Insurance for Expectant Mothers

Health
October 22, 2013

Medical Insurance For Expats In Singapore GET A QUOTE

In Singapore, welcoming a newborn to the family is costly. Medical expenses for each pregnancy typically range between $10,000-$14,000 for a natural delivery and $12,500-$16,000 for caesarean (c-section).

Bills for a complicated pregnancy or pre-mature birth can reach upwards of $20,000 to $180,000.

Maternity Insurance cannot be purchased on its own, as a separate insurance policy. This coverage is a benefit extension attached to your main health insurance policy to cover the medical costs you incur during pregnancy:
• Doctor & OB-GYN visits
• Routine scans
• Delivery costs
• Hospital stay
• Treatment for Complications of Pregnancy

While many policies restrict coverage for your newborn immediately following birth, especially if Mom has not served a wait period under the policy, other policies are designed to provide coverage for a baby from birth.

Common scenarios we hear are:
-No coverage for baby until after discharged from hospital
-Baby only covered at 91 days old
-Coverage begins at 15 days after normal, healthy birth

If you have a little one on the way, consult your policy for terms relating to Newborn Care or Addition of Newborn.

It is important to plan in advance, as most Maternity insurance imposes waiting periods which can range from 10 months to 24 months. Again, policies differ so you need to know whether your wait period is prior to conception or prior to claim.

Ultimately, you want to know that you’re getting the best care possible for you and your little one. Maternity insurance can help relieve many of the stresses associated with prenatal and postnatal care. You want to be able to focus on your baby instead of on your bills!

Medical Insurance For Expats In Singapore GET A QUOTE

John Ntatsopoulos

Over the course of his 34 years career, our CEO, John, have worked predominately in the area of insurance and financial services across major APAC markets, including Australia, NZ and across South East Asia. Over the last 9 years, he has been based in Singapore focusing mostly in Medical Insurance and Employee Benefits while working across Southeast Asia, particularly in Singapore, Thailand, Vietnam and Malaysia. John graduated from the University of New South Wales with a master’s degree in commerce. Off-work period calls him for a game of rugby, strumming a guitar, whipping up his favorite meal in the kitchen and riding a motorcycle across many different countries.