{"id":1616,"date":"2019-03-22T17:17:38","date_gmt":"2019-03-22T09:17:38","guid":{"rendered":"https:\/\/www.pacificprime.sg\/blog\/?p=1616"},"modified":"2019-05-29T11:33:51","modified_gmt":"2019-05-29T03:33:51","slug":"brand-new-2019-maternity-insurance-guide-singapore-released","status":"publish","type":"post","link":"https:\/\/www.pacificprime.sg\/blog\/brand-new-2019-maternity-insurance-guide-singapore-released\/","title":{"rendered":"Brand new 2019 maternity insurance guide released!"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Welcoming a new family member is a huge step in life for everyone, which takes a whole lot of planning and preparation, and insurance is an indispensable component in this journey. In the hope of helping parents-to-be understand the ins and outs of this subject, our team of experts at <\/span><a href=\"https:\/\/www.pacificprime.sg\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Pacific Prime Singapore<\/span><\/a><span style=\"font-weight: 400;\"> has curated the <\/span><i><span style=\"font-weight: 400;\">Maternity insurance guide 2019 in Singapore<\/span><\/i><span style=\"font-weight: 400;\">, a brand new addition to our rich collection of guides and reports. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Leveraging our 13+ years of experience in the field of maternity insurance, this free-to-download guide answers the most commonly asked questions about maternity care and insurance in the Lion City, including: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">How much does it cost to give birth in Singapore?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">What are the most popular hospitals in Singapore?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">What maternity insurance benefits do I need?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">What insurance terms and items should I know?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Does maternity insurance cover Zika virus?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Divided into six digestible sections, this informative guide is a useful resource for anyone in search of a comprehensive maternity healthcare policy to tackle the ever-rising prenatal, delivery, and postnatal costs in town. In today\u2019s article, we will also provide a pared-look at some of the key insights of our guide, but if you would like to gain access to the full version of our in-depth information, <\/span><a href=\"https:\/\/www.pacificprime.sg\/health-guides\/2019-maternity-insurance-guide\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">download your FREE copy of <\/span><i><span style=\"font-weight: 400;\">Maternity insurance guide 2019 in Singapore<\/span><\/i><span style=\"font-weight: 400;\"> here<\/span><\/a><span style=\"font-weight: 400;\">! <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-5' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.sg\/compare-quotes\/step-one\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=banner&utm_content=quote?campSource=PPSG-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=banner&utm_content=general\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-778\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2024\/07\/Blog-Banner_Singapore_1.jpg\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">About our maternity insurance guide<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">We strongly recommend that you should make sure your health insurance includes <\/span><a href=\"https:\/\/www.pacificprime.sg\/plans\/maternity-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">maternity coverage<\/span><\/a><span style=\"font-weight: 400;\"> at an early stage, as most maternity benefits come with a 10 to 24 months waiting period, which means that you\u2019ll have to wait until the time has elapsed before you can lodge any claims. As such, it is imperative that you take out the plan well ahead of your conception.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This 2019 version of maternity guide has been updated to reflect the latest cost and trend in the city. However, this is important to note that the content in this guide is only a reflection of our extensive experience and does not replace the necessity of seeking advice from your insurance advisor and medical professional.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another point to note is that there is no such thing as a standalone<\/span><a href=\"https:\/\/www.pacificprime.sg\/plans\/maternity-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"> maternity insurance plan<\/span><\/a><span style=\"font-weight: 400;\">. Hence, in order to obtain maternity coverage, you\u2019ll have to add it to an existing health insurance plan.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Explaining key insurance terms and coverage items<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Below we have provided a brief summary of the common terms you may come across while seeking for a maternity insurance plan:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Routine maternity<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Routine maternity refers to a standard pregnancy with routine vaginal delivery in a hospital without specific complications (with or without epidural).<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Pre &amp; Post-natal coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This will cover consultations as well as ultrasound scans and tests that are medically necessary. Usually, a few consultations are required after the birth as well, so having coverage for these expenses comes in handy.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Medically-necessary C-sections<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Medically-necessary C-sections are seen as a complication of childbirth and are treated differently from effective C-sections. Statistics show that about 30-40% of births in Singapore end up being via a C-section. So it is crucial to ensure that the policy has a high coverage limit for emergency C-sections as their costs are much higher than the costs for standard deliveries.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you would like to have elective a C-section, your insurance advisor should be able to provide you with some solutions.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Pre-existing C-sections<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you have had a C-section birth before, this may affect your coverage options so it is important to check with your insurance advisor beforehand.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Newborn underwriting<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Newborn underwriting is a crucial but often-overlooked part of maternity insurance. NICU costs for incubation or treatments for a newborn can escalate really quickly and reach exorbitant amounts (e.g. above SGD 150,000).<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Complications of pregnancies<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Typically referring to serious conditions such as miscarriage, gestational diabetes, and bleeding, etc, these complications would incur extra costs compared with routine pregnancies. Most insurance policies cater to these conditions under a separate benefit.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Congenital disorders<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Congenital disorders can be subject to limited benefits. Coverage for these can ensure that your newborn would receive adequate coverage for any conditions that they are born with or that would require treatment within the first few days.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">International cover<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">With this benefit, maternity treatment will be covered around the world. This is particularly suitable for anyone who wants to return home to give birth and not have to worry about the cost.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Reasonable and Customary (R&amp;C)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This is the usual accepted amount for specific treatment in a particular country. Should a charge falls within the range of general prevailing costs in a country, it is then considered reasonable and customary.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.sg\/compare-quotes\/step-one\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-781\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2019\/06\/PPSG_Gen_02.jpg\" alt=\"Get an Insurance quote banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Pacific Prime Singapore: your maternity insurance expert<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As the Lion City\u2019s premier health and maternity insurance advisor, <\/span><a href=\"https:\/\/www.pacificprime.sg\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Pacific Prime Singapore <\/span><\/a><span style=\"font-weight: 400;\">possess over 19 years of experience, with nine offices strategically situated across the world. If you would like to seek out more professional and impartial insurance advice, our dedicated team of maternity experts is ready to help you find the best plan for your unique needs. <\/span><a href=\"https:\/\/www.pacificprime.sg\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\"> today for free quotes and plan comparison services! And don\u2019t forget to <\/span><a href=\"https:\/\/www.pacificprime.sg\/health-guides\/2019-maternity-insurance-guide\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">download our full maternity guide<\/span><\/a><span style=\"font-weight: 400;\"> for the latest maternity insurance information!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Welcoming a new family member is a huge step in life for everyone, which takes a whole lot of planning and preparation, and insurance is an indispensable component in this journey. In the hope of helping parents-to-be understand the ins and outs of this subject, our team of experts at Pacific Prime Singapore has curated &#8230;<\/p>\n","protected":false},"author":11,"featured_media":1617,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[2],"tags":[1106,365,517,1107,167,42,44,1108,361,1105],"class_list":["post-1616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-c-sections","tag-maternity","tag-maternity-cover","tag-maternity-health-insurance","tag-maternity-insurance","tag-pacific-prime","tag-pacific-prime-singapore","tag-pregnancy-health-insurance-no-waiting-period","tag-pregnancy-insurance","tag-routine-maternity"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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Chan is a seasoned writer and editor for Pacific Prime and its subsidiary, Kwiksure. Leveraging his deep understanding of local and international insurance landscapes, he crafts a diverse range of online and offline articles, reports, e-newsletters, videos, and more. His expertise encompasses a broad range of areas including international health insurance, employee benefits solutions, motor insurance, life insurance, and various other forms of general insurance. This breadth of knowledge enables him to distill an array of complex insurance concepts into a series of progressive, easily understandable articles. Anthony earned his Bachelor of Arts degree from Lingnan University, majoring in Translation and minoring in English. He also studied at West Virginia University in the United States as an exchange student. 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