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  • Writer's pictureRichard Selwyn

Maternity Insurance in Singapore for Expats - What to Consider?

As an expectant mother in Singapore, it is important to consider the costs of giving birth and to have a maternity insurance plan in place. Even though Singapore has a relatively affordable healthcare system, giving birth can still be quite costly.


According to a study by the Health Insurance Society (HIS), the average cost of a normal delivery ranges from $3,500 to $5,500 and the cost of a caesarean delivery ranges from $5,500 to $8,500, depending on the hospital. Maternity insurance plans in Singapore typically cover the cost of hospitalization, pre-natal and post-natal care, and delivery. They may also cover other expenses such as ultrasound and blood tests. Some plans also include coverage for complications that may arise during pregnancy or childbirth.


However, it is important to note that many employers in Singapore do not provide maternity insurance, even if they provide comprehensive medical insurance for their employees and dependents. This means that even if you have a medical insurance plan, it may not cover the cost of giving birth. This makes it even more important to consider getting a separate maternity insurance plan.


When choosing a maternity insurance plan, it is important to compare the costs and coverage of different plans. Some plans may have higher premiums but offer more comprehensive coverage, while others may have lower premiums but less coverage. It is important to find a plan that provides the coverage you need at a price that you can afford. Some of the providers of maternity insurance plans in Singapore are AXA, Allianz, Great Eastern, and Aviva.


For example, AXA's Maternity Insurance plan covers hospitalization, pre-natal and post-natal care, and delivery. It also includes coverage for complications during pregnancy and childbirth, such as pre-eclampsia and gestational diabetes. The plan also includes coverage for ultrasound and blood tests. Visit https://www.axa.com.sg/en/personal/insurance/health/maternity-insurance/ for more information.


Allianz's Maternity Insurance plan covers hospitalization, pre-natal and post-natal care, and delivery. It also includes coverage for complications during pregnancy and childbirth, such as pre-eclampsia and gestational diabetes. The plan also includes coverage for ultrasound and blood tests. Visit https://www.allianz.com.sg/en/health-insurance/maternity-insurance/ for more information.


Great Eastern's Maternity insurance plans covers hospitalization, pre-natal and post-natal care, and delivery. It also includes coverage for complications during pregnancy and childbirth, such as pre-eclampsia and gestational diabetes. The plan also includes coverage for ultrasound and blood tests. Visit https://www.greateasternlife.com/sg/en/individual/insurance/health-insurance/maternity-insurance for more information.


Aviva's Maternity insurance plans covers hospitalization, pre-natal and post-natal care, and delivery. It also includes coverage for complications during pregnancy and childbirth, such as pre-eclampsia and gestational diabetes. The plan also includes coverage for ultrasound and blood tests. Visit https://www.aviva.com.sg/health-insurance/maternity-insurance/ for more information.


Maternity insurance is an important consideration for expectant mothers in Singapore. Even though Singapore has a relatively affordable healthcare system, giving birth can still be quite costly. Many employers in Singapore do not provide maternity insurance, so it is important to consider getting a separate maternity insurance plan.

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