Compare the Best Maternity Insurance Plans in Singapore (2026)

Best Maternity Insurance in Singapore (Comparison for 2026)

Here’s a non-exhaustive list of pregnancy plans that we can compare:

Insurance Company	Plan Name
AIA	Mum2Baby Protect [Baby Protect Plus (III)]
Singlife	Singlife Maternity Care
HSBC Life (formerly AXA)	HappyMummy / HappyFamily (EmpoweredMum)
Manulife	ReadyMummy
Income Insurance (formerly NTUC Income)	Maternity 360

Singlife Maternity Care

Singlife Maternity Care protects mother and baby over a three-year term, with the premium paid once upfront. For a limited period, it can be purchased as a standalone policy without having to sign up for a qualifying plan.

The plan covers 10 types of pregnancy complications, 23 congenital illnesses, and loss of life. Both mother and child also receive financial assistance if hospitalised due to illnesses or pregnancy complications.

What is unique about this plan is its coverage for multiple births. It covers up to 4 babies in a single pregnancy, with each baby insured as a separate child, and accepts pregnancies through IVF. It also provides a one-time payout if the child requires stem cell transplant surgery or shows developmental delay.

After birth, you can buy a Singlife Whole Life Choice policy for your newborn within 90 days without medical underwriting. Eligible policyholders can also enrol their newborn in Singlife Shield within 180 days.

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Manulife ReadyMummy

Manulife ReadyMummy is a standalone maternity plan that covers the expecting mother from the 13th week of pregnancy onwards, and the child from birth until the end of the three-year term.

The plan covers the mother against 14 pregnancy complications, including miscarriage due to accident, and the child against 24 congenital illnesses. Both mother and child receive a daily hospital cash benefit for each day of hospital stay, and pregnancies through IVF can be covered with an additional premium.

What is unique about this plan is its mental wellness benefit. ReadyMummy is the first of its kind to cover psychotherapy treatment, providing mental wellness support for the mother.

Within 90 days of birth, you also have the option to buy eligible Manulife plans with critical illness riders for your child with no health questions asked.

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HSBC Life HappyMummy

HSBC Life HappyMummy pairs a pre-natal plan, EmpoweredMum, with a whole life plan, HSBC Life – Life Treasure III.

The mother is covered for 15 pregnancy complications, hospitalisation, and death, while the newborn is covered for 26 congenital illnesses, developmental delays in gross motor or speech development, hospitalisation, and death.

What is unique about this plan is its caesarean coverage, a first in the Singapore market. A payout is made if the mother delivers by caesarean section at less than 36 weeks of gestation.

You can also opt to transfer the base plan’s coverage from mother to newborn within 60 days of birth without underwriting. In addition, you can apply for an HSBC Life Shield Plan B cover for your newborn within 60 days of birth, with premiums waived for the first year.

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AIA Mum2Baby Protect

AIA Mum2Baby Protect is a bundled maternity plan. It consists of a whole life base plan, AIA Guaranteed Protect Plus, paired with a pre-natal rider to form a maternity plan with all-round protection for the pregnant mum and child from as early as the 13th week of pregnancy.

The mother is covered for pregnancy complications, hospitalisation, death, and even childbirth medical negligence. The baby is covered against congenital illnesses, with a hospital care benefit for events such as incubation, neonatal ICU stays due to premature birth, and severe neonatal jaundice.

The plan also includes a Major Hospitalisation Care Benefit, which provides a payout if the mother is hospitalised for more than 30 days or spends at least 5 days in the ICU.

Within 100 days of birth, you can transfer the base plan and its riders to your child with no medical questions asked, giving your child guaranteed lifelong protection.

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Income Insurance Maternity 360

Income Insurance Maternity 360 is a single-premium plan that covers both mother and baby over a three-year term.

The mother is covered for pregnancy complications, hospitalisation, and death, while the child is covered for congenital illnesses, hospitalisation, and death. There’s also an outpatient phototherapy benefit if the baby needs treatment for severe neonatal jaundice using a rented phototherapy machine at home.

The plan accepts applications from expectant mothers between 13 and 35 weeks of pregnancy, with an entry age from 17 to 44.

Through the simplified application benefit, you can take up an eligible plan for your child within 60 days of birth based on a simplified health declaration.

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