Skip to content

ExpatSingapore

Home Message Board Contact Us Search

ExpatSingapore Message Board 22 November 2017, 13:31:39 PM *
Username: Password: (or Register)
 
Pages: [1]
  Reply  |  Print  
Author Topic: maternity insurance  (Read 6168 times)
any suggestions
Guest
« on: 01 March 2001, 9:57:00 AM »
Reply with quoteQuote

Anyone know where I can get insurance to cover pregnancy and childbirth?

Logged


Try Amex?
Guest
« Reply #1 on: 01 March 2001, 10:24:00 AM »
Reply with quoteQuote

Outside of Singapore! It's not very common here as Singaporeans would typically use their MediSave for maternity expenses. If you are already living here try the global firms but if I remember correctly you have to pay premiums for a year before getting covered. If you aren't here yet, pick up some insurance before you come.

Normal deliveries are not expensive but a long hospital stay/complications would be a serious financial burden.

Logged
Angel#1
Full Member
***
Posts: 53


View Profile
« Reply #2 on: 01 March 2001, 17:28:00 PM »
Reply with quoteQuote

it's not common here like everywhere else - because it's hard to insure something that is a certainty!!

think about it, only people who intend to get pregnant pretty soon would buy it - or perhaps people who plan ahead too.

cover is available as an add-on to most company schemes but the employer has to ensure all employees who are potential mothers take it out.  try asking your HR mgr.

on a personal level, some insurers offer it as an add-on to a standard health policy (CGU for example), but as mentioned before, you have to have cover for one year before you can claim (ie you pay two premiums minimum before claiming).  in any case, it doesn't cover all the ante-natal stuff, just the delivery and directly related complications.

delivery would cost you about $4500 for the package (delivery, last scan and immediate post-delivery plus hospitalisation for the 3 to 5 days).  you'd pay extra for a caesarian.  your ante-natal consultations will be about $300 a pop, including an ultrasound.

the insurance would be about another $1000 pa on top of your regular premium (already around $700 for the type of plan offering a maternity rider).  if you are planning on delivering in about 2 years' time, then save - it's more sensible and cheaper!

Logged
add on to angel#
Guest
« Reply #3 on: 01 March 2001, 19:06:00 PM »
Reply with quoteQuote

saving is a great idea. talk to kk hospital or singapore general to understand what's involved if any problems, prematurity etc.
Logged
mj
Guest
« Reply #4 on: 03 March 2001, 18:19:00 PM »
Reply with quoteQuote

A lot of health insurance "premium" packages include pregnancy and delivery but usually that doesn't kick in untill a year after the policy was taken out.  If you're already "Up the duff" you're too late for insurance.
A normal pregnancy shouldn't cost too much to monitor - most care providers here seem to want to do a US scan every visit which is totally un called for in most pregnancies and "may" even be harmful.
Your GP can do all the regular tests (urine/BP etc) very cheaply.
As for delivery, if everything goes well (which for majority of pregnancies it does) there is no reason to stay overnight in hospital if you don't want to.  
Depending on how you feel about childbirth it may even be possible for you to arrange a homebirth here - I don't know whether that would reduce expenses though.
Good luck
Logged
Pages: [1]
  Reply  |  Print  
 
Jump to:  

Powered by SMF 1.1.20 | SMF © 2013, Simple Machines