How Does maternity insurance work in Singapore?

Maternity insurance is a type of health insurance that covers pregnancy and childbirth. It can help to cover the cost of prenatal care, delivery, and postnatal care. In Singapore, maternity insurance is not mandatory, but many parents choose to purchase it for peace of mind. Some employers also provide maternity insurance as a benefit for their employees. In this article we’ll read about how does maternity insurance work in Singapore?

Maternity insurance typically covers doctor’s visits, hospitalization, prescription drugs, and other medical expenses related to pregnancy and childbirth. It may also provide some coverage for postnatal care and newborn care. Some policies may also cover fertility treatments and pre-existing conditions that affect pregnancy.

How Does maternity insurance work in Singapore? It’s Benefits:

There are many benefits of having maternity insurance in Singapore. First and foremost, it provides financial protection against the costs associated with pregnancy and childbirth. This can be important in a country like Singapore where medical expenses can be very high. Secondly, it can help to cover other costs related to maternity, such as prenatal care, delivery fees, and postnatal care. 

Additionally, some maternity insurance plans also provide coverage for things like lost wages if you have to take time off work during your pregnancy or childcare costs after the baby is born. Finally, having maternity insurance can give you peace of mind during what can be a stressful time. It can help you feel more prepared and less anxious about the financial aspects of becoming a parent.

How much will maternity insurance cost in Singapore?

While reading about how does maternity insurance works in Singapore, it is important to know it’s cost. The cost of maternity insurance in Singapore will vary depending on the insurer and the level of coverage you choose. However, it is generally very affordable, especially when compared to the cost of medical treatment without insurance. Make sure to shop around and compare pricing before making a decision.

The average cost of maternity insurance is around S$450 to S$600.

Some insurers offer coverage for prenatal care, delivery, and postnatal care. Others only offer coverage for delivery costs. Make sure you understand the terms and conditions of your policy before purchasing maternity insurance.

If you are not covered by a maternity insurance policy, you can expect to pay around S$10,000 for a normal delivery and around S$15,000 for a cesarean section in Singapore. These costs include hospital charges, doctor’s fees, and other associated expenses.

Are there any other expenses that you need to budget for during pregnancy in Singapore?

There are a few other expenses you’ll need to budget for during your pregnancy in Singapore. Keep in mind that the following list is not exhaustive, so always consult with your doctor to get a complete understanding of what costs may be associated with your specific pregnancy. 

What does MediShield Life cover for pregnant women? 

Pregnant women are wholeheartedly covered under MediShield Life. From prenatal to postnatal stages, all situations and treatments relating to pregnancy are included. There are no lifetime limits, so if you end up requiring multiple surgeries or long-term hospitalization, your bills will be fully (or almost fully) covered. 

The policy covers normal pregnancies as well as complicated ones with conditions like diabetes or preeclampsia. If you miscarry or have a stillbirth, MediShield Life will also cover you for a specified period of time. 

Additionally, most pregnant women will give birth in an accredited hospital since it is part of the government’s assurance scheme.


  • Stillbirth
  • Amniotic Fluid Embolism
  • Pre-Eclampsia/ Eclampsia
  • Fatty Liver of Pregnancy
  • Postpartum Haemorrhage requiring Hysterectomy
  • Abruptio Placentae
  • Disseminated Intravascular Coagulation
  • Placenta increta/percreta

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What your maternity insurance doesn’t cover?

There are some key points to keep in mind when shopping for maternity insurance in Singapore.

First and foremost, it is important to understand what your particular policy covers. Some plans may only cover a portion of your medical expenses, while others may not cover maternity care at all. Be sure to read the fine print carefully so that you know what is and is not covered by your policy.

In addition, be aware that many insurance plans have a waiting period before they will begin to cover any maternity-related costs. This waiting period can range from a few months to a year or more.

So is maternity insurance worth it? 

It depends. If you’re planning on having a baby, or even if you’re not sure yet, it might be a good idea to get some maternity coverage. The peace of mind that comes with knowing you and your baby are taken care of in case of an emergency is definitely worth the price of admission. 

And if you already have a policy, check and see if it covers pregnancy-related costs. You might be surprised at how much protection you have without even realizing it.

How Does maternity insurance work in Singapore? To sum up: 

All in all, maternity insurance is a great way to financially prepare for childbirth and make sure you have the best possible care during your pregnancy. We hope our article on How Does maternity insurance work in Singapore was helpful. If you are pregnant or planning to become pregnant, it’s definitely worth looking into what maternity insurance policies are available in Singapore. Have you ever used maternity insurance? What was your experience like? Let us know in the comments!


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