pregnant woman sitting in living room

How Maternity Insurance Works: When Should I Get It?

Time to read 2 min

How Maternity Insurance Works: When Should I Get It?

How Maternity Insurance Works: When Should I Get It?

Singapore is known for its high standards in healthcare, and maternity care is no exception. However, great care comes at a cost. Although we hope that your pregnancy journey will be a smooth one, it can sometimes be unpredictable and challenging. 


If you’re planning on having a baby, consider getting maternity insurance early. This is because the price of the premium is the same whether you’re getting it at 13 weeks or 30 weeks -- and more protection is always better in this case!


What is maternity insurance?


Also known as pregnancy insurance, maternity insurance is a form of health insurance that covers unexpected complications that arise during pregnancy and delivery for both mother and the child. 


It’s worth noting that it doesn’t cover the cost of delivery and hospitalisation bills, though. It comes in the form of a lump sum payout or daily hospital cash to cover additional medical costs.

What does it cover?

Pregnancy complications


The payout specifically covers pregnancy complications. Depending on the insurer you’re getting the maternity insurance from, the range may vary slightly, but would generally cover:

  1. Abruptio placentae

  2. Amniotic fluid embolism

  3. Disseminated intravascular coagulation

  4. Fatty liver of pregnancy

  5. Placenta increta / percreta

  6. Postpartum haemorrhage requiring hysterectomy

  7. Pre-Eclampsia / eclampsia

  8. Stillbirth

sick pregnant woman

Congenital disorders


  1. Anal atresia

  2. Atrial septal defect

  3. Absence of two limbs

  4. Cleft palate / cleft lip

  5. Cerebral palsy

  6. Clubfoot

  7. Congenital dislocation of the hip

  8. Congenital cataract

  9. Congenital deafness

  10. Congenital diaphragmatic hernia

  11. Down syndrome

  12. Infantile hydrocephalus

  13. Retinopathy of prematurity

  14. Spina bifida

  15. Tetralogy fallot

  16. Transposition of great vessel

  17. Truncus arteriosus

  18. Ventricular septal defect

stethoscope checking on heart disease concept photo

Cash Benefits


Depending on the policy you choose, you may receive cash payouts if you or your baby are warded for the conditions covered. 


When should I purchase maternity insurance?


Those who are between 18 and 45 years old and are already pregnant may purchase maternity insurance. Policies generally begin for mums who are a minimum of 13 weeks pregnant -- again, this may vary slightly depending on the provider of the policy.


It’s advisable to get your maternity insurance as early as you can, since it provides you with protection for any complications that might arise during pregnancy.

cash and coins on jar

Is it worth it?


Most people think that this is not a necessity since Singapore has high standards of living and cleanliness. 


However, perinatal and neonatal deaths are still real issues faced by parents regardless of the good healthcare received. Any mother could experience pregnancy complications, so you may want to seriously consider getting the coverage if it fits your budget!


The cost of maternity insurance can range from $300 to $1600 depending on the coverage offered and the age of the mother -- the younger the age, the lower the premium. 


In the case of a pregnancy complication or congenital illness or death, you’ll get a payout and medical reimbursement.

doctor checking on pregnant woman during check up

Prepare for your little one’s arrival with Hatchery Cribs


The cost of maternity insurance is relatively low when you think of the overall bigger picture of raising a baby in Singapore. This is also one way to reduce stress if the unexpected happens. 


Other than preparation for emergency purposes, it’s also important for you to start preparing for when your little one joins the family. You can start with our guide to baby essentials for the first year. 


You can check out our website to browse some of the items you might need such as cribs and baby car seat for the ride home from the hospital. You can also book a visit to our showroom to see the items for yourself!

pregnant woman checking on baby ultrasound