{"id":13421,"date":"2026-01-13T09:39:02","date_gmt":"2026-01-13T01:39:02","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=13421"},"modified":"2026-01-13T12:09:59","modified_gmt":"2026-01-13T04:09:59","slug":"how-to-get-maternity-insurance-in-singapore-while-pregnant","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/how-to-get-maternity-insurance-in-singapore-while-pregnant.html","title":{"rendered":"Obtaining Maternity Insurance During Pregnancy in Singapore in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Expats who are already pregnant cannot get maternity insurance coverage in Singapore. This is because most international maternity insurance plans come with a waiting period of 10\u201324 months. To have your pregnancy covered, insurance must be in place well before conception.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.sg\/plans\/maternity-insurance-singapore\/\"><span style=\"font-weight: 400;\">Maternity insurance for expats in Singapore<\/span><\/a><span style=\"font-weight: 400;\"> will not cover ongoing pregnancies due to waiting periods, but costs can still be managed. Choosing public hospitals, using Medisave, and accessing government support like the Baby Bonus can help reduce out-of-pocket expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This guide outlines nine smart strategies and highlights future insurance options for those planning ahead. For personalized assistance, speak with one of our <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">international insurance advisors<\/span><\/a><span style=\"font-weight: 400;\"> today.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><b>Maternity Insurance Options in Singapore for Expecting Expats<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-27631 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-standing-with-pregnant-partner-while-holding-baby-shoes-outdoors.webp\" alt=\"Image of Man Standing With Pregnant Partner While Holding Baby Shoes Outdoors with text overlay of &quot;Maternity Insurance Options in Singapore for Expecting Expats&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-standing-with-pregnant-partner-while-holding-baby-shoes-outdoors.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-standing-with-pregnant-partner-while-holding-baby-shoes-outdoors-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-standing-with-pregnant-partner-while-holding-baby-shoes-outdoors-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-standing-with-pregnant-partner-while-holding-baby-shoes-outdoors-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-standing-with-pregnant-partner-while-holding-baby-shoes-outdoors-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Singapore expats can begin a <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/maternity-insurance-in-singapore-with-no-waiting-period.html#:~:text=Where%20to%20Get%20Maternity%20Insurance%20that%20Starts%20Immediately\"><span style=\"font-weight: 400;\">maternity insurance plan<\/span><\/a><span style=\"font-weight: 400;\"> anytime while pregnant, but most plans come with a 10- to 24-month waiting period. This means that if you are already pregnant when you establish international coverage, your current pregnancy will not be covered but your next one can be.<\/span><\/p>\n<p><b>But what can you do if you are already pregnant and need help covering your maternity expenses?<\/b><span style=\"font-weight: 400;\"> Our next section will give you tips on how to manage and lower your medical bills!<\/span><\/p>\n<h2><b>9 Smart Ways to Handle Maternity Costs Without Insurance<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The following are 9 tips on how Singapore expats can manage and pay their maternity bills out of pocket without insurance:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pick public healthcare for lower maternity bills.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Talk costs early to reduce medical fees.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Break down bills with a hospital payment plan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check hospital charges for epidurals in advance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use Medisave maternity package to offset expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Explore cost-saving birth options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Audit your bill for overcharges and mistakes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take advantage of the Baby Bonus scheme.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use the Medisave Grant for baby\u2019s medical deeds.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Let\u2019s discuss each one in more detail.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-35' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Maternity_1.jpg\" alt=\"Blog Banner Maternity 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><b>1. Pick Public Healthcare for Lower Maternity Bills<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you are not going to have maternity insurance for this pregnancy, you\u2019ll likely want to choose a healthcare provider who delivers in a public Singapore hospital. Public hospitals are far more affordable than private ones, so this will be in your best interest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s also important to note that not all hospitals are the same. Some public hospitals are more expensive than others. You\u2019ll want to become familiar with the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/maternity-insurance-in-singapore-with-no-waiting-period.html#:~:text=How%20Much%20It%20Costs%20to%20Give%20Birth%20in%20Singapore\"><span style=\"font-weight: 400;\">average costs of labor and deliveries in each Singapore hospital<\/span><\/a><span style=\"font-weight: 400;\"> as you carefully select your provider and hospital to get the best deal.<\/span><\/p>\n<h3><b>2. Talk Costs Early to Reduce Medical Fees<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">It may be to your benefit to reach out to your healthcare provider as early as possible to negotiate your medical bills. Learning your options early may mean there are more options, such as getting a discount for paying your medical bill in full upfront.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Being proactive about this may mean your provider will have the ability to be more flexible with you.<\/span><\/p>\n<h3><b>3. Break Down Bills with a Hospital Payment Plan<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A great way to manage your Singapore pregnancy bills is to set up a payment plan. Your hospital likely has the option for you to pay off your maternity fees <\/span><b>in small increments over an extended time<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This can dramatically help you manage these bills slowly without breaking the bank. Setting this up before the baby comes can alleviate a lot of stress you\u2019d otherwise feel while also being busy caring for your little one.<\/span><\/p>\n<h3><b>4. Check Hospital Charges for Epidurals in Advance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Without insurance, there may be additional costs that come with getting an epidural. It\u2019s important you do your research ahead of time to know what those are in the Singapore hospitals you are considering giving birth in.<\/span><\/p>\n<h3><b>5. Use Medisave Maternity Package to Offset Expenses<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Singapore offers a <\/span><a href=\"https:\/\/www.moh.gov.sg\/healthcare-schemes-subsidies\/marriage-and-parenthood-schemes\"><span style=\"font-weight: 400;\">Medisave Maternity Package<\/span><\/a><span style=\"font-weight: 400;\"> scheme to Singapore citizens to help cover delivery expenses and prenatal expenses. This package can give you:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to $900 for prenatal costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">From $1,120 to $2,770 for surgical delivery procedures<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to $1,130 a day for the first two days of hospital admittance and $400 for the third day and onward<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You can submit claims for these benefits by presenting your bills at the hospital where your baby was delivered. If the expectant mother or father is a Singapore citizen, you may qualify for this package.<\/span><\/p>\n<h3><b>6. Explore Cost-Saving Birth Options<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Singapore expats can consider giving birth in a <\/span><b>birthing center<\/b><span style=\"font-weight: 400;\"> or <\/span><b>at home<\/b><span style=\"font-weight: 400;\"> instead of at the hospital. This can reduce your maternity costs since a birthing center is typically less expensive.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-36' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Maternity_2.jpg\" alt=\"Blog Banner Maternity 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><b>7. Audit Your Bill for Overcharges and Mistakes<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Foreigners who give birth in Singapore may want to request an itemized maternity bill after their labor and delivery. This will give you a detailed list of every single service, medication, treatment, and room expense you are being charged.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Not only will having this list give you a better idea of what you\u2019re paying for, but you can also scan it for errors. If you feel you are being charged for a service you either didn\u2019t receive or that is being overcharged, <\/span><b>you can push back and request a decrease in your bill<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>8. Take Advantage of the Baby Bonus Scheme<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Singapore has a <\/span><a href=\"https:\/\/www.babybonus.msf.gov.sg\/Pages\/Home.aspx\"><span style=\"font-weight: 400;\">Baby Bonus scheme<\/span><\/a><span style=\"font-weight: 400;\"> designed to alleviate the financial burden of raising children. This is part of the Marriage and Parenthood Package established in 2023, and the scheme includes a cash gift and Child Development Account (CDA).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following chart shows the <\/span><a href=\"https:\/\/www.madeforfamilies.gov.sg\/support-measures\/raising-your-child\/financial-support\/baby-bonus-scheme\"><span style=\"font-weight: 400;\">cash payouts you can receive<\/span><\/a><span style=\"font-weight: 400;\"> for each Singaporean child you have.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"4\">\n<h4><b>Singapore Baby Bonus Scheme Payouts<\/b><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Birth Order<\/b><\/td>\n<td><b>Baby Bonus Cash Gift<\/b><\/td>\n<td><b>First Step Grant<\/b><\/td>\n<td><b>Maximum Government Co-Matching<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>1st Child<\/b><\/td>\n<td><span style=\"font-weight: 400;\">$11,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>2nd Child<\/b><\/td>\n<td><span style=\"font-weight: 400;\">$11,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$7,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>3rd Child<\/b><\/td>\n<td><span style=\"font-weight: 400;\">$13,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$9,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>4th Child<\/b><\/td>\n<td><span style=\"font-weight: 400;\">$13,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$9,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>5th and Subsequent Child<\/b><\/td>\n<td><span style=\"font-weight: 400;\">$13,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>9. Use the Medisave Grant for Baby\u2019s Medical Needs<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If your baby is born as a Singapore citizen, they will be granted a MediSave account, and $4,000 will be deposited immediately. This <\/span><a href=\"https:\/\/www.moh.gov.sg\/healthcare-schemes-subsidies\/marriage-and-parenthood-schemes\"><span style=\"font-weight: 400;\">Medisave Grant for Newborns<\/span><\/a><span style=\"font-weight: 400;\"> is to help pay for the newborn\u2019s medical costs, vaccinations, hospitalization, and certain outpatient treatments.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-37' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Maternity_3.jpg\" alt=\"Blog Banner Maternity 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Top Maternity Insurance Providers for Expats in Singapore<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The best health insurance plans with maternity coverage for global travelers living in Singapore are from <\/span><b>Allianz Care<\/b><span style=\"font-weight: 400;\">, <\/span><b>Cigna Global<\/b><span style=\"font-weight: 400;\">, <\/span><b>AXA<\/b><span style=\"font-weight: 400;\">, and <\/span><b>VUMI<\/b><span style=\"font-weight: 400;\">. Each offers comprehensive coverage for prenatal, postnatal, newborn, and labor and delivery care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s introduce these <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/best-maternity-insurance-in-singapore.html\"><span style=\"font-weight: 400;\">top pregnancy insurance providers for Singapore expats<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care:<\/span><\/a><span style=\"font-weight: 400;\"> Allianz offers comprehensive maternity insurance through their Bloom and Bloom Plus plans, which can be added to their Care Enhanced or Care Signature plans. These include routine maternity care and childbirth complications. The waiting period is 12 months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna Global:<\/span><\/a><span style=\"font-weight: 400;\"> Cigna offers maternity coverage through their Gold and Platinum plans that includes routine maternity care, maternity complications, and newborn care. The waiting period is 24 months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><span style=\"font-weight: 400;\">: AXA is a global provider that offers maternity insurance coverage through their Prestige and Prestige Plus plans. These include maternity and birth complications and routine maternity and newborn care. The waiting period is 18 months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI<\/span><\/a><span style=\"font-weight: 400;\">: VUMI offers international pregnancy insurance through their Global Flex VIP plans: VIP Total, VIP Ultra, and VIP Superior. These include maternity and birth complications and routine maternity and newborn care. The waiting period is 12 months.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">To <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">compare quotes and benefits<\/span><\/a><span style=\"font-weight: 400;\"> of these plans, you can <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact one of our insurance experts<\/span><\/a><span style=\"font-weight: 400;\">, and we\u2019ll provide you with free, unbiased advice without any obligation to commit to a plan.<\/span><\/p>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<h3><b>Can you get maternity insurance in Singapore when pregnant?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Expatriates and foreigners who live in Singapore cannot get maternity insurance for their current pregnancy if they are already pregnant. This is because most international health insurance plans with pregnancy and newborn benefits have waiting periods of at least 10\u201324 months.<\/span><\/p>\n<h3><b>Are there maternity insurance plans without a waiting period?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s rare to find maternity insurance with no waiting period, particularly in Singapore and most countries. Most plans include waiting periods before maternity benefits apply, though some offer <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/maternity-insurance-in-singapore-with-no-waiting-period.html#:~:text=Singapore%20Maternity%20Plans%20With%20Short%20Moratoriums\"><span style=\"font-weight: 400;\">shorter terms of around 10 months<\/span><\/a><span style=\"font-weight: 400;\"> for those planning a pregnancy but not yet expecting.<\/span><\/p>\n<h3><b>Where can I get maternity insurance as a Singapore expat?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Singapore expats and international citizens can get a maternity insurance plan from a <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/\"><span style=\"font-weight: 400;\">private international health insurance provider<\/span><\/a><span style=\"font-weight: 400;\">. The plans offered by these insurers are specifically designed for international travelers and for individuals and families living abroad long term.<\/span><\/p>\n<h3><b>What does a good expat pregnancy insurance plan cover?<\/b><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/insurance-for-pregnancy-in-singapore.html#:~:text=What%20Most%20Pregnancy%20Insurance%20Plans%20in%20Singapore%20Cover\"><span style=\"font-weight: 400;\">Basic coverage benefits in a strong expat pregnancy insurance plan<\/span><\/a><span style=\"font-weight: 400;\"> should include doctor consultations, prenatal and postnatal treatments and care, medically prescribed c-sections, normal deliveries, pregnancy complications, childbirth complications, and more.<\/span><\/p>\n<h3><b>How do uninsured foreigners in Singapore cover childbirth bills?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Singapore foreigners who don\u2019t have maternity insurance can cover their childbirth bills by negotiating their payments upfront, creating a payment plan, reviewing an itemized bill for errors, using Singapore\u2019s Medisave Maternity Package, Baby Bonus Scheme, and Medisave Grant for Newborns, and more.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">While it is not possible to obtain maternity insurance as an expat in Singapore once you\u2019ve become pregnant, there are ways you can decrease your bills and make it easier to pay for them without being so stressed or breaking your bank.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019ve found this article helpful, you\u2019ll also want to read our posts <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/maternity-insurance-in-singapore-with-no-waiting-period.html\"><span style=\"font-weight: 400;\">Maternity Insurance with No Waiting Period in Singapore<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/best-maternity-insurance-in-singapore.html\"><span style=\"font-weight: 400;\">The Best Maternity Insurance Plans in Singapore<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To get personal advice on your financial situation, you can <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">talk to one of our insurance experts<\/span><\/a><span style=\"font-weight: 400;\"> who can answer your questions and help you find more options to manage your maternity expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you aren\u2019t pregnant yet and are interested in beginning a health insurance plan with maternity benefits, you can <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">compare plans and quotes online<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Expats who are already pregnant cannot get maternity insurance coverage in Singapore. This is because most international maternity insurance plans come with a waiting period of 10\u201324 months. To have your pregnancy covered, insurance must be in place well before conception. Maternity insurance for expats in Singapore will not cover ongoing pregnancies due to waiting &#8230;<\/p>\n","protected":false},"author":54,"featured_media":27630,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[570,217],"tags":[],"class_list":["post-13421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Obtaining Maternity Insurance During Pregnancy in Singapore in 2026<\/title>\n<meta name=\"description\" content=\"Planning a birth in Singapore? 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