Best Cheap Maternity Insurance in Singapore 2024

To help you stay protected throughout your pregnancy, our research analysts reviewed dozens of data points across all the maternity insurance plans in Singapore. View our top picks and learn how to identify which plan will work best for your needs.

Who will benefit the most from maternity insurance?

Maternity insurance (also known as pregnancy and pre-natal insurance) can be useful for expectant mothers who want additional health coverage for themselves and their unborn children. We analysed all the maternity insurance plans on the market to help educate you about the plans available on the market. Learn more about the plans by reading our reviews below.

Reach out to our experts here for other insurance plans:

Who will benefit the most from maternity insurance?

Maternity insurance can be useful for expectant mothers who want additional health coverage for themselves and their unborn children. We analysed all the maternity insurance plans on the market to help educate you about the plans available on the market. Learn more about the plans by reading our reviews below.

Standalone Maternity Insurance Plans

Great Eastern and NTUC Income both offer standalone maternity insurance plans, which means these maternity insurance plans don't come bundled with other insurance policies. However, both insurers still give you the option to apply for an eligible policy via a simplified application after your child is born.

Great Eastern GREAT Maternity Care

A standalone maternity insurance plan that covers 19 pregnancy complications and 26 congenital diseases.
GREAT Maternity Essential PlanGREAT Maternity Enhanced Plan
18-30 Yr-Old PremiumS$398S$678
31-39 Yr-Old PremiumS$448S$758
40-45 Yr-Old PremiumS$558S$978
Mother TPD & DeathS$5,000S$10,000
Child DeathS$5,000S$10,000
Pregnancy and Childbirth ComplicationsS$5,000S$10,000
Congenital IllnessS$5,000S$10,000
Hospital Care Benefits (Max of 30 Days)S$100/dayS$200/day

Great Eastern's GREAT Maternity Care is a standalone maternity plan that provides death and total and permanent disability (TPD) coverage from 19 types of pregnancy complications and 26 congenital diseases. You can purchase this plan from as early as the 13th week of pregnancy. With this plan you will be covered for 30 days after giving birth and your infant will be covered until the end of the third policy year. Great Eastern GREAT Maternity Care also offers a daily hospital care benefit if you or your infant are hospitalised from any of the covered conditions, 15 juvenile conditions and even conditions such as hand, foot and mouth disease.

One thing to note with Great Eastern's GREAT Maternity Care plan is that if the premiums are calculated based on a single child per pregnancy, conceived naturally. If you are pregnant with twins or conceived by IVF, you will be charged an additional 50% of the premium. This means that if you are pregnant with twins and it was conceived via IVF, your premiums would be the single premium X 1.5 X 1.5. Nonetheless, this standalone plan doesn't require the purchase of any additional policies, which is a rare feature.

A standalone maternity insurance plan that covers 19 pregnancy complications and 26 congenital diseases.
GREAT Maternity Essential PlanGREAT Maternity Enhanced Plan
18-30 Yr-Old PremiumS$398S$678
31-39 Yr-Old PremiumS$448S$758
40-45 Yr-Old PremiumS$558S$978
Mother TPD & DeathS$5,000S$10,000
Child DeathS$5,000S$10,000
Pregnancy ComplicationsS$5,000S$10,000
Congenital IllnessS$5,000S$10,000
Hospital Care Benefits (Max of 30 Days)S$100/dayS$200/day

Great Eastern's GREAT Maternity Care is a standalone maternity plan that provides death and total and permanent disability (TPD) coverage from 19 types of pregnancy complications and 26 congenital diseases. You can purchase this plan from as early as the 13th week of pregnancy. With this plan you will be covered for 30 days after giving birth and your infant will be covered until the end of the third policy year. Great Eastern GREAT Maternity Care also offers a daily hospital care benefit if you or your infant are hospitalised from any of the covered conditions or six additional conditions like premature birth, bronchitis and pneumonia.

One thing to note with Great Eastern's GREAT Maternity Care plan is that if the premiums are calculated based on a single child per pregnancy, conceived naturally. If you are pregnant with twins or conceived by IVF, you will be charged an additional 50% of the premium. This means that if you are pregnant with twins and it was conceived via IVF, your premiums would be the single premium X 1.5 X 1.5. Nonetheless, this standalone plan doesn't require the purchase of any additional policies, which is a rare feature.

NTUC Income Maternity 360

A standalone maternity insurance plan that that covers 10 pregnancy complications & 23 congenital conditions. Apply for this plan through our partner PolicyPal by clicking "Get a Quote".
Maternity 360 (S$5K)Maternity 360 (S$10K)
Premium (25-Year-Old)S$370.95S$741.90
Premium (30-Year-Old)S$387.70S$775.35
Premium (35-Year-Old)S$458.05S$916.10
Mother/Child Death100% of sum assured
Pregnancy Complications100% of sum assured
Congenital Illness100% of sum assured
Hospital Care Benefits1% of sum assured/day
Outpatient Phototherapy1% of sum assured/day (10 days)

NTUC Income's maternity plan is a standalone maternity plan that also gives you the option to add an additional life insurance policy for your child. You will be covered for death, 10 pregnancy complications and 23 congenital illnesses. There is also a daily hospital care benefit of 1% of your sum assured to help you pay for treating illnesses including postnatal anaemia, puerperal pyrexia and uterine infection (due to retained placenta) among others. Lastly, Income's Maternity 360 plan also covers outpatient phototherapy if your child develops severe neonatal jaundice.

Unlike typical maternity policies that cover the mother only 30 days after the child is born, Income extends the mother's coverage for the full 3 policy years. Income's maternity plan does not come with a life insurance policy already attached, but comes with the option of purchasing a life insurance plan for your baby 60 days after she/he is born. If you want to learn more about this plan or you simply want a quote, you can speak to our advisors at PolicyPal.

A standalone maternity insurance plan that that covers 10 pregnancy complications & 23 congenital conditions. Apply for this plan through our partner PolicyPal by clicking "Get a Quote".
Maternity 360 (S$5K)Maternity 360 (S$10K)
Premium (25-Year-Old)S$370.95S$741.90
Premium (30-Year-Old)S$387.70S$775.35
Premium (35-Year-Old)S$458.05S$916.10
Mother/Child Death
100% of sum assured
Pregnancy Complications
100% of sum assured
Congenital Illness
100% of sum assured
Hospital Care Benefits
1% of sum assured/day
Outpatient Phototherapy
1% of sum assured/day (10 Days)

Income's maternity plan is a standalone maternity plan that also gives you the option to add an additional life insurance policy for your child. You will be covered for death, 10 pregnancy complications and 23 congenital illnesses. There is also a daily hospital care benefit of 1% of your sum assured to help you pay for treating illnesses including postnatal anaemia, puerperal pyrexia and uterine infection (due to retained placenta) among others. Lastly, Income's Maternity 360 plan also covers outpatient phototherapy if your child develops severe neonatal jaundice.

Unlike typical maternity policies that cover the mother only 30 days after the child is born, Income extends the mother's coverage for the full 3 policy years. Income's maternity plan does not come with a life insurance policy already attached, but comes with the option of purchasing a life insurance plan for your baby 60 days after she/he is born. If you want to learn more about this plan or you simply want a quote, you can speak to our advisors at PolicyPal.

Insurance-Linked Maternity Insurance Plans

Insurers like Aviva, AIA and AXA bundle maternity insurance with a participating whole-life or investment-linked insurance policy. However, in some cases, like with Aviva, you can only buy maternity insurance if you are already insured under another qualifying plan.

Singlife Maternity Care

A supplemental maternity insurance plan available as an add-on if you have Singlife with Aviva's health, critical illness or life policies. Apply for this plan through our partner PolicyPal by clicking "Get a Quote".
BenefitsLimits
Mother/Child Death100% of sum assured
Pregnancy Complications100% of sum assured
Congenital Illness100% of sum assured
Hospital Care Benefits1% of sum assured per day
Stem Cell Treatment (transplant surgery only)50% sum assured
Developmental Delay10% of sum assured

Singlife Maternity Care is a supplemental pre-natal insurance plan that covers death, pregnancy complications and congenital illnesses. This means you or your spouse have to purchase one of Aviva's other health, critical illness or life insurance plans in order to be able to purchase Singlife Maternity Care. The plans features include a one-time payout for stem cell transplant surgery and childhood developmental delays. Furthermore, Aviva's Singlife Maternity Care covers up to 4 babies in a single pregnancy, regardless of the type of pregnancy (IVF, Intracytoplasmic Sperm Injection (ICSI), Intrauterine Insemination (IUI) and Intracervical Insemination (ICI). If you want to learn more about this play or you simply want a quote, you can speak to our advisors at PolicyPal.

A supplemental maternity insurance plan available as an add-on if you have Aviva's health, critical illness or life policies. Apply for this plan through our partner PolicyPal by clicking "Get a Quote".
BenefitsLimits
Mother/Child Death100% of sum assured
Pregnancy Complications100% of sum assured
Congenital Illness100% of sum assured
Hospital Care Benefits1% of sum assured per day
Stem Cell Treatment (transplant surgery only)50% sum assured
Developmental Delay10% of sum assured

Singlife Maternity Care is a supplemental pre-natal insurance plan that covers death, pregnancy complications and congenital illnesses. This means you or your spouse have to purchase one of Singlife with Aviva's other health, critical illness or life insurance plans in order to be able to purchase Singlife Maternity Care. The plans features include a one-time payout for stem cell transplant surgery and childhood developmental delays. Furthermore, Aviva's Singlife Maternity Care covers up to 4 babies in a single pregnancy, regardless of the type of pregnancy (IVF, Intracytoplasmic Sperm Injection (ICSI), Intrauterine Insemination (IUI) and Intracervical Insemination (ICI). If you want to learn more about this play or you simply want a quote, you can speak to our advisors at PolicyPal.

AIA Mum2Baby & Mum2Baby Protect

AIA's maternity insurance plans combine to form 2 bundles, one with a whole life policy and one with an ILP. Apply for this plan through our partner PolicyPal by clicking "Get a Quote".
BenefitsMum2Baby (Protect)
Mother/Child Death100% of sum assured
Pregnancy Complications100% of sum assured
Congenital Illness100% of sum assured
Hospital Care BenefitS$100-S$500/day (30 days)

AIA offers two maternity plan bundles, AIA Mum2Baby Protect and AIA Mum2Baby, which consist of maternity coverage for you and your newborn and a life insurance plan for your child. The AIA Mum2Baby Protect option offers a participating whole life plan, while the AIA Mum2Baby that offers an investment-linked life insurance plan. For the maternity portion, you will be covered from 14 pregnancy complications and death and have a hospital care benefit. Your child will be covered from 25 congenital illnesses and will receive a hospital care benefit as well. You will be covered even if your child is conceived via IVF, IUI, ICI and ICS. If you want to learn more about this play or you simply want a quote, you can speak to our advisors at PolicyPal.

AIA's maternity insurance plans combine to form 2 bundles, one with a whole life policy and one with an ILP. Apply for this plan through our partner PolicyPal by clicking "Get a Quote".
BenefitsMum2Baby (Protect)
Mother/Child Death100% of sum assured
Pregnancy Complications100% of sum assured
Congenital Illness100% of sum assured
Hospital Care BenefitS$100-S$500/day (30 days)

AIA offers two maternity plan bundles, AIA Mum2Baby Protect and AIA Mum2Baby, which consist of maternity coverage for you and your newborn and a life insurance plan for your child. The AIA Mum2Baby Protect option offers a participating whole life plan, while the AIA Mum2Baby that offers an investment-linked life insurance plan. For the maternity portion, you will be covered from 14 pregnancy complications and death and have a hospital care benefit. Your child will be covered from 25 congenital illnesses and will receive a hospital care benefit as well. You will be covered even if your child is conceived via IVF, IUI, ICI and ICS. If you want to learn more about this play or you simply want a quote, you can speak to our advisors at PolicyPal.

AXA HappyMummy

AXA's HappyMummy combines a prenatal insurance plan with either a life insurance plan or an investment-linked insurance plan to offer comprehensive care for expecting mothers and their family. Apply for this plan through our partner PolicyPal by clicking "Get a Quote".
BenefitsMothersBabies
Early Delivery by Caesarean Section15% of sum assured-
Pregnancy Complications Benefit100% of sum assured-
Congenital Illnesses Benefit-100% of sum assured
Hospital Care Benefit2% of sum assured for up to 30 days2% of sum assured for up to 30 days
Death Benefit100% of sum assured100% of sum assured

AXA’s HappyMummy is a 2-plan bundle consisting of a prenatal insurance plan (AXA EmpoweredMum) and either a whole life plan (AXA LifeTreasure II) or an investment-linked insurance plan (AXA Flexi Protector). AXA’s EmpoweredMum is a 3-year plan that stands out for being the first maternity plan in Singapore to cover early delivery by Caesarean section. It also offers mothers the freedom of transferring the benefits of their AXA Flexi Protector or Life Treasure (II) plans to their newborn without underwriting for the first 60 days after their birth. Additionally, AXA HappyMummy also offers a death benefit and a hospital benefit for the mother and the child, along with coverage for 15 pregnancy complications for the mother, 26 congenital illnesses for the child, and a list of 10 and 17 hospital care benefit events for the mother and child respectively. However, do note that this plan excludes coverage for death by suicide or pre-existing medical conditions. If you want to learn more about this play or you simply want a quote, you can speak to our advisors at PolicyPal.

AXA's HappyMummy combines a prenatal insurance plan with either a life insurance plan or an investment-linked insurance plan to offer comprehensive care for expecting mothers and their family. Apply for this plan through our partner PolicyPal by clicking "Get a Quote".
BenefitsMothersBabies
Early Delivery by Caesarean Section15% of sum assured-
Pregnancy Complications Benefit100% of sum assured-
Congenital Illnesses Benefit-100% of sum assured
Hospital Care Benefit2% of sum assured for up to 30 days2% of sum assured for up to 30 days
Death Benefit100% of sum assured100% of sum assured
AXA’s HappyMummy is a 2-plan bundle consisting of a prenatal insurance plan (AXA EmpoweredMum) and either a whole life plan (AXA LifeTreasure II) or an investment-linked insurance plan (AXA Flexi Protector). AXA’s EmpoweredMum is a 3-year plan that stands out for being the first maternity plan in Singapore to cover early delivery by Caesarean section. It also offers mothers the freedom of transferring the benefits of their AXA Flexi Protector or Life Treasure (II) plans to their newborn without underwriting for the first 60 days after their birth. Additionally, AXA HappyMummy also offers a death benefit and a hospital benefit for the mother and the child, along with coverage for 15 pregnancy complications for the mother, 26 congenital illnesses for the child, and a list of 10 and 17 hospital care benefit events for the mother and child respectively. However, do note that this plan excludes coverage for death by suicide or pre-existing medical conditions. If you want to learn more about this play or you simply want a quote, you can speak to our advisors at PolicyPal.

What is Maternity Insurance?

Maternity insurance is a term insurance product that provides coverage for pregnant women and their newborn child. Typically, the coverage spans from 13 weeks of pregnancy to the 3rd year of the child's life. It covers pregnancy complications, congenital illnesses and death due to these conditions. Maternity insurance policies also have a hospital care benefit that provides coverage for additional illnesses such as bronchitis, premature birth, uterine rupture and more. Unlike most critical illness and health insurance products, insurers typically package maternity insurance with a life insurance product. This means that consumers interested in maternity insurance have to be prepared and comfortable with buying a life insurance product as well.

Read More: Average Cost of Pregnancy in Singapore

What Conditions Are Covered for Expecting Mothers?

Mothers will receive coverage for 8-10 different types of pregnancy complications and around 18 post-childbirth conditions. Please see the table below for examples of covered conditions. Because each insurer provides their own level of coverage, you should always make sure you read the policy wording to see which conditions are covered. Maternity insurance does not cover typical pregnancy costs like normal childbirth, prenatal and postnatal check ups or vaccinations.

Covered Pregnancy Complications

  • Abruptio Placentae
  • Amniotic Fluid Embolism
  • Disseminated Intravascular Coagulation
  • Fatty Liver of Pregnancy
  • HELLP Syndrome
  • Placenta Increta/Percreta
  • Postpartum Haemorrhage requiring Hysterectomy
  • Pre-Eclampsia/Eclampsia
  • Still Birth
  • Uterine Rupture

Covered Conditions for Mother's Hospital Care Benefit

  • Abruptio Placentae
  • Amniotic Fluid Embolism
  • Fatty Liver of Pregnancy
  • Disseminated Intravascular Coagulation
  • HELLP Syndrome
  • Postnatal Anaemia
  • Inpatient Psychiatric Treatment
  • Placenta Increta/Percreta
  • Postpartum Haemorrhage
  • Pre-Eclampsia/Eclampsia
  • Puerperal Pyrexia
  • Pulmonary Embolism
  • Repair of 4th Degree Perineal Tear
  • Septic Pelvic Thrombophlebitis
  • Still Birth
  • C-Section Surgical Site Infection
  • Uterine Infection/Transfusion from Retained Placenta
  • Uterine Rupture

What Conditions Are Covered for Newborns?

Newborns will receive coverage for 18-23 congenital illnesses. They will also be covered for 5-7 illnesses under the hospital care benefit if the condition requires Intensive Care Unit (ICU) or High Dependency Unit (HDU) admission. As with the mother's coverage, you should read the policy wording for the exact conditions your insurer covers. Below, we provide an example of covered conditions.

Covered Congenital Illnesses

  • Absence of 2 Limbs
  • Anal Atresia
  • Atrial Septal Defect
  • Biliary Atresia
  • Cerebral Palsy
  • Cleft Palate/Lip
  • Club Foot
  • Congenital Cataract
  • Congenital Blindness
  • Congenital Deafness
  • Congenital Diaphragmatic Hernia
  • Congenital Diaphragmatic Hernia
  • Congenital Hip Dislocation
  • Down's Syndrome
  • Infantile Hydrocephalus
  • Retinopathy of Prematurity
  • Spina Bifida
  • Tetralogy Fallot
  • Transposition of Great Vessel
  • Truncus Arteriosus
  • Ventricular Septal Defect
  • Patent Ductus Arteriosus
  • Congenital Hypertrophic Pyloric Stenosis

Covered Conditions Under Hospital Care Benefit

  • Hand, Foot & Mouth Disease
  • Incubation of Newborn (3 Days +)
  • Pneumonia
  • Bronchitis
  • Premature Birth
  • Dengue Fever
  • Severe Neonatal Jaundice

Is Maternity Insurance Necessary?

A: Maternity insurance could benefit expecting mothers who want extra coverage against serious pregnancy-related medical conditions. Thus, while it is not necessary, some families may find it useful. For instance, while Integrated Shield Plans offer coverage for basic pregnancy complications like ectopic pregnancy or eclampsia, they do not cover a myriad of other conditions maternity insurance covers. Not every integrated shield plan has a newborn benefit that covers congenital illnesses and ICU admissions. Furthermore, while Medishield Life is expanding their coverage to 24 pregnancy complications, the covered conditions do not completely overlap with the ones covered by maternity insurance plans.

However, pregnancy insurance does come with its own set of potential concerns. For instance, besides Great Eastern's maternity insurance plan, you may be obligated to purchase a protection insurance policy (typically life insurance) as well. Life insurance is a long-term commitment and cancelling a policy early may result in financial losses (low surrender value) and termination fees. Because of this, it is recommended that you speak with a financial adviser if you believe maternity insurance is necessary for your pregnancy.

How to Choose the Best Maternity Insurance

Maternity insurance is an optional policy, meaning you don't need to purchase it unless you are absolutely sure you will benefit from its coverage. If you are definitely interested, then it is important to consider your current insurance needs. Since most pregnant plans come with a life insurance component, you may have to be prepared to also get a life insurance policy. This means that a combination maternity and life insurance plan may be suitable if you are already in the market for a whole life or investment-linked policy. However, if you are not looking for a new life insurance policy, then you may find a standalone maternity policy more suitable. If you are thinking of getting a policy that has a life insurance component, it's important to talk to a financial adviser to ensure the product will be suitable for you and your baby's future needs.

Once you have narrowed down your search to the type of policy you want, you can compare the benefits of different plans. For instance, while some insurers offer coverage for 18 congenital illnesses, other insurers cover 23. While some insurers cover any type of pregnancy, others will refuse coverage or will charge you more if you have gotten pregnant via IVF. Furthermore, insurers have different eligibility periods, giving you more or less time to sign up for the policy. For example, some insurers let you buy the policy as late as your 40th week of pregnancy, while others have an eligibility cut off at 32 weeks . Lastly, price is another important factor to consider. Because you can only pay premiums once, you will have to make sure you have enough cash available. This is especially important if you are an older woman, since maternity plans can cost over S$1,000 for women over 40.

Frequently Asked Questions

Want to learn more about this product? Read our answers to some commonly asked questions about maternity insurance.

Yes, you can buy maternity insurance if you are already pregnant. Depending on the provider, you can purchase a prenatal insurance policy between your 13th week of pregnancy to your 40th week.

Ideally, you and your baby should be covered by maternity insurance as early as possible. Since pregnancy complications can arise at any point in your pregnancy, you can benefit from buying maternity insurance sooner, rather than later. Most plans open their purchase eligibility up by your 13th week of pregnancy. However, you can invest in a pregnancy insurance plan as late as your 40th week with some providers.

Health insurance plans like MediShield Life and Integrated Shield Plans (IP) can help offset the high costs of serious pregnancy and delivery-related complications like postpartum hemorrhage or eclampsia. However, maternity insurance extends the range of coverage you'd receive from more basic health insurance plans.

The cost of maternity insurance ranges from S$300 to more than S$1,000, depending on the provider, as well as your own qualifications. As a rule of thumb, you will benefit from cheaper annual premiums if you are younger and considered healthy. For instance, a 25-year old woman can purchase an NTUC Income Maternity 360 plan for S$5k sum assured for S$370.95, while a 35-year old woman would have to pay a higher premium of S$458.05.

While exclusions differ per maternity insurance plan, there are a few scenarios that are potentially unprotected by maternity insurance. If these apply to you, please check with your desired provider to confirm coverage, if any:

  • In-vitro fertilisation (IVF) pregnancy
  • Women pregnant with 2 or more babies
  • Overseas treatment
  • Women younger than 18
  • Women older than 45

Disclaimer

Purchasing a life insurance policy is a long-term commitment and requires consultation with a financial adviser. We do not claim to endorse or promote any particular product and all information shown here is for general education purposes only. Please speak to a financial adviser if you are interested in purchasing any of these products.

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Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.