Updated Mar 2026: Compare Singapore’s best maternity insurance side-by-side. From standalone plans to IVF-inclusive coverage, we scan all major insurers such as AIA, Great Eastern, and HSBC to find the widest protection for you and your baby.
Get free quoteMaternity insurance is a prenatal insurance plan that can be purchased during pregnancy to protect against specified medical complications affecting the mother or baby.
Unlike traditional health insurance that reimburses hospital bills, maternity insurance usually provides one-time lump-sum payouts or daily cash benefits when insured events occur.
These benefits may help cover expenses such as:
Most maternity insurance plans only pay benefits if a listed pregnancy complication or congenital condition occurs.
If the pregnancy proceeds without complications, the policy typically does not provide payouts or premium refunds.
Maternity insurance usually covers a wide range of pregnancy complications, including common problems such as high blood pressure, gestational diabetes, premature pregnancies, and miscarriages.
It may also include mental health and hospitalisation benefits, where payouts are given if the mother is hospitalised for complications related to the pregnancy.
Maternity insurance also covers birth defects. Some of the most common and serious birth defects include congenital heart diseases, cleft lip or palate, clubfoot, missing or undeveloped limbs, and Down syndrome. A maternity insurance plan should cover 17 to 26 types of birth defects.
Premiums are not returned and there are no payouts if the pregnancy is successful.
Caesarean delivery can cost as much as $9,116.
Maternity insurance can provide financial support when pregnancy complications occur, but benefit limits and covered conditions differ between insurers.
Source: Pacific Prime
Maternity insurance plans in Singapore generally fall into two categories.
1. Standalone maternity insurance
Standalone maternity policies focus specifically on pregnancy-related risks. Coverage usually lasts for a limited period covering pregnancy and early infancy.
2. Bundle maternity plans
Bundle maternity plans attach maternity coverage to an existing base insurance policy, such as:
In these cases, the maternity rider provides pregnancy-specific benefits while the base policy continues providing longer-term coverage.
Benefit limits and covered conditions vary significantly between insurers, so comparing plan details is important before choosing a policy.
The table below compares maternity insurance plans based on the benefits provided for the mother during pregnancy, including coverage scope, eligibility conditions, and policy structure across different insurers.
| Plan name | AIA Mum2Baby Protect | Great Eastern Maternity Care 2 | HSBC Life HappyMummy & HappyFamily | Income Maternity 360 | Manulife ReadyMummy | Prudential PRUMum & PRUFirst Promise | Singlife Maternity Care |
| Policy type | Bundle (Maternity term + Whole life) | Standalone (Maternity term) | Bundle | Standalone | Standalone | Standalone – PRUMum Bundle – PRUFirst Promise | Standalone² |
| Sum assured | $5K – $25K | $5K – $10K | $5K – $30K | $5K – $10K | $5K – $20K | $5K – $20K | $5K – $20K |
| Application eligibility period during pregnancy – natural pregnancy | 13 – 36 weeks | 13 – 36 weeks | 13 – 36 weeks | 13 – 35 weeks | 13 – 36 weeks | 13 – 36 weeks | 13 – 36 weeks |
| Assisted pregnancy covered | Yes | Yes | Yes | No | Yes | Yes | Yes |
| Pregnancy complications covered | 14 | 18 | 15 | 10 | 14 | 17 | 10 |
| Maximum number of fetus covered | 1 | 2 | 2 | 2 | 2 (1 fetus if assisted pregnancy) | Multiple fetus | 4 |
| Daily hospital care benefit for mother | 2% of sum assured up to 30 days | 2% of sum assured up to 30 days | 2% of sum assured up to 30 days | 1% of sum assured up to 30 days | 1% of sum assured up to 30 days | 2% of sum assured up to 100% of sum assured or 60 days from birth of child | 1% of sum assured up to 30 days |
| Hospital conditions eligible for daily care benefit | 10 | 10 | 10 | 8 | 8 | 10 | 18 |
| Psychological benefits | Inpatient hospital care benefit | 3 sessions, capped at $100 / session within 120 days of childbirth | Inpatient hospital care benefit | Inpatient hospital care benefit | Inpatient hospital care benefit Pays 10% of sum assured for Major Depressive Disorder (MDD) or Generalised Anxiety Disorders (GAD) | 2 sessions, capped at $100 / session within 60 days | – |
²For applications submitted between 3 June 2024 – 31 December 2026
NICU care costs $780 a day before medication and doctor’s fees.
Parents comparing maternity insurance plans should review daily hospital cash benefits and NICU coverage carefully, as benefit limits vary across insurers.
Source: Thomson Medical
The table below compares how different insurers structure newborn-related benefits, including coverage scope and eligibility conditions.
| Plan name | AIA Mum2Baby Protect | Great Eastern Maternity Care 2 | HSBC Life HappyMummy & HappyFamily | Income Maternity 360 | Manulife ReadyMummy | Prudential PRUMum & PRUFirst Promise | Singlife Maternity Care |
| Congenital illnesses covered | 25 | 26 | 26 | 23 | 24 | 25 | 23 |
| Daily hospital care benefit for child | 2% of sum assured up to 30 days | 2% of sum assured up to 30 days | 2% of sum assured up to 30 days | 1% of sum assured up to 30 days | 1% of sum assured up to 30 days | 2% of sum assured per day; up to 50% of sum assured or when child reached three years old | 1% of sum assured up to 30 days |
| Hospital conditions eligible for daily care benefit | 20 | 6 | 17 | 7 | 5 | 23 | 5 |
| Developmental delays | No coverage | No coverage | No coverage | No coverage | No coverage | No coverage | 10% of sum assured |
| Jaundice related benefits¹ | 2% of sum assured, up to 30 days | 2% of sum assured up to 30 days | 2% of sum assured up to 30 days | 1% of sum insured / day of rental of a phototherapy machine, max 10% of sum assured | 1% of sum insured / day of rental of a phototherapy machine | Within 60 days of childbirth: 10% of sum assured | 1% of sum insured / day of rental of a phototherapy machine, max 10% of sum assured |
| Premature birth requiring NICU | 2% of sum assured up to 30 day | 2% of sum assured up to 30 day | Under 36 weeks: 15% of sum assured | Under 37 weeks: 1% of sum assured up to 30 days | 1% of sum assured up to 30 day | Under 37 weeks: 2% of sum assured up to 25 days | 1% of sum assured up to 30 days |
| Guaranteed hospitalisation benefit for newborn | Yes³, Healthshield Gold Max Plan B and rider are guaranteed issue | No | Shield Plan B and rider are guaranteed issue with the first-year premium free for Shield only | No | No | Yes, for PRUShield Plus or Standard Plan | Yes4, for Shield Plan 2 & rider |
| Maximum guaranteed insurance coverage for newborn without medical underwriting | Life: $300K Total permanent disability (TPD): $300K Critical illness (CI): $300K Early critical illness (ECI): $300K | Life: $150K TPD: $150K CI: $150K ECI: $50K | Life: $300K TPD: $300K CI: $300K ECI: $300K | Life: $150K TPD: $150K CI: $150K ECI: None | Life: $200K TPD: $200K CI: $100K ECI: $100K | PRUMum: No guaranteed life insurance PRUFirst Promise: TPD: $500K CI: $500K ECI: $500K | Life: $150K TPD: $150K CI: None ECI: None |
¹Rental of phototherapy machine up to 10 days
³For applications submitted between 1 June 2023 – 30 November 2026
4For applications till 31st December 2026
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Expectant mothers can usually purchase maternity insurance between 13 and 36 weeks of pregnancy, depending on the insurer.
Premiums are generally fixed regardless of when the policy is purchased during this eligibility window, which means buying earlier allows a longer period of coverage.
Eligibility may also depend on factors such as:
MediShield Life is compulsory for Singapore Citizens and Permanent Residents, providing basic health insurance coverage. However, MediShield Life and Integrated Shield Plans do not provide direct payouts for events such as:
These situations may require significant out-of-pocket expenses.
For example, neonatal intensive care unit (NICU) treatment at a private hospital can cost up to $2,000 per day. Even with maternity insurance, full costs may not be covered because many plans provide daily payouts capped at around $600 per day for up to 30 days.
Based on Planner Bee maternity insurance enquiries, about 55% of parents choose bundled maternity plans rather than standalone policies. The most common concerns are high NICU costs for premature births and ensuring the baby remains insurable if complications arise during pregnancy or at birth.
Maternity insurance policies also only cover specified pregnancy complications or congenital conditions listed in the policy. Medical events outside these lists will not qualify for payouts.
Parents considering maternity insurance should also understand that if the maternity rider is part of a bundled plan, the accompanying whole life or investment-linked policy will continue according to its terms, even if the child or foetus dies. The maternity coverage remains focused on protecting the mother during pregnancy.
At the moment, MediShield Life provides coverage for 24 pregnancy complications, including gestational diabetes and preeclampsia. The full list of complications can be found on MOH’s website.
Your IP also covers pregnancy complications, but only if it is a stated pregnancy complication condition, including preeclampsia and eclampsia.
All Singapore Citizen babies are automatically covered by MediShield Life from birth, including those with congenital and neonatal conditions for life. However your IP does not provide coverage for your little one and you can only apply for insurance for your infant when they are at least 15 days old.
A maternity insurance can complement your MediShield Life plan and IP as the payout will be made on top of those coverage.
If you choose to buy a standalone maternity insurance, you will only have to make payment for your maternity insurance once.
If you choose to buy a maternity insurance bundle plan that includes the maternity rider and base plan, you will pay the premiums for the maternity rider once and the base plan continues based on the chosen term.
For a one-time premium, your maternity insurance (rider) will provide coverage for 3 to 4 years.
Premium for standalone plans starts at $800 while bundled plans starts at $2,000. Premiums are customised for each individual as it depends on the mother’s profile, pregnancy type and insured amount.
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Yes, you can still purchase maternity insurance for peace of mind. However, bear in mind that not all insurers provide coverage for pregnancies through IVF. Compared to naturally conceived pregnancies, some insurers who cover pregnancies through IVF may impose extra premium loading.
If you are undergoing an IVF pregnancy, be sure to look out for a plan that provides you with coverage for the IVF-associated risks. Furthermore, pregnancies following assisted reproductive technology tend to result in more than one baby at the same time.
Maternity insurance provides broad coverage for congenital illnesses, as babies born after IVF have an increased risk for congenital abnormalities. In fact, it provides coverage for up to 4 children in a pregnancy, for up to 26 congenital disorders.
If your base plan is a life insurance, your policy will provide you coverage until your newborn has a birth certification. A transfer of the whole life plan to your child can be made within 60 days of birth without any medical underwriting.
One example would be the AIA Mum2Baby Protect plan. However, this is a rider that customers can only purchase on top of AIA’s whole life policy (AIA Guaranteed Protect Plus) or ILP (AIA Pro Lifetime Protector).
To provide your child with lifelong protection, you have the option of transferring your base policy of AIA Guaranteed Protect Plus or AIA Pro Lifetime Protector to your infant, with the assurance that your little one can get basic life insurance without underwriting.
Additionally, Great Eastern’s Great Maternity Care 2, HSBC Life’s HappyMummy and HappyFamily, Prudential’s PRUMum and PRUFirst Promise policies also provide coverage for twins conceived through IVF.
In the unfortunate event that you suffer from a failed pregnancy, the maternity insurance you choose will still provide you with coverage until the end of your pregnancy term. If you chose a bundled plan that includes a base plan, this will continue to cover you for life.
It is common for a mother’s health to deteriorate during pregnancy, with conditions like gestational diabetes or hypertension arising. In this situation, you may wish to keep the base plan for yourself, since it is difficult to purchase a new plan without exclusion for yourself. As for your infant, you can always purchase a fresh policy to provide coverage.
[EXTENDED] Qualifying period: 3 June 2024 to 31 December 2026 (Terms & Conditions)
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