Singapore Expats

Hi

I just wondering if such insurance exist. Im currently pregnant now and thinking of getting insurance to top up the medisave of my husband (because he told me he can use his medisave to pay for my hospital bills for my giving birth). Currently I only have hospitalisation insurance from NTUC Income but not sure if that will cover expenses from bills from giving birth. Then I look through AIA healthsheild Gold Max their insurance plan seems okay. But I dont know what insurance to take either AIA healthsheild or Maternity insurance? Can someone help me on this? Im planning to give birth to a private hospital. I dont want to burden my husband with the bills thats why I want to take insurance. Im a foreigner by the way and my husband is the only one who has Medisheild because he is a local.

Thanks in advance for the advise.

As insurance is normally not valid for pre-existing conditions, I would think the policy would need to be in place before conception. Might use that for a reference point or first question to ask.

korosensei wrote: ↑

Wed, 30 Mar 2022 6:12 am

Hi

I just wondering if such insurance exist. Im currently pregnant now and thinking of getting insurance to top up the medisave of my husband (because he told me he can use his medisave to pay for my hospital bills for my giving birth). Currently I only have hospitalisation insurance from NTUC Income but not sure if that will cover expenses from bills from giving birth. Then I look through AIA healthsheild Gold Max their insurance plan seems okay. But I dont know what insurance to take either AIA healthsheild or Maternity insurance? Can someone help me on this? Im planning to give birth to a private hospital. I dont want to burden my husband with the bills thats why I want to take insurance. Im a foreigner by the way and my husband is the only one who has Medisheild because he is a local.

Thanks in advance for the advise.

When we had kids here, my employer self-ensured this benefit (including spouse of an employee) and let us claim up to $6,000 per child. Since the baby bonus, they cut it back to $3,000 per child, because the gov kicks in $3,000 (or more depending on how many citizen children you produce). At that time, we also exhausted any balance in Medisave, and we still had some out of pocket expense beyond that. It’s not cheap here, and keeps going up. Just in the 3 years that passed between my two kids (same hospital, same doctor, same procedures, same everything) it was 25% more, or 8% a year!

My employer actually self insures quite a few things here, besides maternity, they have dental ($400 employee/$150 dependent) and outpatient/specialist ($5,000 employee, $1200 dependent) annually.

The reason I mention this is because I doubt they would self-insure if there was a reasonable local insurance provider of such benefits… so my guess is that you probably won’t find any insurance worth bothering with. The only “true insurance” my employer provides is hospitalization, accident and life insurance. Those must be worth it.

One American friend of mine has a Vietnamese wife, they flew to Saigon to give birth there, it was boatloads cheaper. But I know that is not an option most here will consider.

Malaysia citizen give birth RM10 at malaysia

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I would think malcontent is absolutely right.

I bought maternity insurance prior to delivery and had an early delivery, the maternity insurance only covered $3,000 of the total bill which was 5 figure bill. It was pretty useless having the insurance coverage, I used mostly from Medisave to cover the rest of the bill...

I got a discussion with my husband Im giving him few options like flying back home or give birth in Malaysia. But he told me not to worry because he will use his Medisave and sell off some of his stocks if needed. So I think I no need to worry. And just focus of taking care of this baby that is inside me.

If cost is really a cost.
Why dont go to KK instead of private hospital

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How did we survive before hospitals…

engage midwife. give birth at home.

in 1947 had I been born anywhere else (including most hospitals) I wouldn't be here today. Thank you Johns Hopkins. I've had a pretty good run thus far.

You have to buy such insurance before even conceiving, and will be subject to a manner of genetic tests to determine risk of congenital diseases.

We asked years ago when we got our first daughter.

Nobody wants to be on the hook for such outcomes….I’ll bet it is quite hard to get now and pretty expensive.


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