father and child

The Epic Expat Guide to Maternity Cover

Medical Insurance For Expats In Singapore GET A QUOTE


Facts about Maternity Cover
Covers costs of maternity care which can be in the tens of thousands of dollars
Can cover complications during childbirth depending on level of cover
Cannot be purchased after falling pregnant
Generally there is a 12 month waiting period before cover can be used




Three good reasons to consider Maternity Cover


Peace of mind

Receiving a level of care that meets your standards is essential during pregnancy and childbirth.


Financial security

The cost of pregnancy and childbirth for uninsured expats can be very high.


Plan things your way

Most plans allow you to choose where you receive treatment allowing you to plan the birth your way




Maternity Cover in-depth


Giving birth overseas is a big decision and whether you are planning a child or not, if there is a chance you could fall pregnant you should arrange maternity cover. Unlike in your home country, you can be charged a lot for maternity care overseas, sometimes tens of thousands of dollars. A lot of people are not aware of this fact and Expat Insurance Pte Ltd (EIPL) are often contacted by people who are already pregnant, at which point it is almost certainly too late to get cover.


The best course of action is to purchase either a dedicated maternity plan, or an international health insurance plan which offers maternity cover. Plans can differ greatly so it’s important to understand what level of cover you need.



Did you know that maternity cover cannot be purchased after you have become pregnant?


Too many expectant mothers only discover this when they attempt to purchase insurance for their pregnancy.


If you are living abroad in a country which does not offer free pregnancy services or healthcare for expatriates, an uninsured birth could cost tens of thousands of dollars.


Singapore is among the most expensive places to give birth overseas without insurance. According to the Singapore Ministry of Health, Giving birth in Singapore and staying in a ward for three days can cost between SGD$15,000 and SGD$25,000.


For a C-section, you might expect to pay SGD$23,000 – and complications increase that bill even further, often in excess of $150,000. You could encounter costs at any stage of the pregnancy; from pre-natal care to aftercare for yourself and your baby.


This is why it is vital that you buy an international medical insurance plan that includes the costs of maternity and childbirth, if there is any chance you could become pregnant while living overseas.


Buying maternity cover in advance of falling pregnant protects you from unexpected costs and from having to travel home to give birth.


Natalie Drummond, medical insurance advisor at Expat Insurance in Singapore says,


“We get a lot of enquiries from expats who never thought about purchasing maternity cover, become pregnant then contact us to get the birth covered.


When this occurs we tell them that it’s too late to buy cover for a routine birth, but depending on circumstance we can provide them with cover related to complications of childbirth, usually from day one.”



Complications before, during and after childbirth


The average hospital bill for a routine birth may sound manageable in your home country, but unexpected costs can arise should you experience complications during childbirth, so it’s important that you ensure your maternity cover will meet these costs.


Medical Insurance advisors at Expat Insurance can guide you to an international medical insurance plan that includes Maternity Cover, and help you decide the level of cover you need.



When purchasing Maternity Cover you should consider…


Waiting periods – This is the length of time you must wait between purchasing your policy and making a claim. For pregnancy cover this is usually 12 months, but can be as long as 24 months.


Plan limits – Some maternity plans have a limit on the level of cover they provide. For example some plans may only pay part of the procedure, leaving you to pay the rest of the costs.


Complications – Complications during childbirth can seriously increase the cost of care. You should establish whether your plan covers complications.


Co-insurance – This means that the cost for any treatment is shared between yourself and your insurer. For example you could pay 10 percent of any charges while your insurer pays 90 percent of them. This is a good way to lower your premiums providing you are willing to pay towards the cost of care.


Fertility treatment – is it covered and what effect will this have on other benefits?


Whether you are living abroad and there is a chance you could become pregnant, or you are already pregnant and wondering how to get maternity complications cover; contact the expert team of international medical insurance advisors at Expat Insurance and we will guide you through your options.


We are a fully independent broker and our service is 100 percent free. We assess the medical insurance market to recommend the best plan from dozens of options for you.


Medical Insurance For Expats In Singapore GET A QUOTE
Having evaluated the numerous products available in the Singapore market, Expat Insurance has identified those that offer the broadest coverage, catering to the unique needs of expatriates.
Expat Insurance is registered as an independent insurance broker with MAS (Monetary Authority of Singapore).  We work directly for our clients, so when you engage our brokerage we focus on your needs and understanding your family’s needs before recommending appropriate products and solutions in the market.  We are licensed to work with all carriers regulated in Singapore, so you have access to a wide range of products.  Our job is to take great care of you and your family to ensure you get the best value for money coverage available.


Authored By 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…


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