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The cost of expat maternity insurance in Singapore depends on multiple factors such as maternal age, insurance company, and coverage selections. Maternity insurance with a waiting period of 24 months starts at $307 monthly for a 25-year-old expat woman living in Singapore.
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Are you looking for maternity insurance while living abroad in Singapore? Perhaps you’re planning to start or grow your family.
Keep reading to learn more about the price of maternity insurance in Singapore. In this article, we’ll explore how factors like maternal age, benefit limits, and the insurance company affect the price of insurance premiums for expats in Singapore.
For more information about maternity insurance in Singapore, check out this blog post too!
The Cost of Expat Maternity Insurance in Singapore
Maternity insurance plans for expats in Singapore start at USD $307 monthly for a 25-year-old woman through Liberty ProMedico’s comprehensive Prime plan with an annual benefit limit of USD $366,900. The waiting period before coverage begins on this policy is 24 months.
The cost of expat maternity insurance depends on age, insurance company, and coverage selections.
We’ll take a closer look at the maternity insurance plans available by insurers and then discuss the factors that impact those estimates. The most accurate way to determine the price of maternity insurance coverage for your situation is to compare quotes with your information and coverage selections.
Singapore Expat Maternity Insurance Premiums by Company
Premiums for expat maternity insurance in Singapore vary by company. Coverage for maternity insurance starts at USD $307 monthly but may cost up to $2,374 monthly depending on the insurer. There are other factors in the cost, but savings vary from company to company.
Many insurance companies offer multiple policies with a variety of plans and coverage options. Here are the most affordable maternity insurance plans offered by each insurer in the following table. The listed premiums are the result of using a quote generator for a hypothetical expat aged 25 in Singapore.
| Quick Comparison of the Most Affordable Expat Maternity Plans from Each Insurer in Singapore | |||
| Insurer | Monthly Premium (USD) | Waiting Period | Maximum Routine Maternity Benefit |
| Liberty ProMedico | $307 | 24 months | $9,906 |
| April | $494 | 12 months | $5,000 |
| Allianz | $504 | 10 months | $6,750 |
| Bupa | $623 | 24 months | $13,600 inpatient/ $5,100 outpatient |
| Henner | $748 | 12 months | $14,440 |
| HSBC Life | $824 | 12 months | $17,600 |
Please keep in mind that these estimated premiums are for informational purposes only. For an accurate quote and to explore more options and plan selection information, please verify the results for your personal circumstances here.
Cost Factors of Expat Maternity Insurance Premiums in Singapore
Insurance premiums are affected by the benefits, waiting period, and insurance company. Cheaper expat maternity insurance in Singapore isn’t always better. Other factors that impact costs include maternal age and the geographical coverage area selected.
Here are some factors to consider, and later we’ll take a closer look at how the insurance premiums are affected by maternity benefits and maternal age.
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- Waiting Periods are the length of time between when a policy begins and when coverage starts. Maternity insurance in Singapore for expats has a waiting period where the policyholder must pay premiums before getting claims covered. Maternity periods in Singapore are as short as 10 months or as long as 24 months.
- Selecting a policy with a higher annual benefit limit protects the policyholder from expenses caused by less common exorbitantly expensive health conditions or accidents, but premiums on higher annual benefit limits are more expensive.
- Specific maternity benefit limits and deductibles will impact how high the premiums are. You will pay more out of pocket at the doctor’s office for plans with low per-pregnancy limits and/or low deductibles.
- Maternal age impacts how much an expat will pay for maternity insurance in Singapore. Higher maternal age will generally result in higher premiums. That’s the insurance company’s way of off-setting the increased risk for health expenses with older policyholders.
- How long Prenatal and Postnatal care is covered by maternity insurance. For example, a common window of time is postnatal care is covered the first 45 days after delivery.
Premiums for Maternity Insurance Benefits for Expats in Singapore
Expat maternity insurance benefits include coverage for pregnancy complications, childbirth complications, whether or not home delivery and/or c-sections are covered, multiple births coverage, and pre & post-natal treatment. Variety in these benefits contributes to differences in insurance premiums.
When you compare expat maternity insurance quotes, check out the benefits and benefit limits available for
- Routine maternity limit
- Complications of pregnancy
- Complications of childbirth
- Home Delivery
- Elective C-section
- Multiple births
We’ll take a closer look at the premiums and a few key maternity benefits available for expats in Singapore. For our estimates, we used a woman aged 25. Keep in mind that annual benefit limits and non-maternity comprehensive benefits are additional factors that impact premiums but are not displayed here.
|
Comparison of Expat Maternity Insurance Benefits and Premiums |
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|
Insurer |
Monthly Premium (USD) |
Maximum Routine Maternity Benefit (USD) |
Deductible & Coinsurance (USD) |
Home Delivery |
Elective C-Sections |
| Liberty ProMedico | $308 | $4,403 (after 12 months)/ $9,906 (after 24 months) | $0 | Not Covered | Not Covered |
| April | $494 | $5,000 | $0, 20% Copay for Outpatient | Not Covered | Up to Routine Maternity |
| Allianz | $504 | $6,750 | $13,500 Inpatient Deductible, 30% Outpatient Copay | Not Covered | Up to Routine Maternity |
| Allianz | $618 | $6,750 | $4,050 Inpatient Deductible, 30% Outpatient Copay | Not Covered | Up to Routine Maternity |
| Bupa | $623 | $13,600 Inpatient Routine Maternity, $5,100 Outpatient | $3,400 Inpatient Deductible, $170 Outpatient Deductible | USD $1,105 in Coverage | Covered |
| Henner | $748 | $14,440 | $0, 25% Outpatient Copay | Covered | Covered |
| Henner | $897 | $14,440 | $0, 15% Outpatient Copay | Covered | Covered |
| HSBC Life | $884 | $17,600 (20% Copay) | $5,600 Inpatient Deductible, 20% Outpatient Copay | Subject to Approval and Pre-Authorization | Covered |
As you can see, make sure your plan covers c-sections or homebirths if that’s part of your delivery plan. You may have to choose a plan with higher premiums to find the maternity coverage you’re seeking.
Don’t forget that health insurance plan pricing is also affected by the annual benefit limit. It may be tempting to choose a plan with a lower annual benefit limit to save money, but that means you will pay out of pocket for any costs beyond your plan limits.
The following table shows the annual benefit limit of the most affordable plans from some of the best maternity insurance providers in Singapore. Expat maternity health insurance often covers the complications of pregnancy up to the annual limit, but verify with your provider since it may also be lower.
|
Comparison of Expat Maternity Insurance Benefits and Premiums |
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|
Insurer |
Monthly Premium (USD) |
Maximum Routine Maternity Benefit (USD) |
Pregnancy Complications Coverage |
Total Annual Benefit Limit (USD) |
| Liberty ProMedico | $308 | $4,403 (after 12 months)/ $9,906 (after 24 months) | Up to Routine Maternity | $366,900 |
| April | $494 | $5,000 | Up to Annual Limit | $2,857,000 |
| Allianz | $504 | $6,750 | Up to Annual Limit | $4,000,000 |
| Bupa | $623 | $13,600 Inpatient Routine Maternity, $5,100 Outpatient | Up to Annual Limit | $2,890,000 |
| Henner | $748 | $14,440 | Up to Annual Limit | $4,332,000 |
| HSBC Life | $884 | $17,600 (20% Copay) | Up to Annual Limit | $3,600,000 |
Maternal Age and Expat Maternity Insurance Premiums in Singapore
The age of the expat seeking maternity coverage in Singapore affects the insurance premiums. Small differences in age may not affect premiums, but ten or more years older will get much higher quotes for expat maternity insurance.
The following table compares the most competitively priced expat maternity insurance plan from each insurance company for a 25-year-old woman living in Singapore and a 38-year-old woman.
|
Expat Maternity Premiums Based on Maternal Age |
||
|
Insurer |
Maternal Age |
Lowest Monthly Premium (USD) |
| Liberty ProMedico | 25 | $307 |
| 38 | $389 | |
| April | 25 | $494 |
| 38 | $664 | |
| Allianz | 25 | $504 |
| 38 | $676 | |
| Bupa | 25 | $623 |
| 38 | $927 | |
| Henner | 25 | $748 |
| 38 | $904 | |
| HSBC Life | 25 | $824 |
| 38 | $985 | |
The difference in expat maternity insurance cost between a 25-year-old and a 38-year-old is as little as USD $87 monthly or as much as USD $304 monthly for the most basic maternity coverage plans in Singapore.
Finding Affordable Expat Maternity Insurance in Singapore
Finding affordable expat maternity insurance in Singapore is possible with an insurance broker. An insurance broker will help you find and compare quotes from multiple companies without costing you extra.
You can check out this blog post for additional information about the benefits of working with an international insurance broker to secure your health insurance before moving abroad.
Frequently Asked Questions
What is the waiting period for maternity insurance in Singapore?
The shortest waiting period for maternity insurance in Singapore is ten months. That means that pregnancy and delivery expenses will not be covered until after the policyholder has been paying premiums for a maternity insurance plan for a minimum of 10 months.
Can expats give birth in Singapore?
Female foreigners and expats who desire to give birth in Singapore must apply through a local sponsor. The application will require official documents provided to the Immigration & Checkpoints Authority (ICA) in Singapore.
How much does it cost for a foreigner to give birth in Singapore?
The total cost of giving birth in Singapore is as little as SGD $6,700 to as much as SGD $20,000 without insurance. Foreigners can find more helpful information about the cost of prenatal and delivery care in Singapore in this blog post.
Conclusion
Expat maternity insurance starts at $307 monthly in Singapore for a 25-year-old female, and $389 monthly for a 38-year-old woman. The cost of maternity insurance depends on multiple factors, and the best way to determine what your cost would be is to ask an insurance broker.
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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