NTUC Maternity 360 plan VS GE Flexi Maternity plan

Last updated on April 20th, 2018 at 12:10 pm


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(New add-on post: NTUC Income Maternity 360 plan and GE Flexi Maternity 1-Minute Overview)


Ntuc Income launched a new maternity coverage that is a standalone plan (IE doesn’t require a purchase of another insurance plan). This is a comprehensive insurance solution for pregnant mothers-to-be.

There is always a risk in the delivery process and pregnancy complications do occur. The previous only other similar offering is by Great Eastern (GE) called Flexi Maternity. While both GE and NTUC plans have coverage for $5,000 and $10,000 sum assured, there are differences in the plans for you to consider.

So what are the differences in coverage between the

NTUC Maternity 360 and GE Flexi Maternity plan? 

1. Benefit For Mother: Additional covered conditions with NTUC Maternity 360

NTUC Maternity 360 covers a total of 10 pregnancy complication conditions (2 new items). From medical sources, the additional coverage of Ectopic pregnancy will be useful. It occurs to about 1% of all pregnancies and can be detected early. This benefit is not found in the GE Flexi Maternity plan.

10 types of pregnancy complications covered
  • Abruptio placentae
  • Acute fatty liver of pregnancy
  • Amniotic fluid embolism
  • Choriocarcinoma and malignant hydatidiform mole (NEW)
  • Disseminated intravascular coagulation
  • Ectopic pregnancy (NEW)
  • Placenta increta or percreta
  • Postpartum haemorrhage requiring hysterectomy
  • Pre- eclampsia or eclampsia
  • Still birth
2. Benefit For Child: Additional items of child congenital illnesses covered with NTUC Maternity 360 (5 new ones!)

This is currently the widest coverage of all insurers for congenital illnesses with 23 types of congenital illnesses. There are 5 more items covered vs the GE Flexi Maternity Plan. Pre-term babies have a higher risk to conditions such as Patent ductus arteriosus (PDA) that can have significant physiological effects.

23 types of congenital illnesses covered
  • Absence of two limbs
  • Anal atresia
  • Atrial septal defect
  • Biliary atresia (NEW)
  • Cerebral palsy
  • Cleft lip and cleft palate
  • Club foot
  • Congenital blindness (NEW)
  • Congenital cataract
  • Congenital deafness
  • Congenital diaphragmatic hernia
  • Congenital hypertrophic pyloric stenosis (NEW)
  • Development dysplasia of the hip
  • Down’s syndrome
  • Infantile hydrocephalus
  • Patent ductus arteriosus (NEW)
  • Retinopathy of prematurity
  • Spina bifida
  • Tetralogy of fallot
  • Trancheo-esophageal fistula or esophageal atresia (NEW)
  • Transposition of the great vessels
  • Truncus arteriosus
  • Ventricular septal defect


3. Benefit For Child: Additional outpatient phototherapy with NTUC Maternity 360

This is a unique benefit to this plan and may be useful. Jaundice is common with Asian babies and severe Jaundice may require phototherapy. This benefit is valid until 30 days after birth and for 10 days payable at 1% of sum assured per day (if you are on the $5,000 benefit plan it works out to be $50/day).


4. Benefit For Mother: NTUC Maternity 360 covers 8 conditions for hospital care benefits  (In addition to their 10 pregnancy complication coverage)

Tears are more common in women having their first vaginal birth and range from small nicks and abrasions to deep lacerations affecting several pelvic floor muscles. Definition of a fourth-degree perineal tear: It goes through the anal sphincter and the tissue underneath it. The plan has a coverage for it.

For caesarian section, there is a wound on the mother and this brings risk such as a surgical site infection. The plan has a coverage for it. If the mother suffers from any of the conditions mentioned or the other 6 listed below, there will be a payout of 1% of sum assured per day.

  • Daily hospital care benefit is capped to 30 days 
Hospital care benefit for mother
  • Inpatient psychiatric treatment
  • Post-natal anaemia
  • Puerperal pyrexia
  • Pulmonary embolism
  • Repair of 4th degree perineal tear
  • Septic pelvic thrombophlebitis
  • Surgical site infection following caesarian section
  • Uterine infection or transfusion due to retained placenta following childbirth

Under the GE Flexi Maternity plan, the daily hospital care benefit is for their 8 listed pregnancy complication instead. Do note that to qualify for its hospital care benefit, the hospitalisation must be in the Intensive Care Unit (ICU) or High Dependency Unit (HDU) of a hospital in Singapore.

  • Daily hospital care benefit is capped to 30 days 
5. Benefit for Child: GE Flexi Maternity pays a higher hospital care benefit for child

The conditions covered are the same and is listed below. This hospital care benefit for the child is extremely useful in my opinion. A friend of mine delivered preterm. Her baby had to be in NICU for 3 weeks and the bills became large. The GE Flexi Maternity Plan pays a daily Hospital Care benefit of $100 (Essential plan) or $200 (Enhanced Plan).  The NTUC Maternity 360 pays only 1% of sum assured per day which works out to be $50/day if you are on the $5,000 benefits plan.

  • Both plans pay up to a maximum period of 30 days per Policy Term.


Common question: Neonatal ward level 1 (AKA general neonatal care ward) covered?

Answer: NO


Hospital care benefit for child
  • Bronchitis (including other lower respiratory tract infection)
  • Dengue haemorrhagic fever
  • Hand, foot and mouth disease
  • Incubation immediately after birth for more than 3 consecutive days
  • Phototherapy or blood transfusion for severe neonatal jaundice
  • Pneumonia
  • Premature birth


6. GE Flexi Maternity gives you a “Guaranteed insurability” option but NTUC Maternity 360’s option needs you to firstly “pass” a simplified application declaration

“OPTION” to buy means you are NOT OBLIGATED to buy any life insurance after your child is born.

For the GE Flexi Maternity plan, within 90 days of your Newborn’s birth you can buy a sum assured of up to $150,000. From their website a wholelife/ILP/endowment can be purchased without medical underwriting.

For the Ntuc Maternity 360, this option is for 60days and given after fulfilling a simplified application declaration. You can also buy a wholelife/ILP/endowment to a sum assured of up to $150,000. 

Question: What is this simplified application declaration? 

To “pass” this declaration, you are required to sign off that your newborn does not have CI or TPD or any of the congenital conditions listed in the Maternity360 plan. Once “passed”, you are entitled to the “option” to buy life insurance for your child, even if your baby was diagnosed with any other condition. I have clarified this with them.

From their website: The available plans for this option are VivoLife series, VivaLink, RevoSave and VivoChild (subject to change).


Question: Why are these “options” to buy life insurance for baby important to you? 

For a newborn with slight medical conditions such as heart murmur, insurers may decline or postpone any life insurance application for them. This is when your “option” becomes the only way to purchase life insurance coverage for them that they otherwise will not be able to buy.


Premium comparison table for these 2 plans (First in Singapore!)

The NTUC Maternity 360 plan premium goes by the mother’s exact age while the GE’s plan premium is age banded. An example is shown in the screenshot below!

While the GE plan may seem more expensive, it comes with a free GE premium voucher worth $108 that you can use to offset a future whole life plan/endowment plan/ILP plan/total health plan premiums (Note: Voucher must be used within 12months of the GE Flexi Maternity issuance date). Coverage is also different as highlighted throughout the blog post.




Both plans have their strengths and weaknesses.

The earliest you can purchase either of these maternity plans is at your 13 week of your pregnancy.



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Wait, there is more you can get from us in the long term!

  1. Optimising your existing insurance coverage especially with a newborn. You may check up on all our insurance analysis to understand our expertise.
  2. Mortgage advise and how you can prepare yourself to own multiple properties (Optional and for existing clients only)
  3. Advice on building dividend income (Optional and for existing clients only)


If we are a good fit (Click here to read more on our belief ) and we can be of help to you, contact us below today.



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Image credits from https://www.income.com.sg/forms/brochure/maternity-360.aspx?ext=.pdf

Image credits from http://www.newhealthadvisor.com/Phototherapy-for-Jaundice.html

The Astute Parent

A parent who has a sharp acumen on sieving through 'alien' financial jargon to dish out bite size financial tips from a parent's perspective.