Maternity Insurance

Maternity 360: Comprehensive Protection for Expectant Mothers and Newborns

Becoming a mother is one of life's most beautiful and challenging experiences. As you prepare for your baby's arrival, it's natural to feel a mix of excitement and concern. Did you know that in Singapore, about 1 in 10 babies is born prematurely? Or that approximately 60% of newborns develop jaundice? These statistics highlight the importance of having comprehensive protection for both mother and child during this crucial time. If you're an expectant mother looking for peace of mind, Income's Maternity 360 plan might be the solution you've been searching for.

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What is Maternity 360?

Maternity 360 is a unique term life insurance plan designed specifically for expectant mothers and their newborns. It offers 360-degree protection, covering various aspects of pregnancy, childbirth, and early infancy . This single premium plan provides comprehensive coverage for both you and your baby over a 3-year period, allowing you to savor every moment of your pregnancy and early motherhood without financial worries.

Key Features That Make Maternity 360 Stand Out

Early Coverage

You can sign up as early as 13 weeks into your pregnancy

Comprehensive Protection

Covers pregnancy complications for the mother, congenital illnesses for the baby, hospital care benefits for both, and outpatient phototherapy benefit for the baby

Simplified Application for Newborn

Easy process to get insurance coverage for your baby

Affordable Single Premium

One-time payment for 3 years of coverage

Continuous Coverage

Protection continues even after claiming for one insured event

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What Does Maternity 360 Cover?

For the Mother

  • Pregnancy Complications Benefit: Covers 10 types of pregnancy complications, pays 100% of sum assured

  • Hospital Care Benefit: Pays 1% of sum assured per day of hospital stay, up to 30% of sum assured

  • Death Benefit: Pays 100% of sum assured if the mother passes away during the policy term

For the Baby

  • Congenital Illnesses Benefit: Covers 23 types of congenital illnesses, pays 100% of sum assured

  • Hospital Care Benefit: Pays 1% of sum assured per day of hospital stay in ICU or high dependency unit, up to 30% of sum assured

  • Outpatient Phototherapy Benefit: Pays 1% of sum assured per day of phototherapy machine rental, up to 10% of sum assured

  • Death Benefit: Pays 100% of sum assured if the baby passes away within 30 days of birth

How Much Coverage Do You Get?

The coverage amount depends on the sum assured you choose when purchasing the policy. For example, if you choose a sum assured of $5,000:

  • Pregnancy Complications or Congenital Illnesses: Up to $5,000
  • Hospital Care Benefit: Up to $1,500 (30% of sum assured)
  • Outpatient Phototherapy: Up to $500 (10% of sum assured)
  • Death Benefit: $5,000

How Much Does It Cost?

Maternity 360 offers excellent value for money. For a 30-year-old expectant mother, the single premium for a sum assured of $5,000 is just $390.55 . This one-time payment provides coverage for both mother and child for 3 years from the policy start date.

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Real-Life Scenario

Let's look at how Maternity 360 might work in a real-life situation:

Mrs. Tan, age 30, signs up for Maternity 360 at week 13 of her pregnancy with a sum assured of $5,000. She pays a single premium of $390.55.

At week 39, she gives birth to a boy, David, via cesarean section. Here's how the policy helps:

  1. David needs phototherapy for 10 days due to severe neonatal jaundice.
  • Outpatient Phototherapy Benefit: $500 (1% of sum assured per day for 10 days)
  1. Mrs. Tan is hospitalized for 5 days due to an infection from the cesarean section.
  • Hospital Care Benefit for Mother: $250 (1% of sum assured per day for 5 days)
  1. When David is 2 years old, he stays in the intensive care unit for 10 days due to bronchitis.
  • Hospital Care Benefit for Child: $500 (1% of sum assured per day for 10 days)

After these claims, Mrs. Tan still has remaining coverage:

  • Congenital Illness Benefit for David (100% of sum assured)
  • Remaining Hospital Care Benefit for David (20% of sum assured)
  • Death Benefit for Mrs. Tan (100% of sum assured)

Additional Benefits

Simplified Application for Newborn

Within 60 days of birth, you can purchase a new insurance policy for your baby with just a simple health declaration. This ensures your child starts life with proper coverage.

Exclusive Treats for Income Policyholders

As an Income policyholder, you'll enjoy access to a range of exclusive treats and benefits.

Pros and Cons

Pros

  • Comprehensive coverage for both mother and child

  • Single premium for 3 years of protection

  • Covers a wide range of pregnancy complications and congenital illnesses

  • Includes hospital care benefits and outpatient phototherapy

  • Simplified application process for newborn's insurance

Cons

  • Coverage is limited to 3 years

  • Sum assured might be lower compared to some other insurance plans

  • No savings or investment component

Frequently Asked Questions

When can I sign up for Maternity 360?

You can sign up as early as 13 weeks into your pregnancy.

What if I have multiple claims?

You can enjoy continuous coverage even if you claim for more than one insured event, up to the policy limits.

Can I get coverage for my baby after the policy ends?

Yes, you can purchase a new policy for your child within 60 days of birth with a simplified application process.

What's not covered by this plan?

Like most insurance policies, there are exclusions. For example, pre-existing conditions may not be covered. Always refer to the policy contract for full details.

Can I increase my coverage amount?

The coverage is fixed based on the sum assured you choose at the start. If you need more coverage, you might need to consider additional insurance plans.

Conclusion

Maternity 360 offers a unique and comprehensive solution for expectant mothers, providing peace of mind during pregnancy and the early years of motherhood. With its wide-ranging coverage for both mother and child, affordable single premium, and simplified application process for newborn insurance, it addresses many of the concerns that come with starting a family.

However, as with any insurance decision, it's important to carefully consider your personal needs and financial situation. While Maternity 360 provides excellent short-term coverage, you may need to consider additional long-term insurance plans for both yourself and your child.

Remember, the best insurance is the one that gives you peace of mind and fits your specific circumstances. If you're considering Maternity 360 or any other maternity insurance plan, it's always wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.

Get Expert Advice

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 maternity insurance. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible for you and your baby's future.

By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for this special time in your life. Don't leave your and your baby's protection to chance – get the expert advice you deserve today .

Click here to get 5 expert opinions on maternity insurance