will discuss what maternity insurance is, what it covers, and who some of the top maternity insurance providers are on the market today. Keep reading to learn all about the best maternity insurance plans in Singapore!
What Does Maternity Insurance Cover?
Maternity insurance provides financial protection to expectant mothers during pregnancy and childbirth. It covers different healthcare services in prenatal and postnatal care, and some plans also offer congenital birth defects coverage for the newborn baby as well.
Maternity insurance is an excellent option for those expecting in Singapore, as maternity care can quickly add up in cost. Singapore is known worldwide as one of the most expensive places to receive healthcare, and having a baby there is no different.
It is also important to note that most maternity plans have a 12 to 24-month waiting period. What this means is that you will need to have your insurance for as long as the waiting period entails before you can take advantage of the coverage. Without waiting long enough, you will not be eligible for coverage.
Top Maternity Insurance Plans in Singapore
Leading international health insurance providers like Cigna, Allianz, AXA, and VUMI are well-known for their top-quality health insurance plans with maternity coverage. While the best maternity plan will vary depending on what policyholders need and value, these insurers offer great choices.
Maternity coverage is often added to standing international health insurance policies as an additional rider to customize coverage, but some providers may also offer maternity insurance as a standalone plan.
We will discuss these providers and their plans below to help you get a better understanding of what they have to offer.
Allianz Maternity Insurance Details
Allianz offers comprehensive global maternity insurance through their Bloom and Bloom Plus plans, which can be added to their Care Pro or Care Plus plans. They also offer additional benefits like pregnancy yoga, breastfeeding support, and postnatal counseling services.
Here is a table comparing the maternity benefits between plans, with all dollar amounts in USD:
|
Allianz Care Bloom and Bloom Plus Maternity Benefits |
||
| Bloom | Bloom Plus | |
| Routine Maternity Care | Up to $6,750 per pregnancy | Up to $13,500 per pregnancy |
| Childbirth Complications | Up to $13,500 per pregnancy | Up to $20,250 per pregnancy |
Allianz has a waiting period of 10 to 18 months for their maternity coverage.
Cigna Maternity Plan Benefits
Cigna Global offers maternity coverage through their Gold and Platinum plans to families all around the world. As the largest international insurer on the market today, Cigna offers comprehensive maternity coverage.
Here is a table comparing the maternity benefits between plans, with all dollar amounts in USD:
|
Cigna Gold and Platinum Plan Maternity Benefits |
||
| Gold | Platinum | |
| Routine Maternity Care | Up to $7,000 | Up to $14,000 |
| Maternity Complications | Up to $14,000 | Up to $28,000 |
| Newborn Care | Up to $75,000 | Up to $156,000 |
Cigna Global has a waiting period of 24 months for their maternity insurance.
AXA Coverage for Expecting Mothers
AXA is a global provider that offers maternity insurance coverage through their Prestige and Prestige Plus plans. They offer comprehensive benefits to support expecting parents throughout pregnancy and after birth, and other resources like phone access to a team of midwives.
Here is a table comparing the maternity benefits between plans, with all dollar amounts in USD:
|
AXA Global Prestige Plan Maternity Benefits |
||
| Prestige | Prestige Plus | |
| Maternity & Birth Complications | Up to annual limit | Up to annual limit |
| Maternity Care | Up to $16,000 | Up to $19,200 |
| Newborn Care | Covered | Covered |
AXA has a waiting period of 18 months for maternity insurance coverage.
VUMI Maternity and Fertility Plan Options
VUMI offers international health insurance through their Global Flex VIP plans with varying coverage limits for maternity coverage. Their plans come in three main categories: Total, Ultra, and Superior, with different options available for deductibles and copayments.
An additional benefit of the Global Flex VIP Ultra plan is fertility treatment coverage for up to USD$10,000 per lifetime and up to US$2,500 per attempt.
Here is a table comparing the maternity benefits between plans, with all dollar amounts in USD:
|
VUMI Global VIP Plans Maternity Benefits |
|||
| Global Flex VIP Total | Global Flex VIP Ultra | Global Flex VIP Superior | |
| Maternity & Birth Complications | Up to policy maximum | Up to policy maximum | Up to policy maximum |
| Maternity Care | Up to $20,000 | Up to $15,000 | Up to $12,500 |
| Newborn Care | Up to $150,000 | Up to $125,000 | Up to $100,000 |
VUMI has a waiting period of 12 months for maternity insurance coverage.
There are plenty of other providers out there with maternity insurance coverage that may be just the right fit for you. To hear more about these plans or to learn more about other international insurance providers, reach out to us at Pacific Prime.
You can speak directly with one of our insurance experts, or you can use our free quote tool to begin comparing plans on your own.
How to Choose the Right Maternity Plan
If you are shopping for maternity coverage, you should consider several factors, such as your ideal budget and personal needs and preferences in benefits. Keeping these factors in mind as you compare plans can help you find the best plan for your needs.
- Consider Your Needs and Preferences: How much financial protection do you need to feel protected? How often do you plan on using healthcare services while pregnant? These are all questions you can ask to help determine what you need in your plan.
- Consider Your Budget: While the affordability of your plan is important, it’s advisable not to pick the cheapest available plan just because it’s inexpensive. It may lack the necessary coverage you need in the case of unforeseen circumstances.
- Consider Possible Exclusions: Check to see if the plan you’re applying for has any eligibility requirements you may not fill, due to things like your residency status or any pre-existing conditions.
- Consider Your Timing: Most maternity insurance plans have waiting periods of 12 to 24 months, so it’s important to ensure that you will have waited an adequate amount of time before you get pregnant. Don’t choose a plan with a waiting period you cannot follow.
Optional Additional Maternity Benefits
Depending on the plan, policyholders have the choice of customizing their maternity coverage with additional benefits like pregnancy yoga, breastfeeding consultation and support, and postnatal counseling.
These benefits can help the overall well-being and health of mothers by providing invaluable support during their pregnancies and after birth. The best maternity insurance plans may offer these benefits.
- Pregnancy Yoga: Prenatal yoga is a type of yoga designed for pregnant women. It can help improve the mother’s health and well-being as a way to safely exercise and stretch her body.
- Breastfeeding Consultation and Support: Learning to breastfeed your baby can be a hard adjustment at first, and lactation consultants are here to help. With this additional benefit, you can call and request home visits from breastfeeding experts.
- Postnatal Counseling: Counseling after you’ve had your baby can be a valuable resource for you as you navigate parenthood. This benefit can especially be of worth to new mothers who are struggling with postpartum depression.
Frequently Asked Questions:
What is the typical waiting period for maternity coverage in Singapore?
A general waiting period for maternity coverage ranges from 12 to 24 months. This can change from policy to policy, so it’s important to check the details of your plan documents. However, it is always good practice to plan ahead when securing maternity coverage so you are adequately covered.
Who is the best insurance provider for maternity coverage in Singapore?
The best maternity insurance provider will vary from person to person depending on what they need and value in a plan, but some of the leading providers who provide top-quality maternity coverage are Cigna, Allianz, AXA, and VUMI.
Is infertility coverage included in maternity insurance plans?
Not every maternity insurance plan will cover infertility treatments such as IVF, but more premium plans can. Allianz Care’s most premium international health insurance plan, Global Flex VIP Ultra, offers infertility treatment coverage of up to USD$10,000 per lifetime.
Can I add maternity coverage to my existing health insurance plan?
You may be able to add maternity coverage to your existing health insurance policy as an optional rider, but you will need to double-check with your provider and the specific plan you chose. If you don’t have the option of adding the coverage, you can look for a stand-alone maternity plan.
Conclusion:
The best maternity insurance plans in Singapore will have the right coverage for your specific needs. They will generally provide coverage for things like prenatal and postnatal care, childbirth, complications, and more. Finding the right plan can provide financial support for mothers-to-be.
Using an insurance broker like Pacific Prime to find the best maternity insurance plan in Singapore can simplify and expedite the process, making your job much easier. An insurance broker is an unbiased, free resource for those looking for insurance plans to fit their needs.
Start your search for maternity coverage in Singapore by reaching out to Pacific Prime! With over 20 years of experience in providing insurance to clients across the world, we know the ins and outs of the industry and can help you find the best plan for your needs.
Want to read more about maternity insurance in Singapore? Read our articles on Obtaining Maternity Insurance During Pregnancy in Singapore and Exploring the Benefits of Giving Birth in Singapore for Expats.
Visit us online and use our free quote tool to begin comparing plans today!
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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