2026 Singapore Guide
Written by Darlene · Reviewed by Cherie, ChFC, CLU · Last reviewed 31 Aug 2026
Updated Sep 2026: Compare maternity insurance in Singapore across 9 plans from 7 insurers, including standalone and bundled options, IVF terms, pregnancy complications and newborn benefits.
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Maternity insurance is not for everyone. It is designed for parents who want extra protection during pregnancy and after birth. MOH describes it as optional private cover that can add protection for pregnancy complications and conditions a baby is born with.
Maternity insurance pays fixed cash benefits when a covered pregnancy complication or newborn condition happens. It works alongside MediShield Life and your Integrated Shield Plan rather than replacing them. Many plans also let you insure your newborn without medical underwriting, subject to plan rules.
Pregnancy complications
A lump sum or daily cash benefit may be paid for listed conditions such as pre-eclampsia, gestational diabetes, placenta problems and miscarriage after a stated stage of pregnancy.
Congenital conditions
A lump sum may be paid if the baby is born with a condition listed in the policy. The plans we compare cover 23 to 26 conditions.
Premature birth & NICU
The plan may pay a lump sum or daily cash if the baby is born early or needs neonatal intensive care.
Guaranteed newborn cover
Some plans offer life, total and permanent disability, critical illness or hospital cover for the baby without medical underwriting.
Mother’s hospital & psychological care
Every plan pays the mother daily hospital cash for covered complications. Some plans also include limited mental health support after birth.
Maternity insurance in Singapore does not cover everything. Routine delivery, conditions not listed in the policy and conditions known before you apply are usually excluded.
Maternity insurance may be worth comparing if any of these apply to you.
It may be less useful if you are already past the application window or you only want help with hospital bills. MediShield Life and your Integrated Shield Plan already cover eligible hospital costs.
Maternity insurance only pays when a covered event happens. If the pregnancy goes smoothly and no covered event occurs, there is usually no payout and the premium is not refunded. The value comes from the protection you have during the pregnancy and the newborn options included in the plan.
Not sure if maternity insurance is worth it for you? Get a free, no-obligation comparison.
Parents often ask why they need maternity insurance when they already have MediShield Life and an Integrated Shield Plan. The short answer is that they do different jobs.
| MediShield Life | Integrated Shield Plan | Maternity Insurance | |
|---|---|---|---|
| How it helps | Helps pay eligible hospital bills | Helps pay eligible hospital bills at higher ward classes | Pays fixed cash benefits when the policy conditions are met |
| Pregnancy complications | Covers inpatient treatment for 24 listed serious pregnancy and delivery complications at MediShield Life claim limits | May extend hospital bill cover to A ward or private hospital | Cash benefit for listed pregnancy complications |
| Emergency Caesarean or premature birth | Eligible hospital costs only | Eligible hospital costs only | May pay a cash benefit for a listed complication, or NICU cash for premature birth |
| Condition found in the baby at birth | Eligible hospital costs only | Eligible hospital costs only | May pay a lump sum for listed conditions |
| Cover for the newborn | Singapore Citizen babies are covered from birth | Baby needs their own Integrated Shield Plan, usually applied for after birth | Selected newborn or NICU benefits may start from birth |
| Guaranteed newborn insurance | No | No | Selected plans may offer life, critical illness, early critical illness or hospital cover without medical underwriting |
In short: MediShield Life and Integrated Shield Plans mainly help with eligible medical bills. Maternity insurance can add fixed cash benefits and selected newborn benefits. The plans can work together rather than replace one another.
Most maternity insurance plans in Singapore fall into two groups. One is a standalone cover for the pregnancy. The other is maternity cover that comes with a longer term life or investment linked plan.
Standalone
Standalone maternity insurance
Bundled
Bundled maternity insurance
Planner Bee maternity enquiries show that about 55% of parents choose bundled plans. The most common reason is wanting to keep their baby insurable if a health issue is found during pregnancy or at birth.
What if the pregnancy does not continue?
A standalone plan may pay a benefit for a covered miscarriage if the policy conditions are met. A bundled plan’s base policy may continue under its own terms even without a live birth.
Finding the best maternity insurance in Singapore has to start with knowing what matters most to you. The comparison below covers coverage limits, newborn benefits and assisted-pregnancy terms across 9 plans.
Widest list of Pregnancy conditions covered
Highest new born coverage, without health checks
Widest Congenital Conditions Covered
Developmental Delay Cover
Most plans accept applications from week 13 to week 36. Income closes at week 35. For pregnancies with three or more babies, Prudential accepts applications only from week 28 to week 35.
| INSURER, PLAN | POLICY TYPE | PREGNANCY COMPLICATIONS | ASSISTED PREGNANCY | ELIGIBLE HOSPITAL CONDITIONS | PSYCHOLOGICAL BENEFITS |
|---|---|---|---|---|---|
| AIA AIA Mum2Baby Choices | Bundled | 14 | Yes | 10 | Hospital care benefit for inpatient psychiatric treatment |
| Great Eastern Great Eastern Maternity Protect | Standalone | 18 | Yes | 10 | Three sessions within 120 days of childbirth, capped at $100 / session |
| Great Eastern Great Eastern Maternity Protect Multiplier | Bundled | 18 | Yes | 10 | Three sessions within 120 days of childbirth, capped at $100 / session |
| HSBC Life HSBC Life HappyMummy | Bundled | 15 | Yes | 10 | Hospital care benefit for inpatient psychiatric treatment |
| Income Income Maternity 360 | Standalone | 10 | No | 8 | Hospital care benefit for inpatient psychiatric treatment |
| Manulife Manulife ReadyMummy | Standalone | 14 | Yes | 8 | Inpatient hospital care Additional 10% of sum assured for Major Depressive Disorder or Generalised Anxiety Disorder |
| Prudential Prudential PRUMum | Standalone | 17 | Yes | 10 | Two sessions within 60 days of childbirth, capped at $100 / session Postpartum depression benefit of 5% of sum assured |
| Prudential Prudential PRUFirst Promise | Bundled | 17 | Yes | 10 | Two sessions within 60 days of childbirth, capped at $100 / session Postpartum depression benefit of 5% of sum assured |
| Singlife Singlife Maternity Care | Standalone | 10 | Yes | 18 | Hospital care benefit for inpatient psychiatric treatment |
Data accurate as of September 2026. All values are in Singapore dollars.
In short:
This comparison covers key features that covers the child.
| INSURER, PLAN | CONGENITAL ILLNESSES COVERED | PREMATURE BIRTH REQUIRING NICU | GUARANTEED HOSPITALISATION FOR NEWBORN | ELIGIBLE HOSPITAL CONDITIONS | MAX. GUARANTEED INSURANCE WITHOUT MEDICAL UNDERWRITING |
|---|---|---|---|---|---|
| AIA AIA Mum2Baby Choices | 25 | Covered under hospital care: 2% per day, up to 30 days | No | 20 | Life: $300K TPD: $300K CI: $300K ECI: $300K¹ |
| Great Eastern Great Eastern Maternity Protect | 26 | 15% of sum assured for eligible delivery before 36 weeks, on top of applicable hospital care | No, simplified underwriting | 6 | Life: $350K TPD: $350K CI: $350K ECI: $350K |
| Great Eastern Great Eastern Maternity Protect Multiplier | 26 | 15% of sum assured for eligible delivery before 36 weeks, on top of applicable hospital care | No, simplified underwriting | 6 | Life: $350K TPD: $350K CI: $350K ECI: $350K |
| HSBC Life HSBC Life HappyMummy | 26 | Covered under hospital care: 2% per day, up to 30 days | Yes | 17 | Life: $300K TPD: $300K CI: $300K ECI: $300K¹ |
| Income Income Maternity 360 | 23 | Covered under hospital care: 1% per day, up to 30 days | No | 7 | Life: $150K TPD: $150K CI: $150K |
| Manulife Manulife ReadyMummy | 24 | Covered under hospital care: 1% per day, up to 30 days | No | 5 | Life: $200K TPD: $200K CI: $100K ECI: $100K |
| Prudential Prudential PRUMum | 25 | 2% per day, up to 50% of sum assured 50% accelerator benefit for at least 3 consecutive NICU days | Yes | 23 | None |
| Prudential Prudential PRUFirst Promise | 25 | 2% per day, up to 50% of sum assured 50% accelerator benefit for at least 3 consecutive NICU days | Yes | 23 | Life: $500K TPD: $500K CI: $500K ECI: $500K |
| Singlife Singlife Maternity Care | 23 | Covered under hospital care: 1% per day, up to 30 days | Yes | 5 | Life: $150K TPD: $150K |
Data accurate as of September 2026. All values are in Singapore dollars.
¹ ECI claims associated with qualifying pre-existing congenital conditions before age six are capped at S$30,000.
NICU care can cost around S$780 a day before medication and doctor fees, and up to about S$2,000 a day in a private hospital. On a S$10,000 plan, most maternity plans pay S$100 to S$200 a day for up to 30 days.
The details can be hard to compare. We can review the plans side by side and explain the differences in simple terms.
Once you have shortlisted a few maternity insurance plans, compare the points below. They can make a bigger difference than the headline price.
1
These plans offer a sum assured between S$5,000 and S$30,000. Many benefits, such as hospital cash and NICU cash, are a percentage of the sum assured. A higher amount increases the payout but also the premium.
2
Some plans pay a daily amount up to a limit, while others add a lump sum. Compare both the daily payout and the maximum number of days.
3
Standalone cover may suit you if you only want pregnancy protection. Bundled cover may suit you if you also want longer term insurance for your child.
4
A plan with more listed conditions is not always better for your needs. Check whether the pregnancy complications or baby conditions you are most concerned about are included.
5
Plans differ in the amount, the types of cover and whether a hospital plan is included.
6
HSBC Life charges the same premium for assisted pregnancies, Manulife adds a 75% loading while Prudential and Singlife charges more. Income Maternity 360 does not accept assisted pregnancies.
Already shortlisted a few plans? We can compare the policy details side-by-side.
There is no single price for pregnancy insurance in Singapore. The premium can differ based on your age, health, pregnancy details, coverage amount and the plan you choose.
The example below is for a 32-year-old woman with a natural single pregnancy and a $10,000 sum assured.
| INSURER | PLAN | ONE-TIME PREMIUM COST |
|---|---|---|
| Singlife | Maternity Care | $698 |
| Income | Maternity 360 | $837.65 |
| Manulife | ReadyMummy | $840 |
| Prudential | PRUMum | $902.40 |
| Great Eastern | Maternity Protect | $1,108 |
Note: All values are in Singapore dollars
The following example is shown for whole life coverage with $200K sum assured for death, total permanent disability, critical illness, early critical illness (Death/TPD/CI/ECI).
| INSURER | PLAN | ONE-TIME PREMIUM COST | BASE POLICY ANNUAL COST (20 YEAR PREMIUM TERM) |
|---|---|---|---|
| HSBC | Happy Mummy | $838 | $1,454.22 |
| Prudential | PRUFirst Promise | $902.40 | Year 1: $962.50 (Death/TPD only) Year 2 onwards: $1990.80 (Death/TPD/CI/ECI) |
| AIA | AIA Mum2Baby Choices | $920 | $1,613.39 |
Note: All values are in Singapore dollars. The maternity portion is paid once. The base policy continues under its own payment term and may later be transferred to the child.
What this means
Standalone plans usually cost less upfront because you pay only for the maternity cover. Bundled plans cost more because you also pay for a base policy that continues after the maternity period. When comparing, look at the total premiums over the payment term rather than the first-year amount alone, and weigh that against the newborn cover you get in return. Maternity insurance is only one part of your baby budget, alongside delivery, childcare and other early costs.
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A specialist goes through the options with you, explains the policy illustration, and answers anything you’re unsure about.
Once you’ve chosen an option, we help with the application and follow up with the insurer until your policy is active.
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1. Why consider maternity insurance if I already have MediShield Life and an Integrated Shield Plan?
MediShield Life and your Integrated Shield Plan mainly help with eligible hospital bills. Singapore Citizen babies are covered by MediShield Life from birth. Maternity insurance can add fixed cash benefits for selected complications and may also offer newborn insurance without medical underwriting.
2. Can I buy maternity insurance if I’m undergoing IVF?
Many insurers accept IVF and IUI pregnancies, but terms differ. HSBC Life charges the same premium as for a natural pregnancy. Manulife adds a 75% loading and covers one baby only. Singlife charges a higher premium, and Income does not accept assisted pregnancies.
3. Can maternity insurance give my child lifelong protection?
Yes, with a bundled plan. The base life policy can be transferred to your child after birth without medical underwriting, subject to the plan terms. AIA Mum2Baby Choices, Great Eastern Maternity Protect Multiplier, HSBC Life HappyMummy and Prudential PRUFirst Promise offer this route.
4. What happens if I have a miscarriage?
Some plans pay a benefit for miscarriage caused by accidents only. If you purchased a bundled plan.
5. What if a complication is diagnosed before I apply?
A condition that is already diagnosed is usually treated as an existing condition. It may be excluded, lead to a higher premium or affect whether the insurer accepts the application.
6. Is there a waiting period for maternity insurance?
Maternity plans generally do not have a waiting period like other health insurance. Instead, you must apply within the allowed pregnancy weeks, usually 13 to 36 weeks and some benefits start only at certain stages.
7. Does maternity insurance cover a Caesarean section?
Maternity plans typically cover infections of the surgical site from a Caesarean section. It does not provide cover for Caesarean section itself.
Tell us about your pregnancy and a MAS-licensed adviser will prepare a personalised maternity insurance comparison across all 9 plans and follow up within two business day.
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