Mothers-to-be, do you know that you are covered for some Pregnancy Complications in your Integrated Shield Plan (IP) which you have paid diligently over the years?
Readers who are father-to-be, this coverage may help you what risks are covered and how to reduce risk of significant cash outlay in the event your wife has pregnancy complications during labour.
From my grapevine sources, the pregnancy complications coverage in the integrated shield plan is far and a few.
But what exactly is covered? I can’t seem to find any comparisons on the internet, so I took it upon myself to do the heavy lifting!
But before that, a few important things to note
- Medishield Life does not cover for pregnancy complications. If you did not upgrade with an IP, you should be concerned.
- There is a waiting period of 10 months for your integrated plan before you can claim for pregnancy complications. That means if you upgrade while you are already pregnant, you WILL NOT be able to claim.
Top in the race for the “Number of pregnancy complications covered” :
Great Eastern Supreme Health P Plus has the highest number of 13 in their IP plan.
NTUC Enhanced Incomeshield Preferred is the first runner up with 11 in their IP plan.
What we realise:
If you are on the AVIVA, AIA, PRU or AXA IP plan, you should really consider taking up maternity coverage.
The coverage list is thin. I’ve seen before a case of “abrupt placentae” and her baby was born pre-term with that complication.
Even if you are on NTUC and GE, a maternity insurance coverage extends your coverage and provides you more benefits.
No time and energy to consider fully on the insurance and financial needs with a newborn?
We can save you time with our experience and expertise. What will be covered:
- Pregnancy insurance can save you cost.
- What insurance you need when baby arrives with personal tips.
- New life insurance planning needs you have now as a parent
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Independent advice NOT sales to give you the peace of mind
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- Optimising your existing insurance coverage especially with a newborn. You may check up on all our insurance analysis to understand our expertise.
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You may read our wildly popular comparison blog on standalone maternity insurance
The views and opinions expressed in this article are those of the author and do not represent the views of any other organisation.
Last updated on March 11th, 2019 at 02:59 pm