Maternity Insurance

Before we dig deeper into this topic, it’s important to note that there's no such thing as a standalone maternity insurance policy. To secure maternity cover, you will need to add it onto a health insurance plan, which will include other benefits such as hospitalization (inpatient care) and outpatient consultations. 

Co-operating with all major insurers in Singapore, Pacific Prime offers maternity insurance with significant benefits and plans that cover:

• Doctor consultations
• Pre and post-natal treatments & examinations
• Medically prescribed Caesarian section
• Normal delivery
• Complications of maternity and childbirth
• Hospital, birthing centre, or home delivery costs
• Care of newborn children
• Congenital birth defects

Maternity policies can also cover medical treatment required for newborns if something unexpected happens.

We advise that you include maternity benefits in your insurance policy at an early stage. This is because, in most cases, maternity benefits are attached with a waiting period ranging from anywhere between 10 to 24 months. Hence, you will have to wait until this specific period of time elapses before you can claim your expenses. Luckily, our maternity plans have the shortest waiting periods on the market, so you won’t need to plan years in advance in order to be covered.

Prior to selecting your maternity coverage, you should know your budget by familiarizing yourself with the cost of giving birth in the Lion City. Our latest maternity guide for Singapore lists out the typical maternity package costs in private hospitals for a standard private room (1-bed). It is essential to keep in mind that these are delivery costs as billed by the hospitals, and do not include the anesthetist and doctors' fees, which would add to the overall cost.

* 1 in 4 or patients paid less than this amount.
^ 1 in 4 patients paid more than this amount.
Source: Ministry Of Health Website - 30 June 2019, Accessed 21 February 2022

Each pregnancy, doctor, and mom-to-be is different, so it is difficult to provide an accurate figure for prenatal expenses and everything required prior to giving birth. Pacific Prime’s employees and clients would usually indicate overall costs ranging from SGD$6,000 to about SGD$10,000 as a good estimate for a standard prenatal term without specific complications. Below is a summary table of the costs on a per-visit basis.

While prenatal expenses are typically limited if labor and delivery went well, costs can potentially skyrocket should complications with the newborn (e.g. premature birth, congenital disorders) arise. It is therefore important for expectant parents to consider securing health insurance, or ensure that their existing policy provides newborn coverage benefits.

Here at Pacific Prime, our maternity insurance plans cover complications for up to 30 days after delivery; we also have a vast range of newborn insurance options that can cover your baby continuously after delivery. If you are looking to protect your health, we also have individual insurance coverage available for mothers, too.

Leveraging our 20+ years of experience, our team of experts at Pacific Prime Singapore has curated this annual guide to shed light on the current state of maternity and maternity insurance in the Lion City.

By downloading this guide you will learn: What are Singapore's most popular maternity hospitals? What’s the cost of giving birth in Singapore? Ministry of Health expenses MOH costs associated with premature birth and complications NICU Costs Pre & post-natal expenses Is IVF/Assisted Conception covered? What maternity insurance benefits do I need? What insurance terms and items do I need to know? Coronavirus (COVID-19) pandemic and international maternity plan coverage