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What it is and what it covers...
Content
Maternity insurance is a prenatal insurance policy plan that can be purchased when one is pregnant. It covers unexpected pregnancy complications that could affect either the mother or the child.
Claims are usually disbursed through one-time payouts. This helps to mitigate further medical expenses that might arise in the event of pregnancy complications.
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How does maternity insurance work?
There are 2 types of maternity insurance.
1. Standalone maternity plan
2. Maternity plan with accompanying base plan
The following diagram illustrates what the plans cover in a nutshell. Additionally, if you opt for a maternity insurance bundle, your maternity rider will complement your base plan:
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Coverage period: From as early as 13th week of pregnancy to 3rd year of policy
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Assisted pregnancies: Coverage is available by most insurers
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Congenital illnesses: Lump sum payout benefit
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Guaranteed insurance coverage for newborn: Coverage for hospitalisation and life insurance without underwriting
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Miscarriage: Covered after 1st trimester
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Premature birth: Daily cash benefit to pay for Neonatal Intensive Care Unit (NICU) fees
Who is eligible for maternity insurance?
Expectant mummies, did you know that you can purchase maternity insurance anytime between 13 to 36 weeks of pregnancy? The best part? The premium stays the same whether you buy it early or later!
💡 Our tip: If you're considering maternity insurance, it's best to buy it as soon as possible so you enjoy a longer coverage period at the same cost! More protection, more peace of mind. 💕
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