Yes, your integrated-shield plan does provide a "pregnancy and delivery-related complications benefit". However, do take note of the following:

01. There is a waiting period ranging from 10 to 12 months. This means that the condition must have been first diagnosed by an obstetrician after 10 months from the start date of the policy before the claim is admitted.

02. Only specific complications in pregnancy are covered under this benefit. You will need to refer to your policy contract for the list of conditions covered.

03. This benefit does not cover delivery charges except in the event of pre-eclampsia or eclampsia, stillbirth or death of the mother.

Yes. Depending on the insurer, the benefits are offered to your child:

• Death;

• Congenital conditions;

• Confinement in ICU / HDU upon birth;

• Outpatient phototherapy treatment due to severe neonatal jaundice;

In addition, you can sign up for a new insurance policy offered by the insurer for your newborn with just a simple health declaration.

Rest assured that the mother is covered. The following benefits are offered to you:

• Death;

• Pregnancy complications

• Hospitalisation due to delivery-related medical conditions;

There are currently two categories of maternity / pregnancy insurance plans in the Singapore market:

Category 1: Standalone plans

• Plans in this category provide standalone maternity / pregnancy insurance cover for both mother and your newborn for three years from the policy commencement date;

• The premium is only paid once just before the policy commences;

• Examples of plans in this category include Maternity 360 (from Income), ReadyMummy (from Manulife) and Singlife Maternity Care^ (from Singlife);

^ Available till 30 November 2024

Category 2: Bundled plans

• Plans in this category require the parent (either father or mother) to take up a main policy which includes an investment-linked policy, term insurance policy or whole life insurance policy. The parent will then be allowed to bundle a rider which provides both mother and your newborn with maternity / pregnancy insurance cover;

• The main policy will be in place till the end of the policy term, which can go all the way till age 99 / 100;

• The rider will be in place for three years from the policy commencement date. The premium is only paid once just before the policy commences;

• Examples of plans in this category include AIA Mum2Baby Choices (from AIA), HSBC Life Happy Family (from HSBC Life) and HSBC Life HappyMummy (from HSBC Life);