Maternity Insurance

AIA Mum2Baby Choices: The Gift of Lifelong Protection

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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Two Bundle Options to Meet Your Needs

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 .

AIA Mum2Baby Protect

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).

AIA Mum2Baby Save

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).

Coverage Amounts Available

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.

Why compare AIA Mum2Baby Care with other Maternity options through Whatins?

Traditional Approach

  • Limited pregnancy complication coverage
  • Single view of maternity benefits
  • May miss important protection features

Whatins Advantage

  • Compare maternity coverage periods across insurers
  • See how pregnancy complications are covered
  • Understand both mother and child protection
  • Compare different waiting periods

Comprehensive Benefits Overview

Death Benefit for Mum

Full coverage amount payout: S$5,000, S$10,000, or S$25,000 respectively, depending on your chosen coverage level.

Pregnancy Complications

Coverage for 14 specific pregnancy complications with full coverage amount payout . This benefit is paid once and terminates after claim.

Childbirth Medical Negligence Benefit

If mum and/or child passes away due to medical negligence, this benefit pays 100% of coverage amount in addition to the Death Benefit .

Congenital Illnesses

Covers 25 specific congenital conditions including Down's Syndrome, Cerebral Palsy, Spina Bifida, and various heart defects with full coverage amount payout.

Hospital Care Benefit for Baby

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.

Hospital Care Benefit for Mum

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.

Covered Pregnancy Complications

AIA Mum2Baby Choices provides comprehensive coverage for 14 specific pregnancy complications , ensuring you're protected during this critical time:

Serious Pregnancy Conditions

  • Abruptio Placentae

  • Amniotic Fluid Embolism

  • Choriocarcinoma and Malignant Hydatidiform Mole

  • Disseminated Intravascular Coagulation

  • Fatty Liver of Pregnancy

Diabetes and Blood Pressure Related

  • Gestational Diabetes resulting in Foetal Macrosomia and Neonatal Hypoglycaemia

  • HELLP Syndrome (Haemolysis, elevated liver enzymes, low platelet count)

  • Pre-Eclampsia or Eclampsia

Placental and Birth Complications

  • Miscarriage due to Accident

  • Placenta Increta / Percreta

  • Postpartum Haemorrhage requiring Hysterectomy

  • Still birth

  • Uterine Rupture

  • Vasa Previa

Congenital Illnesses Coverage

Your baby is protected against 25 specific congenital conditions from birth, providing peace of mind during those crucial early months:

Physical Development Conditions

  • Absence of Two Limbs

  • Cleft Palate / Cleft Lip

  • Club Foot

  • Congenital Dislocation of Hip

  • Development Dysplasia of the Hip

  • Spina Bifida

Heart Conditions

  • Atrial Septal Defect

  • Coarctation of Aorta

  • Patent Ductus Arteriosus

  • Tetralogy Fallot

  • Transposition of Great Vessel

  • Truncus Arteriosus

  • Ventricular Septal Defect

Neurological and Sensory Conditions

  • Cerebral Palsy

  • Congenital Blindness

  • Congenital Cataract

  • Congenital Deafness

  • Down's Syndrome

  • Infantile Hydrocephalus

  • Retinopathy of Prematurity

Other Serious Conditions

  • Anal Atresia

  • Biliary Atresia

  • Congenital Diaphragmatic Hernia

  • Congenital Hypertrophic Pyloric Stenosis

  • Trancheo-Esophageal Fistula / Esophageal Atresia

Hospital Care Benefits for Your Baby

Your newborn receives daily hospital benefits for up to 30 days for various conditions that may require immediate medical attention:

Critical Care Situations

  • Admission into ICU / HDU

  • Incubation of a newborn child (more than 3 consecutive days)

  • Premature birth requiring neonatal ICU / HDU

Infectious Diseases Coverage

  • Avian Influenza (H7N9 & H5N1)

  • Chikungunya fever

  • Dengue haemorrhagic fever

  • Ebola

  • Japanese encephalitis

  • MERS-CoV

  • SARS

  • Zika fever

Common Newborn Conditions

  • Hand, Foot and Mouth Disease (inpatient hospitalisation)

  • Phototherapy or blood transfusion for severe neonatal jaundice

Hospital Care Benefits for Mum

New mothers receive comprehensive hospital care benefits for up to 30 days covering pregnancy-related and post-natal conditions:

Pregnancy-Related Hospitalisation

  • Any of the covered Pregnancy Complications

  • Complications of lactational mastitis

  • Post-natal Anaemia

Post-Birth Complications

  • Puerperal Infection and Shock

  • Pulmonary embolism

  • Repair of 4th degree perineal tear

  • Septic pelvic thrombophlebitis

Surgical and Medical Care

  • Surgical site infection following Caesarean section

  • Uterine infection or transfusion due to retained placenta following birth

  • Inpatient psychiatric treatment

Major Hospitalisation Care Benefit

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.

Key Advantages of AIA Mum2Baby Choices

Early Protection

Coverage begins from the 13th week of pregnancy , protecting both mother and child during the most vulnerable period.

Guaranteed Transfer

No medical questions asked when transferring the policy to your child within 60 days of birth, ensuring lifelong protection.

Comprehensive Coverage

Covers pregnancy complications, congenital illnesses, and hospital care for both mother and baby with substantial payouts.

Flexible Options

Choose between protection-focused or investment-linked plans with coverage amounts from S$5,000 to S$25,000.

IVF/IUI Coverage

Specifically covers babies conceived through assisted reproductive technologies including IVF, IUI, ICI, and ICSI.

Medical Negligence Protection

Additional coverage for medical negligence provides extra financial protection in unfortunate circumstances.

Important Considerations

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.

Get Expert Guidance for Your Family's Protection

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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