Why You Should Consider A Maternity Plan As Soon as 13 weeks

Written by Zephanie Lau

👶 Why You Should Consider a Maternity Plan as Early as 13 Weeks. Because smart planning protects both your heart and your wallet.

You’re in your second trimester. Baby’s growing, emotions are swirling—and this is the ideal time to start thinking long-term. A maternity plan isn’t just about preparing for birth—it’s about securing your child’s future with dignity and foresight.

Here’s why starting at 13 weeks matters:

💡 1. Health conditions are unpredictable—but coverage doesn’t have to be. If you can afford it, early planning helps limit future loss. At 13 weeks, your prenatal report can be used to secure up to $300,000 sum assured per child, with no medical underwriting when transferred to your baby later. That’s peace of mind, locked in early.

🏥 2. Coverage goes beyond the basic sum assured. Most people think maternity plans only offer $25K coverage—but with bundle programs, you can also purchase hospital insurance with no medical underwriting. That means smoother application to hospital insurance, with guaranteed coverage, better protection, and less stress during recovery.

👩‍👧‍👦 3. It’s not just insurance—it’s legacy planning. You’re not just buying a policy. You’re building a financial safety net that can grow with your child, protect against uncertainties, and reflect your love in practical ways.

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