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Expecting The Unexpected: Should You Get Prenatal Insurance?

Expecting a baby and afraid of what lies ahead? The next nine months or so of your journey to motherhood may be filled with fear, uncertainty, excitement, and joy all at the same time. You’re probably wondering how you can reduce the negative feelings so you can enjoy the positive ones even more.

Perhaps a prenatal insurance is the answer to some of your questions. If you want an enhanced protection for yourself for more peace of mind, this may be worth considering. We list down some of the things you need to know about this matter to help you decide if you should pursue getting a plan, and which among the many options would be a right fit for you.

#1 Prenatal or maternity insurance gives you protection from unexpected events during your pregnancy

Think complications like preeclampsia. Anything you encounter prior to giving birth is covered by most prenatal insurance packages. Should your baby have any congenital problem, the prenatal insurance covers that too. Other insurers provide extra benefits like hospital allowance if you’re admitted.

For example, Manulife offers the ReadyMummy plan, which is Singapore’s first maternity plan to cover mental wellness and miscarriage due to accident as well. The said plan was extended to cater to new mums who suffer from postpartum depression.

#2 Limits differ per policy insurers 

When getting a prenatal plan, it is important to note that offers vary per insurance company. There may be different policy limits, coverage costs, and other potential extra charges. AXA’s Mum’s Advantage plan covers mums-to-be from 16 weeks of pregnancy while Great Eastern’s Flexi Maternity Cover can insure you as early as 13 weeks into pregnancy.

#3 Not everything will be covered 

Just because you have a prenatal plan doesn’t mean your entire pregnancy journey is covered. Some common exclusions of prenatal plans in Singapore are:

  • Delivery fees
  • Infertility-related treatment
  • Regular pregnancy bills 
  • Preexisting medical conditions prior to getting pregnant

#4 It helps you manage risks, not totally avoid it

With the high medical cost in Singapore, having a prenatal plan is worth having if you want to be on the safer side. While it won’t help you predict the future, it will certainly help you prepare for it. Your prenatal plan is not only for you but for your newborn too who may or may not have a congenital illness upon delivery. Not only that, some plans like AIA’s Mum2Baby Choices gives mums the option to add an incentive covering protection of her child for up to 100 years. 

#5 Consider your life stage in choosing an insurance 

Factors like age and family history are crucial information that you’d need when deciding whether or not to get a prenatal insurance. Your belief matters too—if you think having a maternity plan in place will make you feel more at ease with your pregnancy, then consider getting one. But if you’re certain that you’re healthy and budget constraints is a big consideration, then you may opt not to get one.

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