When you're expecting a child or growing your family, ensuring the best possible start for your little one becomes a top priority. That's where AIA Mum2Baby Choices comes in - a unique suite of prenatal insurance plans designed to provide comprehensive protection for both mother and child from as early as the 13th week of pregnancy . Let's dive into the details of this innovative insurance product and explore how it can benefit you and your growing family.
Find the right coverage in minutes
Use our advanced calculator to get personalized insurance recommendations
Get precise coverage recommendations based on your needs
Receive instant results without lengthy consultations
Get tailored recommendations based on your unique situation
AIA Mum2Baby Choices is a comprehensive insurance package that offers protection for expectant mothers and their unborn children, extending coverage even after birth. What sets this plan apart is its early coverage, starting from the 13th week of pregnancy , and its flexibility to transfer the base plan and applicable riders to your child within 60 days from birth, with no medical questions asked .
Protection begins from the 13th week of pregnancy.
Covers babies conceived via IVF, IUI, ICI, and ICSI.
Two bundle choices to suit different needs and preferences.
Offers lifelong coverage for your child.
Ability to transfer the plan to your child within 60 days of birth without medical questions.
| Age | What suggestion covers | Premium |
|---|---|---|
| 24, Female making $7,333.333 a month | cdl treatment policy year limit $1,500,000 | $217.01 |
Both options offer coverage amounts of S$5,000, S$10,000, or S$25,000.
A participating whole life plan that offers boosted protection and provides 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 protection during early years and allows maximization of investments in later years. Base Plan: AIA Pro Lifetime Protector (II) (Investment-Linked Plan). Prenatal Rider: AIA Baby Protector (II).
AIA Mum2Baby Choices provides an extensive range of benefits for both mother and child:
1. Death Benefit for Mother
2. Pregnancy Complications Coverage
3. Childbirth Medical Negligence Benefit
4. Congenital Illnesses Coverage
5. Hospital Care Benefit for Baby (Up to 30 Days)
6. Hospital Care Benefit for Mother (Up to 30 Days)
7. Major Hospitalisation Care Benefit for Mother
8. Pregnancy Complications Hospital Care Benefit for Mother (Up to 30 days)
If the mother or child unfortunately passes away due to medical negligence during childbirth in Singapore or Malaysia, this benefit pays out 100% of the coverage amount , in addition to the Death Benefit for the mother.
Depending on your chosen coverage amount, you can receive S$100, S$200, or S$500 per day for up to 30 days of hospitalization for both mother and child.
If the mother is hospitalized continuously for more than 30 days or at least 5 days in ICU, this benefit pays out 100% of the coverage amount after deducting any payout under the Hospital Care Benefit for the mother.
The plan covers a wide range of pregnancy complications, including:
1. Abruptio Placentae
2. Amniotic Fluid Embolism
3. Choriocarcinoma and Malignant Hydatidiform Mole
4. Disseminated Intravascular Coagulation
5. Fatty Liver of Pregnancy
6. Gestational Diabetes resulting in Foetal Macrosomia and Neonatal Hypoglycaemia
7. HELLP Syndrome
8. Miscarriage due to Accident
9. Placenta Increta / Percreta
10. Postpartum Haemorrhage requiring Hysterectomy
11. Pre-Eclampsia or Eclampsia
12. Still birth
13. Uterine Rupture
14. Vasa Previa
The plan covers an extensive list of 25 congenital illnesses, including:
1. Absence of Two Limbs
2. Anal Atresia
3. Atrial Septal Defect
4. Biliary Atresia
5. Cerebral Palsy
6. Cleft Palate / Cleft Lip
7. Club Foot
8. Coarctation of Aorta
9. Congenital Blindness
10. Congenital Cataract
11. Congenital Deafness
12. Down's Syndrome
13. Spina Bifida
14. Tetralogy Fallot
15. Ventricular Septal Defect
This benefit covers various scenarios, including:
1. Admission into ICU / HDU
2. Incubation of a newborn child (more than 3 consecutive days)
3. Infectious diseases (e.g., Avian Influenza, Dengue fever, MERS-CoV, SARS, Zika fever)
4. Inpatient hospitalization due to Hand, Foot and Mouth Disease
5. Phototherapy or blood transfusion for severe neonatal jaundice
6. Premature birth requiring neonatal ICU / HDU
If you develop pre-eclampsia during your pregnancy, you'd be covered for the medical expenses related to this complication, receive daily hospital care benefits if hospitalization is required, and be eligible for the Major Hospitalisation Care Benefit in case of extended hospitalization.
If your baby is born with a congenital heart defect like Atrial Septal Defect, the plan would provide coverage for the necessary treatments. If your baby needs to stay in the NICU, you'd receive the Hospital Care Benefit for the baby.
In the unfortunate event of postpartum hemorrhage requiring hospitalization, you'd be covered under the Pregnancy Complications Hospital Care Benefit. If hysterectomy is required, you'd receive additional coverage under the specific benefit for this condition.
Early coverage from 13th week of pregnancy
Comprehensive protection for both mother and child
Covers a wide range of pregnancy complications and congenital illnesses
Flexible options to suit different needs (protection-focused or investment-linked)
Easy transfer of policy to child without medical questions
Limited to two bundle options
Coverage amounts may not be sufficient for all medical scenarios
Premiums may be higher compared to standard life insurance policies
Yes, as long as you're not beyond the 13th week of pregnancy.
You should discuss this scenario with your AIA Financial Services Consultant to understand how the coverage would apply.
This would depend on the specific terms of the policy. Consult with your AIA representative for details.
The plan is designed for births in Singapore. For overseas births, you should check with AIA for specific terms and conditions.
The plan includes coverage for miscarriage due to accident and stillbirth. Refer to the policy details for specific terms.
AIA Mum2Baby Choices offers a unique and comprehensive solution for expectant parents looking to secure protection for both mother and child from pregnancy through early childhood. With its early coverage, extensive benefits, and flexibility, it provides peace of mind during a crucial life stage. However, as with any insurance decision, it's important to carefully consider your personal needs, financial situation, and long-term family plans before making a choice.
Remember, the best insurance plan is one that fits your specific circumstances and provides the protection you need when you need it most. If you're considering AIA Mum2Baby Choices or any other prenatal insurance plan, it's wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on prenatal and child insurance plans . These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision for your growing family.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your family's future. Don't leave your family's protection to chance – get the expert advice you deserve today.
By filling this out, you agree to allow us to contact you about insurance related information.
Compare other maternity options to find the best coverage for your needs
AIA Mum2Baby Care offers a unique approach to protecting both mother and child, covering pregnancy complications and congenital illnesses. This comprehensive plan stands out by providing coverage for up to 3 pregnancies under a single policy, ensuring continuous protection for growing families. As one advisor noted, 'It's a game-changer for expectant parents, offering peace of mind from pregnancy through early childhood.'
Great Maternity Care 2 goes beyond typical maternity coverage, offering a crucial benefit for young parents-to-be. This innovative plan stands out by providing coverage for 26 congenital illnesses that your future child may face, offering peace of mind during pregnancy and beyond. With such comprehensive protection for your unborn child, Great Maternity Care 2 sets a new standard in maternity insurance.
HSBC Life HappyFamily offers a unique approach to family protection, starting from the early stages of parenthood. One of its standout features is coverage beginning from the 13th week of pregnancy, providing peace of mind for expectant parents much earlier than typical policies. This comprehensive maternity protection sets HSBC Life HappyFamily apart, ensuring your growing family is safeguarded from the very beginning.
HSBC Life HappyMummy offers expectant mothers a unique advantage in pregnancy protection. With coverage starting from as early as the 13th week of pregnancy, it provides peace of mind during a crucial time that many other policies overlook. This early coverage sets HSBC Life HappyMummy apart, ensuring comprehensive support for both mother and child from an earlier stage of the pregnancy journey.
Maternity 360 goes above and beyond typical maternity coverage, offering protection for 23 congenital illnesses - a crucial consideration for young parents-to-be. This comprehensive approach ensures that you and your baby are safeguarded against a wide range of potential health challenges, providing peace of mind during this exciting journey into parenthood. Discover how Maternity 360 can offer you unparalleled protection and support throughout your pregnancy and beyond.
PRUFirst Gift II offers expectant parents a unique level of protection, covering an impressive 17 pregnancy complications from as early as week 13. This comprehensive coverage sets it apart, providing peace of mind during a crucial time in your family's journey. Discover how PRUFirst Gift II can safeguard your growing family through various stages of pregnancy and beyond.
PRUFirst Promise offers a unique benefit that sets it apart from typical insurance plans - coverage for 25 congenital illnesses until age 3. This thoughtful feature allows you to protect your future family even before they arrive, providing peace of mind during those crucial early years. Discover how PRUFirst Promise can safeguard your growing family's health and financial well-being from the very beginning.
PRUMom offers expectant parents a unique layer of protection for their newborns. This innovative insurance product stands out by covering an impressive 25 congenital illnesses, providing crucial peace of mind for young parents-to-be. PRUMom's comprehensive coverage addresses a vital need, safeguarding your baby's health from day one.
Explore more: Real customer experiences • Insurance guides • Coverage calculator
Learn about Maternity insurance basics or compare Maternity policies
