Becoming a parent is one of life's most joyous experiences, but it also comes with its share of concerns and challenges. Did you know that pregnancy complications affect up to 20% of pregnancies worldwide? Or that approximately 1 in 33 babies is born with a birth defect? These statistics highlight the importance of having comprehensive prenatal and postnatal coverage. If you're an expectant mother or planning to start a family, HSBC Life EmpoweredMum might be the solution you're looking for.
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HSBC Life EmpoweredMum is a robust prenatal plan designed to empower expecting mothers from pregnancy to parenthood . It provides comprehensive coverage against pregnancy complications and hospital care for both mother and child. This plan is available as part of two bundled options:
Protects both mother and child from pregnancy complications to postnatal care . Covers 15 pregnancy complications for the mother and 26 congenital illnesses for the newborn.
Provides 15% of sum assured for medically necessary caesarean delivery before 36 weeks.
Offers 2% of sum assured per day of hospitalization for up to 30 days for both mother and child.
Provides 15% of sum assured (up to S$3,000) if the child is diagnosed with developmental delay.
Choose between HSBC Life HappyMummy for focused protection on mother and baby, or HSBC Life HappyFamily for extended coverage to the whole family.
Death Benefit: 100% of sum assured
Pregnancy Complications: 100% of sum assured for 15 covered conditions
Hospital Care: 2% of sum assured per day, up to 30 days
Early Delivery by Caesarean Section: 15% of sum assured
Death Benefit: 100% of sum assured
Congenital Illnesses: 100% of sum assured for 26 covered conditions
Hospital Care: 2% of sum assured per day, up to 30 days
Developmental Delay: 15% of sum assured (up to S$3,000)
Free 1st year HSBC Life Shield plan B cover for your newborn
Option to transfer HSBC Life Flexi Protector or HSBC Life - Life Treasure (II) from mother to child without underwriting
Free 1st year HSBC Life Shield plan B cover for your newborn
Option to purchase HSBC Life Flexi Protector or HSBC Life - Life Treasure (II) for your newborn without underwriting
HSBC Life EmpoweredMum is a 3-year single premium plan that starts coverage from the 13th week of pregnancy . Here's a timeline of how it works:
From 13th Week of Pregnancy: Mother is covered for death, pregnancy complications, hospitalization, and early delivery
Birth of Newborn: Child is covered for death, congenital illnesses, hospitalization, and developmental delay
Within 60 Days of Child's Birth: Option to transfer or purchase additional coverage for the child. Free 1st year HSBC Life Shield plan B for the child (if eligible)
End of 3rd Policy Year: Coverage under HSBC Life EmpoweredMum ends for both mother and child. Continued protection under transferred or purchased policies
15 pregnancy complications including abruptio placentae, amniotic fluid embolism, and pre-eclampsia
10 hospital care events including complications of lactational mastitis and puerperal pyrexia
26 congenital illnesses including Down's syndrome, cerebral palsy, and congenital heart defects
17 hospital care events including admission to ICU/HDU and severe neonatal jaundice
If you're diagnosed with pre-eclampsia during pregnancy: You'd receive 100% of the sum assured . If hospitalized, you'd get 2% of sum assured per day, up to 30 days.
If your newborn is diagnosed with Down's syndrome: You'd receive 100% of the sum assured for the child . Any hospitalization would be covered at 2% of sum assured per day, up to 30 days.
If you need a medically necessary caesarean section at 34 weeks: You'd receive 15% of the sum assured . Hospital care benefits would apply for both you and your baby.
Comprehensive coverage for both mother and child
Covers a wide range of pregnancy complications and congenital illnesses
Flexible bundled options for extended family coverage
Free 1st year HSBC Life Shield plan B for newborn (if eligible)
Option to transfer or purchase additional coverage without underwriting
Limited to a 3-year term
Single premium payment might be a large upfront cost
Some conditions and benefits have specific limitations or exclusions
Coverage starts from the 13th week of pregnancy.
You should discuss any pre-existing conditions with an HSBC Life advisor to understand how they might affect your coverage.
No, this is a 3-year single premium plan. However, you have options to continue coverage through other HSBC Life products.
The early delivery benefit only covers singleton pregnancies. You should discuss coverage for multiple births with your advisor.
Contact HSBC Life as soon as possible after the event. They will guide you through the claim process.
HSBC Life EmpoweredMum offers a comprehensive solution for expectant mothers, providing peace of mind from pregnancy through the early years of parenthood . With its wide-ranging coverage for both mother and child, flexible bundled options, and additional benefits, it addresses many of the concerns that come with starting or expanding a family.
However, as with any insurance decision, it's important to carefully consider your personal needs, financial situation, and long-term family planning goals. The single premium payment and 3-year term might not suit everyone's financial planning, and the specific conditions covered should be carefully reviewed.
Remember, the best insurance is the one that gives you peace of mind and fits your specific circumstances. If you're considering HSBC Life EmpoweredMum or any other prenatal insurance plan, it's always 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 family insurance. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible for you and 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.
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Compare other maternity options to find the best coverage for your needs
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.
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.'
AIA Mum2Baby Choices offers expectant mothers a unique advantage by providing coverage from as early as the 13th week of pregnancy. This innovative insurance plan allows you to protect your future family before your little one even arrives, giving you peace of mind during this special time. With AIA Mum2Baby Choices, you can start safeguarding your growing family's future right from the beginning of your journey into parenthood.
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.
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.
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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.
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