Great Eastern Maternity Insurance: What Makes it Unique?

Great Eastern’s standalone maternity plan offers comprehensive coverage for the mother and her newborn. We breakdown all the details.

ValueChampion Editorial Team

by ValueChampion Editorial Team on Jul 26, 2024

great Eastern Singapore

Great Eastern’s GREAT Maternity Care 2 plan is a standalone maternity plan that aims to financially protect the pregnant mother and her newborn for 3 years. What makes it stand out is the fact that you are not obligated to purchase another insurance policy—unlike most maternity insurance plans. However, while this feature can make the plan a suitable option for some people, GREAT Maternity Care 2’s restrictions surrounding certain pregnancy situations may make it less suitable for others.

Table of Contents

Summary of Great Eastern GREAT Maternity Care 2
Covers 18 pregnancy and childbirth complications and 26 congenital illnesses
Standalone Maternity Plan: doesn’t require you to purchase a life insurance policy
Eligible from the 13th week of pregnancy until the 36th week of pregnancy

Great Eastern GREAT Maternity Care 2 Highlights & Benefits

Great Eastern’s GREAT Maternity Care 2 plan is a standalone maternity insurance policy. It provides financial protection against the mother’s total and permanent disability or death, the newborn’s death, pregnancy complications and congenital illnesses. There are two options to choose from: the Essential plan, with a sum assured of S$5,000 or S$10,000. Premiums are paid once and customers will receive three years of coverage. Unlike most maternity insurance policies, it does not come tied to a life insurance policy. However, individuals do have the option to easily sign up to a life insurance policy for either mother and/or baby within 90 days of their child’s birth with no medical underwriting. Any pre-existing conditions diagnosed in the child prior to the purchase of the new policy via this option, will also be covered. Subject to T&C.

Great Eastern also offers a daily hospital care benefit of S$100 or S$200 or 2% of the sum assured per day for a maximum of 30 days. This benefit will be paid out if you are hospitalised for any of the covered pregnancy complications. It will also be paid out if your child gets admitted to hospital due to any of the covered congenital illnesses, 15 juvenile illnesses and even conditions such as hand, foot and mouth disease.

Covered Pregnancy and Childbirth Complications

  • Abruptio Placentae
  • Amniotic Fluid Embolism
  • Antepartum and Intrapartum Haemorrhage
  • Choriocarcinoma and Hydatiform mole
  • Disseminated Intravascular Coagulation (DIVC)
  • Ectopic Pregnancy
  • Fatty Liver of Pregnancy
  • Gestational Diabetes resulting in Foetal Macrosomia and Neonatal Hypoglycaemia
  • HELLP Syndrome (haemolysis, elevated liver enzymes, low platelet count)
  • Miscarriage or Termination of Pregnancy due to Life Threatening Condition
  • Placenta Increta/Percreta
  • Placenta Previa
  • Postpartum Haemorrhage requiring Hysterectomy
  • Pre-Eclampsia or Eclampsia
  • Still Birth (after 28 weeks)
  • Twin-to-Twin Transfusion Syndrome
  • Uterine Rupture
  • Vasa Previa

Covered Congenital Illnesses

  • Absence of Two Limbs
  • Albinism
  • Anal Atresia
  • Atrial Septal Defect
  • Biliary Atresia
  • Cerebral Palsy
  • Cleft Palate/Cleft Lip
  • Club Foot
  • Coarctation of Aorta
  • Congenital Abnormalities of the Kidney and Urinary Tract (CAKUT)
  • Congenital Blindness
  • Congenital Cataract
  • Congenital Deafness
  • Congenital Diaphragmatic Hernia
  • Congenital Hypertrophic Pyloric Stenosis
  • Development Dysplasia of the Hip
  • Down’s Syndrome
  • Infantile Hydrocephalus
  • Patent Ductus Arteriosus
  • Retinopathy of Prematurity
  • Spina Bifida
  • Tetralogy Fallot
  • Trancheo-Esophageal Fistula or Esophageal Atresia
  • Transposition of Great Vessel
  • Truncus Arteriosis
  • Ventricular Septal Defect

While Great Eastern can be suitable for mothers who don’t want to be forced into buying life insurance, it

does have features that may be drawbacks for certain consumers. For instance, If you are pregnant with twins or conceived by IVF, you will be charged an additional 50% of the premium per child. Thus, it is important to read the eligibility thoroughly to see whether all of your concerns are addressed.

Learn More About Great Eastern's Great Maternity Care 2 PlanFind Out More

Policy Eligibility & Exclusions

Women who are between the ages of 18 and 45 at their next birthday and are eligible to purchase GREAT Maternity Care 2 from their 13th week of pregnancy until their 36th week of pregnancy.

One thing to note with Great Eastern’s GREAT Maternity Care 2 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 per child. 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.

For a full list of terms and conditions you should read the policy documents that come with your plan.

Claims & Contact Information

To file a claim, you can contact Great Eastern’s customer service or email them at the email provided below to confirm which forms you need to fill out. Once you have filled out the appropriate forms, you can submit the form with your supporting documents either by mailing them to their claims department or through your representative.

Contact Information
Customer Service Number1800 248 2888
Address1 Pickering Street #01-01, Great Eastern Centre, Singapore 048659

Great Eastern GREAT Maternity Care 2 Summary

Great Eastern’s maternity insurance plan is a straightforward and short-term protection plan against the unexpected costs of childbirth. You should speak to your financial adviser if you believe this plan would be a suitable option for your needs. Below we summarise GREAT Maternity Care 2’s premiums and benefits.

Table of Premiums Payable

Entry Age of Mother (based on age at next birthday)Single Premium for Sum Assured of S$5,000Single Premium for Sum Assured of S$10,000
18-30S$478S$860
31-35S$509S$916
36-39S$582S$1,106
40-45S$670S$1,273

Table of Benefits

MembersBenefitsBenefit Limit
Life Assured (Mother)Death or Total and Permanent Disability (TPD) Benefit100% of the Basic Sum Assured in payable once
Pregnancy and Childbirth Complications Benefit100% of the Basic Sum Assured in payable once
Hospital Care Benefit2% of the Basic Sum Assured is payable per day, up to a maximum of 30 days
Psychological Consultations BenefitS$100 per consultation, up to a maximum of 3 consultations
Mum Again BenefitEligible, subject to terms and conditions
Guaranteed Insurability BenefitEligible, subject to terms and conditions
Insured Child(ren)Death Benefit100% of the Basic Sum Assured in payable once
Congenital Illness Benefit100% of the Basic Sum Assured in payable once
Juvenile Illness Benefit100% of the Basic Sum Assured in payable once
Hospital Care Benefit2% of the Basic Sum Assured is payable per day, up to a maximum of 30 days
Major Organ Benefit50% of the Basic Sum Assured in payable once
Guaranteed Insurability BenefitEligible, subject to terms and conditions

Learn More About Great Eastern's Great Maternity Care 2 PlanFind Out More

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