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Maternity Coverage for Health Insurance

Maternity benefits for most health insurance covers both the mother and child. Maternity means the period during pregnancy and shortly after childbirth. With that said, there are some maternity health insurance covering the mother as early as 13 weeks into pregnancy and then 30 days after delivery.

The maternity health insurance not only covers the mother but also the child. The startdate policy for newborn health insurance can be as immediate as after the child is born. So, parents or parents-to-be should think properly how long and how immediate would they want the maternity benefits to start and end, as different maternity health insurance are covering different maternity benefits.

Types of Maternity Covered in Health Insurance

Different health insurance products provide different level of coverage. You need to ensure you compare the health insurance summary of benefits or coverage before you purchase the most suitable plan.

Health insurance usually covers a standard list of maternity coverage. Some of these include:

Refers to a standard pregnancy with a routine vaginal delivery in hospital without specific complications (with or without epidural). It is important to ensure the benefits are high enough on your policy to cover all, or most of the standard costs in your hospital or clinic.

This will cover consultations as well as all ultrasound scans and tests that are medically-necessary. In most cases, a few consultations are also required after the birth and so having coverage for these comes in handy.

These are also considered a complication (of childbirth) and are treated differently from Elective Caesarean. According to statistics, about 30 – 40 percent of births in Singapore end up being via C-section. It is therefore important to ensure that your policy provides high limits of coverage for emergency C-sections as the costs for these are substantially higher than for standard deliveries. In the event that you want to have an elective caesarean, there are solutions that your insurance advisor can also recommend.

This is a crucial but usually overlooked part of maternity insurance. NICU costs for incubation or treatments for a new-born can escalate very quickly and reach exponential amounts (above 150,000 SGD). Most insurance plans place restrictions to cover only 15 or 90 days after discharge from the hospital. Therefore, it is very important to purchase a natal treatment health insurance or newborn care health insurance that offers options that can cover a newborn immediately from day 1 and without the need for underwriting. This ensures that immediate attention and treatments for the newborn could be taken care of without the worry of financial burden.

If you have had a Caesarian section birth in the past, this could affect your coverage options so it is important to mention this to your health insurance advisor.

Typically referring to serious conditions such as pre-eclampsia, miscarriage, gestational diabetes, bleeding etc, these would incur extra costs compared to routine pregnancies. Most insurance policies cater for these conditions under a separate (higher) benefit.

These can be subject to limited benefits and would ensure your newborn would receive enough coverage for any conditions that they may be born with or that would require treatment within their first few days.

Depending on the health insurance plan and premium, the benefits will vary. Before you decide which maternity health insurance plan is suitable for you, it is good to do a comparison and read through the coverage and benefits of the policy. Some of the maternity benefits may even be packaged together with a savings plan for the child. The waiting period in the health insurance is also very important because it decides the amount of time (in months) before you can claim your expenses. So, do your research properly to understand what you need before you purchase the policy.

More Info

Refers to a standard pregnancy with a routine vaginal delivery in hospital without specific complications (with or without epidural). It is important to ensure the benefits are high enough on your policy to cover all, or most of the standard costs in your hospital or clinic.

This will cover consultations as well as all ultrasound scans and tests that are medically-necessary. In most cases, a few consultations are also required after the birth and so having coverage for these comes in handy.

These are also considered a complication (of childbirth) and are treated differently from Elective Caesarean. According to statistics, about 30 – 40 percent of births in Singapore end up being via C-section. It is therefore important to ensure that your policy provides high limits of coverage for emergency C-sections as the costs for these are substantially higher than for standard deliveries. In the event that you want to have an elective caesarean, there are solutions that your insurance advisor can also recommend.

This is a crucial but usually overlooked part of maternity insurance. NICU costs for incubation or treatments for a new-born can escalate very quickly and reach exponential amounts (above 150,000 SGD). Most insurance plans place restrictions to cover only 15 or 90 days after discharge from the hospital. Therefore, it is very important to purchase a natal treatment health insurance or newborn care health insurance that offers options that can cover a newborn immediately from day 1 and without the need for underwriting. This ensures that immediate attention and treatments for the newborn could be taken care of without the worry of financial burden.

If you have had a Caesarian section birth in the past, this could affect your coverage options so it is important to mention this to your health insurance advisor.

Typically referring to serious conditions such as pre-eclampsia, miscarriage, gestational diabetes, bleeding etc, these would incur extra costs compared to routine pregnancies. Most insurance policies cater for these conditions under a separate (higher) benefit.

These can be subject to limited benefits and would ensure your newborn would receive enough coverage for any conditions that they may be born with or that would require treatment within their first few days.

Depending on the health insurance plan and premium, the benefits will vary. Before you decide which maternity health insurance plan is suitable for you, it is good to do a comparison and read through the coverage and benefits of the policy. Some of the maternity benefits may even be packaged together with a savings plan for the child. The waiting period in the health insurance is also very important because it decides the amount of time (in months) before you can claim your expenses. So, do your research properly to understand what you need before you purchase the policy.

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