The maternity coverage in Singapore:
how can bad surprises be avoided?
In order to prepare for your pregnancy and delivery in the best conditions in Singapore, you are strongly advised to closely analyze the key points of the maternity option in your health insurance contract. Your maternity in the Lion City will be then well insured according to your needs.
- The waiting period
The first thing to check on is the waiting period. On average, insurance companies have a 365-day waiting period, which needs to be carried out before you’d be able to be covered for your maternity costs (according to the terms of your contract), such as gynecologist consultations, blood analysis, and ultrasounds.
For example: you sign a health insurance contract that includes a maternity cover, and you get pregnant at the 10th month of subscription. As the waiting period is one year long, you will not be reimbursed for the maternity medical costs during the first two months of your pregnancy. As the waiting period ceases from your third month, the medical expenditures that follow will be refunded (based on the chosen coverage).
Be careful: If you are already pregnant when you agree to the insurance contract, insurance companies will be likely to not cover your pregnancy in Singapore.
- Coverage of potential complications
It is essential to cover the potential complications linked to the maternity, during the pregnancy and the eventual delivery. If you have to choose only one risk to cover, we would strongly recommend you to cover this one, because the financial impact may be the highest.
UEX offers two Base Plans (n°3 and 4, both international) that cover these complications. The following is a list of eligible complications:
- Antiphospholipid syndrome
- Cervical incompetence
- Ectopic pregnancy
- Gestational diabetes
- Hydatidiform mole – molar pregnancy
- Hyperemesis gravidarum
- Obstetric cholestasis
- Pre-eclampsia / Eclampsia
- Rhesus (RH) factor
- Threatened miscarriage
- Post partum haemorrhage
- Retained placental membrane
- Coverage for the pregnancy and the delivery
With the ‘maternity option’ added to your Base Plan, you will be covered for your pregnancy follow-up (such as gynecologist consultations, blood tests, ultrasounds), for the child delivery and for post-delivery consultations and treatments.
For the delivery,
- A natural childbirth is covered by the maternity option.
- A caesarean delivery is covered by the maternity option if it is defined as ‘medically required’.
- If you choose a caesarean delivery that is not medically required, it will only be covered for the price of a classic delivery (depending on your contract).
Note: While a gynecologist is considered a specialist, consultations directly linked to the pregnancy are not included in the ‘specialist consultation’ section on your coverage.
- Coverage for the newborn
The maternity option with UEX covers usual treatments a newborn is likely to receive (for ailments such as neonatal jaundice, colic, diarrhoea, constipation, vomiting). As such, it is highly recommended for your baby to be added to your insurance plan (within 30 days from birth, to be effectively covered).
Alternatively, we could also create an exclusive contract for your baby, from 2 weeks after birth, should that be required or requested for.
To find out more about healthcare topics in Singapore you can check our articles. To understand, how your health insurance plans cover healthcare costs, you can approach UEX‘s happiness team by email or by phone for more information and guidance – and the good news is that they are super nice!
With UEX, you can obtain a quote for a health insurance contract customized to your needs and requirements – all in less than a minute!