When you're expecting a child or growing your family, giving them a head start in life becomes a priority . That's why AIA Mum2Baby Choices provides protection for both mother and child from as early as the 13th week of pregnancy , offering guaranteed lifelong protection for your child.
This comprehensive prenatal plan covers babies conceived via IVF, IUI, ICI, and ICSI , ensuring that regardless of how your little one comes into this world, they're protected from the very beginning.
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Depending on whether you want a protection-focused solution or one that helps you save for your child's education, AIA Mum2Baby Choices offers two bundle options . Regardless of your chosen bundle, you'll have the flexibility to transfer the base plan and applicable riders to your child within 60 days from birth with no medical questions asked .
A participating whole life plan that offers boosted protection while providing stable cash value that accumulates over time. Base Plan: AIA Guaranteed Protect Plus (III) (Whole Life Plan). Prenatal Rider: AIA Baby Protect Plus (II).
An investment-linked plan that bolsters your protection during early years while allowing you to maximise your investments in later years. Base Plan: AIA Pro Lifetime Protector (II) (Investment-Linked Plan). Prenatal Rider: AIA Baby Protector (II).
Both bundle options offer flexible coverage amounts to suit your family's needs: S$5,000, S$10,000, or S$25,000 . This flexibility ensures you can choose the level of protection that best fits your budget and requirements.
Full coverage amount payout: S$5,000, S$10,000, or S$25,000 respectively, depending on your chosen coverage level.
Coverage for 14 specific pregnancy complications with full coverage amount payout . This benefit is paid once and terminates after claim.
If mum and/or child passes away due to medical negligence, this benefit pays 100% of coverage amount in addition to the Death Benefit .
Covers 25 specific congenital conditions including Down's Syndrome, Cerebral Palsy, Spina Bifida, and various heart defects with full coverage amount payout.
Daily benefit for up to 30 days: S$100, S$200, or S$500 per day respectively for various conditions including ICU admission, infectious diseases, and premature birth.
Daily benefit for up to 30 days: S$100, S$200, or S$500 per day respectively for pregnancy complications, post-natal conditions, and related hospitalizations.
AIA Mum2Baby Choices provides comprehensive coverage for 14 specific pregnancy complications , ensuring you're protected during this critical time:
Abruptio Placentae
Amniotic Fluid Embolism
Choriocarcinoma and Malignant Hydatidiform Mole
Disseminated Intravascular Coagulation
Fatty Liver of Pregnancy
Gestational Diabetes resulting in Foetal Macrosomia and Neonatal Hypoglycaemia
HELLP Syndrome (Haemolysis, elevated liver enzymes, low platelet count)
Pre-Eclampsia or Eclampsia
Miscarriage due to Accident
Placenta Increta / Percreta
Postpartum Haemorrhage requiring Hysterectomy
Still birth
Uterine Rupture
Vasa Previa
Your baby is protected against 25 specific congenital conditions from birth, providing peace of mind during those crucial early months:
Absence of Two Limbs
Cleft Palate / Cleft Lip
Club Foot
Congenital Dislocation of Hip
Development Dysplasia of the Hip
Spina Bifida
Atrial Septal Defect
Coarctation of Aorta
Patent Ductus Arteriosus
Tetralogy Fallot
Transposition of Great Vessel
Truncus Arteriosus
Ventricular Septal Defect
Cerebral Palsy
Congenital Blindness
Congenital Cataract
Congenital Deafness
Down's Syndrome
Infantile Hydrocephalus
Retinopathy of Prematurity
Anal Atresia
Biliary Atresia
Congenital Diaphragmatic Hernia
Congenital Hypertrophic Pyloric Stenosis
Trancheo-Esophageal Fistula / Esophageal Atresia
Your newborn receives daily hospital benefits for up to 30 days for various conditions that may require immediate medical attention:
Admission into ICU / HDU
Incubation of a newborn child (more than 3 consecutive days)
Premature birth requiring neonatal ICU / HDU
Avian Influenza (H7N9 & H5N1)
Chikungunya fever
Dengue haemorrhagic fever
Ebola
Japanese encephalitis
MERS-CoV
SARS
Zika fever
Hand, Foot and Mouth Disease (inpatient hospitalisation)
Phototherapy or blood transfusion for severe neonatal jaundice
New mothers receive comprehensive hospital care benefits for up to 30 days covering pregnancy-related and post-natal conditions:
Any of the covered Pregnancy Complications
Complications of lactational mastitis
Post-natal Anaemia
Puerperal Infection and Shock
Pulmonary embolism
Repair of 4th degree perineal tear
Septic pelvic thrombophlebitis
Surgical site infection following Caesarean section
Uterine infection or transfusion due to retained placenta following birth
Inpatient psychiatric treatment
For extended hospital stays, the Major Hospitalisation Care Benefit provides 100% of coverage amount after deducting any payout under Hospital Care Benefit for mum when hospitalised:
• Continuously for more than 30 days , OR
• At least 5 days in ICU
This benefit terminates once paid or 60 days from baby's birth, whichever is earlier.
Coverage begins from the 13th week of pregnancy , protecting both mother and child during the most vulnerable period.
No medical questions asked when transferring the policy to your child within 60 days of birth, ensuring lifelong protection.
Covers pregnancy complications, congenital illnesses, and hospital care for both mother and baby with substantial payouts.
Choose between protection-focused or investment-linked plans with coverage amounts from S$5,000 to S$25,000.
Specifically covers babies conceived through assisted reproductive technologies including IVF, IUI, ICI, and ICSI.
Additional coverage for medical negligence provides extra financial protection in unfortunate circumstances.
Before making your decision, it's important to understand that certain conditions may exclude benefit payments . You should carefully read the relevant policy contracts for complete details on coverage terms, conditions, and exclusions.
As with any life insurance policy, this is a long-term commitment . Early termination usually involves high costs, and the surrender value may be zero or less than total premiums paid. Consider your decision carefully before terminating or switching policies.
Choosing the right prenatal insurance plan is a crucial decision that affects both you and your child's future. Don't navigate this important choice alone. Our network of experienced insurance advisors can help you understand how AIA Mum2Baby Choices fits into your overall family protection strategy.
Get personalized advice from 5 different insurance experts who will review your specific situation, family planning goals, and financial circumstances. They'll help you determine whether the protection-focused or investment-linked bundle is right for you, and ensure you understand all the benefits and considerations. Start your consultation today and make an informed decision for your growing family's future.
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