You want to have a child in the near future in Singapore?
This can represent a certain cost and will strongly influence your choice of health insurance!
Thus, your health insurance needs to be adapted to your needs and to your preferences. Here are some important key points to take into consideration.
The waiting period
The waiting period is a defined period, generally from 10 to 12 months for the maternity coverage. During this period, you will not be able to be reimbursed for any expenses linked to your pregnancy.
Let's take an example:
You subscribe to an individual health insurance with maternity coverage on January 1st 2019. Your waiting period is of 12 months. 10 months later, on October 1st 2019, you realize that you are pregnant.
Between October 1st 2019 and January 1st 2020, all the medical expenses linked to your pregnancy, will not be reimbursed. For example, gynecologist consultations, ultrasound and any medical examinations related to your pregnancy will be at your charge. After January 1st 2020, the waiting period will be over and you can start claiming your maternity expenses that will happen after this date.
Most of the insurance companies have a waiting period in order for your pregnancy and delivery to be covered. Don't forget to take into account this waiting period of one year! Especially if you want to cover your pregnancy and childbirth. To conclude, you would better not try to improvise a pregnancy in Singapore.
If you subscribe to a maternity coverage at UEX, the waiting period is 12 months. This means that after these 12 months, you will be able to claim and be reimbursed for expenses related to your pregnancy. It can be any complications or pregnancy follow-up.
How does a maternity coverage work in Singapore?
To understand, we must distinguish 2 levels of coverage:
- the coverage of routine check-ups and delivery
- the coverage of potential complications
Considering the 366-day waiting period, you will have to subscribe for 2 years in a row to qualify for coverage.
Note that you will not be able to purchase maternity coverage outside your health insurance policy. So think of your maternity coverage when you subscribe to your health insurance. Otherwise, you will only be able to subscribe to maternity coverage at the time of your renewal, 1 year later.
Maternity coverage is always an option for basic health coverage, which will also cover hospitalization (inpatient) and general practitioner and specialist (outpatient).
Coverage of potential complications
The price of a maternity cover being high, an alternative is possible. You can choose to cover only potential complications. These are events that can occur before or during childbirth. Moreover, if you have to choose only one risk to cover for your maternity, we advise you to cover this one. Indeed, the financial impact can be particularly high.
At UEX, you do not need to take a maternity option to cover your complications. They are covered by the Inpatient part (hospital and surgery). Indeed, our international plans cover the complications of motherhood after 366 days of waiting period.
On the contrary, the pregnancy follow ups and childbirth do not represent "risks". Because in any case, they will happen. If you choose to cover complications only, all expenses related to your pregnancy excluding the complications will be at your expense. Moreover, the delivery itself and the appointments related to pregnancy will also be at your expense.
Coverage for the pregnancy and the delivery
The coverage of pregnancy routine includes your pregnancy check-ups such as gynecologist consultations, blood tests, ultrasound pre and post delivery. The delivery itself will also be covered.
To cover these elements, with UEX and our partner for maternity insurance, you need to choose and add a maternity option to your health insurance. You have the choice between three levels of coverage:
- Level 1: reimbursement up to S$7,000
- Level 2: reimbursement up to S$13,500
- Level 3: reimbursement up to S$20,000
(These numbers include both pregnancy and childbirth follow ups).
Regarding delivery, it will also be covered by the selected maternity option. In case of cesarean, whether elective or emergency, it will be covered the same way by the maternity option.
Note: with your individual health insurance policy, a gynecologist is considered as a specialist. However, consultations with gynecologists related to pregnancy will not be reimbursed in the "specialists" section. Only the maternity option covers pre- and post-natal consultations.
Coverage for the newborn
Before giving birth, it is important to check that your health insurance covers your newborn.
At UEX, the mother's health insurance also covers the newborn. In case of complications related to the delivery, the newborn and the mother will be covered.
In order for the newborn to be covered, he/she must be added to the mother's policy within 28 days of birth. The newborn will also be covered for the care he/she is likely to receive from birth.
If the mother has been covered with UEX for more than 366 days, then no health declaration is needed for the child to be covered. You will only have to add your newborn to your health insurance right after birth.
If you have subscribed to a UEX health insurance contract less than 12 months ago, your child can still be covered. However, you will have to fill in a health declaration. In that case, pre-existing or congenital conditions might not be covered, or subjected to limited coverage.
If none of the parents are covered at UEX, the child can be covered only 15 days after the birth and with the need of a health declaration.
To learn more, you can read our article on the newborn's cover by clicking here.
You have now all the steps and different options in terms of maternity coverage. Planning a pregnancy can be a bit tricky, so try planning some time in advance to avoid any inconvenience. To help you make the best choice, we have also written articles on the cost of childbirth in Singapore.
To find out more about healthcare topics in Singapore you can check our articles. To understand how your health insurance plans cover the 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!