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.

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.

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

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.

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)

2. 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)

3. 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)

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.

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 .