Best Maternity Insurance Plans in Singapore for Expats (2026 Guide)

Top insurance providers such as Cigna, Allianz, AXA, and VUMI offers international maternity plans for managing the high cost of pregnancy and childbirth in Singapore’s private healthcare system. These plans typically include prenatal checkups, delivery, postnatal care, and newborn complications. 

Are you planning on starting a family in Singapore and want to know more about maternity coverage? Most maternity coverage requires a waiting period of 12 to 24 months, so early planning is crucial.

This Pacific Prime guide discusses what maternity insurance is and what it covers and compares some of the top maternity insurance plans in Singapore today to help you make an informed decision. 

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What Does Maternity Insurance Cover? 

Maternity insurance provides financial protection to expectant mothers during pregnancy and childbirth. It covers different healthcare services in prenatal and postnatal care, and some plans also offer congenital birth defects coverage for the newborn baby as well. 

Maternity insurance is an excellent option for those expecting in Singapore, as maternity care can quickly add up in cost. Singapore is known worldwide as one of the most expensive places to receive healthcare, and having a baby there is no different. 

Be aware that most maternity plans have a 12- to 24-month waiting period. This means you must have insurance for the waiting period before using it. Coverage is denied without enough waiting time. 

Leading international health insurance providers like Cigna, Allianz, AXA, and VUMI are well-known for their top-quality health insurance plans with maternity coverage. While the best maternity plan will vary depending on what policyholders need and value, these insurers offer great choices. 

Maternity coverage is often added to existing international health insurance policies as an additional rider to customize coverage, but some providers may also offer maternity insurance as a standalone plan. 

We will discuss these providers and their plans below to help you get a better understanding of what they have to offer. 

Allianz Maternity Insurance Details 

Allianz offers comprehensive global maternity insurance, including routine maternity, pregnancy and childbirth complications, and neonatal service for your newborn through their Care Enhanced and Care Signature plans. 

They also offer additional family benefits like pregnancy yoga, breastfeeding support, postnatal counseling services, child hearing exams, and many more through their outpatient optional rider. 

Here is a table comparing the maternity benefits between plans, with all dollar amounts in USD: 

Allianz has a waiting period of 12 months for their maternity coverage. 

Cigna Maternity Plan Benefits 

Cigna Global offers maternity coverage through their Gold and Platinum plans to families all around the world. As the largest international insurer on the market today, Cigna offers comprehensive maternity coverage. 

Here is a table comparing the maternity benefits between plans, with all dollar amounts in USD: 

Cigna Global has a waiting period of 24 months for their maternity insurance. 

AXA Coverage for Expecting Mothers

AXA is a global provider that offers maternity insurance coverage through their Prestige and Prestige Plus plans. They offer comprehensive benefits to support expecting parents throughout pregnancy and after birth, and other resources like phone access to a team of midwives. 

Here is a table comparing the maternity benefits between plans, with all dollar amounts in USD: 

AXA has a waiting period of 18 months for maternity insurance coverage. 

VUMI Maternity and Fertility Plan Options 

VUMI offers international health insurance through their Global Flex VIP plans with varying coverage limits for maternity coverage. Their plans come in three main categories: Total, Ultra, and Superior, with different options available for deductibles and copayments. 

An additional benefit of the Global Flex VIP Total plan is fertility treatment coverage for up to USD $10,000 per lifetime and up to USD $2,500 per attempt. 

Here is a table comparing the maternity benefits between plans, with all dollar amounts in USD: 

VUMI has a waiting period of 12 months for maternity insurance coverage. 

There are plenty of other providers out there with maternity insurance coverage that may be just the right fit for you. To hear more about these plans or to learn more about other international insurance providers, reach out to us at Pacific Prime. 

You can speak directly with one of our insurance experts, or you can use our free quote tool to begin comparing plans on your own. 

How to Choose the Right Maternity Plan for Singapore

If you are shopping for maternity coverage, you should consider several factors, such as your ideal budget, personal needs, and preferences in benefits. Keeping these factors in mind as you compare plans can help you find the best one for your needs. 

• Consider Your Needs and Preferences: How much financial protection do you need to feel protected? How often do you plan on using healthcare services while pregnant? These are all questions you can ask to help determine what you need in your plan. 
• Consider Your Budget: While the affordability of your plan is important, it’s advisable not to pick the cheapest available plan just because it’s inexpensive. It may lack the necessary coverage you need in the case of unforeseen circumstances. 
• Consider Possible Exclusions: Check to see if the plan you’re applying for has any eligibility requirements you may not fill due to things like your residency status or any pre-existing conditions. 
• Consider Your Timing: Most maternity insurance plans have waiting periods of 12 to 24 months, so it’s important to ensure that you will have waited an adequate amount of time before you get pregnant. Don’t choose a plan with a waiting period you cannot follow. 

Optional Additional Maternity Benefits

Depending on the plan, policyholders have the choice of customizing their maternity coverage with additional benefits like pregnancy yoga, breastfeeding consultation and support, and postnatal counseling.

These benefits can help the overall well-being and health of mothers by providing invaluable support during their pregnancies and after birth. The best maternity insurance plans may offer these benefits. 

• Pregnancy Yoga: Prenatal yoga is a type of yoga designed for pregnant women. It can help improve the mother’s health and well-being as a way to safely exercise and stretch her body. 
• Breastfeeding Consultation and Support: Learning to breastfeed your baby can be a hard adjustment at first, and lactation consultants are here to help. With this additional benefit, you can call and request home visits from breastfeeding experts. 
• Postnatal Counseling: Counseling after you’ve had your baby can be a valuable resource for you as you navigate parenthood. This benefit can especially be of worth to new mothers who are struggling with postpartum depression. 

Frequently Asked Questions: 

What is the typical waiting period for maternity coverage in Singapore? 

A general waiting period for maternity coverage ranges from 12 to 24 months. This can change from policy to policy, so it’s important to check the details of your plan documents. It is always good practice to plan ahead when securing maternity coverage so you are adequately covered. 

Who is the best insurance provider for maternity coverage in Singapore? 

The best maternity insurance provider will vary from person to person depending on what they need and value in a plan, but some of the leading providers who provide top-quality maternity coverage are Cigna, Allianz, AXA, and VUMI. 

Is infertility coverage included in maternity insurance plans? 

Not every maternity insurance plan will cover infertility treatments such as IVF, but more premium plans can. The Allianz Signature outpatient rider and Global Flex VIP Total provide infertility treatment coverage of up to USD $9,450 and $10,000 per lifetime, respectively. 

Can I add maternity coverage to my existing health insurance plan?

You may be able to add maternity coverage to your existing health insurance policy as an optional rider, but you will need to double-check with your provider and the specific plan you chose. If you don’t have the option of adding the coverage, you can look for a stand-alone maternity plan. 

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Conclusion: 

The best maternity insurance plans in Singapore provide coverage for things like prenatal and postnatal care, childbirth, complications, and more. Some of the top plans come from international insurers such as Cigna, Allianz, AXA, and VUMI. 

With over 25 years of experience, an insurance broker like Pacific Prime simplifies health insurance and maternity coverage. They have been providing insurance to clients across the world, know the ins and outs of the industry and can help you find the best plan for your needs. 

Start your search for maternity coverage in Singapore by reaching out to Pacific Prime and using our free quote tool to begin comparing plans today!

Read more about maternity insurance in Singapore in our articles on Obtaining Maternity Insurance During Pregnancy in Singapore and Exploring the Benefits of Giving Birth in Singapore for Expats.

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Palida Weerawat

Palida is a passionate writer who is now creating content at Pacific Prime Thailand. She recently earned a bachelor’s degree in English from the Faculty of Arts, Chulalongkorn University, where she received formal training to write clearly and effectively. While studying, Palida had experiences publishing social and cultural features on social media platforms and working as an English tutor, where she refined her skills in breaking down complex ideas and explaining them in a simple, straightforward manner—skills that she has transitioned into delivering insurance-related content.

With her background as an avid traveler and as an exchange student in Spain, Palida values the benefits of insurance and understands the frustrations that may come with making the best decisions for your health and safety in an unknown environment. Here at Pacific Prime, she aspires to create content that will help expats and travelers understand international health insurance with ease.

In her spare time, Palida enjoys reading short stories as much as binging on sitcoms. She is also a self-proclaimed "foodie" with the goal of trying as many cuisines from all over the world as possible. Combining her passion for writing with her love for food, she is an aspiring Google Local Guide reviewer.

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