Family Planning in Singapore: Understanding Maternity Insurance

silhouette of a woman and child

Planning to start a family is a really exciting time in life and in Singapore it pays to be prepared as insurers are becoming stricter in their terms and conditions for new parents to be.


If you’re planning on starting a family in the next 12-24 months, we strongly recommend adding maternity coverage to your existing medical plan. Maternity insurance will mean that pre-natal check-ups, doctor/OBGYN visits, routine scans and blood tests, delivery and post-natal care for both mum and baby are covered. You’ll be able to deliver and recover in a private hospital with the best care imaginable.


Did you know that a natural birth in Singapore will cost up to $12,000 depending on preferred accommodation, a C-section is approximately $23,000, and if complications were to occur for the mother or baby, costs can escalate in excess of $200,000! If you’re pregnant and uninsured in Singapore, you will be required to pay for all the costs out of your own pocket. The Singaporean Government does not provide any form of medical subsidy for expats.


Most insurers enforce a 10-12 month waiting period before you can claim on your plan.  At Expat Insurance, we will find a plan to ensure both mother and baby are covered and that you’re fully aware of your plan’s coverage policies, but it’s important to know that insurers are enforcing waiting periods before you’re able to successfully claim on any maternity related costs.


If you’re planning on starting a family soon, plan ahead and click here to speak with the experienced Expat Insurance team for a free consultation on the best maternity insurance plan for you.


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