Understanding Maternity Insurance in Singapore


Becoming pregnant and welcoming a new child into the world is a very special experience. As an expat, Singapore is a great country to raise a family – it’s safe, clean, easy to get around, and you can hire additional help at a very affordable rate. Plus the caliber of doctors and hospital facilities is world-class.


Did you know that most maternity insurance plans impose waiting periods that can range from 10 months to 24 months? 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.


Unlike your home country, Singapore is among the most expensive countries globally to give birth as an expatriate, which is why medical insurance that includes maternity coverage is very beneficial and can save you a lot of financial stress down the road.


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. As you can see, it’s not cheap and maternity insurance will ensure you’re covered against all costs, so the only thing you need to focus on is your new little bundle of joy.


While many policies restrict coverage for your newborn immediately following birth, especially if the mother has not served a wait period under the policy, other policies are designed to provide coverage for a baby from birth. At Expat Insurance, we have seen many parents who didn’t realise that their current plan did not cover their newborn until it was discharged from hospital; or that coverage only started for baby at 91 days old. 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.


If you’re planning on getting pregnant in the next year or two, we strongly recommend you have a health insurance plan that includes maternity insurance that covers all doctor and OB-GYN visits, routine scans, delivery costs, your hospital stay and the necessary treatment required should there be any pregnancy or birth complications for both mum and baby.


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